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All Journal Journal of Islamic Economic Laws AL-ARBAH: Journal of Islamic Finance and Banking JAKED EKONOMIKA SYARIAH : Journal of Economic Studies EJESH : Journal Islamic Economics and Social Jurnal Ekonomi dan Bisnis (Ekobis-DA)
Riska Wijayanti
Fakultas Hukum Universitas Wahid Hasyim
Religion Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Journal of Islamic Economic Laws

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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (320.865 KB) | 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 (?ahib al-m?l) 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.
Co-Authors Annas, Alda Aulia Arsita, Resti Kartika Marella Vanni Khusaini, Muhammad Farhan Na’afi, Septiana Puspitasari, Ardea Nur Warno Warno