scholarly journals PENGATURAN BISNIS PINJAMAN SECARA ONLINE ATAU FINTECH MENURUT HUKUM POSITIF DI INDONESIA

GANEC SWARA ◽  
2020 ◽  
Vol 14 (1) ◽  
pp. 464
Author(s):  
ARI RAHMAD HAKIM BF ◽  
I GUSTI AGUNG WISUDAWAN ◽  
YUDI SETIAWAN
Keyword(s):  
Financial Services ◽  
Task Force ◽  
Conceptual Approach ◽  
Supervision System ◽  
Positive Law ◽  
Board Of Governors ◽  
Legal Structures ◽  
Qualitative Descriptive ◽  
Materials Used

Online credit lending or referred to as “Fintech” is now developing in Indonesian society and is considered as a solution to get loans without collateral for consumptive purposes. The development of Fintech certainly requires supervision by the Financial Services Authority (OJK). This research is a normative research with a statutory approach, conceptual approach, and case approach. This study also uses primary, secondary , and tertiary legal materials. The technique of collecting legal materials used in this research is the study of legal documentation, then analyzed in a qualitative descriptive manner. The results show that: 1). Online credit loan or fintech business arrangements according to positive law in Indonesia are regulated by Bank Indonesia Regulation, No 18/40 / PBI / 2016 and No 19/12 / PBI / 2017, Member of the Board of Governors Regulation No. 19/14 / PADG / 2017 and No 19/15 / PADG / 2017. 2), the form of supervision carried out by the Financial Services Authority (OJK) of the online credit business is an integrated and coordinated supervision system between legal structures such as the Police, BI. OJK, and Investment Alert Task Force

scholarly journals OPTIMASI PENGAWASAN OLEH OTORITAS JASA KEUANGAN DI BIDANG PASAR MODAL MENURUT HUKUM POSITIF DI INDONESIA

GANEC SWARA ◽  
2021 ◽  
Vol 15 (1) ◽  
pp. 798
Author(s):  
I GUSTI AGUNG WISUDAWAN ◽  
BUDI SUTRISNO ◽  
DIMAN ADE MULADA
Keyword(s):  
Capital Market ◽  
Financial Services ◽  
Analytical Approach ◽  
Descriptive Analysis ◽  
Conceptual Approach ◽  
Market Sector ◽  
Positive Law ◽  
Qualitative Descriptive ◽  
Legal Subjects ◽  
The Capital Market

      The development of the capital market in Indonesia has increased from time to time but this development is not without obstacles. The obstacle that often arises is the occurrence of fraudulent practices in the capital market involving legal subjects in the capital market itself. Therefore, it is necessary to optimize supervision by the OJK in the Capital Market sector to minimize this fraudulent practice. The type of research used in this research is Normative Research with a statutory approach (Statute Approach), Conceptual Approach (Conceptual Approach), Case Approach (Case Approach), and Analysis Approach (Analytical Approach). This study also uses legal materials which consist of primary legal materials, namely legal materials in the form of Law No. 8 of 1995 concerning the Capital Market and OJK laws and regulations, secondary legal materials, namely literature related to the issues raised in this study and materials. Tertiary Law consists of a legal dictionary and encyclopedia. Legal material collection techniques used in this research is a Documentation Study with Legal Material Analysis, namely Qualitative Descriptive Analysis.       The results of this study are Optimization of Supervision by the Financial Services Authority in the Capital Market according to positive law in Indonesia, namely Revising Law No. 8 of 1995 concerning Capital Markets. Revised Law Number 21 the Year 2011 concerning the Financial Services Authority. The supervisory mechanism carried out by the OJK is to use a system of supervisory tools and supervisory action covering various checks such as securities transactions, securities agency compliance, investment management compliance, issuer compliance, and professional and supporting institutions compliance

scholarly journals Penipuan Dalam Jual Beli Online: Perspektif Hukum Telematika

2021 ◽  
Vol 1 (1) ◽  
pp. 41
Author(s):  
Muhammad Kamran ◽  
Maskun Maskun
Keyword(s):  
High Risk ◽  
Theoretical Approach ◽  
Analytical Approach ◽  
Legal Research ◽  
Conceptual Approach ◽  
Positive Law ◽  
Electronic Transactions ◽  
Legal Consequence ◽  
Materials Used ◽  
Online Buying

Introductioan: The current proliferation of online buying and selling is also followed by the high risk of online fraud.Purposes of the Research: Know and understand the legal effects of fraud in online buying and selling agreements in the Indonesian positive law.Methods of the Research: This research is a normative legal research. It applied some approaches such as a statutory approach, a case approach, a conceptual approach, an analytical approach, and a theoretical approach. The legal materials used were qualified as a primary, secondary, and tertiary legal materials. They were then analysed with qualitatively with deductive and inductive methods.Results of the Research: The legal consequence of fraud in online buying and selling agreements in the Indonesian positive law creates responsibility for consumer losses in electronic transactions as regulated by those regulations. For losses of the consumer, the person, who due to his/her fault published the loss, should compensate the loss.

PENEGAKAN HUKUM TINDAK PIDANA PUNGUTAN LIAR YANG DILAKUKAN DESA ADAT DITINJAU DARI PERSPEKTIF HUKUM PROGRESIF

2020 ◽  
Vol 17 (1) ◽  
pp. 86-95
Author(s):  
Ni Luh Sri Mahendra Dewi
Keyword(s):  
Law Enforcement ◽  
Task Force ◽  
Law Enforcement Officers ◽  
Conceptual Approach ◽  
Enforcement Action ◽  
Procedural Law ◽  
Construction Techniques ◽  
Illegal Acts ◽  
Substantive Justice ◽  
Materials Used

Since the issuance of Presidential Regulation No. 87 of 2016 concerning the Clean Sweep Task Force (Satgas Saber Pungli), several times law enforcement officers have arrested the officers of the Adat Village who have levied in their territories. These levies are carried out based on the awig-awig and/perarem applicable in the Customary Village, but in the perspective of the Pungli Saber Task Force, these levies are qualified as criminal acts of illegal levies. The law enforcement action creates unrest and raises polemics within the community, so it is important to be investigated. This study aims to identify and analyze two problems, namely (1) regarding the efforts made by law enforcers on acts of illegal fees carried out by Adat Village; and (2) the need for progressive law enforcement against illegal acts of crime committed by Desa Adat. The above problems were examined using normative legal research methods, with a legal approach and conceptual approach. The materials used in this study include legal materials (primary legal materials and secondary legal materials) and non-legal materials, which are collected through literature search techniques in libraries and the internet. The materials that have been found are then read and recorded. After the relevant research materials are collected, they are then processed and analyzed by reasoning techniques and legal arguments, such as legal construction techniques and legal interpretation. The overall results and discussion of this study are presented descriptively. The results of the study show the following conclusions. First, the legal efforts taken by law enforcers against illegal acts of crime committed by Desa Adat are to enforce procedural law with an orientation that emphasizes the provision that anyone who levies outside the statutory provisions qualifies as illegal levies, so that it must be processed law. Second, law enforcers need to implement progressive law enforcement in dealing with illegal acts of crime committed by Desa Adat in order to provide substantive justice to the Desa Adat who carry out levies based on the adat village perarem. Keywords: Customary Village, Illegal Levies, Progressive Law Enforcement.

scholarly journals Perlindungan Hukum Bagi Konsumen oleh Otoritas Jasa Keuangan (OJK) Terhadap Kegiatan Investasi Ilegal yang Dilakukan oleh Investor

2021 ◽  
Vol 2 (3) ◽  
pp. 489-494
Author(s):  
I Gusti Ayu Firga Julia ◽  
Anak Agung Sagung Laksmi Dewi ◽  
I Made Minggu Widyantara
Keyword(s):  
Financial Services ◽  
Legal Protection ◽  
The State ◽  
Conceptual Approach ◽  
Recording Technique ◽  
The Public ◽  
Materials Used ◽  
Outreach And Education

The rise of fraud cases and investment offers that are suspected to be illegal have resulted in losses for consumers and the public, so in this case legal protection is needed to minimize illegal investment cases. The purpose of this research is to analyze the role of the financial services authority in anticipating illegal investment activities carried out by investors and a legal protection for consumers by the financial services authorities against illegal investment activities carried out by investors. This research is a normative juridical research with a statutory approach and a conceptual approach. The technique of collecting legal materials used is the recording technique. The legal materials used are primary and secondary legal materials. After the data is collected then the data is analyzed systematically. The results of the research reveal that in the context of legal protection, the Financial Services Authority is given the authority by the State to take steps to prevent consumer and public losses. Efforts are made based on Article 28 of Law No. 21 of 2011 concerning the Financial Services Authority by conducting outreach and education to the public regarding the characteristics of fundraising activities and managing illegal investments and asking the Financial Services Institutions to stop their activities if these activities have the potential to harm the community. The handling carried out by the Financial Services Authority cannot be separated from the support of the public who have submitted reports or complaints.

scholarly journals PENEGAKAN HUKUM MEREK DALAM HUKUM INDONESIA TERHADAP PEMENUHAN KETENTUAN TRIPS- WTO

2021 ◽  
Vol 3 (2) ◽  
pp. 136-151
Author(s):  
Sudjana Sudjana
Keyword(s):  
Law Enforcement ◽  
Legal Culture ◽  
International Agreement ◽  
Conceptual Approach ◽  
Trademark Law ◽  
Minimum Standards ◽  
Positive Law ◽  
Legal Structures ◽  
Approach Method ◽  
Data Analysis Methods

Indonesia needs to apply the TRIPs-WTO Agreement in its national law because it has ratified the International Agreement through Law No. 7 of 1994. Therefore, this study raises issues regarding the application of the provisions of the WTO TRIPs Agreement on Trademarks in Indonesian Positive Law, and the Obstacles to the Indonesian Trademark Law in fulfilling the requirements in law enforcement as stipulated in the TRIPs-WTO agreement. The approach method used is juridical normative or doctrinal through a statute approach and a conceptual approach. The research was conducted through literature studies to examine primary legal materials, secondary legal materials, and tertiary legal materials as well as data analysis methods carried out through qualitative normative. The results of the study show that the provisions of the TRIPs-WTO Agreement on Trademarks have been applied in Indonesian Positive Law and even exceed the minimum standards required by the International Agreement. The obstacles to the Indonesian Trademark Law to meet the requirements in law enforcement as stipulated in the TRIPs-WTO Agreement include legal substantiations, legal structures and legal culture of society.

scholarly journals PENGATURAN REKSADANA SYARIAH DALAM KONSTRUKSI HUKUM POSITIF DI INDONESIAENGATURAN REKSADANA SYARIAH DALAM KONSTRUKSI HUKUM POSITIF DI INDONESIA

2019 ◽  
Vol 10 (1) ◽  
pp. 17
Author(s):  
Baiq Nur Aini Dwi Suryaningsih
Keyword(s):  
Mutual Funds ◽  
Financial Institutions ◽  
Capital Market ◽  
Financial Services ◽  
Alcoholic Beverage ◽  
Conceptual Approach ◽  
Positive Law ◽  
Property Owners ◽  
The Many ◽  
The Capital Market

This research is related to the Arrangement of Sharia Mutual Funds in the Construction of Positive Laws in Indonesia. Sharia mutual funds are one of the instruments that play an essential role in the capital market in Indonesia. The emergence of Sharia Mutual Funds originated from conventional mutual funds. The many needs of financial institutions in the capital market that operate with sharia principles, Sharia Mutual Funds appear and act according to Islamic sharia provisions and laws. Both in the form of contracts between investors as property owners (Shahibul Maal) and investment managers as representatives of Shahibul Maal, and between investment managers as representatives of Shahibul Maal and investment users. Islamic mutual funds will not invest their funds in bonds of companies whose management or products are contrary to Islamic sharia, for example, alcoholic beverage factories, pig industry, financial services involving usury in operations and businesses that contain immorality. This study uses the Statute Approach and Conceptual Approach, which are complemented by primary, secondary, and tertiary legal materials which are analyzed qualitatively. Regulation of Sharia Mutual Funds in Indonesia under the Capital Market Law Number 8 of 1995 concerning Capital Market and Financial Services Authority Regulation Number 19/POJK.04/2015 concerning Issuance and Requirements of Sharia Mutual Funds and other technical regulations. And specifically, Sharia Mutual Funds are regulated in the Fatwa of the National Sharia Council of the Indonesian Ulema Council Number 20/DSN-MUI/IV/2001 concerning the Guidelines for implementing Investment for Sharia Mutual Funds. Furthermore, Islamic mutual funds at the normative level require a strong foundation in the context of regulation, specifically in positive law in Indonesia to accommodate the needs of the community for the bill. Keywords: regulation, sharia mutual funds, positive legal constructionABSTRAKPenelitian ini berkaitan dengan Pengaturan Reksadana Syariah dalam Konstruksi Hukum Positif di Indonesia. Reksadana Syariah merupakan salah satu instrumen yang berperan penting dalam pasar modal di Indonesia. Munculya Reksadana Syariah bermula dari Reksadana konvensional. Banyaknya kebutuhan akan lembaga keuangan dalam pasar modal yang beroperasi dengan prinsip-prinsip syariah, maka Reksadana Syariah muncul dan beroperasi menurut ketentuan dan prinsip syariah Islam, baik dalam bentuk akad antara pemodal sebagai pemilik harta (shahibul maal) dengan manajer investasi sebagai wakil shahibul maal, maupun antara manajer investasi sebagai wakil shahibul maal dengan pengguna investasi. Reksadana syariah tidak akan menginvestasikan dananya pada obligasi dari perusahaan yang pengelolaannya atau produknya bertentangan dengan syariah Islam misalnya pabrik minuman beralkohol, industri pertenakan babi, jasa keuangan yang melibatkan riba dalam operasionalnya dan bisnis yang mengandung maksiat. Penelitian ini menggunakan pendekatan Perundang-Undangan (Statute Approach) dan pendekatan konseptual (Conceptual Approach), yang dilengkapi dengan bahan hukum primer, sekunder dan tersier yang dianalisis secara kualitatif. Pengaturan Reksadana Syariah di Indonesia berdasarkan Undang– Undang Pasar Modal Nomor 8 Tahun 1995 tentang Pasar Modal dan Peraturan Otoritas Jasa Keuangan Nomor 19/POJK.04/2015 Tentang Penerbitan dan Persyaratan Reksa Dana Syariah dan Peraturan teknis lainnya. Dan secara khusus Reksadana Syariah diatur dalam Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia Nomor 20/DSN-MUI/IV/2001 Tentang Pedoman pelaksanaan Investasi untuk Reksadana Syariah. Selanjutnya Reksadana syariah pada tataran normatif memerlukan landasan yang kuat dalam konteks pengaturan secara khusus dalam hukum positif di Indonesia hal tersebut untuk mengakomodir kebutuhan masyarakat akan hukum. Kata kunci: konstruksi hukum positif, reksadana syariah

Analisis Manajemen Pembiayaan Murobahah BMT

WADIAH ◽  
2019 ◽  
Vol 3 (1) ◽  
Author(s):  
Ryski Pebriana, Rofik Efendi
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Field Research ◽  
Animal Husbandry ◽  
Muslim Community ◽  
Savings And Loans ◽  
Management Function ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive ◽  
Descriptive Approach

The development of Islamic banking and Islamic financial institutions in Indonesia lately increasing. One reason is the strong belief in the Muslim community that banking and conventional financial institutions contain usury which is prohibited by Islam. The presence of Agritama Srengat Blitar BMT as Syari'ah savings and loans is intended to be a more innovative alternative in financial services, the financing process is also not complicated. The absence of an element of usury to Murabahah financing, and the ease of the process and conditions for financing, does not make more and more bad loans. The approach used in this research is a qualitative descriptive approach, while the type of research is field research, and the method of collecting data is observation, interview and documentation, which is using three steps, data reduction, file presentation and drawing conclusions.The results of this study indicate that: 1). Financing procedures at BMT Agritama Srengat Blitar use 5C analysis (character, capacity, capital, collateral, condition) and take into account a maximum radius of 10 km, but this does not apply to existing customers and customers who get recommendations from partners. 2). The implementation of Murabahah financing management has not been in accordance with the murabaha management function which includes planning, organizing, implementing, and controlling. Where the planning of murabahah financing is devoted to agriculture and animal husbandry, but in practice it is not appropriate, then in the implementation of murabahah financing using a wakalah contract it is signed together with murabahah. And the supervision conducted by BMT Agritama is not routinely visited to the place of business. Keywords : financing manajement, murabahah

scholarly journals THE ROLES OF OTORITAS JASA KEUANGAN TO OVERCOME FICTIVE INVESTMENT BENGKULU CITY

2018 ◽  
Vol 3 (1) ◽  
pp. 41-53
Author(s):  
Herawan Sauni ◽  
Dimas Dwi Arso
Keyword(s):  
Task Force ◽  
Secondary Data ◽  
Empirical Approach ◽  
Primary Data ◽  
Research Report ◽  
Is Research ◽  
Qualitative Descriptive ◽  
Set Up

This research is purpose to know the role of Otoritas Jasa Keuangan in overcome fictitious investment in Bengkulu city and To know the efforts of Otoritas Jasa Keuangan to protect the consumers that take fictitious investment in Bengkulu city. This research uses empirical approach, that is research in the place by using interviews to get answers about the role of Otoritas Jasa Keuangan to overcome fictitious investment in Bengkulu city and the efforts of Otoritas Jasa Keuangan to protect consumers that has done fictitious investment in Bengkulu City. This research uses two types of data,that is primary data and secondary data. Then, its data to be analyzed in a research report that is qualitative descriptive. The results of the research is the role of Otoritas Jasa Keuangan to  overcome fictitious investment in Bengkulu City that is preventive and repressive efforts. The preventive efforts for example to socializing and educating people to alert investment and coordinating with law enforcers and other regulators. The repressive efforts, for example set up an Alert Investment task force in every area. Then the efforts of Otoritas Jasa Keuangan to protect consumers that have  fictitious investment in Bengkulu City is regulated in POJK Number 1 / POJK.07 / 2013 about Perlindungan Konsumen Sektor Jasa Keuangan

scholarly journals Urgensi DSN-MUI Sebagai Otoritas Pengawas Syariah Lembaga Keuangan Syariah

2020 ◽  
Vol 10 (1) ◽  
pp. 22-38
Author(s):  
Marlisa Elpira ◽  
Marli Candra
Keyword(s):  
Financial Services ◽  
Financial Institution ◽  
Secondary Data ◽  
Financial Service ◽  
Islamic Banks ◽  
Legal Research ◽  
Financial Problems ◽  
Supervision System ◽  
Supervisory System ◽  
The Ideal

The existence of a sektoral supervisory system in the financial service sektors may lead to disagreements in solving financial problems, which resulting in inefficiency of the supervision. The ideal Islamic financial institution Supervision system is not only in the operational institution aspect, but also includes oversight of compliance to apply the Islamic Principles in all of financial activities, which should be an integral part of the Financial Services Authority (OJK). By using the normative legal research with secondary data were analyzed qualitatively, the author conclude that the position of DSN-MUI as an separated institution from the OJK have some weaknesses: disagreement between the agency authority to DSN-MUI in understanding Islamic financial problems, there are some fatwas can not be absorbed in legislations language, the violations of Islamic principles, DPS are being bound to the bank because of salary, and the not-binding DSN-MUI fatwas to Islamic Banks directly.  Therefor, the presence of OJK as an institution Financial services authority must be equipped with a compotent shariah supervisory structure. Key Words: sektoral supervisory system; Islamic principles; the financial services authority.   Abstrak: Adanya sistem pengawasan sektoral di sektor jasa keuangan dapat menyebabkan ketidaksepahaman dalam memecahkan masalah keuangan yang terjadi, yang berakibat kepada ketidakefisienan pengawasan tersebut. Sistem pengawasan lembaga keuangan syariah yang ideal adalah mengawasi kegiatan operasional lembaga keuangan secara umum sekaligus mengawasi kepatuhan menerapkan prinsip Syariah dalam kegiatan tersebut, di mana keduanya harus menjadi satu kesatuan yang tidak terpisahkan dalam otoritas jasa keuangan yang Islami. Dengan menggunakan metode penelitian hukum normatif yang menggunakan data sekunder yang dianalisis secara kualitatif, penulis menyimpulkan bahwa kedudukan DSN-MUI sebagai lembaga yang terlepas dari lembaga otoritas di sektor jasa keuangan memiliki beberapa kelemahan: ketidaksepahaman antara lembaga otoritas dengan DSN dalam memahami masalah di sektor jasa keuangan syariah, terdapat fatwa yang tidak dapat diserap dalam bahasa peraturan perundang-undangan, adanya pelanggaran prinsip syariah, terikatnya DPS dengan bank yang diawasi dengan adanya biaya transportasi yang menjadi beban bank syariah terkait, serta tidak mengikatnya fatwa DSN secara langsung terhadap bank-bank syariah. Oleh karena itu, kehadiran OJK sebagai lembaga otoritas jasa keuangan harus dilengkapi dengan struktur pengawasan syariah yang kompeten.

scholarly journals PENGAMBILALIHAN HAK ATAS JAMINAN (EKSEKUSI) JAMINAN FIDUSIA DAN RAHN TASJILY PERSEPEKTIF HUKUM POSITIF DAN HUKUM ISLAM

2019 ◽  
Vol 10 (2) ◽  
pp. 186
Author(s):  
Heri Kuswanto
Keyword(s):  
Financial Institutions ◽  
Islamic Law ◽  
Descriptive Analysis ◽  
Critical Legal Studies ◽  
Legal Studies ◽  
Positive Law ◽  
Qualitative Descriptive ◽  
The Right ◽  
And Storage ◽  
Laws And Regulations

The phenomenon that occurs is related to the taking over of the right to guarantee (execution) of fiduciary security and Rahn Tasjily in the execution of executions carried out by financial institutions that do not comply with applicable laws and regulations. This research uses Normative legal methods, with qualitative descriptive analysis and critical legal studies. The results of the study that the process of taking over the right to guarantee (execution) fiduciary regulated in article 29 (1) of the fiduciary guarantee law. Among the first, execution based on Grosse fiduciary guarantee certificate or executable title (fiat execution) contained in the Fiduciary Guarantee Certificate carried out by the fiduciary recipient. Second, an execution based on the execution of separate executions through public auctions by fiduciary recipients. Third, execution by sale under the hand by the creditor fiduciary himself, and fourth, fiduciary execution by claiming. Based on Islamic law, the process of expropriation of the right to guarantee (execution) Rahn Tasjily, that the procedure for executing Marhun (collateral object), if due. Murtahin must warn Rahin to pay off her debt immediately. If the Rahin still cannot repay its debt, then Marhun is forcibly sold/executed through an auction, according to sharia. Marhun sales proceeds used to pay off debt, maintenance, and storage costs that have not paid and sales costs. The excess proceeds from the sale belong to Rahin, and the shortcomings become Rahin obligations. The execution process carried out by sharia companies must be based on fatwa no. 25/DSN-MUI/III/2002, and fatwa no. 92/ DSN-MUI/IV/2014. Positive law and Islamic law, which become normative references, have not been well understood and applied by the finance parties, causing injustice and legal uncertainty.Keywords: expropriation of rights, fiduciary guarantee, rahn tasjily ABSTRAKFenomena yang terjadi terkait pengambilalihan hak atas jaminan (eksekusi) jaminan fidusia dan rahn tasjily pada pelaksanaan eksekus yang dilakukan oleh lembaga pembiayaan tidak mematuhi aturan perundang-undangan yang berlaku. Penelitian ini menggunakan metode hukum Normatif, dengan analisis deskriptif kualitatif dan studi hukum kritis. Hasil penelitian bahwa, proses pengambilalihan hak atas jaminan (eksekusi) fidusia telah diatur dalam pasal 29 (1) undang-undang jaminan fidusia. Diantaranya pertama, eksekusi berdasarkan grosse sertifikat jaminan fidusia atau titel eksekutorial (secara fiat eksekusi) yang terdapat dalam Sertifikat Jaminan Fidusia yang dilakukan oleh penerima fidusia. Kedua, eksekusi berdasarkan pelaksanaan parate eksekusi melalui pelelangan umum oleh penerima fidusia. Ketiga, eksekusi secara penjualan di bawah tangan oleh kreditor pemberi fidusia sendiri, dan keempat, eksekusi fidusia secara mendaku. Berdasarkan hukum Islam, proses pengambilalihan hak atas jaminan (eksekusi) rahn tasjily, bahwa prosedur pengeksekusisan marhun (objek jaminan), apabila jatuh tempo. Murtahin harus memperingatkan Rahin untuk segera melunasi hutangnya. Apabila rahin tetap tidak dapat melunasi hutangnya, maka marhun dijual paksa/dieksekusi melalui lelang sesuai syariah. Hasil penjualan marhun digunakan untuk melunasi utang, biaya pemeliharaan dan penyimpanan yang belum dibayar serta biaya penjualan. Kelebihan hasil penjualan menjadi milik rahin dan kekurangannya menjadi kewajiban rahin. Adapun proses eksekusi yang dilakukan oleh perusahaan syariah harus berdasarkan fatwa Nomor: 25/DSN-MUI/III/2002, dan fatwa Nomor:92/DSN-MUI/IV/2014. Hukum positif dan hukum Islam yang menjadi rujukan normatif, belum difahami dan diterapkan dengan baik oleh pihak pembiayaan, sehingga menimbulkan ketidakadilan dan ketidakpastian hukum. Kata Kunci : jaminan eksekusi fidusia,pengambilalihan hak, rahn tasjily

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