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Implementasi Undang-Undang Perlindungan Konsumen dalam Industri Perbankan Syariah Irfan Ridha; Ahmad Kalingga; Aisyah Putri Indra; Alfajar Ahmad Abujibril; Alisha Zahra Saadiya; Anisa Ayu Putri; Annisa Mardiya Hakim; Arinaldi Arinaldi; Arina Putri Agustina; Ayu Saputri; Bintang Reynaldo Putra
Jembatan Hukum : Kajian ilmu Hukum, Sosial dan Administrasi Negara Vol. 2 No. 1 (2025): Maret : Jembatan Hukum : Kajian ilmu Hukum, Sosial dan Administrasi Negara
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/jembatan.v2i1.1242

Abstract

The Consumer Protection Law (UU 22/2020) has provided a legal basis for consumer protection in the banking industry. The implementation of this law is important in the Islamic banking industry due to its consistency with sharia values which place justice and balance as the main principles. The purpose of this study is to analyze the implementation of the Consumer Protection Act in the Islamic banking industry and evaluate the effectiveness of its implementation. This research uses a qualitative approach with a literature study. Data was collected through analysis of book literature and analysis of documents related to the implementation of the Consumer Protection Act. The results of the study show how actual implementation of the Consumer Protection Law is in its operational procedures. However, there are several challenges in implementation, such as the lack of awareness and understanding of customers about their rights, as well as a lack of adequate human resources and information technology to meet the requirements of the law. This study recommends that Islamic banks increase consumer empowerment campaigns and invest in adequate human resources and information technology to increase the effectiveness of the implementation of the Consumer Protection Act. This is expected to increase customer confidence in the sharia banking industry and support sustainable industry growth.
Penerapan Produk Pembiayaan Perbankan dalam Prespektif Hukum Islam (Perbankan Syariah) Irfan Ridha; Anisa Ayu Putri; Arina Putri Agustina; Ari Naldi; Ayu Saputri; Annisa Mardiya Hakim; Ahmad Kalingga; Aisyah Putri Indra; Alfajar Ahmad Abujibril; Bintang Reynaldo Putra; Alisha Zahra Saadiya
Mahkamah : Jurnal Riset Ilmu Hukum Vol. 2 No. 1 (2025): Januari : Mahkamah : Jurnal Riset Ilmu Hukum
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/mahkamah.v2i1.459

Abstract

This journal examines the implementation of banking financing products within the framework of Islamic law, focusing on the principles and practices of Islamic banking. The study explores how Islamic banking products align with Shariah principles, emphasizing compliance with prohibitions such as riba (usury), gharar (uncertainty), and maysir (gambling). The analysis also references the legal framework governing Islamic banking in Indonesia, particularly Law No. 21 of 2008 on Islamic Banking, and the regulations issued by the Financial Services Authority (OJK). The study evaluates the role of Islamic banks in promoting economic justice, financial inclusivity, and sustainable development. The findings aim to provide a comprehensive understanding of how Islamic finance products contribute to economic growth and the challenges faced by Islamic banking institutions in Indonesia’s financial market.