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All Journal Jurnal Dinamika Hukum Jurnal Antropologi: Isu-Isu Sosial budaya Sriwijaya Law Review SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Jambe Law Journal Jurnal Hukum Samudra Keadilan Kosmik Hukum JURNAL USM LAW REVIEW Borobudur Law Review Jurnal Idea Hukum International Journal of Multidisciplinary: Applied Business and Education Research Journal of Social Research Volksgeist: Jurnal Ilmu Hukum dan Konstitusi Journal of Law, Poliitic and Humanities Jurnal Hukum Inconcreto Soedirman Law Review JILS (Journal of Indonesian Legal Studies)
Siti Kunarti
Fakultas Hukum Universitas Jenderal Soedirman
Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences

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Taking Over Consumptive Loans Without Collateral: (Research Study on Bank Syariah Mandiri Lhokseumawe) Faisal, Faisal; Maulana, Riki; Sulaiman, Sulaiman; Kunarti, Siti
Jurnal Dinamika Hukum Vol 23, No 1 (2023)
Publisher : Faculty of Law, Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20884/1.jdh.2023.23.1.3392

Abstract

The title of this research is taking over consumptive loans without collateral; (research study on Bank Syariah Mandiri Lhokseumawe). The approach method used is a qualitative descriptive approach. The results of the study, the implementation of the takeover of Multipurpose Micro credit of Bank Mandiri to Multipurpose financing of Bank Syariah Mandiri (BSM) by using a murabahah financing contract carried out by BSM Lhokseumawe Branch did not meet the pillars and contract requirements stipulated in the Sharia Economic Law Compilation. In the credit conversion process, it prioritizes the benefit aspect, namely leaving the disadvantages of the interest-based banking system towards the benefit of financing in Islamic banks in accordance with sharia principles. Expecting the importance of fulfilling sharia principles in the process of taking over credit without collateral from conventional banking into sharia banking products, the DSN-MUI needs to issue a fatwa to regulate the conversion of credit without collateral from conventional banking into sharia banking products.Keywords: consumer credit; financing; Islamic law, murabahah; sharia financial institution qanun.
Co-Authors Abdul Aziz Nasihuddin Ade Muhammad Syamkirana Putra Adhitia Pradana Agung Laksono Amardyasta Galih Pratama Aminuyati Bahar Elfudllatsani Budiyono Budiyono Budiyono Budiyono Budiyono, Budiyono Darmanto Sahat Dedi Purwanto, Dedi Dyah Adriantini Sintha Dewi Faisal Faisal Faisal Faisal Handayani, Sri Wahyu HARIYANTO HARIYANTO Hartati Hartati Haryanto, Budiman Setyo Hilda, Hilda Halnum Salsabil Hongwiset, Sunee Ilham Akbar Primadianto Iskandar Zulkarnain kadar pamuji Kartono Kartono Kartono Kartono Kartono, Kartono Laela Elviana Maryanti Laeli Elviyani Marsanti Mafit Sumantri, Jufri Mahdian Astira Mawarni Manunggal KW Melyana Puspita Wati Moh Aldi Nugroho Muflih Munazih Muhammad Bahrul Ulum Nur Putri Hidayah Raja Sharah Fatricia Riki Maulana Riris Ardhanariswari Riris Ardhanariswari Sahat, Darmanto Slamet Rosyadi Slamet Rosyadi Sri Hartini Sri Hartini Sri Hartini Sri Hartini Sri Hartini Sri Hartini Sulaiman Sulaiman Sulistyandari Sulistyandari Sunee Hongwiset Supriyanto Supriyanto Supriyanto Supriyanto Suyadi Suyadi Suyadi, Suyadi Syarafina Dyah Amalia Tedi Sudrajat Tedi Sudrajat Tenang Haryanto Tobirin Tobirin Valen Hadi Putri Weda Kupita Yetniwati Yetniwati Yudhy Setyo Haryono