Analisis Penyelesaian Wanprestasi dalam Pembiayaan Murabahah

Yeni Widiyaningsih* -  Universitas Islam Nahdlatul Ulama Jepara, Indonesia
Felina Dwi Wulandari -  Universitas Islam Nahdlatul Ulama Jepara, Indonesia
Putri Khoirin Nida -  Universitas Islam Nahdlatul Ulama Jepara, Indonesia
Aida Rahma -  Universitas Islam Nahdlatul Ulama Jepara, Indonesia
Wahidullah Wahidullah -  Universitas Islam Nahdlatul Ulama Jepara, Indonesia

Abstract


In the context of murabahah financing, default (wanprestasi) is a common issue that can lead to losses for Islamic banks. According to the Fatwa of the National Sharia Council MUI No. 43/DSN-MUI/VIII/2004, dhaman or compensation can be imposed on customers who fail to meet their payment obligations as stipulated in the contract. This study employs a qualitative descriptive method to analyze the mechanism of dhaman and its implications for customers experiencing default. The findings indicate that banks have the right to impose penalties in the form of fines (ta'zir) and/or compensation (dhaman) on customers who are able to pay but are late in fulfilling their obligations. However, it is recommended that Islamic banks first offer restructuring options to customers before taking further action. This research emphasizes the need for a balance between protecting customer rights and the bank's interests to achieve fairness in Islamic banking practicef.

Keywords


sharia financing, murabahah contract, default

References


Afifuddin, Fathin, Misbakhul Munir, Universitas Islam, Negeri Yogyakarta, and Penyelesaian Sengketa. “Penyelesaian Sengketa Wanprestasi Akad Murabahah Melalui Litigasi” 8 (2024): 234–44. Azzafira, Abigail Shania, and Sri Maharani. “Penyelesaian Wanprestasi Oleh Nasabah Dalam Akad Murabahah Pada Kredit Pemilikan Rumah Syariah Di Bank Muamalat Cabang Surabaya.” Yustisia Tirtayasa: Jurnal Tugas Akhir 2, no. 2 (2022): 11. https://doi.org/10.51825/yta.v2i2.14408. Dewan Syariah Nasional-Majelis Ulama Indonesia. “Fatwa Dewan Syari’ah Nasional No: 47/DSN-MUI/II/2005 Tentang Penyelesaian Piutang Murabhah Bagi Nasabah Tidak Mampu Membayar.” Dewan Syariah Nasional MUI, no. 47 (2005): 1–4. https://dsnmui.or.id/. DSN-MUI. “Fatwa Dewan Syariah Nasional No. 04/DSN-MUI/IV/2000 Tentang Murabahah.” Direktori Putusan Mahkamah Agung, 2000, 1–6. Fazriah, Dina. “Tanggung Jawab Atas Terjadinya Wanprestasi Yang Dilakukan Oleh Debitur Pada Saat Pelaksanaan Perjanjian.” Das Sollen: Jurnal Kajian Kontemporer Hukum Dan Masyarakat 1, no. 2 (2023): 1–25. https://doi.org/10.11111/dassollen.xxxxxxx. Hastuti, Yusriana Maida, and Siti Ngainnur Rohmah. “Penyelesaian Wanprestasi Dalam Pembiayaan Murabahah Pada Masa Pendemi Perspektif Hukum Islam Dan Hukum Positif; Studi Kasus Di KSPPS BMT NU Sejahtera Kecamatan Haurgeulis.” Mizan: Journal of Islamic Law 5, no. 1 (2021): 87. https://doi.org/10.32507/mizan.v5i1.947. Marpaung, Rolando, and Micael Jeriko Damanik. “Dampak Ekonomi Akibat Wanprestasi Debitur Di Bank Perkreditan Rakyat (BPR).” Jurnal EMT KITA 7, no. 2 (2023): 344–50. https://doi.org/10.35870/emt.v7i2.940. Noer Yasin. “Aspek Perlindungan Hak Spiritual Konsumen Dalam Penyelesaian Sengketa Wanprestasi Pembiayaan Murabahah Pasca Putusan Mahkamah Konstitusi Nomor 18/PUU-XVII/2019.” Al-Huquq: Journal of Indonesian Islamic Economic Law 4, no. 2 (2022): 167–95. https://doi.org/10.19105/alhuquq.v4i2.7005. Ri, Agung. “Kompilasi Hukum Ekonomi Syariah.” Mahkamah Agung, 2016. Siti Hayati. “Analisis Dhaman (Ganti Rugi) Bagi Nasabah Wanprestasi Dalam Perbankan Syariah (Study Pada Pembiayaan Murabahah).” Syarikat: Jurnal Rumpun Ekonomi Syariah 3, no. 2 (2021): 1–6. https://doi.org/10.25299/syarikat.2020.vol3(2).5018. Triana, Yeni, Muhammad Farhan Wiliaziz, Faizal Indra, and Erik Kripton. “Wanprestasi Akad Murabahah Nasabah Terhadap Bank Syariah.” INNOVATIVE: Journal Of Social Science Research Volume 3, no. 5 (2023): 13052–61. Winario, Mohd, Irawati Irawati, Hasgimianti Hasgimianti, and Emilia Susanti. “Analisis Penerapan Pembiayaan Akad Murabahah Bank Rakyat Indonesia Syariah (Bri Syariah) Pekanbaru.” Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) 3, no. 1 (2020): 16–38. https://doi.org/10.31538/iijse.v3i1.723.




DOI: https://doi.org/10.24952/yurisprudentia.v11i1.14384

Refbacks

  • There are currently no refbacks.


Copyright (c) 2025 Yurisprudentia: Jurnal Hukum Ekonomi

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

 


   
   
 
 YURISPRUDENTIA: Jurnal Hukum Ekonomi has been indexed by:            
Editorial Office;
Faculty of Sharia and Law, State Islamic University Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Jalan T. Rizal Nurdin Km. 4,5 Sihitang, Padangsidimpuan, Sumatera Utara, Tel. +62-812-6919-0067 (SMS/WA). Email: yurisprudentia@uinsyahada.ac.id
Creative Commons License