| dc.contributor |
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| dc.contributor |
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| dc.creator |
Sani, Nur Malita |
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| dc.creator |
Fauziah, N Eva |
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| dc.creator |
Malik, Zaini Abdul |
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| dc.date |
2016-08-09 |
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| dc.identifier |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/3434 |
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| dc.description |
The auction in trading activities are not always identified with the offer or sale of rare items, but also sometimes made to sell the collateral on the debts of a transaction where one party did wanprsetasi or breach the agreement. It also occurs in BJB Syariah Branch Office Soreang where collateral auctions conducted also occurred after the seizure of financial guarantees as a result of negligence on the part of customers in the payment of installments receivable financing. An auction process guarantees in BJB Syariah goods done by selling directly (by force) even though there is no consent from the customer. If the customer does not want to sell directly, then penjulan be represented on the parties considered fair. Of the phenomenon, visible discrepancies several matters related to the sale or auction mechanism pawn goods in BJB Syariah Branch Office Soreang with penjulan concept of collateral through an auction according to Ibn Taymiyyah. According to Ibn Taymiyyah, the auction included in the sale and purchase so that in its implementation must still forward the elements of harmony and terms of sale and purchase as well as common rules in Islamic economics as antarodin, open and fair. Based on this background, the authors formulate the problem as follows: How to auction the collateral debts according to Ibn Taymiyyah perspective? How does the process of auction goods financial guarantees in BJB Syariah Branch Office Soreang? And how does a review of jurisprudence according to Ibn Taymiyyah to the policy of auction goods financial guarantees in BJB Syariah Branch Office Soreang? The research method is analytical descriptive character study approach, which examines the implementation of the auctions in BJB Syariah financial guarantees are reviewed through the concept of jurisprudence, Ibn Taymiyyah, especially regarding the provision and selling auction mechanism. The conclusion of this study is the auction the collateral debts from the perspective of Ibn Taymiyyah is legal / allowed or permissible, then the process of auction goods financial guarantees in BJB Syariah Branch Soreang done by the price mechanism and regulations that refer to the Minister of Finance Regulation No. 93 / Pmk. 06/2010 On Implementation Guidelines Auctions, and execution of auctions in BJB Syariah Branch Office Soreang in accordance with the laws and regulations in Indonesia and not in conflict with the concept of buying and selling auction under the terms of jurisprudence Ibn Taymiyyah. |
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| dc.description |
Pelelangan dalam aktivitas jual beli tidak selalu diidentikkan dengan penawaran atau penjualan barang-barang langka, namun juga kadang dilakukan untuk menjual barang jaminan pada suatu transaksi utang-piutang dimana salah satu pihak melakukan wanprsetasi atau pelanggaran kesepakatan. Hal ini juga terjadi di BJB Syariah Kantor Cabang Pembantu Soreang dimana pelelangan barang jaminan yang dilakukan juga terjadi setelah penyitaan barang jaminan pembiayaan akibat kelalaian pihak nasabah dalam pembayaran angsuran piutang pembiayaan tersebut. Proses pelelangan barang jaminan di BJB Syariah dilakukan dengan menjual langsung (secara paksa) meskipuntidak ada persetujuan dari pihak nasabah. Apabila pihak nasabah tidak mau menjual langsung, maka penjulan dapat diwakilkan pada pihak yang dianggap adil. Dari fenomena tersebut, terlihat adanya ketidaksesuaian beberapa hal terkait mekanisme penjualan atau pelelangan barang gadai di BJB Syariah Kantor Cabang Pembantu Soreang dengan konsep penjulan barang jaminan secara lelang menurut Ibnu Taimiyah. Menurut Ibnu taimiyah, pelelangan termasuk ke dalam jual beli sehingga dalam pelaksanaanya tetap harus mengedepankan unsur dari rukun dan syarat jual beli serta kaidah-kaidah umum dalam ekonomi Islam seperti antarodin, terbuka dan adil. Berdasarkan latar belakang tersebut, maka penulis merumuskan permasalahan sebagai berikut : Bagaimana pelelangan barang jaminan utang-piutang menurut perspektif Ibnu Taimiyah ? Bagaimana proses pelelangan barang jaminan pembiayaan di BJB Syariah Kantor Cabang Pembantu Soreang ? Dan bagaimana tinjauan fiqih menurut Ibnu Taimiyah terhadap kebijakan pelelangan barang jaminan pembiayaan di BJB Syariah Kantor Cabang Pembantu Soreang ? Metode penelitian yang adalah deskriptif analitis dengan pendekatan studi tokoh, yaitu meneliti pelaksanaan pelelangan barang jaminan pembiayaan di BJB Syariah ditinjau melalui konsep fiqih Ibnu Taimiyah khususnya mengenai ketentuan dan mekanisme jual beli lelang. Kesimpulan dari penelitian ini adalah pelelangan barang jaminan utang-piutang menurut perspektif Ibnu Taimiyah adalah sah/boleh atau mubah, kemudian proses pelelangan barang jaminan pembiayaan di BJB Syariah Cabang Soreang dilakukan berdasarkan mekanisme harga dan peraturan yang mengacu kepada Peraturan Menteri Keuangan Nomor 93/Pmk. 06/2010 Tentang Petunjuk Pelaksaan Lelang,dan pelaksanaan pelelangan di BJB Syariah Kantor Cabang Pembantu Soreang sesuai dengan peraturan perundang-undangan di Indonesia dan tidak bertentangan dengan konsep jual beli lelang menurut ketentuan fiqih Ibnu Taimiyah. |
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| dc.format |
application/pdf |
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| dc.language |
ind |
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| dc.publisher |
Prosiding Hukum Ekonomi Syariah |
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| dc.publisher |
Prosiding Keuangan & Perbankan Syariah |
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| dc.relation |
http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/3434/pdf |
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| dc.rights |
Copyright (c) 2016 Proceedings of Finance & Islamic Banking |
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| dc.source |
Prosiding Hukum Ekonomi Syariah; Vol 2, No 2, Prosiding Hukum Ekonomi Syariah (Agustus, 2016); 608-614 |
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| dc.source |
Prosiding Keuangan & Perbankan Syariah; Vol 2, No 2, Prosiding Hukum Ekonomi Syariah (Agustus, 2016); 608-614 |
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| dc.source |
2460-2159 |
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| dc.subject |
Proceedings of Financial Institutions & Syariah Banking |
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| dc.subject |
Auction, Item Warranty, Financing and Fiqh. |
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| dc.subject |
Keuangan & Perbankan Syariah |
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| dc.subject |
lelang, barang jaminan, pembiayaan dan fiqih |
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| dc.title |
Review by Auction of Auction Ibn Taimiyyah Warranties of Financing in Islamic BJB Branch Office Helper Soreang |
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| dc.title |
Tinjauan Lelang Menurut Ibnu Taimiyah terhadap Pelelangan Barang Jaminan Pembiayaan di BJB Syariah Kantor Cabang Pembantu Soreang |
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| dc.type |
info:eu-repo/semantics/article |
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| dc.type |
info:eu-repo/semantics/publishedVersion |
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| dc.type |
Peer-reviewed Article |
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| dc.type |
descriptive analysis |
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| dc.type |
deskriptif analitis |
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