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All Journal Jurnal BOSAPARIS: Pendidikan Kesejahteraan Keluarga PREMISE LAW JURNAL Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Jurnal Online Mahasiswa (JOM) Bidang Keguruan dan Ilmu Pendidikan KOVALEN: Jurnal Riset Kimia Pendidikan Kewarganegaraan Jurnal Mirai Management Jurnal Sisfokom (Sistem Informasi dan Komputer) SEIKO : Journal of Management & Business EQIEN - JURNAL EKONOMI DAN BISNIS JURNAL ILMIAH M-PROGRESS Jurnal Teori dan Aplikasi Fisika ALSINATUNA Jurnal Pengabdian Masyarakat IPTEKS JPK: Jurnal Proteksi Kesehatan Cakrawala Linguista Jurnal Ilmiah Akuntansi Peradaban Riset Pendidikan Bahasa dan Sastra Indonesia (Repetisi) Enggang: Jurnal Pendidikan, Bahasa, Sastra, Seni, dan Budaya Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah Profesi Guru (JIPG) Al Muhafidz JURNAL TEKNIK INDUSTRI Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Jurnal ELTEK Prosiding Seminar Nasional Pendidikan, Bahasa, Sastra, Seni, dan Budaya Jurnal Sains dan Ilmu Terapan Kopula: Jurnal Bahasa, Sastra, dan Pendidikan NUTRIENT JURNAL GIZI Riset Ilmu Manajemen Bisnis dan Akuntansi Abdimas Terapan: Jurnal Pengabdian Kepada Masyarakat Terapan Morfologi : Jurnal Ilmu Pendidikan, Bahasa, Sastra dan Budaya Sintaksis: Publikasi Para Ahli Bahasa dan Sastra Inggris Moneter : Jurnal Ekonomi dan Keuangan Santri : Jurnal Ekonomi dan Keuangan Islam Jurnal Magistra Inovasi Kesehatan Global Jurnal Pajak dan Analisis Ekonomi Syariah Jurnal Ilmiah Nusantara Jurnal Bisnis, Ekonomi Syariah dan Pajak Tri Tunggal: Jurnal Pendidikan Kristen dan Katolik Jurnal Silih Asuh : Teologi dan Misi Ulil Albab
Fitri Fitri
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Journal : Jurnal Bisnis, Ekonomi Syariah dan Pajak

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Aspek Perlindungan Hukum Nasabah Fitri Fitri; Nadia Salzabila; Ilham Ilham
Jurnal Bisnis, Ekonomi Syariah, dan Pajak Vol. 2 No. 2 (2025): Juni : Jurnal Bisnis, Ekonomi Syariah, dan Pajak (JBEP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jbep.v2i2.973

Abstract

This study aims to analyze the legal protection of customers within the Islamic banking system in Indonesia, both normatively and practically. In Islamic economic principles, customer protection is not merely a legal obligation, but a moral and religious responsibility rooted in the values of maqāṣid al-sharī‘ah, particularly in ensuring justice (al-‘adl), trust (tsiqah), and protection of wealth (ḥifẓ al-māl). This research applies a qualitative-descriptive approach through literature review and normative juridical analysis of statutory regulations, DSN-MUI fatwas, and relevant Islamic legal doctrines. The findings indicate that although legal frameworks such as Law No. 21 of 2008, DSN-MUI fatwas, and OJK regulations offer a substantial basis for customer protection, implementation faces several challenges. These include information asymmetry between banks and customers, low Islamic financial literacy, insufficient monitoring of standard contracts, and limited access to Sharia-based dispute resolution mechanisms. Therefore, the study recommends reformulating contract structures, strengthening the role of the Sharia Supervisory Board (DPS), and enhancing public education regarding their rights as Islamic banking customers. Legal protection must be both formally legal and ethically grounded in Islamic justice.
Co-Authors AA Sudharmawan, AA Abd. Rasyid Syamsuri Adi Sucipto, Adi Ainun Nufus Aldri Frinaldi Ali Jamaludin Alitsa Fatwa Alkausyari Aziz Andri Nofiar Anggita Mujayanah Anim Anim Antoni Pribadi Anya Regista Cahyani Arie Azhari Yusran Arief Ertha Kusuma Arif Rahman Hakim Athfiatul Asfiyah Athika Putri AYU WULANDARI Azhari Nisa Azizah Estu Putri Bunga Ahista Rania Christin Hasibuan Cintya Fioni Damayanti Damayanti Rahayu Dasman Lanin Deden Andika Saputra Dewi Anggraeni Donny Radianto Ediman Ginting Edyanus Herman Halim Efni Yulia Emi Sulistri Enda Puspitasari Farid Maulana Fatah Ghani Azkia Fathah, Rigel Nurul Febriyanti Aswinda Fenty Kurnia Oktorina Fina Nasari Fitri Rohimah Fitri Wulansari Fitriadi Fitriadi Fufut Fitriy Gaizka Fatystita Kania Golan Hasan Hadi Peristiwo Hafid Nur Muhammad Hapzi Ali Haryanto Haryanto Haryetti Haryetti Hasan Bulqiah Hasugian Raifian Herdiansyah Herdiansyah Herman Hariyadi HESTI ATASASIH Ilham Ilham Irma Susan Paramita Ita Purnama Jerika Jerika Jesen Jesen Jesica Carolina Johan Mahyudi Julham Dalimunthe Julianti Ria Laksono Trisnantoro Leonardo Kamajaya Lily Restusari Lisdayanti Tinambunan Marcelino Rizki Suryanto Maria Hendriani Matius Timan Herdi Ginting Meinanda Dwi Cahya Muh. Rifkyansyah Muhammad Amin Hasibuan Muhammad Jazman Muhammad Ridwan Muhammad Rizky MUKHLISHOTUL JANNAH Murahim Musdalifa Musdalifa Muslihah Muslihah Nadia Salzabila Nafaya Yesilia Nur Halimah Nurakhirawati Nurakhirawati Otoluwa, Narto Irawan Pely Sitas Tasya Prita Aura Eklesia Pulung Karo-Karo pulungan wati Mega Putri Meidiana Shavira Putri Riantika Putri Widya Rahmaya Sitorus Rembrandt Rembrandt Ria Bintan Napitupulu Rimi, Rimi Rini Rostini Ririn Regiana Dwi Satya, Ririn Regiana Dwi Rizka Salzabila J Rokhmawati Andewi Roy Ariando Saragih Royasefa Ketrin Suek Safira Nur Amalia Salsabilah Nurhidayah Saputri Devita Sarmauli Sarmauli SAVIRA RAHMADIAN Siti Muflichah Slamet Triyanto Sri Widodo Suciati Suciati Susan Neni Triani Syahlaa Salsabiil Putri Syifa Aulia Khaerunnisa Teti Anggita Safitri, Teti Anggita Triani Cahya Ningsih Vina Liesty Indriani Wahyu Hidayat WINDA WULANSARI NAINGGOLAN Wisastra Ramadhan Yansar Yansar Yohanes Setiawan Japriadi Yolanda Irma Yuce Eviona Yapen Yulia Efni Yuliana Arsil Yuliana Arsil Yulianto Yulianto Zaenimar Windiani Zeny Fatimah Hunusalela