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Mechanism Of Execution Of Mortgage Rights In Sharia Economic Cases In Religious Courts (Study Of Decision Number 3478/Pdt.G/Pa.Pml)

Ikatan Penulis Mahasiswa Hukum Indonesia Law Journal · Vol. 5 No. 4 (2026) · pp. 1213–1240

DOI
10.15294/ipmhi.v5i4.47124
ISSN
2807-8330, 2797-8508
Published
2026-07-01
Publisher
Universitas Negeri Semarang
Language
eng

Abstract

This study examines the mechanism of implementing Mortgage Rights in Islamic economic cases in the Religious Court, with a case study of Decision Number 3478/Pdt.G/2024/PA.PML. In the context of the development of Islamic economics in Indonesia, the implementation of mortgage rights as collateral in Islamic financing is a crucial issue, particularly regarding debtor protection and fairness in the execution process. The research method used is a juridical-normative approach with a statutory regulatory approach, case studies, and the concept of Maqashid al-Shari'ah. The results show that the implementation of mortgage rights execution still follows conventional civil law mechanisms that prioritize formal legal certainty, but do not accommodate Sharia values ​​such as deliberation, good faith, and substantive justice. Execution through parate executie often harms debtors because the auction limit price is set below market value. From the perspective of Maqasid al-Shari'ah (the principle of Shariah), judges should act as ḥāris al-‘adl (the principle of justice) by upholding hifz al-mal (the principle of justice), al-adl (the principle of equality), tawazun (the principle of justice), and maslahah (the principle of maslahah), so that the execution of the debt can balance the rights of creditors and the protection of debtors. This research recommends regulatory reforms related to the determination of auction limit prices, the integration of Maqasid al-Shari'ah principles into religious court decisions, and the granting of more effective rights for debtors to file objections before execution. Thus, harmonization between national law and Sharia principles can be achieved for the sake of justice and the common good.

Keywords

Collaboration network of the authors

39 authors · 95 co-authorship links

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  • State University of Semarang
  • Affiliation unknown
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Co-authorOrganisationJoint articles
Yustina Dhian NovitaAffiliation unknown4
Dian LatifianiAffiliation unknown3
Dewi Zahra SetyawatiAffiliation unknown2
Veyza OliviaAffiliation unknown2
Armanda N ArdiyantoAffiliation unknown2
Qlarissa MelindaAffiliation unknown2
Hisyam Maliki AkbarAffiliation unknown2
Fitria DamayantiAffiliation unknown2
Zainurohmah ZainurohmahAffiliation unknown2
Rizqiya Lailatul IzzaAffiliation unknown2
Indriana FirdausAffiliation unknown2
Nur Arif NugrahaAffiliation unknown2
Suhadi SuhadiAffiliation unknown1
Cahya WulandariState University of Semarang1
Nisma Raditya ArbayaAffiliation unknown1
Kartika Fajar CahyaniAffiliation unknown1
Iwan SulistiyoAffiliation unknown1
Wahyudin WahyudinAffiliation unknown1
Yusuf Dwi UtomoAffiliation unknown1
Annisa TussalehaAffiliation unknown1
Pratama Herry HerlambangAffiliation unknown1
Farkhan Radyafani WinarnoAffiliation unknown1
Ahmad HabiburrahmanAffiliation unknown1
Ali MurtadhoAffiliation unknown1
Rayi Kharisma RajibAffiliation unknown1
Ahmad RofiqAffiliation unknown1
Vini Wiratno PutriAffiliation unknown1
Nurul FibriantiAffiliation unknown1
Lesa ParantiAffiliation unknown1
Alifa Rizqia RachmawatiAffiliation unknown1
Annisa Cahya MadaniAffiliation unknown1
R Benny RiyantoAffiliation unknown1
Rizky Yanda ShagiraAffiliation unknown1
Lutfi UlinuhaAffiliation unknown1
Wahyudin WahyudinAffiliation unknown1
Raphael Bertrand MayakaAffiliation unknown1
pingky auliyaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/ipmhi/oai, first harvested 6 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en">Mechanism Of Execution Of Mortgage Rights In Sharia Economic Cases In Religious Courts (Study Of Decision Number 3478/Pdt.G/Pa.Pml)</dc:title>
	<dc:creator xml:lang="en">assayyidahfadlilah</dc:creator>
	<dc:creator xml:lang="en">Baidhowi, Baidhowi</dc:creator>
	<dc:subject xml:lang="en">mortgage</dc:subject>
	<dc:subject xml:lang="en">parate execution</dc:subject>
	<dc:subject xml:lang="en">auction</dc:subject>
	<dc:subject xml:lang="en">islamic economics</dc:subject>
	<dc:subject xml:lang="en">maqashid al-sharia'ah</dc:subject>
	<dc:description xml:lang="en">This study examines the mechanism of implementing Mortgage Rights in Islamic economic cases in the Religious Court, with a case study of Decision Number 3478/Pdt.G/2024/PA.PML. In the context of the development of Islamic economics in Indonesia, the implementation of mortgage rights as collateral in Islamic financing is a crucial issue, particularly regarding debtor protection and fairness in the execution process. The research method used is a juridical-normative approach with a statutory regulatory approach, case studies, and the concept of Maqashid al-Shari'ah. The results show that the implementation of mortgage rights execution still follows conventional civil law mechanisms that prioritize formal legal certainty, but do not accommodate Sharia values ​​such as deliberation, good faith, and substantive justice. Execution through parate executie often harms debtors because the auction limit price is set below market value. From the perspective of Maqasid al-Shari'ah (the principle of Shariah), judges should act as ḥāris al-‘adl (the principle of justice) by upholding hifz al-mal (the principle of justice), al-adl (the principle of equality), tawazun (the principle of justice), and maslahah (the principle of maslahah), so that the execution of the debt can balance the rights of creditors and the protection of debtors. This research recommends regulatory reforms related to the determination of auction limit prices, the integration of Maqasid al-Shari'ah principles into religious court decisions, and the granting of more effective rights for debtors to file objections before execution. Thus, harmonization between national law and Sharia principles can be achieved for the sake of justice and the common good.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2026-07-01</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://journal.unnes.ac.id/journals/ipmhi/article/view/47124</dc:identifier>
	<dc:identifier>10.15294/ipmhi.v5i4.47124</dc:identifier>
	<dc:source xml:lang="en">Ikatan Penulis Mahasiswa Hukum Indonesia Law Journal; Vol. 5 No. 4 (2025):  Special Issue II: UNNES Students' Contribution to Advancing the Development of Indonesian Legal Studies; 1213-1240</dc:source>
	<dc:source>2807-8330</dc:source>
	<dc:source>2797-8508</dc:source>
	<dc:source>10.15294/ipmhi.v5i4</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/ipmhi/article/view/47124/10523</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 IPMHI Law Journal</dc:rights>
</oai_dc:dc>