Fiduciary Guarantee in Banking Transactions: Positive Law and Sharia Law Perspective

Reni Anggriani, Aisyah Ajeng Putri Riyanto, Cyabriena Asela

Abstract


The process of transferring rights from the debtor to the creditor is solely based on trust. Fiduciary guarantees are a public need to apply guarantee law as a defense. on the implementation of consumer financing agreement agreements. Consumer agreements that are not accompanied by additional agreements result in the imposition of guarantees using general guarantees, so that the rights from material guarantees do not apply to him. This article aims to analyze the position and implementation of fiduciary guarantees in banking transactions from the perspective of positive and sharia law. The article uses normative legal research methods using statutory approaches and qualitative approaches. Article 1132 of the Civil Code finds that fiduciary guarantees in a positive legal perspective empower creditors to ask for compensation from the debtor by taking ownership of the promised guarantee and can be implemented directly without waiting for a court decision. While in the perspective of sharia law the term fiduciary guarantee is not recognized, in practice Islamic banks adopt the concept of fiduciary guarantee by using the term "rahn" which means that fiduciary guarantees enter into the collateral object and remain the property of the debtor and the creditor has the right of responsibility over the object as debt repayment guarantee words separated by.

Keywords


Fiduciary Guarantee; Positive Law; Sharia Law

Full Text:

PDF

References


Asmaniar, Asmaniar, and Fiter Jonson Sitorus. "Registration of Fiduciary Objects as Debt Collateral." Justice Voice 1, No. 1 (2022): 11–21. https://doi.org/10.37893/jv.v1i1.32.

Baldwin, I M. "Implementation of Credit Agreement with Fiduciary Guarantee in Pd Bpr Bkk Sayung." Thesis: Unissula (2017). http://repository.unissula.ac.id/9390/.

Busro, Achmad, Dewi Sulistianingsih, and Muhammad Shidqon Prabowo. “Legal Protection For Creditors In Fidusia Agreements In Indonesia” 140, (2019): 51–56. https://doi.org/10.2991/iscogi-17.2019.13.

Heriawanto, Benny Krestian. "Execution of the Object of Fiduciary Guarantee Under the Executory Title." Legality: Scientific Journal of Law 27, No. 1 (2019): 54-67. https://doi.org/10.22219/jihl.v27i1.8958.

Khotami, Khotami, Nandang Alamsah Deliarnoor, Utang Suwaryo, and Neneng Yani Yuningsih. “Dimensional Analysis of All Units on Intergovernmental Relations Within the Mining Authority (Study on Unlicensed Gold Mining in District of Kuantan Singingi).” JED (Jurnal Etika Demokrasi) 6, No. 1 (2021): 63–81. https://doi.org/10.26618/jed.v6i1.4497.

Koto, Ismail, and Faisal Faisal. "Application of execution of fiduciary guarantees on movable property against defaulting debtors." Journal of Education, Humanities and Social Sciences (JEHSS) 4, No. 2 (2021): 774–781. https://doi.org/10.34007/jehss.v4i2.739.

Mariyanti, M, T Septiani, and N Dolan. “Factor Affecting Employee Motivation to Increase Performance of Sharia Bank in Indonesia on Islamic Perspective.” APTISI Transactions on Management (ATM) 7, No. 2 (2023): 131–142. https://doi.org/10.33050/atm.v7i2.1860.

Mccann, Philip, and Frank van Oort. “Theories of Agglomeration and Regional Economic Growth: A Historical Review.” Handbook of Regional Growth and Development Theories: Revised and Extended Second Edition, 2019: 6–23. https://doi.org/10.4337/9781788970020.00007.

Muhammad Sabir, Rifka Tunnisa. "Fiduciary Guarantees in Banking Transactions." Mazahibuna: Journal of Comparative Schools 2, (2020): 84.

Mutiari, Yunial Laili, Muhammad Syahri Ramadhan, and Irsan Irsan. “Legal Analysis of the Role of Financing Institutions in Applying Law Fidusia Guarantee in Indonesia.” International Journal of Research in Law, Economic and Social Sciences 1, No. 1 (2019): 1–8. https://doi.org/10.32501/injuriless.v1i1.50.

Mwalungo, M. K. “The Effects of Credit on Economic Growth in Kenya (Master’s Dissertation)” 5, No. 1 (2023): 77–85. https://doi.org/: https://doi.org/10.55057/ijaref.2023.5.1.9.

Nuralyza, Olivia, Niluh Putu Dian, Rosalina Handayani, Narsa, and Dewi Sriani. "Bank Competition, Credit Risk, and Foreign Bank Penetration: Empirical Evidence from Indonesia." JBMP (Journal of Business, Management and Banking) 8, No. 1 (2022): 7–24. https://doi.org/10.21070/jbmp.v8i1.1620.

Nurani, Nina, Cherry Citra, and Idham Budiman. “Copyright As a Guarantee of Fidusia in the Efforts to Accelerate Indonesia’s Creative Economic Growth.” PalArch’s Journal of Archaelogy of Egypt 17, No. 5 (2020): 691–704.

Prasetiyo, Widayat Aris. “Notary Responsibility For Development And Registration Of Fidusia Warranties On Line Against Fidusian Recipients In Demak District.” Sultan Agung Notary Law Review 2, No. 4 (2020): 9. https://doi.org/DOI: http://dx.doi.org/10.30659/sanlar.2.4.772-780.

Sugihartanto, Mushonnifun Faiz, and Nabila Silmina Hakim. Virtual International Halal Science Conference- PROCEEDINGS (2021). Challenges of Enhancing Halal Food Supply Chain Traceability Using Blockchain Technology: A Case Study From a Start-Up in Indonesia, 2021.

Tri Haditya, Syarifuddin. "The Mechanism for Using Material Guarantees (Rahntasjily) in Islamic Bank Financing in Indonesia and Malaysia." Conscience 18 , (2018): 164.

Wardhono, Adhitya, Mohamad Ikhsan Modjo, and Eka Wahyu Utami. Role of Credit Guarantee for Financing MSMEs: Evidence from Rural and Urban Areas in Indonesia. Unlocking SME Finance in Asia: Roles of Credit Rating and Credit Guarantee Schemes, 2019. https://doi.org/10.4324/9780429401060-9.

Wawointana, Riedel. "Benefits of Fiduciary Guarantees in the Performance of Bank Credit Agreements." Lex Privatum 1, (2013): 101.

Widjaja, Erich Kurniawan, and William Tandya Putra. "Characteristics of Property Rights in the Object of Fiduciary Guarantee in the Form of Inventory Objects." Mercatoria Journal 12, No. 1 (2019): 14-28. https://doi.org/10.31289/mercatoria.v12i1.2316.

Wijaya, Ning Karna. “Strategies of Pt. Pegadaian To Enhance Mikro Fidusia Syariah Credit Performance.” Al-Uqud : Journal of Islamic Economics 3, No. 1 (2019): 70-84. https://doi.org/10.26740/al-uqud.v3n1.p70-84.

WRIGHT, SHARON, and PETER DWYER. “In-Work Universal Credit: Claimant Experiences of Conditionality Mismatches and Counterproductive Benefit Sanctions.” Journal of Social Policy 51, No. 1 (2022): 20–38. https://doi.org/10.1017/S0047279420000562.




DOI: http://dx.doi.org/10.28946/sc.v30i2.3068

Refbacks

  • There are currently no refbacks.


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

--------------------------------------------------------------------------------------------------------------------------------------------------------------

SIMBUR CAHAYA : Jurnal Ilmiah Ilmu Hukum

ISSN: 1410-0614 (Print)

e-ISSN: 2684-9941 (Online)


Published by :

Fakultas Hukum Universitas Sriwijaya

Jl. Srijaya Negara, Bukit Besar, Ilir Barat I, Palembang, 30139

Telepon : +62711-580063 Fax : +62711-581179

Email : simburcahaya@fh.unsri.ac.id

Website : http://journal.fh.unsri.ac.id/index.php/simburcahaya

Creative Commons License
Jurnal Simbur Cahaya (SC)  is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.