Keywords
Fiduciary
islamic criminal law
How to Cite
Abstract
Islam as a religion that leads to salvation has discussed muamalah issues which are expected to be a guide for mankind. Consumer financing in installments with fiduciary agreements is currently the people's favorite. However, it causes many problems, namely criminal threats in the event of misappropriation of collateral. This study will explain the views of Islamic criminal law regarding fiduciary engagement in consumer financing and the legal sanctions regarding misappropriation of collateral in the context of Decision No. 509/Pid.Sus/2021/PN.Jmb. This type of study is normative legal research with a conceptual approach. Sources of data used were obtained from scientific journals, laws and regulations, fatwas of scholars, and books. The results of this study indicate that in this decision, the defendant was guilty of diverting fiduciary collateral items without the approval of the financing institution as the recipient of the guarantee and was sentenced to 1 year in prison and a fine of 50 million IDR and collateral items were handed over to the financing institution for execution. The analysis of Islamic criminal law in this case is that the defendant's actions are convincingly included in the “ghulul,” namely the crime act of diverting objects under his control even though the rights of other people are involved and are threatened with “ta’zir.”
References
Journals
Admiral. “Aspek Hukum Kontral Leasing dan Kontrak Financing.” Jurnal UIR Law Review, Vol. 02. No. 02 (2018): 148.
Arifin, Mohamad Zaenal. “Ghulul (Pengelapan Harta): Konsep, Sanksi, dan Solusinya dalam Perspektif al-Qur'an." Jurnal Syar'ie, Vol. 1 No. 1 (2019).
Idrus, Muhammad. "Penerapan PSAK No. 30 tentang Akuntansi Leasing Aktiva Tetap pada PT Bumi Sarana Beton." Jurnal Ilmiah BONGAYA, Vol. 01, No. 19 (2016).
Books
Al-Bukhari. Shahih Bukhari. Bairut: Al-Maktabah al-Asriyah, 1997.
Al-Jaizairi, Abu Bakar Jabir. Minhaj al-Muslim (Pedoman Hidup Seorang Muslim). Jakarta, Ummul Qura, 2014.
Al-Shan’ani, Muhammad bin Isma’il al-Amir al-Yamany. Subul al-Salam Syarh Bulugh al-Maram. Mesir: Syirkah Maktabah wa Mathba’ah Musthafa al-Baby al-Halaby wa Awladihi, 1950.
Al-Syathibi. Al-Muwafaqat fi Ushul al-Syari’ah. Cairo: Mushofa Muhammad, t.t.
Al-Zuhaili, Wahbah. Al-Fiqh al-Islami wa Adillatuh. Jakarta: Gema Insani, 2011.
Anis, Ibrahim dkk. Al-Mu'jam al-Wasith. Mesir, Dar al-Ma'rif, 1972.
'Audah, ‘Abd al-Qadir. Al-Tasyri' al-Jina`i al-Islami. Beirut:Muassasah al-Risalah, 1968.
Awaliyah, Syifa. “Analisis Pelaksanaan Akad Pembiayaan Murabahah pada BMT Bersama Kita Berkah dan BMT At-Taqwa Pinang." Skripsi. UIN Syarif Hidayatullah Jakarta, 2018.
Badrulzaman, Mariam Darus. Mencari Kepastian Hukum dalam Hukum Jaminan, Jakarta: Elips Project, 1994.
Dahlan, Abdul Aziz. Ensiklopedia Hukum Islam, Jakarta: Ichtiar Baru van Hoeve, 2006.
Djumhana, Muhammad. Hukum Perbankan di Indonesia. Bandung: Citra Aditya Bakti, 2003.
Hidayat, Enang. Fiqh Jual Beli. Bandung: PT. Remaja Rosdakarya, 2015.
Irfan, M. Nurul. Tindak Pidana Korupsi di Indonesia dalam Perspektif Fiqh Jinayah. Jakarta: Badan litbang dan Diklat Departemen Agama, 2009.
Kalsen, Hans. Teori Hukum dan Negara, Dasar-Dasar Ilmu Hukum Normatif sebagai Ilmu Hukum Deskriptif Empirik. Terj. Somardi dari buku aslinya General Theory of Law and State. Jakarta: BEE Media Indonesia, 2007.
Lamintang, P.A.F. Dasar-Dasar Hukum Pidana Indonesia. Bandung: Citra Aditya Bakti, 1997.
Mardani. Fiqh Ekonomi Syariah: Fiqh Muamalah. Jakarta: Kencana, 2013.
Muhammad. Aspek Hukum dalam Muamalat. Yogyakarta, Graha Ilmu, 2007.
Muslich, Ahmad Wardi. Pengantar dan Asas Hukum Pidana Islam (Fiqh Jinayah). Jakarta: Sinar Grafika, 2004.
Rivai, Veithzal. Islamic Marketing. Jakarta: PT. Gramedia Pustaka Utama, 2012.
Sabiq, Sayyid. Fiqh Sunnah. Terj. Kamaluddin. Bandung: PT. Ma'rif, 1995.
Shihab, Quraish. Tafsir al-Mishbah (Pesan, Kesan dan Keserasian al-Qur`an), Vol. 3. Jakarta: Lentera Hati, 2007. Cet. ke-8.
Sjahdeini, Sutan Remy. Perbankan Syariah Produk-Produk dan Aspek Hukumnya. Jakarta: Kencana Prenada Media, 2014.
Soekanto, Soerjono. Pengantar Penelitian Hukum. Jakarta: Universitas Indonesia, 1986.
Subagiyo, Dwi Tatak. Hukum Jaminan dalam Perspektif Undang-Undang Jaminan Fidusia. Surabaya: Universitas Wijaya Kususma Press, 2018.
Sugiyono. Metode Penelitian Kuantitatif, Kualitatif, dan R & D. Bandung: CV. Alfabeta, 2018.
Sumaryo. Hukum Lembaga Pembiayaan. Jakarta: Sinar Grafika, 2008.
Tunggal, Amin Widjaja dan Arif Djohan Tunggal. Aspek Yuridis dalam Leasing. Jakarta: Rineka Cipta, 1994.
Yanggo, Chuzaimah T. dan A. Hafiz Anshory. Problematika Hukum Islam Kontemporer III. Jakarta: Pustaka Firdaus, 2004.
Laws
Fatwa Dewan Syariah Nasional MUI No. 68/DSN-MUI/III 2008 tentang Rahn Tasjily.
Fatwa DSN-MUI No. 04 Tahun 2000 tentang Murabahah.
Keputusan Menteri Keuangan RI No. 1169/KMK/01/1991 tentang Kegiatan Sewa Guna Usaha (leasing)
Peraturan Presiden No. 9 Tahun 2009 tentang Lembaga Pembiayaan.
Statsblad No. 23 Tahun 1847 tentang Kitab Undang-Undang Hukum Perdata (Burgerlijk Wetboek voor Indonesie).
Undang-Undang RI No. 1 Tahun 2023 tentang Kitab Undang-Undang Hukum Pidana.
Undang-Undang RI No. 21 Tahun 2008 tentang Perbankan Syariah.
Undang-Undang RI Nomor 42 Tahun 1999 tentang Jaminan Fidusia.
Websites
Direktori Putusan Mahkamah Agung Indonesia. “Putusan PN Jambi 509/PID.SUS/2021/PN JMB.” https://putusan3.mahkamahagung.go.id/direktori/putusan/zaec511c25fafbe2af63323035363237.html.
Otoritas Jasa Keuangan RI. “Pembiayaan Konsumen: Consumer Finance.” https://sikapiuangmu.ojk.go.id.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Copyright (c) 2023 Febrian Batubara, Hermanto Harun, Ahmad Nazori, Samsul Hadi J, Retno Kusuma Wardani, M. Yusuf