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Journal : Jurnal Media Hukum

KOMPARASI PENYELESAIAN PENGADUAN NASABAH ANTARA BPD D.I. YOGYAKARTA DAN BPR DANAGUNG BAKTI GROUP Yuliansyah, Rasyid; Yunita, Ani
Jurnal Media Hukum Vol 25, No 1, June 2018
Publisher : Fakultas Hukum Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jmh.2018.0098.22-30

Abstract

This study is determined how the settlement system of customer claims the Regional Development Bank of Yogyakarta and Danagung Bakti’s Rural Bank and its Legal Implications. This study is non-doctrinal or empirical. The type of the research is empirical research and the research approach is the law concept with data sources of primary data, secondary, and tertiary. Data was collected through interviews, and study literature or documents. The result of this study is the system settlement of Customer Complaints in Regional Development Bank of Yogyakarta and Danagung Bakti’s Rural Bank accordance with PBI Numb. 7/7/PBI/2005 as amended by Regulation Numb.10/10/PBI/2008 on settlement of Customer Complaints although the level of implementation in the field there are still some deficiencies.  The legal implications concerning the existence of Standart Operating Procedure in the Regional Development Bank (BPD) of DIY result in the smooth implementation of the Customer Complaints Settlement process at Regional Development Bank DIY while the implications related to the absence of Standart Operating Procedure in Bank Perkreditan Rakyat Danagung Bakti cause still less optimal settlement process of customer complaint in Danagung Bakti Rural Bank.
KAJIAN AKAD PEMBIAYAAN MURABAHAH TERHADAP PENERAPAN PRINSIP SYARIAH PADA BANK SYARIAH DI INDONESIA Yunita, Ani
Jurnal Media Hukum Vol 22, No 1 (2015)
Publisher : Fakultas Hukum Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jmh.2015.0053.156-172

Abstract

This research intended to know whether murabahah financing contract on the sharia banking has fullfill to sharia principles in Islamic law provisions. This research is a normative or doctrinal research. This research is the kind of doctrinal or normative legal using approach of law (statute approach) and conseptual approach so it’s using the secondary dates sources such as primary,secondary and tertiary legal materials. Dates was collected with library research and analyzed by deductive logic. According of research result and analysis that the murabahah financing contract on the Sharia Mandiri Banking in Yogyakarta isn’t suitable sharia principles accordance in the Islamic Law because some requirements in the contract implementation hasn’t fullfill to sharia principles so it founded gharar, riba and zhalim. So, this is inline with sharia principles accordance in the Al-Quran, Al-Hadits and Fatwa Council of Sharia National Number 04/DSN-MUI/IV/2000 on Murabahah and also Law Number 21 Of 2008 on Sharia Banking. 
KOMPARASI PENYELESAIAN PENGADUAN NASABAH ANTARA BPD D.I. YOGYAKARTA DAN BPR DANAGUNG BAKTI GROUP Rasyid Yuliansyah; Ani Yunita
Jurnal Media Hukum Vol 25, No 1, June 2018
Publisher : Fakultas Hukum Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jmh.2018.0098.22-30

Abstract

This study is determined how the settlement system of customer claims the Regional Development Bank of Yogyakarta and Danagung Bakti’s Rural Bank and its Legal Implications. This study is non-doctrinal or empirical. The type of the research is empirical research and the research approach is the law concept with data sources of primary data, secondary, and tertiary. Data was collected through interviews, and study literature or documents. The result of this study is the system settlement of Customer Complaints in Regional Development Bank of Yogyakarta and Danagung Bakti’s Rural Bank accordance with PBI Numb. 7/7/PBI/2005 as amended by Regulation Numb.10/10/PBI/2008 on settlement of Customer Complaints although the level of implementation in the field there are still some deficiencies.  The legal implications concerning the existence of Standart Operating Procedure in the Regional Development Bank (BPD) of DIY result in the smooth implementation of the Customer Complaints Settlement process at Regional Development Bank DIY while the implications related to the absence of Standart Operating Procedure in Bank Perkreditan Rakyat Danagung Bakti cause still less optimal settlement process of customer complaint in Danagung Bakti Rural Bank.
KAJIAN AKAD PEMBIAYAAN MURABAHAH TERHADAP PENERAPAN PRINSIP SYARIAH PADA BANK SYARIAH DI INDONESIA Ani Yunita
Jurnal Media Hukum Vol 22, No 1 (2015)
Publisher : Fakultas Hukum Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jmh.2015.0053.156-172

Abstract

This research intended to know whether murabahah financing contract on the sharia banking has fullfill to sharia principles in Islamic law provisions. This research is a normative or doctrinal research. This research is the kind of doctrinal or normative legal using approach of law (statute approach) and conseptual approach so it’s using the secondary dates sources such as primary,secondary and tertiary legal materials. Dates was collected with library research and analyzed by deductive logic. According of research result and analysis that the murabahah financing contract on the Sharia Mandiri Banking in Yogyakarta isn’t suitable sharia principles accordance in the Islamic Law because some requirements in the contract implementation hasn’t fullfill to sharia principles so it founded gharar, riba and zhalim. So, this is inline with sharia principles accordance in the Al-Quran, Al-Hadits and Fatwa Council of Sharia National Number 04/DSN-MUI/IV/2000 on Murabahah and also Law Number 21 Of 2008 on Sharia Banking.