MENGONTROL MORAL HAZARD NASABAH MELALUI INSTRUMEN TA’ZIR DAN TA’WIDH

Firman Wahyudi

Abstract


Ta'zir and Ta'widh are the two preventive instruments that are born to anticipate moral hazard by the customer against the contract agreement made with the banking. Ta'zir represents a number of penalties stipulated at the start of the contract, definite and designated as a social fund. While Ta'widh in the form of compensation set by the bank, not specified at the beginning of the contract but calculated based on the instantaneous losses experienced by banks and these funds entered as a fee and income bank. Ta'zir provisions get legal legality based on fatwa number 17/DSN-MUI/IX/2000 while Ta'widh based on fatwa number 43/ DSN-MUI/VIII/2004. Both of these instruments aim to discipline customers in order to meet the promised achievements. However, when customers experience a state of overmatch (Force Majoer) these two instruments can not be applied because it is contrary to the principle of Masyaqqat contained in Islamic law.

Keywords


Moral Hazard; Ta'zir; Ta'widh and Overmatch

Full Text:

PDF

References


Amir Syarifuddin, Garis-Garis Besar Fiqh, Cet. I, Bogor : Prenada Media, 2003

A.Djazuli, Kaidah-Kaidah Fikih, Jakarta: Kencana, 2010

R. Subekti, Hukum Perjanjian, Jakarta, PT. Intermassa 1979

Mahsun Fuad, Hukum Islam Indonesia : dari nalar partisipatoris hingga emansipatoris, Yogyakarta, PT. LkiS Pelangi Aksara : 2005

Rahmat S.S. Soemadipradja, Penjelasan Hukum tentang Keadaan Memaksa, Jakarta: Gramedia, 2010

Prodjodikoro, Wirjono. 1990. Azas-Azas Hukum Perdata. Bandung: PT. Bale Bandung

Sunan At-Tirmizi, Juz III, Beirut: Dar Al-Garbi Al-Islami, 1998

Sunan An- Nasai, Juz III, Beirut: Dar Al-Garbi Al-Islami, 1998

Wahbah Az- Zuhaili, Fiqh al-islam wa adillatuhu, jilid V, Cet. X, Damaskus, Dar al-fikr, 2007.

Ani Fitriyani, Pengaruh Pengenaan Ta’zir Terhadap Tingkat NPF, Skripsi S.1 Fakultas Syariah dan Hukum, Universitas Islam Syarif Hidayatullah, Jakarta 2012.

Tim Kashiko, Kamus Lengkap Arab Indonesia, (Surabaya: Kashiko, 2000)

Undang Undang Nomor 23 Tahun 1999 Tentang Bank Indonesia

Kitab Undang-Undang Hukum Perdata

Kompilasi Hukum Ekonomi Syariah

Kumpulan Fatwa Dewan Syariah Nasional

Peraturan Bank Indonesia Nomor 7/2/PBI/2005

http://kompas.com

http://www.kompasiana.com/ tenderwatch/

http://abdullahmuchtar.blogspot.co.id/2015 /ta’widh-ganti-rugi-pembelajaran-bagi-nasabah-nakal.html

http: //ikaatikah1987. blogspot.com/2010/04/kedudukan-bank-syariah-dalam-sistem.html

http://www.kompasiana.com/ tenderwatch/ sistem-ekonomi islam _55007c14a33311a96f51146c




DOI: http://dx.doi.org/10.18592/al-banjari.v16i2.1357

Refbacks

  • There are currently no refbacks.


Copyright (c) 2017 Al-Banjari : Jurnal Ilmiah Ilmu-Ilmu Keislaman

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Al-Banjari Journal Indexed By :

 
 Social Media :
 

Creative Commons License
Al-Banjari : Jurnal Ilmiah Ilmu-Ilmu Keislaman ISSN Printed (1412-9507) - ISSN Online (2527-6778) licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.