Urgency Of The Application Of Sharia Guarantee In Islamic Banking In Indonesia

Syaugi Seff, Muhammad Syarif Hidayatullah

Abstract


 

Abstrak: Undang-undang Nomor 10 Tahun 1998 tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan dan Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah telah mengamanatkan agar bank syariah selalu mengacu pada perjanjian kehati-hatian dalam berbagai kegiatan usaha, termasuk dalam pembiayaan operasional dengan pengadaan barang jaminan (collateral). Lembaga Penjaminan yang berlaku pada bank syariah adalah Lembaga Penjaminan yang juga digunakan pada bank konvensional. Idealnya, praktik Jaminan Syariah harus dipertanggungjawabkan dengan jaminan syariah dengan instrumen Rahn berdasarkan prinsip syariah yang berjalan secara kaffah dalam operasional perbankan syariah. Namun hal ini terkendala dengan belum adanya hukum positif tentang Penguatan yang mendukung Jaminan Syariah. Berdasarkan permasalahan di atas, penelitian ini mengusulkan untuk melihat penerapan hukum penjaminan di perbankan syariah dan permasalahan hukum yang muncul terkait penerapan agunan pada perbankan syariah terkait kanon Barat, dan tawaran kebutuhan akan keamanan syariah yang didasarkan pada hukum Islam. Temuan penelitian ini adalah: pertama: Peraturan hukum lembaga perasuransian dalam operasional perbankan syariah masih dalam payung hukum bagi lembaga penjaminan dengan sistem perkreditan perbankan konvensional yang sesuai dengan undang-undang ini, tidak semua ketentuan prosedural dirancang khusus untuk keuangan. kepentingan bank syariah bertentangan dengan prinsip hukum perbankan syariah. Kedua; Lembaga Penjaminan yang diterapkan dalam perbankan syariah adalah gadai, hipotek, hipotek, fidusia dan jaminan resi gudang dalam perspektif hukum ekonomi Islam terkait dengan semua yang termasuk dalam kategori akad rahn yang berkaitan dengan penjaminan harta, hanya saja rahn yang digunakan lebih banyak. bersifat universal dan didukung, karena lembaga Pengamanan dibedakan satu sama lain berdasarkan jenis bendanya baik benda bergerak maupun benda tidak bergerak (tetap) dan bentuk benda yang dijamin.

Kata Kunci: Aplikasi; Syariah; Urgensi; Menjamin; Perbankan Islam

 

  

Abstract: Law No. 10 of 1998 concerning Amendments to Law No. 7 of 1992 concerning Banking and Law No. 21 of 2008 concerning Sharia Banking has mandated that Islamic banks always refer to prudential agreements in various business activities, including in operational financing with the procurement of collateral (collateral) goods. The Guarantee Institution that applies to Islamic banks is the Guarantee Agency that also uses in conventional banks. Ideally, the practice of Sharia Guarantees must be accounted for by sharia guarantees with Rahn instruments based on sharia principles running in kaffah in sharia banking operations. But this is constrained by the absence of a positive law concerning Strengthening that supports Islamic Guarantee. Based on the above problems, this study proposes to look at the application of guarantee law in Islamic banking and legal issues that arise related to the implementation of collateral in Islamic banking related to the Western canon, and the offer of the need for sharia security that is based on Islamic law. The findings of this research are: first: The legal regulations of insurance institutions in Islamic banking operations are still under legal umbrella for security institutions with conventional banking credit systems that are in accordance with this law, not all of the procedural provisions specifically designed for financial interests in Islamic banks conflict with Islamic banking law principles. Second; Guarantee Institutions that are applied in Islamic banking are liens, mortgages, mortgages, fiduciary and warehouse receipt guarantees in the perspective of Islamic economic law related to all those included in the rahn contract category relating to the guarantee of property, only that rahn is used more universally and is supported, as the Securing institutions are distinguished from each other based on the type of object both movable and immovable (fixed) objects and the shape of the objects guaranteed.

Keywords: Application; Sharia; Urgency; Guarantee; Islamic Banking


Keywords


Application; Sharia; Urgency; Guarantee; Islamic Banking

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References


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DOI: http://dx.doi.org/10.18592/sjhp.v20i2.6838

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