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HAMBATAN HUKUM PERBANKAN SYARIAH DI INDONESIA (SUATU TINJAUAN KRITIS TERHADAP UNDANG-UNDANG NO.21 TAHUN 2008 TENTANG PERBANKAN SYARIAH)

Authors

  • Rizali Muhammad

DOI:

https://doi.org/10.18592/jils.v6i2.7941

Abstract

Abstrak: Ditetapkannya Undang-Undang No. 21 tahun 2008 tentang Perbankan Syariah semakin memperkokoh eksistensi perbankan syariah di Indonesia yang walaupun oleh beberapa kalangan pembentukan undang-undang tersebut dinilai yang terlambat dalam merespon perkembangan bank syariah yang sudah dimulai sejak tahun 1992. Dalam penelitian ini kajian berpusat pada Undang-undang No.21 tahun 2008 tentang Perbankan Syariah sebagai dasar regulasi operasional perbankan syariah di Indonesia. Setidaknya ada tiga hal yang masih perlu ditinjau secara kritis yakni akad qardh, hubungan hukum antara nasabah dan bank syariah, serta kewenangan penyelesaian sengketa. Penelitian ini merupakan penelitian hukum yang menggunakan pendekatan undang-undang (statute approach) yang berdasarkan pada bahan hukum primer dan sekunder dengan analisis yang bersifat kualitatif. Penelitian ini melihat adanya konsep pembiayaan berdasarkan akad qardh yang belum spesifik dijelaskan, dasar hubungan hukum antara nasabah dan bank syariah, serta kewenangan penyelesaian sengketa yang berpotensi memunculkan pertentangan antara Pengadilan Agama dan Pengadilan Umum.Abstract: Islamic Banking Act No. 21 of 2008 which had been implemented increasingly strengthened its existence in Indonesia, although a cohort of people regarded that the formation was late on responding islamic banking development which had been started since 1992. This research focused on Islamic Banking Act No. 21 of 2008 as basic operational regulation of Islamic banking in Indonesia. Three cases which still should be reviewed critically was akad gardh (loan agreement), linkages of customer and Islamic bank, and dispute resolution authority. This research was law research which used statute approach based on primary and sekunder law material along with qualitative analysis. This research found out that finance concept based on akad gardh have not been explained specifically, basic relation between costumer and Islamic bank, and dispute resolution authority potentially brings up contradiction between religious and general courts

References

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Undang-undang

Undang-Undang No. 3 tahun 2006 tentang Peradilan Agama

Undang-Undang No. 21 tahun 2008 tentang Perbankan Syariah

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Published

2022-12-23

Versions

Issue

Vol. 6 No. 2 (2022)

Section

Articles

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