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Neni Sri Imaniyati
Universitas Islam Bandung
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Murabahah Financing in Islamic Banks with Fiduciary Collateral Review from the Perspective of Legal Certainty and Utility Nugraha, Ivan; Imaniyati, Neni Sri; Putra, Panji Adam Agus
Indonesian Journal of Social Science Research Vol. 5 No. 1 (2024): Indonesian Journal of Social Science Research (IJSSR)
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijssr.05.01.20

Abstract

One of the financing contracts offered by Islamic banks is the Murabahah financing contract. The Murabahah financing contract functions to increase the utility of money and capital, as well as the utility of goods. Article 127 of the Compilation of Sharia Economic Law (KHES) allows the seller to request the buyer to provide collateral in the Murabahah contract. Fatwa DSN-MUI No. 03/DSN-MUI/IV/2000 regarding Murabahah permits banks to request collateral from financed customers. This provision aims to ensure that customers are serious about making payments. Based on KHES and the fatwa, banks are allowed to request collateral from customers to protect or ensure that their rights are not violated. In practice, to ensure that customers comply with payments, banks request collateral from customers. This collateral can be movable or immovable property. Collateral in the form of immovable property is called fiduciary collateral. Fiduciary collateral is regulated in Law No. 42 of 1999 concerning Fiduciary Collateral (UUJF). According to Article 5 paragraph 1 of UUJF, the imposition of collateral with fiduciary collateral "must" be made by a notarial deed. With this provision of UUJF, there is a difference. KHES and the fatwa of DSN MUI do not require financing contracts to be made using a notarial deed, while UUJF requires it to be made by a notarial deed. Islamic banks, some of which require financing contracts to be made by a notarial deed, while others do not. The adoption of UUJF in Islamic financing is considered inappropriate because it violates Sharia values. Objectives: (1) Explain the regulations used in Murabahah financing contracts in Islamic banks with fiduciary collateral according to the objectives of legal certainty and utility. (2) Describe the implementation of legal protection for customers using Murabahah financing contracts in Islamic banks with fiduciary collateral according to the objectives of legal certainty and utility. Research Method: Research approach: normative juridical. Research nature: descriptive analysis. Data types: secondary data and primary data. Sample determination technique: purposive sampling. Data collection technique: literature study and interviews. Data analysis technique: interpretation and legal analogy.
Co-Authors Adinda Mutiara I Ahmad Faizal Adha Alamsyah, Indra Fajar Andinie Zanatine Anggra Yudha Ramadianto Anggra Yudha Ramadianto Anwar Hafidz Amrullah Arham Bima Amantana Arif Firmansyah Asep Hakim Zakiran Cecep Kusmana Dede Kania Dhody Ananta Rivandi W Dian Prihanto Diana Wiyanti Dikha Anugrah Dini Dewi Heniarti Eman Suparman Erny Kencanawati Fatma Az-zahra Fellisa Shafa Azzahra Felly Faradina Ghinna Annissa Salma Hanifah Purnamasari Hery Widijanto Hesti Dwi Astuti Husni Syawali Idhofi Fahrizal Intan Nurrachmi Jejen Hendar Juarsa, Eka Kamilah, Anita M Faiz Mufidi Makmur Makmur Mentari Nuralya Fahirattunisa Mochamad Arsya Nugraha Mohamad Donie Aulia Muhamad Firhan Fauzan Muhammad Azis Ramdhani Sobari Afiatin Muhammad Ilman Abidin Muhammad Reza Subhan Mustofa Abdul Basir Mustofa Abdul Basir Nandang Sambas Nandiny Pratiwi Ariandi Neni Ruhaeni Nugraha, Ivan Nurrohman Syarif, Nurrohman Panji Adam Agus Putra Pingkan Tirai Meyzha Sastrawinata Rachmat Januardi Tanjung Ratna Januarita Reni Trimelawati Reza Sri Astriyana Riefa Adzany Rimba Supriatna Rimba Supriatna Rimsyahtono Rimsyahtono Rimsyahtono Riska Andina Putri Rizal Wiranata Sandi Gunawan Sadda Shendya Rizky Sephiany Sri Pujiastoeti Sri Ratna Suminar Sundari, Rini Irianti Susanto Susanto Sutrirubiyanto Nova, Yuzon Syafa Puteri Ananda Tarisya Ramadhania Putri Trimelawati, Reni Viony Yulia Putri Wahyudi Wahyudi WEISHAGUNA WEISHAGUNA Yaumi Sidik Ginanjar Yoghi Arief Susanto Zeis Zultaqawa Zulhendrawan