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Penerapan Prinsip Hukum Ekonomi Syariah dalam Penyelesaian Wanprestasi Akad Murabahah: Studi Kasus di Pengadilan Agama Situbondo Fadlila, Annisa Zakiyatul; Muallifin, Darin Arif
Shar-E : Jurnal Kajian Ekonomi Hukum Syariah Vol. 11 No. 2 (2025): Shar-E: Jurnal Kajian Ekonomi Hukum Syariah
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/shar-e.v11i2.4454

Abstract

Murabahah financing, as a prevalent Islamic banking product, frequently encounters default issues requiring resolution that aligns with sharia principles. This study aims to analyze the application of sharia economic law principles in resolving Murabahah contract defaults at the Situbondo Religious Court. Employing a qualitative method with a normative juridical approach, this research analyzes court verdict documents as primary data, supplemented by DSN-MUI fatwas and relevant literature as secondary data. The findings indicate that while the Murabahah contract formally fulfilled its pillars and conditions, the implementation of sharia principles in default resolution faced challenges, particularly regarding the imposition of late penalties that did not fully reflect the principles of justice (al-'adl) and compensatory damages (ta'widh). The study concludes that despite procedural adherence, substantive sharia compliance requires greater attention, especially in sanction clauses. It recommends enhanced socialization and assistance for sharia financial institutions to ensure comprehensive alignment of financing practices with sharia principles, encompassing both formal and substantive aspects of the contract.
Penerapan Asas Itikad Baik dan Kepastian Hukum dalam Sengketa Penolakan Klaim Asuransi Jiwa Syariah: Analisis Putusan Pengadilan Agama Medan Nomor 198/Pdt.G/2025/PA.Mdn Imamah, Mutia Izzatun Nurul; Muallifin, Darin Arif
Shar-E : Jurnal Kajian Ekonomi Hukum Syariah Vol. 12 No. 1 (2026): Shar-E : Jurnal Kajian Ekonomi Hukum Syariah
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/shar-e.v12i1.4418

Abstract

This research examines the application of good faith and legal certainty principles in resolving Islamic economic disputes at the Medan Religious Court through analysis of verdict Number 198/Pdt.G/2025/PA.Mdn concerning rejection of sharia life insurance claims by PT Prudential Sharia Life Assurance against beneficiary heirs. Employing normative juridical methodology with case and conceptual approaches, this study analyzes the integration of positive law with Islamic legal principles in judicial considerations. Research findings indicate that the Panel of Judges applied the good faith principle (husn al-niyyah) in evaluating insurer conduct that rejected claims based on administrative grounds after policy issuance, constituting breach of contract. Legal certainty principle implementation manifested through judicial affirmation that claim settlement delays exceeding Financial Services Authority regulatory standards violated consumer protection rights. Judicial reasoning demonstrated progressive synthesis between Article 1338 Civil Code, Article 36 Compilation of Sharia Economic Law, and pacta sunt servanda principle in Islamic jurisprudence. This verdict strengthens consumer protection mechanisms and provides judicial precedent encouraging transparency enhancement and accountability in sharia insurance industry practices, thereby contributing to jurisprudential development of Islamic economic law in Indonesia.