Mortgage Rights for The Sharia Banking Murabahah Akad its Position and Application
Abstract views: 104
,
pdf downloads: 43
Abstract
This research aims to explain the practice of mortgage rights in Islamic banking, the legal position of mortgage rights as a form of collateral in Islamic banking financing, the application/implementation of mortgage rights in Islamic banking financing, and explore whether mortgage rights as a form of collateral in Islamic banking financing have an equal position with credit in conventional banking. This research uses a sociolegal approach with secondary data sources, namely a review of primary legal texts, secondary legal literature, and non-legal sources. This research concludes that: 1) Mortgage Rights' validity in Islamic banking financing can be observed through the institution of Mortgage Rights regulated in Law Number 4 of 1996 concerning Mortgage Rights on Land and Related Objects. 2) In Islamic banking practice, there is a strong emphasis on the existence of collateral in the assessment of providing financing to customers. 3) Mortgage rights as collateral have a different position between conventional and Islamic banks. This research contributes to understanding the legal position and application of mortgage rights as collateral in murābaḥah contracts in Islamic banking. It compares it with the credit system in conventional banking. The research results are expected to provide policy references in the banking sector regarding more effective implementation of mortgage rights in murābaḥah contracts.
References
Anggriani, Reni, Galang Rizki, and Wida Febriansyah. “The Mortgage Right as Murābaḥah Financing Security.” Jurnal Hukum Novelty 10, no. 1 (2019). https://doi.org/10.26555/novelty.v10i1.a13692.
Annisaa, Alifia, Nurizal Ismail, and Iman Nur Hidayat. “Sejarah Hukum Perbankan Syariah Di Indonesia.” Ijtihad Jurnal Hukum dan Ekonomi Islam 13, no. 2 (2019).
Bimantara, Ragga, Etty Mulyati, and Isis Ikhwansyah. “Application of Consignment to Objects that Have Been Guaranteed Through Mortgage Rights.” Jurnal IUS Kajian Hukum dan Keadilan 7, no. 2 (2019). https://doi.org/10.29303/ius.v7i2.645.
Dewi Ayu Safitri, Sri, Kata Kunci, Nisbah Bagi Hasil, and Sukuk Ritel. “Analisis Pengaruh Nisbah Bagi Hasil, Inflasi dan PDB Perkapita Terhadap Permintaan Sukuk di Indonesia.” Jurnal Ekonomi Daerah (JEDA) 7, no. 3 (2019).
Fadhli, Muhammad. “Tinjauan Hukum Islam Terhadap Eksekusi Lelang Jaminan Pada Institusi Perbankan Syariah di Aceh.” at-Tasyri’: Jurnal Ilmiah Prodi Muamalah, 2018. https://doi.org/10.47498/tasyri.v10i2.211.
Fauzia, Ana, Deva Gama, Rizky Octavia, and Fathul Hamdani. “The Conflict of The Norms in The Execution of Secured Objects Enforced by Liability Rights When the Debtor Is Bankrupt.” Progressive in Law 4, no. 1 (2022).
Febrianto, Surizki, and Devi Ayunda. “The Implementation of Execution Auction by Creditors on Debtor Rights’ Guarantee in the Office of State Assets and Auction Services (KPKNL).” International Journal of Innovation, Creativity and Change 10, no. 5 (2019).
Fitriani, Ifa Latifa. “Jaminan dan Agunan Dalam Pembiayaan Bank Syariah dan Kredit Bank Konvensional.” Jurnal Hukum & Pembangunan 47, no. 1 (2017). https://doi.org/10.21143/jhp.vol47.no1.138.
Fizran, Rahmat, Mohamad Andri Ibrahim, and Intan Manggala Wijayanti. “Analisis Hukum Terhadap Putusan Nomor 6234/Pdt.G/2020/Pa. Badg Akibat Wanprestasi Nasabah Pada Pembiayaan Murābaḥah.” Bandung Conference Series: Sharia Economic Law 3, no. 1 (2023). https://doi.org/10.29313/bcssel.v3i1.5348.
Fuady, Munir. Konsep Hukum Perdata, Jakarta: Rajawali Pers, 2014.
Ghozali, Mohammad, Devid Frastiawan Amir Sup, Ika Prastyaningsih, and Hasanuddin Yusuf Adan. “The Law Concept of Sharia Banking Compliance on Murabaha Financing in Indonesia.” Samarah: Jurnal Hukum Keluarga Dan Hukum Islam 8, no. 3 (August 24, 2024): 1391–1408. https://doi.org/10.22373/sjhk.v8i3.11313.
Herwastoeti. “Resistance Against Cancellation of Auction Execution on Mortgage Rights Guarantee.” KnE Social Sciences, 2024. https://doi.org/10.18502/kss.v8i21.14811.
Hidayah, Nur, Moch Bukhori Muslim, and Abdul Azis. “Jaminan Fidusia Dalam Pembiayaan Murābaḥah: Antara Jual Beli dan Hutang Piutang.” Al-Manahij: Jurnal Kajian Hukum Islam 15, no. 2 (2021). https://doi.org/10.24090/mnh.v15i2.5243.
Hidayah, Nur, Abdul Azis, Tira Mutiara, and Diah Larasati. “Sharia Banking Disputes Settlement: Analysis of Religious Court Decisions in Indonesia.” Al-Risalah: Forum Kajian Hukum Dan Sosial Kemasyarakatan 23, no. 1 (June 27, 2023): 75–92. https://doi.org/10.30631/alrisalah.v23i1.1347.
Husein Ahmadi, Muh, Gusti Ayu Ketut Rachmi Handayani, and Lego Karjoko. “Validity of Mortgage Rights Based on Credit Agreement Aspects.” KnE Social Sciences, 2022. https://doi.org/10.18502/kss.v7i15.12141.
Imron, A. K., & Imanullah, M. N. “Pembebanan Hak Tanggungan Terhadap Objek Tanah Yang Belum Terdaftar Bersamaan Permohonan Pendaftaran Tanah Pertama Kali.” Jurnal Repertorium, no. 4 (2017).
Iryawanto, Jefri. “Pelaksanaan Roya Hak Tanggungan Terhadap Bank Syari’ah Yang Dimerger Menjadi Bank Syariah Indonesia (Studi Di Kantor Pertanahan Kota Malang).” Tesis, Universitas Islam Malang, 2022.
Jamilah, Siti, Endang Purwaningsih, and Chandra Yusuf. “Pembebanan Jaminan Hak Tanggungan Pada Akad Murābaḥah.” Adil: Jurnal Hukum 12, no. 1 (2021). https://doi.org/10.33476/ajl.v12i1.1915.
Jayanti, Offi, and Agung Darmawan. “Pelaksanaan Lelang Tanah Jaminan Yang Terikat Hak Tanggungan.” Kanun Jurnal Ilmu Hukum 20, no. 3 (2018). https://doi.org/10.24815/kanun.v20i3.11830.
Jha, Gautam Kumar, Ni Komang Arini Styawati, and I Nyoman Sumardika. “Encumbrance of Mortgage Rights on Uncertified Land.” Sociological Jurisprudence Journal 5, no. 1 (2022). https://doi.org/10.22225/scj.5.1.2022.56-60.
Lukman, Mochammad, and Gunarto Gunarto. “The Role of Notary In The Implementation Of Credit Agreement And The Default Settlement With Mortgage Right Warranty (A Study At Bank In Pekalongan).” Jurnal Akta 5, no. 2 (2018). https://doi.org/10.30659/akta.v5i2.3128.
Maizal Walfajri. “Pembiayaan Bank Syariah Bertumbuh.” Business Insight, no. 90855 (2022).
Muflihatin, Muflihatin, and Nursamsi Nursamsi. “Analisis Sistem Bagi Hasil Dengan Prinsip Wakalah Wal Murābaḥah Pada Pembiayaan Di Pt. Btpn Syariah Kedungpring.” Jurnal Manajemen Dan Akuntansi Medan 4, no. 1 (2022). https://doi.org/10.47709/jumansi.v4i1.2249.
Muhtarom, Anis. “Implementasi Akad Murābaḥah Pada Produk Pembiayaan Kredit Pemilikan Rumah (KPR) Di Bank Syariah Mandiri KC Bojonegoro Menurut Hukum Ekonomi Syariah.” Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah 3, no. 1 (2019). https://doi.org/10.30651/justeko.v3i1.2960.
Naendhy, and Lilla Fadhilah. “Pembiayaan Bank Syariah.” Jurnal Munich Personal RePEc Archive, no. 90855 (2018).
Nasution, Khaidir, Ahmad Fauzi, and Ramlan Ramlan. “Perspektif Hukum Pembebanan Hak Tanggungan Atas Sertifikat Hak Milik Satuan Rumah Susun Sebagai Jaminan Kredit Perbankan.” Doktrina: Journal of Law 5, no. 2 (2022). https://doi.org/10.31289/doktrina.v5i2.7439.
Ningsih, Ayup. “Kajian Yuridis Efektifitas Penyelesaian Kredit Macet Melalui Lelang Hak Tanggungan.” Arena Hukum 14, no. 3 (2021). https://doi.org/10.21776/ub.arenahukum.2021.01403.7.
Ningsih, Ayup Suran. “Legal Review of Financial Technology Peer-to-Peer Lending Based on Indonesian Collateral Law Perspective.” Substantive Justice International Journal of Law 3, no. 2 (2020). https://doi.org/10.33096/substantivejustice.v3i2.73.
Ningsih, Ayup Suran, and Hari Sutra Dise. “Breach of Contract: An Indonesian Experience in Credit Akad of Sharia Banking.” Ijtihad: Jurnal Wacana Hukum Islam Dan Kemanusiaan 19, no. 1 (2019). https://doi.org/10.18326/ijtihad.v19i1.89-102.
Nofialdi, Nofialdi. “Doktrin dan Hukum Ekonomi Islam.” El -Hekam 5, no. 2 (2020). https://doi.org/10.31958/jeh.v5i2.2662.
Noor, Afif, and Bagas Heradhyaksa. “Execution Mechanism of Mortgage Rights Using Executorial Title in Sharia Banking Is Whose Authority?” Diponegoro Law Review 5, no. 2 (2020). https://doi.org/10.14710/dilrev.5.2.2020.245-259.
Nur Asmidah Nasution, and Dikko Ammar. “Tinjauan Yuridis Terhadap Pengaruh Penerapan Hak Tanggungan Terhadap Lembaga Jaminan Hak Atas Tanah.” Jurnal Smart Hukum (JSH) 1, no. 2 (2023). https://doi.org/10.55299/jsh.v1i2.288.
Nurrobbi, Hilman Akbar, Ramdan Fawzi, and Panji Adam. “Analisis Putusan Perkara Sengketa Ekonomi Syariah Nomor 0124/Pdt.G/2017/ PTA.Bdg Tentang Wanprestasi Akad Pembiayaan Murābaḥah Nomor: TSM/024/2014 Atas Lelang Eksekusi Terhadap Objek Hak Tanggungan.” Prosiding Hukum Ekonomi Syariah, 2020. https://doi.org/10.29313/syariah.v0i0.19336.
Nursakti, Sawitri Putri. “Jaminan Hak Tanggungan Pada Produk Pembiayaan Murābaḥah Dan Musyarakah Di Bank Muamalat Indonesia.” DiH: Jurnal Ilmu Hukum, 2018. https://doi.org/10.30996/dih.v0i0.1596.
Nurul Musjtari, Dewi. “Rekonstruksi Lembaga Penyelesaian Sengketa Akad Pembiayaan Dengan Jaminan Hak Tanggungan Pasca Putusan Mahkamah Konstitusi Nomor 93/PUU-X/2012.” Jurnal Media Hukum 23, no. 1 (2016). https://doi.org/10.18196/jmh.2015.0068.62-75.
Pakpakhan, Mara rinaldi, M. Yarham, and Ridwana Siregar. “Hukum Perbankan Syariah Dan Implementasinya Di Indonesia.” Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah 8, no. 3 (October 18, 2023). https://doi.org/10.30651/jms.v8i3.20431.
Partanto, Pius A, and M Dahlan Al Barry. Kamus Ilmiah Populer. Surabaya: Arkola, 2010.
Prasetyawati, Niken, and Tony Hanoraga. “Jaminan Kebendaan dan Jaminan Perorangan Sebagai Upaya Perlindungan Hukum Bagi Pemilik Piutang.” Jurnal Sosial Humaniora 8, no. 1 (2015). https://doi.org/10.12962/j24433527.v8i1.1247.
Pratama, Wahyu. “Tinjauan Hukum Tentang Sertifikat Hak Tanggungan Menurut Undang-Undang Nomor 4 Tahun 1996.” Legal Opinion 13 (2020).
Rahman, Ahmad Fatur, and Hadi Daeng Mapuna. “Tanggung Jawab Pegadaian Syariah Atas Hilang Atau Rusaknya Barang Jaminan Dalam Presfektif Hukum Islam.” Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syari’ah 2, no. 1 (2020). https://doi.org/10.24252/iqtishaduna.v2i1.16207.
Rahman, Alfian Izzat El. “Eksekusi Hak Tanggungan Dalam Prinsip Ekonomi Syari’ah.” Lan Tabur: Jurnal Ekonomi Syariah 1, no. 1 (2019). https://doi.org/10.53515/lantabur.2019.1.1.44-59.
Rizalni Kurniawan, Aan, Faisal Santiago, and Evita Isretno Israhadi. “Legal Consequences of Bankruptcy for Creditors Holding Mortgage Rights and Execution Parate.” Jurnal Indonesia Sosial Sains 4, no. 06 (2023). https://doi.org/10.59141/jiss.v4i06.817.
Robiyantoko, Joesoef Shidqi Marsa, Hartini, Nur Yaumil Hikmah, and Irfan Aziz Al Firdaus. “Analysis on the Adjusting Practice of Mortgage Rights Granting Deed Clause on Sharia Financing by Land Deed Officials in Purwokerto City.” Environment-Behaviour Proceedings Journal 7, no. SI11 (2022). https://doi.org/10.21834/ebpj.v7isi11.4173.
Santoso, Lukman, and Zumrotul Ainiah. “Implikasi Asas Itikad Baik Dalam Akad Murabahah Di Perbankan Syariah.” An-Nisbah: Jurnal Ekonomi Syariah 4, no. 2 (2018). https://doi.org/10.21274/an.2018.4.2.73-98.
Shandy Utama, Andrew. “Perkembangan Perbankan Syariah di Indonesia.” UNES Law Review 2, no. 3 (2020). https://doi.org/10.31933/unesrev.v2i3.121.
Soetansah, Ilham, Joni Emirzon, and Annalisa Yahanan. “Problems of Justice in Legal Protection Efforts against Banks as Separatist Creditors Related to Execution of Collateral Tied with Mortgage Rights on Bankrupt Debtor’s Assets.” SASI 28, no. 3 (2022). https://doi.org/10.47268/sasi.v28i3.1028.
Sudirman, Sudirman. “Harmonisasi Akad Pembiayaan Syariah Terhadap Jaminan Hak Tanggungan.” Media Iuris 6, no. 1 (2023). https://doi.org/10.20473/mi.v6i1.40113.
Sunarti, Andi, Yuhelson Yuhelson, and Erny Kencanawati. “Eksistensi Putusan Basyarnas Dalam Eksekusi Hak Tanggungan Terhadap Sengketa Perbankan Syariah.” Journal of Legal Research 4, no. 6 (2022). https://doi.org/10.15408/jlr.v4i6.29099.
Supriyadi, Ahmad. “Implementation Reconstruction of Sharing Profit and Losses in Murabahah Financing in Sharia Bank Indonesia Based on Islamic Justice Perspective.” Jurnal Pembaharuan Hukum 4, no. 3 (December 15, 2017): 324–32. https://doi.org/10.26532/jph.v4i3.2328.
Surachman, Nur Fitriayu. “Kajian Pembuatan Akta Jual Beli Dari PPATS Sebelum dan Sesudah Perkaban No. 8 Tahun 2012.” Otentik’s : Jurnal Hukum Kenotariatan 4, no. 1 (2022). https://doi.org/10.35814/otentik.v4i1.3345.
Suryani, Suryani, Yudi Ahmad Faisal, Muhammad Anwar Fathoni, and Lukman Santoso. “Good Corporate Governance (GCG) Principle In Sharia Banking: An Islamic Law Perspective.” International Journal of Law Reconstruction 5, no. 2 (September 18, 2021): 242–54. https://doi.org/10.26532/ijlr.v5i2.14973.
Vinola, Viky, Syahruddin Nawi, and Ahyuni Yunus. “Upaya Penyelesaian Kredit Macet Dengan Jaminan Hak Tanggungan Pada Bank Perkreditan Rakyat Syariah.” Journal of Lex Generalis (JLS) 3, no. 3 (2022).
Wafa, Moh. Ali. “Hukum Perbankan Dalam Sistem Operasional Bank Konvensional Dan Bank Syariah.” Kordinat: Jurnal Komunikasi Antar Perguruan Tinggi Agama Islam 16, no. 2 (2017). https://doi.org/10.15408/kordinat.v16i2.6441.
Yusmalinda, Yusmalinda, Asmuni Asmuni, and Dhiauddin Tanjung. “Problems of Mudharabah Financing in Islamic Banking After the Implementation of Qanun of Islamic Financial Institutions in Aceh.” Justicia Islamica 19, no. 1 (June 20, 2022): 1–20. https://doi.org/10.21154/justicia.v19i1.3009.
Law No. 21 of 2008 Concerning Sharia Banking.
Copyright (c) 2024 Ayup Suran Ningsih, Rini Fidiyani, Harumsari Puspa Wardhani
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Requirements to be met by the author as follows:
- Author storing copyright and grant the journal right of first publication manuscripts simultaneously with licensed under the CC BY-SA allows others to share the work with a statement of the work's authorship and initial publication in this journal.
Authors can enter into the preparation of additional contractual separately for the non-exclusive distribution of a decadent version of the journal issue (e.g., post it to an institutional repository or publish it in a book), with the recognition of initial publication in this journal.
Authors are allowed and encouraged to post their work online (e.g., in institutional repositories or on their website) before and during the submission process because it can lead to productive exchanges and citations earlier and more severe than published works. (see The Effect of Open Access).
This work is licensed under CC BY-SA.
.png)
