Sharia Banking Disputes Settlement: Analysis of Religious Court Decisions in Indonesia

Authors

  • Nur Hidayah UIN Syarif Hidayatullah Jakarta
  • Abdul Azis Universitas Islam Negeri Syarif Hidayatullah Jakarta
  • Tira Mutiara Universitas Islam Negeri Syarif Hidayatullah Jakarta
  • Diah Larasati Universitas Islam Negeri Syarif Hidayatullah Jakarta

DOI:

https://doi.org/10.30631/alrisalah.v23i1.1347

Keywords:

Sharia Banking Disputes, PLS, non-PLS, Musyarakah, Murabahah, Stakeholders

Abstract

This study aims to analyze Sharia banking dispute settlements in Religious Courts regarding Sharia compliance and state regulations. The data is collected from the Supreme Court of the Republic of Indonesia website on Profit Sharing (PLS) financing, musyarakah, and non-profit Sharing (non-PLS) financing, murabahah. It is legal empirical research with a comparative approach. The results of this study indicate that Sharia banking disputes occur partly because there are still legal loopholes due to the general nature of the existing rules leading to multiple interpretations. The disputes are contributed mainly by default and unlawful acts. There are differences in the judge's decisions in the two case studies related to the fulfillment of legal principles in the form of benefits, justice, and legal certainty in the decisions made. Regarding the suitability of the contract, in the murabahah case, the pillars and conditions have been fulfilled, but there are other things that damage the contract. There has been an urgent need to strengthen regulations related to more detailed financing contracts. The regulators should promote an Islamic banking regulatory framework that guarantees legal certainty for both parties, the customers and Islamic financial institutions, as well as provide a stronger legal basis for dispute settlements.

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References

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Published

2023-06-27

How to Cite

Hidayah, N., Azis, A. ., Mutiara, T. ., & Larasati, D. . (2023). Sharia Banking Disputes Settlement: Analysis of Religious Court Decisions in Indonesia. Al-Risalah: Forum Kajian Hukum Dan Sosial Kemasyarakatan, 23(1), 75–92. https://doi.org/10.30631/alrisalah.v23i1.1347

Issue

Vol. 23 No. 1 (2023): June 2023

Section

Articles

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Copyright (c) 2023 Nur Hidayah, Abdul Azis, Tira Mutiara, Diah Larasati

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