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All Journal Arena Hukum Journal of Islamic Economic Laws
Riska Wijayanti
Universitas Islam Negeri Walisongo
Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Fiduciary Dispute Settlement of Murabaha Contract in PT. Al-Ijarah Indonesia Finance Riska Wijayanti; Kartika Marella Vanni
Journal of Islamic Economic Laws Vol 2, No 2: July 2019
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v2i2.8616

Abstract

This study examines the authority of dispute settlement body of a bad financing in murabaha contracts with a collateral of Daihatsu VVTI car 13 XI DLX Year 2011 midnight black color. According to DSN Fatwa Number 04/DSN-MUI/IV/2000 concerning Murabaha the placement of fiduciary on murabaha contract objects is indeed permissible, but it becomes ambiguous when murabaha objects which are used as collateral in the financing process that have not been repaid are lost, causing late installment payments. The customer argued that the late payment was due to the embezzlement of murabaha objects by third parties beyond the expectations or control of the customer. This study also examines the legal liability for late settlement of murabaha sale and purchase by customers due to the loss of murabaha objects which at the same time become collateral in murabaha financing contracts. This research is normative legal research with a legal approach and a case approach. This study concludes that Religious Courts have the authority to decide disputes that occur between customers (mushtari) and sharia financial institutions (ṣahib al-māl) for late repayment of murabaha financing. Based on the principle of accountability based on the element of error, the customer (mushtari) has legal responsibility for his actions. Errors made by customers (mushtari) are in the form of negligence.
Optimalisasi Peran Pengawasan Otoritas Jasa Keuangan Terhadap Baitul Maal Wa Tamwil Di Yogyakarta Ani Yunita; Andri Martiana; Riska Wijayanti
Arena Hukum Vol. 15 No. 2 (2022)
Publisher : Arena Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.arenahukum.2022.01502.6

Abstract

This research aims to determine the problems faced by Financial Services Authority in carrying out the supervisory, and to optimize the role of OJK's supervision in the implementation of BMT operational activities in Yogyakarta. This is empirical normative research. The results show that there are several problems faced by OJK in carrying out its supervisory role, namely inconsistency in legal regulations related to supervision, limited human resources and technology and lack of coordination between BMT supervisory agencies and to optimize the role of OJK's supervision of BMT operational activities in Yogyakarta. First, legal factor, making laws and regulations and their implementing regulations needs to be explained in a detailed manner. Second, DPS needs to be increased further in order to maximize the implementation of the supervisory function. Third, OJK needs to encourage sharia financial service business actors, especially BMTs, to transform LKMS. Fourth, OJK needs support from the culture of the Yogyakarta community who have high Islamic spiritual so it can support the role of OJK supervision and development of BMT in Yogyakarta.
Co-Authors Andri Martiana Ani Yunita Kartika Marella Vanni