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All Journal IKRA-ITH Informatika : Jurnal Komputer dan Informatika TIJAB (The International Journal of Applied Business) IKRA-ITH EKONOMIKA Sarwahita : Jurnal Pengabdian Kepada Masyarakat Antivirus : Jurnal Ilmiah Teknik Informatika Darmabakti Cendekia: Journal of Community Service and Engagements Jurnal PKM Manajemen Bisnis Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Jurnal Indonesia Sosial Sains MILRev: Metro Islamic Law Review EDUCATE : Journal of Education and Culture Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Indonesia : Manajemen Informatika dan Komunikasi Tadris: Manajemen Pendidikan Islam Jurnal Riset Multidisiplin Edukasi Moderation: Journal of Islamic Studies Review Aslama Indonesia Economic Journal
Amaliyah
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Contemporary Islamic Economic Law on Legal Protection for Bankrupt Guarantors: Comparative Insights from Common Law and Asian Jurisdictions Bambang Sugeng Ariadi Subagyono; Ermanto Fahamsyah; Hariyanto Sururi; Amaliyah
MILRev: Metro Islamic Law Review Vol. 4 No. 2 (2025): MILRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v4i2.11897

Abstract

The legal protection of guarantors declared bankrupt or suspended from debt payment obligations (PKPU), together with the principal debtor, remains a critical yet underexplored issue in Indonesian insolvency law. This study examines the scope and adequacy of such protections under contemporary Islamic economic law, providing comparative insights from selected common law and Asian jurisdictions. Employing a normative juridical approach combined with comparative legal analysis, the research analyses statutory provisions, judicial precedents, and doctrinal interpretations. The study highlights the imbalance of liability between guarantors and debtors, the absence of explicit safeguards under Law No. 37 of 2004 on Bankruptcy and PKPU, and the resulting implications for creditor rights and economic justice. Comparative analysis draws from the United Kingdom and United States (standard law systems) and Singapore, Japan, and Malaysia (Asian jurisdictions), revealing more structured protections for guarantors, including mechanisms such as independent liability, automatic stay, and negotiated debt restructuring. The findings indicate that Indonesia's current framework inadequately recognises the secondary and derivative nature of guarantor obligations, exposing them to disproportionate risk. This study contributes to the academic discourse by integrating contemporary Islamic economic principles into the analysis of insolvency law, providing a normative framework for reform and offering comparative insights that can inform both legislation and future research on guarantor protection. The study recommends legislative reform to explicitly regulate guarantor protection, integrating principles of proportionality, good faith, and balanced creditor–debtor relations, in line with contemporary Islamic economic law.
Co-Authors Abdul Fadhil, Abdul Ach Fawaidul Anam Achmad, Dhea Yuniar Aminatus Zakhra Apriade Voutama Apritiantoko, Yuda Athaya Nasywa Nityasa Audry Astrantia, Deswa Baharrizki, Silvia Balgis, Arifatul Bambang Sugeng Ariadi Subagyono Darusman, Calvin Dicky Dewi ANGGRAENI Didik Himmawan Dimisqiyani, Erindah Erindah Dimisyqiyani Ermanto Fahamsyah Gagas Gayuh Aji, Gagas Gayuh Hadiyanto, Andy Hakim, Abdurrahman Halimatunnisa Asya’diyah Yusya Hariyanto Sururi Inayatul Matin, Vina Iris Agripina Zen izzatul Mardhiah Khairil Ikhsan Siregar Lailiyah, Risatul Melisa Kurniasari Merdeka, Muhamad Mia Hasanah Amanah Illahi Mohd Zamzami, R Mora Alifia Defahmu Muhammad Fadli Satrianu Noor, Fuad Arif Nuraini, Sa'adiyah Primavera Rizka Nalarsari Rangga Wira Kertanegara, Sri Selka Dwiyanti, Oky Shinta Trisakti Fadillah Zein Sinulingga, Rizky Amalia Soifa, Zahrotus Tarisa Dwi Anggraini Wafiq Luthfiya Tahta Salsabila Wilyanto Putra, Roy Yuliawan, Rahmat