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All Journal Lex Jurnalica (Ilmu Hukum) Jurnal Dinamika Hukum INDONESIAN JOURNAL OF CRIMINAL LAW STUDIES Al-Qisth Law Review Lex Scientia Law Review Bina Hukum Lingkungan JURNAL PENDIDIKAN TAMBUSAI Borobudur Law and Society Journal Bina Hukum Lingkungan Universal Raharja Community (URNITY Journal)
Hartati, Sawitri Yuli
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Humanities Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Formal Compliance and Substantive Justice in the Auction of Murabahah Collateral: A Maqāṣid al-Sharīʿah Analysis of Ḥifẓ al-Māl Tadjoedin, Aliefa Sabrina; Melyani, Anisa; Putra, Nafis Falah Hares; Hartati, Sawitri Yuli
Borobudur Law and Society Journal Vol. 5 No. 4 (2026)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/18091

Abstract

Islamic banks that finance customers through murabahah and then auction the collateral of defaulting customers face a question that legal compliance alone does not answer: whether the right to execute is exercised fairly. This normative study asks how the auction of collateral securing murabahah financing in the case of CV Megatama Distribution against PT Bank Syariah Indonesia and the Jambi State Assets and Auction Office should be assessed under the concepts, sources and philosophy of Islamic economic law, and how far the auction reflects justice and the protection of wealth (ḥifẓ al-māl) in maqāṣid al-sharīʿah. It uses statutory, conceptual and case approaches, and examines the case through the published study of it because the court decision was not available. The study finds that the bank’s right to execute is consistent with Islamic law, but that notice, valuation, price and the return of any surplus decide whether execution protects the wealth of both parties. A five-criterion test derived from ḥifẓ al-māl shows that, on the available record, the reported sale price and the alleged absence of notice raise questions that cannot be resolved without the decision and the auction file. Islamic banks should treat execution as part of their sharia duty, document each stage and place execution decisions under sharia supervision.
Co-Authors ., Hartutik Tutik Adhimaz Kondang Pribadi Adi Mansah Anditya, Ariesta Wibisono Azahwa, Rasifa Aila Baskara, Agri Fernando, Zico Junius Ihsan, Moh Fahmi Insani, Attar Zhagy Kamillah, Amanda Rizkya Kontesa, Emelia Kristanto, Kiki Mardani Mardani Melyani, Anisa MUHAMMAD FAHMI Muhammad Shofwan Taufiq Putra, Nafis Falah Hares Ramadhani, Dina Aulia Roosdiana Harahap Santosa Santosa Saputri, Devina Tadjoedin, Aliefa Sabrina Wahyudi, Fikri Windiani, Arovah