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Law Enforcement on Sharia Compliance: a Case Study on The Murabahah Consumptive Financing Agreement of Bank A Syariah

Jurnal IUS (Kajian Hukum dan Keadilan) · Vol. 9 No. 2 (2021) · hlm. 299–309

DOI
10.29303/ius.v9i2.895
ISSN
2477-815X, 2303-3827
Terbit
2021-08-18
Penerbit
Magister of Law, Faculty of Law, University of Mataram
Bahasa
eng

Abstrak

Sharia compliance is the basic basis for assessing whether Islamic banks have enforced sharia law. Law enforcement by Islamic banking must reach the element that the bank has implemented the rules of muamalah related to the prohibition of usury and dzolim. The factual phenomenon is fraud in the murabahah consumptive financing contract by Bank A Syariah. This is important to study and analyze considering that law enforcement on sharia compliance in bank A Syariah on contract and financing instruments has an impact on customer and public trust. This research uses normative legal research methods, with a critical legal study approach. The results of the study show that law enforcement is not directly proportional to sharia compliance. There is still a “legal trick” (Hilah) in the murabahah consumptive financing contract. Hilah is part of the legalization of taking usury. Bank A Syariah business activities have not been maximally carried out in the real or productive sector. Productive sectors, such as livestock, food crop agriculture, food and beverage processing industry, and others. Second, murabahah consumptive financing still relies on the pattern of consumptive lending in the form of a privileged civil servant decree as collateral. The object of the contract is money, not the real sector, so that the murabahah contract fraud by Sharia bank A also surfaced. The murabahah contract that is carried out between BA customers and Sharia bank A is one of the cases that justifies Islamic banks only have sharia labels, but their implementation has not been sharia.

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15 penulis · 38 tautan kepenulisan bersama · 16 lintas organisasi

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  • State University of Semarang
  • University of Muhammadiyah Mataram
  • Muhammadiyah University of Surakarta
  • Universitas Ahmad Dahlan
  • Sultan Agung Islamic University
  • Sultan Sharif Ali Islamic University
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  • Organisasi berbeda
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Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Khudzaifah DimyatiMuhammadiyah University of Surakarta2
Hilman Syahrial HaqUniversity of Muhammadiyah Mataram2
Dyah Maya NihayahState University of Semarang1
Grace Natalia MarpaungState University of Semarang1
Avi Budi SetiawanState University of Semarang1
Nurjannah Rahayu KistantiState University of Semarang1
Savira Ariesta Putri AndikeState University of Semarang1
Riska JulianiState University of Semarang1
Sudarsono .Afiliasi tidak diketahui1
AbsoriAfiliasi tidak diketahui1
Fithriatus ShalihahUniversitas Ahmad Dahlan1
Ahmad MasumSultan Sharif Ali Islamic University1
Ikhsan WahyudiSultan Agung Islamic University1

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Sumber metadata: OAI-PMH (metadata jurnal) http://jurnalius.ac.id/ojs/index.php/jurnalIUS/oai, pertama di-harvest 9 Nov 2026, terakhir terlihat 9 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">Law Enforcement on Sharia Compliance: a Case Study on The Murabahah Consumptive Financing Agreement of Bank A Syariah</dc:title>
	<dc:creator>S, Nurjannah</dc:creator>
	<dc:creator>Setiaji, Bambang</dc:creator>
	<dc:subject xml:lang="en-US">Sharia Compliance</dc:subject>
	<dc:subject xml:lang="en-US">Murabaha Contract Fraud</dc:subject>
	<dc:description xml:lang="en-US">Sharia compliance is the basic basis for assessing whether Islamic banks have enforced sharia law. Law enforcement by Islamic banking must reach the element that the bank has implemented the rules of muamalah related to the prohibition of usury and dzolim. The factual phenomenon is fraud in the murabahah consumptive financing contract by Bank A Syariah. This is important to study and analyze considering that law enforcement on sharia compliance in bank A Syariah on contract and financing instruments has an impact on customer and public trust. This research uses normative legal research methods, with a critical legal study approach. The results of the study show that law enforcement is not directly proportional to sharia compliance. There is still a “legal trick” (Hilah) in the murabahah consumptive financing contract. Hilah is part of the legalization of taking usury. Bank A Syariah business activities have not been maximally carried out in the real or productive sector. Productive sectors, such as livestock, food crop agriculture, food and beverage processing industry, and others. Second, murabahah consumptive financing still relies on the pattern of consumptive lending in the form of a privileged civil servant decree as collateral. The object of the contract is money, not the real sector, so that the murabahah contract fraud by Sharia bank A also surfaced. The murabahah contract that is carried out between BA customers and Sharia bank A is one of the cases that justifies Islamic banks only have sharia labels, but their implementation has not been sharia.</dc:description>
	<dc:publisher xml:lang="en-US">Magister of Law, Faculty of Law, University of Mataram</dc:publisher>
	<dc:date>2021-08-18</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-Reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnalius.ac.id/ojs/index.php/jurnalIUS/article/view/895</dc:identifier>
	<dc:identifier>10.29303/ius.v9i2.895</dc:identifier>
	<dc:source xml:lang="en-US">Jurnal IUS Kajian Hukum dan Keadilan; Vol. 9 No. 2: August 2021 : Jurnal IUS Kajian Hukum dan Keadilan; 299-309</dc:source>
	<dc:source>2477-815X</dc:source>
	<dc:source>2303-3827</dc:source>
	<dc:source>10.29303/ius.v9i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnalius.ac.id/ojs/index.php/jurnalIUS/article/view/895/pdf_198</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2021 Nurjannah S, Bambang Setiaji</dc:rights>
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