Implementasi Akad Ijarah Muntahiyah Bittamlik Dengan Jaminan Hak Tanggungan Dalam Akta Notaris - Muhammad Amirullah Ibrahim Darajatun Al Farisi (Faculty of Law Universitas Islam Indonesia, 2022)
The Ijarah Muntakiyyah Bittamlik contract is a sharia contract related to leasing that is carried out by many banks, because it is run by a bank, the bank requires collateral, one of which is a mortgage as a form of prudence, but this is where an error arises in applying the mortgage guarantee with the Ijarah Muntakiyyah Bittamlik contract. Because of this, two formulations of the problem are obtained, namely first, how is the implementation of the ijarah Muhamiyyah bittamlik contract with guaranteed mortgage rights in a notary deed? Second, what are the legal consequences in the event of an error in the application of the ijarah Muhamiyyah bittamlik contract with the guarantee of mortgage rights in a notary deed? This type of legal research uses normative supported by empirical with a statutory approach. The results of the study concluded that first, the implementation of the deed with the Ijarah Muntakiyyah Bittamlik contract with collateral rights is not appropriate because the binding of the mortgage guarantee can be carried out if debt arises due to unpaid rent not against the Ijarah Muntakiiyah Bittamlik contract which is based on rent, Second, the application of the Ijarah Muntakiyyah Bittamlik contract is erred with the guarantee of mortgage rights resulting in the contract being fasid.Key Word: Notary Deed, Mortgage, Implementation, Ijarah Muntakiyyah Bittamlik AbstrakAkad Ijarah Muntahiyyah Bittamlik merupakan akad syariah terkait dengan sewa-beli yang banyak dijalankan bank, karena dijalankan oleh bank maka bank memerlukan jaminan salah satunya hak tanggungan sebagai sebuah bentuk kehati-hatian namun disinilah muncul kesalahan penerapan jaminan hak tanggungan dengan akad Ijarah Muntahiyyah Bittamlik. Karenanya didapatkan dua rumusan masalah, yaitu pertama, bagaimana implementasi akad ijarah muntahiyyah bittamlik dengan jaminan hak tanggungan dalam akta notaris ? Kedua, Bagaimana akibat hukumnya dalam hal terjadi kesalahan penerapan akad ijarah muntahiyyah bittamlik dengan jaminan hak tanggungan dalam akta notaris ? Jenis penelitian hukum menggunakan normatif yang ditunjang dengan empiris dengan pendekatan perundang-undangan. Hasil Penelitian menyimpulkan pertama, implementasi akta dengan akad Ijarah Muntahiyyah Bittamlik dengan jaminan hak tanggungan belum tepat karena pengikatan jaminan hak tanggungan bisa dilakukan jika timbul hutang akibat sewa yang tidak dibayar bukan terhadap akad Ijarah Muntahiiyah Bittamlik yang berbasis sewa, Kedua Kesalahan penerapan akad Ijarah Muntahiyyah Bittamlik dengan jaminan hak tanggungan mengakibatkan akad menjadi fasid.Kata-kata Kunci: Akta Notaris, Hak Tanggungan, Implementasi, Ijarah Muntahiyyah Bittamlik