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Conflict in Mortgage Enforcement and Sharia Legitimacy: Reconstructing Legal Authority through Maqāṣid al-Sharīʿah

JURIS (Jurnal Ilmiah Syariah) · Vol. 25 No. 2 (2026) · hlm. 429–441

DOI
10.31958/juris.v25i2.16739
ISSN
2580-2763, 1412-6109
Terbit
2026-09-29
Penerbit
Universitas Islam Negeri Mahmud Yunus Batusangkar
Bahasa
en
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

Conflicts in mortgage enforcement by Islamic banks remain underexplored, particularly regarding the interaction between mortgage rights, Sharia-based contracts, and judicial authority. Previous studies have largely examined collateral enforcement, Sharia compliance, and judicial competence as separate issues, leaving insufficient explanation of how conflicting legal norms and institutional authorities affect the legitimacy of mortgage enforcement. This study adopts an empirical socio-legal approach with a qualitative case-study design focusing on mortgage enforcement by Bank Sumsel Babel Syariah. Data were collected through observation, semi-structured interviews with purposively selected Bank representatives involved in financing and recovery, creditors and debtors or their legal counsel with direct experience of enforcement disputes, and Religious Court actors familiar with judicial authority and case handling, alongside analysis of court decisions, legislation, financing contracts, and relevant legal literature. The findings reveal conflicts between formal legal certainty and substantive Sharia justice, regulatory disharmony and overlapping institutional authority, and institutional risks concerning financing recovery and legal legitimacy. These findings indicate that formal validity alone is insufficient to establish legitimate mortgage enforcement in Islamic banking. The study therefore reconstructs legal authority through maqāṣid al-sharīʿah by integrating asset protection, creditors’ rights, debtor protection, and Sharia legitimacy within a more coherent framework of mortgage enforcement.

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Sumber metadata: OAI-PMH (metadata jurnal) https://ejournal.uinmybatusangkar.ac.id/ojs/index.php/Juris/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Conflict in Mortgage Enforcement and Sharia Legitimacy: Reconstructing Legal Authority through Maqāṣid al-Sharīʿah</dc:title>
	<dc:creator xml:lang="en">Rochmiyatun, Siti</dc:creator>
	<dc:creator xml:lang="en">Cholidi</dc:creator>
	<dc:creator xml:lang="en">Muntaqo, Firman</dc:creator>
	<dc:creator xml:lang="en">Budhiartie, Arrie</dc:creator>
	<dc:creator xml:lang="en">Larasati, Yuniar Galuh</dc:creator>
	<dc:creator xml:lang="en">Sharipov, Ma'mur</dc:creator>
	<dc:subject xml:lang="en">Parate execution conflict</dc:subject>
	<dc:subject xml:lang="en">Mortgage enforcement</dc:subject>
	<dc:subject xml:lang="en">Islamic banks</dc:subject>
	<dc:subject xml:lang="en">Islamic economic disputes</dc:subject>
	<dc:subject xml:lang="en">Sharia legitimacy</dc:subject>
	<dc:subject xml:lang="en">Maqāṣid al-sharīʿah</dc:subject>
	<dc:description xml:lang="en">Conflicts in mortgage enforcement by Islamic banks remain underexplored, particularly regarding the interaction between mortgage rights, Sharia-based contracts, and judicial authority. Previous studies have largely examined collateral enforcement, Sharia compliance, and judicial competence as separate issues, leaving insufficient explanation of how conflicting legal norms and institutional authorities affect the legitimacy of mortgage enforcement. This study adopts an empirical socio-legal approach with a qualitative case-study design focusing on mortgage enforcement by Bank Sumsel Babel Syariah. Data were collected through observation, semi-structured interviews with purposively selected Bank representatives involved in financing and recovery, creditors and debtors or their legal counsel with direct experience of enforcement disputes, and Religious Court actors familiar with judicial authority and case handling, alongside analysis of court decisions, legislation, financing contracts, and relevant legal literature. The findings reveal conflicts between formal legal certainty and substantive Sharia justice, regulatory disharmony and overlapping institutional authority, and institutional risks concerning financing recovery and legal legitimacy. These findings indicate that formal validity alone is insufficient to establish legitimate mortgage enforcement in Islamic banking. The study therefore reconstructs legal authority through maqāṣid al-sharīʿah by integrating asset protection, creditors’ rights, debtor protection, and Sharia legitimacy within a more coherent framework of mortgage enforcement.</dc:description>
	<dc:publisher xml:lang="en">Universitas Islam Negeri Mahmud Yunus Batusangkar</dc:publisher>
	<dc:date>2026-09-29</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ejournal.uinmybatusangkar.ac.id/ojs/index.php/Juris/article/view/16739</dc:identifier>
	<dc:identifier>10.31958/juris.v25i2.16739</dc:identifier>
	<dc:source xml:lang="en">JURIS (Jurnal Ilmiah Syariah); Vol. 25 No. 2 (2026); 429-441</dc:source>
	<dc:source xml:lang="id">Juris; Vol 25 No 2 (2026); 429-441</dc:source>
	<dc:source>2580-2763</dc:source>
	<dc:source>1412-6109</dc:source>
	<dc:source>10.31958/juris.v25i2</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://ejournal.uinmybatusangkar.ac.id/ojs/index.php/Juris/article/view/16739/6053</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Siti Rochmiyatun, Cholidi, Firman Muntaqo, Arrie Budhiartie, Yuniar Galuh Larasati, Ma'mur Sharipov</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>