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SALAM: Jurnal Sosial dan Budaya Syar-i
Published by Universitas Islam Negeri Syarif Hidayatullah Jakarta
ISSN : 23561459     EISSN : 26549050     DOI : 10.15408
Core Subject : Religion, Humanities, Education, Social,
Religion Humanities Law, Crime, Criminology & Criminal Justice Social Sciences Other
SALAM: Jurnal Sosial dan Budaya Syar-i (ISSN 2356-1459) is a national journal published by the Faculty Sharia and Law Syarif Hidayatullah State Islamic University of Jakarta, INDONESIA. The focus is to provide readers with a better understanding of Indonesia social and sharia culture and present developments through the publication of articles, research reports, and book reviews. SCOPE of SALAM: Jurnal Sosial dan Budaya Syar-i specializes in Indonesian social and sharia culture, and is intended to communicate original researches and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines. SCOPE of SALAM: Jurnal Sosial dan Budaya Syar-i specializes in Indonesian social and sharia culture, and is intended to communicate original researches and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 24 Documents
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Eksekusi Gugatan Sederhana Di Pengadilan Negeri Serang (Studi Putusan Pengadilan Negeri Serang Nomor 4/pdt.g.s/2019/pn.srg Tuti Alawiyah; Inge Dwisvimiar; Mochammad Arifinal
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 9, No 4 (2022)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v9i4.27073

Abstract

This study aims to analyze the implementation of the Serang District Court Decision Number: 4/Pdt.G.S/2019/PN.Srg. according to PERMA No. 4/2019 concerning Procedures for Settlement of Simple Lawsuits, and countermeasures against obstacles that occur in the implementation of executions based on PERMA No. 4/2019. This type of research is normative juridical and case studies through a legal approach. The results showed that the decision on a simple lawsuit in the Serang District Court Decision Number 4/Pdt.GS/2019/PN.Srg based on PERMA No.4/2019 was carried out based on the principles of ordinary civil procedure law by determining the auction for the implementation of confiscation guarantees through the KPKNL. The concept of regulating the implementation of a simple lawsuit at the Serang District Court in its legal application has not been effective with the finding of a simple lawsuit settlement and the determination of guarantees exceeding the time limit determined by Perma Number 4 of 2019.Keywords: Arrangement; Execution; Simple Lawsuit. AbstrakPenelitian ini bertujuan untuk menganalisis pelaksanaan Putusan Pengadilan Negeri Serang Nomor: 4/Pdt.G.S/2019/PN.Srg. sesuai PERMA No. 4/2019 tentang Tata Cara Penyelesaian Gugatan Sederhana, dan penanggulangan terhadap kendala yang terjadi dalam pelaksanaan eksekusi berdasarkan PERMA No. 4/2019. Jenis penelitian ini adalah yuridis normatif dan studi kasus melalui pendekatan hukum. Hasil penelitian menunjukkan bahwa Putusan atas gugatan sederhana dalam Putusan PN Serang Nomor 4/Pdt.GS/2019/PN.Srg berdasarkan PERMA No.4/2019 dilakukan berdasarkan asas hukum acara perdata biasa dengan penetapan lelang pelaksanaan penjaminan sita melalui KPKNL. Konsep pengaturan pelaksanaan gugatan sederhana di Pengadilan Negeri Serang dalam penerapan hukumnya belum efektif dengan ditemukannya penyelesaian gugatan sederhana dan penetapan jaminan melebihi batas waktu yang ditentukan oleh Perma Nomor 4 Tahun 2019.Kata Kunci: Penataan; Eksekusi; Gugatan Sederhana.
Penyelesaian Sengketa Pegawai Pemerintah dengan Perjanjian Kerja melalui Upaya Administratif Satya Suryo Harjanto
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 9, No 4 (2022)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v9i4.26455

Abstract

The dispute of government employee already changed since Law Number 5/2014 about state civil apparatur take effecty, especially related to the expansion of the legal subject of employment which includes Civil Servants and Government with Work Agreements as well as dispute resolution through administrative efforts. The problem that will be discussed is how to resolve a dispute of government employee regarding the submission of administrave effort by PPPK to a decision. This research is a normative legal research with explorative typology. The data analysis is done by qualitative analysis method, while the research tool is literature reveiw The results of the study show that in terms of legal protection there is still a disparity in disciplinary arrangements for Government Employees with Work Agreements regulated by each institution based on the characteristics of the institution so that it creates legal uncertainty if there is the dispute settlement of the termination of goverment with work agreement to Advisory Board of State Civil Apparatur (BPASN).Keywords: The dispute of government employee; Administrative Efforts; BPASN AbstrakPenyelesaian sengketa pegawai mengalami perubahan sejak berlakunya Undang-Undang Nomor 5 Tahun 2014 Aparatur Sipil Negara khususnya berkaitan dengan perluasan subyek hukum kepegawaian meliputi Pegawai Negeri Sipil dan Pegawai Pemerintah dengan Perjanjian Kerja serta penyelesaian sengketa melalui upaya administratif berupa keberatan dan banding administratif. Permasalahan yang akan dibahas adalah bagaimana penyelesaian sengeketa pengajuan upaya administratif oleh PPPK terhadap suatu keputusan. Penelitian ini merupakan penelitian yuridis normatif dengan tipologi eksploratif. Analisis data dilakukan dengan metode kualitatif dengan studi dokumen sebagai alat pengumpulan data. Hasil penelitian menunjukkan dalam hal perlindungan hukum masih terdapat disparitas pengaturan disiplin bagi Pegawai Pemerintah dengan Perjanjian Kerja yang diatur oleh masing-masing instansi berdasarkan karakteristik instansi sehingga hal tersebut menimbulkan ketidakpastian hukum apabila terjadi penyelesaian sengketa pemutusan hubungan perjanjian kerja kepada Badan Pertimbangan Aparatur Sipil Negara (BPASN)Kata Kunci: Sengketa Pegawai; Upaya Administratif; BPASN
Tren Belanja Online Pada Masyarakat Kota Palembang Masa Pandemi Covid 19 (Analisis Perilaku Konsumen Perspektif Ekonomi Islam) Melis Melis
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 9, No 4 (2022)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v9i4.26889

Abstract

This paper aims to explain Islamic economic theory about consumption and consumer behavior, and later this paper will also explain the behavior of the people of Palembang City in shopping online during the Covid-19 Pandemic. This paper uses a qualitative approach. The data obtained from the literature study, namely from various sources of books on consumption in the perspective of Islamic economics. As a result, the online shopping trend of the people of Palembang city is in accordance with the corridors of Islamic law, namely the consumption principle from an Islamic economic perspective. In the concept of Islamic consumption, there are moral and social values (maslahah) which recognize the rights of others in meeting individual needs, the allocation of personal assets for zakat, infaq, shadaqah, and other benefits that are set aside by Muslim consumers in every fulfillment of their needs.Keywords: Online Shopping; Consumption; Consumer Behavior; Islamic Economy AbstrakTulisan ini bertujuan untuk menjelaskan teori ekonomi Islam tentang konsumsi dan perilaku konsumen, dan nantinya tulisan ini juga akan menjelaskan perilaku masyarakat Kota Palembang dalam berbelanja online di masa Pandemi Covid-19. Tulisan ini menggunakan pendekatan kualitatif. Data-data yang didapatkan dari studi kepustakaan, yakni dari berbagai sumber buku tentang konsumsi dalam perspektif ekonomi Islam. Hasilnya, tren belanja online masyarakat kota Palembang sesuai dengan koridor syariat Islam, yakni dalam prinsip konsumsi perpektif ekonomi Islam. Dalam konsep konsumsi Islam terkandung nilai-nilai moral dan sosial (maslahah) yang mengakui hak orang lain dalam pemenuhan kebutuhan individu, adanya pengalokasian harta pribadi untuk zakat, infaq, shadaqah, dan kemaslahatan lain yang disisihkan konsumen muslim dalam setiap pemenuhan kebutuhan yang dilakukannya.Kata kunci: Belanja Online; Konsumsi; Perilaku Konsumen; Ekonomi Islam
Penerapan Rehabilitasi Bagi Penyalahguna Narkotika Dalam Sistem Peradilan Pidana Di Indonesia Rio Verieza; Tofik Yanuar Chandra; Santrawan Paparang
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 9, No 4 (2022)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v9i4.26738

Abstract

Rehabilitation is one of the principles in the Criminal Justice System in Indonesia based on Law Number 8 of 1981 as well as in theoretical discussions regarding the abolition of punishment and the regulation of punishment. According to the Narcotics Law, narcotics are substances or drugs derived from plants or non-plants, both synthetic and semi-synthetic which can cause a decrease or change in consciousness, loss of taste, reduce to eliminate pain, and can cause dependence, which are divided into groups- group. The analysis used in this research is descriptive qualitative analysis, in the sense that the collected legal materials are described in the form of narratives that are arranged systematically, logically, and are the result of the process of interpreting research on legal materials produced based on philosophical and sociological grounds as well as the legality of ideas. the effectiveness of the implementation of rehabilitation for addicts and narcotics abusers.Keywords: Narcotics; Criminal Justice; Rehabilitation AbstrakRehabilitasi merupakan salah satu asas dalam Sistem Peradilan Pidana di Indonesia berdasarkan Undang-Undang Nomor 8 Tahun 1981 maupun dalam pembahasan teoritik mengenai peniadaan hukuman dan pengaturan hukuman. Menurut UU Narkotika, narkotika adalah zat atau obat yang berasal dari tanaman atau bukan tanaman, baik sintetis maupun semi sintetis yang dapat menyebabkan penurunan atau perubahan kesadaran, hilangnya rasa, mengurangi sampai menghilangkan rasa nyeri, dan dapat menimbulkan ketergantungan, yang dibedakan ke dalam golongan-golongan. Analisis yang digunakan dalam penelitian ini adalah analisis deskriptif kualitatif, dalam arti bahan-bahan hukum yang terkumpul diuraikan dalam bentuk narasi yang tersusun secara sistematis, logis, dan merupakan hasil dari proses interpretasi penelitian terhadap bahan hukum yang dihasilkan berdasarkan dasar filosofis dan sosiologis serta legalitas gagasan efektifitas pelaksanaan rehabilitasi bagi pecandu dan penyalahgunaan narkotika.Kata Kunci: Narkotika; Peradilan Pidana; Rehabilitasi
Implementasi Maqashid Syariah dan Aktualisasinya dalam Pengembangan Sistem Ekonomi Islam Ahmad Mukri Aji; Syarifah Gustiawati Mukri
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 9, No 4 (2022)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v9i4.27108

Abstract

The implementation of maqashid sharia as the basic theory of Islamic justice and welfare is a determining factor in the development of an increasingly growing Islamic economic system. The development of an increasingly complex Islamic economic system opens up opportunities for ijtihad to create new norms for banking products and other sharia transactions. Sharia economists and banking practitioners not only master the science of muamalah fiqh and its applications, but also must understand the maqashid sharia as the goal of establishing Islamic law. The method used in this study is a qualitative method with a literature approach. The results of the study state that the actualization of the maqashid sharia concept in product development and sharia transactions can be applied to modern transactions such as interbank money market instruments, sukuk schemes, repos, syndicated financing between sharia banks or conventionally, restructuring, property indent financing, ijarah maushufah fiz zimmah, hybrid take over and refinancing, forfeiting, overseas financing, KTA scheme, multipurpose financing, credit card design, laws related to fiduciary guarantees, mortgages, and mortgages, maqashid of annuities, Tawarruq, net revenue sharing, installments gold, gold investment, as well as a number of new cases that continue to emerge that require solution and innovative arguments in the formation of new norms in modern life transactions.Keywords: Implementation; Maqashid Shari'ah; Islamic economics Abstrak Implementasi maqashid syariah sebagai teori dasar keadilan dan kesejahteraan Islam merupakan faktor penentu dalam pengembangan sistem ekonomi Islam yang semakin berkembang. Perkembangan sistem ekonomi Islam yang semakin kompleks, membuka peluang ijtihad terhadap penciptaan norma baru terhadap produk perbankan dan transaksi syari’ah lainnya. Para Ekonom syariah dan praktisi perbankan tidak hanya sekedar menguasai ilmu fikih muamalah dan aplikasinya saja, tetapi juga harus memahami maqashid syariah sebagai tujuan ditetapkannya hukum Islam. Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan pendekatan literatur. Hasil penelitian menyatakan bahwa aktualisasi konsep maqashid syariah dalam pengembangan produk dan transaksi syari’ah dapat diterapkan pada transaksi modern seperti instrumen money market inter bank, skim-skim sukuk, repo, pembiayaan sindikasi antar bank syariah atau dengan konvensional, restrukturisasi, pembiayaan property indent, ijarah maushufah fiz zimmah, hybrid take over dan refinancing, forfeiting, overseas financing, skim KTA, pembiayaan multiguna, desain kartu kredit, hukum-hukum terkait jaminan fiducia, hypoteik, dan hak tanggungan, maqashid dari anuitas, tawarruq, net revenue sharing, cicilan emas, investasi emas, serta sejumlah kasus-kasus baru yang terus bermunculan yang membutuhkan argumentasi solutif dan inovatif dalam pembentukan norma baru pada transaksi kehidupan modern.Keyword: Implementasi; Maqashid Syari’ah; Ekonomi Islam
Penerapan Kebijakan Penal dan Non Penal Dalam UU Nomor 6 Tahun 2018 pada Kasus Joki Vaksin dan Joki Karantina Faqih Zuhdi Rahman
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 9, No 4 (2022)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v9i4.26549

Abstract

This study aims to prescriptively analyze the urgency and implementation of penal and non-penal policies in the Health Quarantine Law Number 6 of 2018 in the case of vaccine jockeys and quarantine jockeys. In the case of vaccine jockeys and quarantine jockeys, there are two possible ways of law enforcement, namely through penal and non-penal means. The method in this study is normative legal research by focusing on secondary and tertiary materials such as the Health Quarantine Act number 6 of 2018 and the Law on infectious disease outbreaks number 4 of 1984 and its derivatives. From the results of this study, it was found that there is a need for law enforcement on violations of Health protocols in cases of vaccine jockeys and quarantine jockeys based on penal and non-penal policies, whose implementation is adjusted to the urgency of its application so that not only the realization of a fair law is also humanistic.Keywords: Penal Policy; Non-Penal Policy; Health Protocol AbstrakPenelitian Ini bertujuan untuk menganalisa secara preskriptif urgensi dan implementasi penerapan kebijakan penal dan non penal dalam Undang-undang Karantina Kesehatan Nomor 6 tahun 2018 pada kasus joki vaksin dan joki karantina. Dalam kasus joki vaksin dan joki karantina terdapat dua kemungkinan cara penegakan hukum, yakni melalui sarana penal dan non penal. Metode dalam penelitian ini adalah penelitian hukum normatif dengan berfokus pada bahan sekunder dan tersier seperti Undang-undang karantina kesehatan nomor 6 tahun 2018 dan Undang-undang wabah penyakit menular nomor 4 tahun 1984 dan turunannya. Dari hasil penelitian ini ditemukan perlunya penegakan hukum pada pelanggaran protokol Kesehatan terhadap kasus joki vaksin dan joki karantina berbasis pada kebijakan penal dan non penal, yang implementasinya disesuaikan dengan urgensi penerapannya agar tidak hanya terwujudnya hukum yang adil namun juga humanis.Kata Kunci: Kebijakan Penal; Kebijakan Non Penal; Protokol Kesehatan
Perlindungan Hukum Terhadap Tenaga Kerja Penyandang Disabilitas Dikaitkan Dengan Undang-Undang Nomor 13 Tahun 2003 Tentang Ketenagakerjaan David Andi; Tofik Yanuar Chandra; Mohamad Ismed
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 9, No 4 (2022)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v9i4.26636

Abstract

Penyandang disabilitas adalah setiap orang yang mempunyai kelainan fisik dan/atau mental, yang dapat mengganggu atau merupakan rintangan dan hambatan baginya untuk melakukan secara selayaknya. Penelitian ini tentang upaya perlindungan hukum terhadap tenaga kerja disabilitas menurut Undang-Undang Nomor 13 Tahun 2003 tentang Ketenagakerjaan dan upaya Pemerintah dalam mempekerjakan tenaga kerja penyandang disabilitas. Pemerintah dalam mempekerjakan tenaga kerja penyandang disabilitas antara lain menerapkan kebijakan-kebijakan yang mengatur tentang jaminan kesetaraan dengan tenaga kerja non penyandang cacat, kondisi kerja yang adil, penggajian yang setara, promosi jabatan yang adil, kondisi kerja inklusif, dan akses penyandang disabilitas, jaminan perlindungan atas keikutsertaan dalam serikat buruh, serta melarang setiap perusahaan mem-PHK tenaga kerja yang mengalami kecacatan saat bertugas di perusahaan dan melakukan sosialisasi, pengawasan ke perusahaan-perusahaan tentang kuaota 1% mempekerjakan penyandang disabilitas serta memberikan rewards/penghargaan bagi perusahaan-perusahaan yang merekrut tenaga kerja penyandang disabilitas.Kata Kunci : Perlindungan Hukum, Penyandang Disabilitas AbstractPersons with disabilities are every person who has physical and/or mental disorders, which can interfere or become obstacles and obstacles for him to perform properly. This research is about legal protection for workers with disabilities according to Law Number 13 of 2003 concerning Manpower and the Government's efforts to employ workers with disabilities. The government in employing workers with disabilities, among others, implements policies that regulate the guarantee of equality with non-disabled workers, fair working conditions, equal pay, fair promotions, inclusive working conditions, and access for persons with disabilities, protection guarantees. for participating in labor unions, and prohibiting every company from laying off workers with disabilities while on duty at the company and conducting socialization, supervision to companies about the 1% quota for employing people with disabilities and providing rewards/awards for companies that recruit workers. work of persons with disabilities.Keywords: Legal Protection, Persons with Disabilities
The Effect of Mudharabah and Musyarakah Financing on the Capital Structure of Indonesian Islamic Banks during the Covid 19 Pandemic Fadilla Fadilla; Choiriyah Choiriyah
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 9, No 4 (2022)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v9i4.26900

Abstract

This study was conducted to determine the effect of Mudharabah and Murabahah financing on the capital structure (Debt Ratio) at Indonesian Islamic Banks during the Covid 19 Pandemic. The research method used in this study was multiple linear regression analysis. There are two independent variables in this study, mudharaba as X1 and murabahah as X2, while the independent variable in this study is the capital structure proxied by the debt ratio. This research results show that Mudharabah and Murabahah financing are proven to have a simultaneous effect on the debt ratio because the ANOVA table significance test is 0.003. This value is smaller than 0.05. While partially mudharabah financing affects the debt ratio, Murabaha does not significantly affect the debt ratio.Keywords: Mudharabah Financing, Murabahah Financing, Debt Ratio Abstrak                                                   Penelitian ini dilakukan utuk mengetahui pengaruh pembiayaan Mudharabah dan Murabahah terhadap Struktur modal (Debt Ratio) pada Bank Syariah Indonesia pada masa Pandemi Covid 19. Metode penelitian yang dipakai dalam penelitian ini adalah analisis regresi linier berganda. Variabel independen penelitian ini ada dua yaitu mudharabah sebagai X1 dan murabahah sebagai X2, sedangkan variabel independen dalam penelitian ini adalah struktur modal yang di proxi dengan Debt ratio. Hasil dari peenelitian ini adalah pembiayaan Mudharabah dan Murabahah terbukti berpengaruh secara simultan  terhadap Debt ratio, karena uji signifikansi tabel anova 0,003, nilai ini lebih kecil dari pada 0,05. Sedangkan secara parsial pembiayaan mudharabah berpengaruh terhadap Debt ratio sedangkan Murabahah tidak berpengaruh secara signifikan terhadap debt ratio.Kata Kunci : Pembiayaan Mudharabah, Pembiayaan Murabahah, Debt Ratio
“Anak Nagari” dan Kekuasaan: Relasi Kekuasaan Informal Dalam Konflik Penguasaan Sumber Ekonomi Di Kecamatan Pauh Redho Rama Putra; Asrinaldi Asrinaldi; Afrizal Afrizal
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 9, No 4 (2022)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v9i4.26421

Abstract

This study discusses the emergence of client protection groups and power relations in the "Anak Nagari" community layer on the control of economic resources in Pauh District. Existing economic resources. In this study, the researcher describes two groups of client patrons. This study aims to explain the meetings of client groups that are formed and informal power relations carried out by groups for economic purposes. This study uses a qualitative approach with ethnographic methods. With research results. First, in the patron-client relationship there are two patterns of interaction that are formed between the patron and the client where the patron has symbolic power and economic offers given to clients, so that the client responds with trust and defense so that a pattern of interaction between patron and client is formed in the group.Keywords: Patron-Client; Power; Economic Resources Abstract Penelitian ini membahas tentang kemunculan kelompok patron klien dan relasi kekuasaan dalam lapisan masayarakat “Anak Nagari” terhadap penguasaan sumber ekonomi yang ada di Kecamatan Pauh. Sumber ekonomi yang ada, Dalam penelitian ini, peneliti menjelaskan tentang dua kelompok patron klien. Peneltian ini bertujuan untuk menjelasakan tentang identifikasi kelompok patron klien yang terbentuk dan relasi-relasi kekuasaan informal yang dibangun oleh kelompok untuk kepentingan ekonomi, penelitian ini menggunakan pendekatan kualitatif dengan metode etnografi. Dengan hasil penelitian. Pertama, dalam terbentuknya hubungan patron klien ada dua pola interaksi yang terbentuk antara patron dan klien dimana patron memiliki kekuasaan secara simbolis dan tawaran ekonomi yang diberikan kepada para klien, sehingga klien membalasnya dengan kepercayaan dan pembelaan sehingga terbentuklah pola interaksi antara patron dan klien dalam kelompok.Kata Kunci: Patron-Klien; Kekuasaan; Sumber Ekonomi
Tanggung Jawab Hukum Perbankan Terhadap Nasabah Kartu Kredit Macet Akibat Kurang Menerapkan Prinsip Kehati-Hatian Dalam Penerbitan Kartu Kepada Nasabah Ester Simanungkalit; Hedwig Adianto Mau; Gatut Hendro TW
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 9, No 4 (2022)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v9i4.27252

Abstract

The application of the principle of customer protection against bad credit cards due to not applying the precautionary principle causes financial losses to customers so that there is a need for legal rules to protect customers in the event of a bad credit dispute. The author uses a descriptive qualitative method, the results of the research in this paper are where the legal protection of banking for bad credit card customers is due to not applying the precautionary principle in issuing cards to customers. The results of the study stated that bad credit card disputes often occur for various reasons, where all credit card issuers should have implemented the regulations as stated in the PBI (Bank Indonesia Regulations). Settlement in the Consumer Dispute Settlement Agency (BPSK) and complaints to OJK as regulated in OJK Regulation No. 1/POJK.07/2013 concerning Consumer Protection in the financial services sector which contains efforts that can be taken by customers as a form of customer protection. If the customer is unable to pay the Bank's arrears, the Bank usually reports to the Bank Indonesia Debtor Information System which results in the recipient of the credit card bill being included in the bad credit blacklist of Bank Indonesia, resulting in the recipient of the credit card bill not being able to apply for capital credit to various financial institutions.Keywords: Banking Law; Bad credit card; Banking Customers AbstrakPenerapan prinsip perlindungan nasabah terhadap kartu kredit macet akibat kurang menerapkan prinsip kehati-hatian menimbulkan kerugian financial terhadap nasabah sehingga perlunya aturan hukum untuk melindungi nasabah apabila terjadi sengketa kredit macet. Penulis menggunakan metode kualitatif deskriptif, hasil penelitian pada tulisan ini adalah dimana perlindungan hukum perbankan terhadap nasabah kartu kredit macet akibat kurang menerapkan prinsip kehati-hatian dalam penerbitan kartu kepada nasabah. Hasil penelitian menyatakan bahwa seringnya terjadi sengketa kartu kredit macet dengan beragam alasan, dimana seharusnya seluruh penerbit kartu kredit sudah menjalankan peraturan sesuai yang tercamtum dalam PBI (Peraturan Bank Indonesia). Penyelesaian dalam Badan Penyelesaian Sengketa Konsumen (BPSK) dan pengaduan kepada OJK yang diatur dalam Peraturan OJK No. 1/POJK.07/2013 tentang Perlindungan Konsumen sektor jasa keuangan yang memuat upaya-upaya yang dapat ditempuh oleh nasabah sebagai bentuk perlindungan nasabah. Jika nasabah tidak mampu membayar tunggakan tangihan Bank, Bank biasanya melakukan pelaporan kepada Sistem Informasi Debitur Bank Indoesia yang mengakibatkan penerima tagihan kartu kredit masuk dalam daftar blacklist kredit macet Bank Indonesia sehingga mengakibatkan penerima surat tagihan kartu kredit tidak bisa mengajukan kredit modal ke berbagai lembaga keuangan.Kata Kunci: Hukum Perbankan; Kartu kredit Macet; Nasabah Perbankan

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