Legitimasi Penggunan “Debt Collector” di Perusahaan Pembiayaan Syariah dalam Proses Eksekusi Jaminan

Perdana Nur Ambar

Abstract


The development of the world of sharia economy has
made significant progress in XX century. Even though
Indonesia, it is started the emergence of Islamic banks and
followed by other financial business sectors such as sharia
insurance, syariah capital markets, and sharia leasing. Shariah
finance (Leasing) became the public choice in the procurement
of goods, especially vehicles because the process is fast, simple,
and easy. Similar to other finance businesses that culminate in
the provision of credit, the sharia leasing system starts from
the signing of contracts, binding fiduciary guarantee, and
delivery of vehicles to customers too. The distinction between
leasing and sharia finance is on its contract and economic
principles what clinged in that business process. Trust is the
primary basic of the finance business, both of customer and
leasing company are expecting the installment be settled on
time without any payment arrears. However, sometimes
customers who have failed payment of vehicle installment. In
this situation the company will take measures to rescue the
financing, executing fiduciary guarantee. The execution process
starts from delivery of warning letters to customers till taking
back the collateral by its debt collector in order to smooth the
process of guarantee sales. Sometimes the collateral-taking
becomes a little harsh because the customers are reluctant to
hand over process, whereas the legitimacy of the debt collector's
action is essentially based on both Islamic Law and Positive
Law in Indonesia.
Key words: Sharia Financing, Debt Collector, Fiduciary
Guarantee


Full Text:

PDF

References


Abdullah, Ma’aruf, Manajemen Bisnis Syariah, Yogyakarta:

Aswaja Pressindo, 2014.

Al Mishri, Abdul Sami’, Pilar-Pilar Ekonomi Islam tej

Dimyauddin Djuwaini, Yogyakarta: Pustaka Pelajar,

Badrulzaman, Mariam Darus, Bab-bab tentang Credietverband,

Gadai, & Fiducia, Bandung: PT. Citra Aditya Bakti, 1991.

Badrulzaman, Mariam Daru, Mencari Sistem Hukum Benda

Nasional, Bandung: Penerbit Alumni, 1997.

Djakfar, Muhammad, Hukum Bisnis Membangun Wacana

Integrasi Perundangan Nasional dengan Syariah,

Malang: UIN Maliki Press, 2013.

Elhas, Nashihul Ibad, Produk Standar Ekonomi Syariah dalam

Kilas Sejarah, Yogyakarta: CV Pustaka Ilmu Group, 2015

Harahap, M. Yahya, Ruang Lingkup Permasalahan Eksekusi

Bidang Perdata, Jakarta: Sinar Grafika, 2014.

Hartini, Rahayu, Hukum Komersial, Malang: Penerbitan

Universitas Muhammadiyah Malang, 2005.

HS, Salim, dan Erlies Septiana Nurbani, Perbandingan Hukum

Perdata Comparative Civil Law, Depok: PT

Rajagrafindo Persada, 2014.

Janwari, Yadi, Lembaga Keuangan Syariah, Bandung: PT

Remaja Rosdakarya, 2015.


Refbacks

  • There are currently no refbacks.


Copyright (c) 2020 Perdana Nur Ambar




JURNAL Supremasi Hukum: Jurnal Kajian Ilmu Hukum Indexed by:

width="50" width="50"  width="60"
width="60"

 

 

JURNAL SUPREMASI HUKUM
Departement of Law Faculty of Sharia and Law, Universitas Islam Negeri Sunan Kalijaga Yogyakarta
Marsda Adi Sucipto Street, Caturtunggal, Kabupaten Sleman, Daerah Istimewa Yogyakarta 55281 - Phone 0274-512474