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p-Index From 2021 - 2026
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This Author published in this journals
All Journal Journal of Legal and Cultural Analytics (JLCA)
Danar Harryasdito
Universitas Sebelas Maret
Law, Crime, Criminology & Criminal Justice

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Divergent Judicial Reasoning on Collateral Enforcement in Islamic Financing Disputes: Balancing Creditor Recovery and Debtor Protection Danar Harryasdito; Bambang Santoso; Kukuh Tejomurti
Journal of Legal and Cultural Analytics Vol. 5 No. 3 (2026): August 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jlca.v5i3.17269

Abstract

This study examines divergent judicial reasoning in enforcing collateral in Islamic financing disputes and proposes a balanced framework reconciling creditor recovery with debtor protection. It qualitatively evaluates four concepts: default, collateral enforcement, proportionality, and Sharia-based fairness. Using normative legal research with statutory, conceptual, and comparative case approaches, the study analyzes two Indonesian Religious Court decisions alongside legislation, Supreme Court instruments, Sharia economic principles, and relevant legal scholarship, with materials observed up to August 2026. The findings show that differences in judicial reasoning arise from varying assessments of breach, procedural fairness, and the proportionality of collateral sales. The study argues that collateral enforcement should remain legally effective while requiring stronger judicial scrutiny to prevent disproportionate harm to debtors.
Co-Authors Bambang Santoso Kukuh Tejomurti