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AKAD PEMBIAYAAN SYARIAH DITINJAU DARI PASAL 1320 KITAB UNDANG-UNDANG HUKUM PERDATA DAN KOMPILASI HUKUM EKONOMI SYARIAH TENTANG SYARAT SAH PERJANJIAN (Studi di PT. Bank Pembiayaan Rakyat Syariah Bumi Rinjani Kota Malang)

Rahmadanti, Wardah Dinnar (2018) AKAD PEMBIAYAAN SYARIAH DITINJAU DARI PASAL 1320 KITAB UNDANG-UNDANG HUKUM PERDATA DAN KOMPILASI HUKUM EKONOMI SYARIAH TENTANG SYARAT SAH PERJANJIAN (Studi di PT. Bank Pembiayaan Rakyat Syariah Bumi Rinjani Kota Malang). Bachelors Degree (S1) thesis, University of Muhammadiyah Malang.

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Abstract

One of the most important and principal bank activities is channeling credit financing to the community. The credit financing provided by banks to customers is very risky, because in giving a credit they should pay attention to the principles of healthy credit based on the principle of prudence. In a contract of credit financing, especially credit agreement, the bank should provide a credit financing to the customer by applying the provisions of article 1320 of the Civil Code regarding the legal terms of the agreement. This research focused on the aspects of the aggreement that is associated with the existence of Article 1320 of the Civil Code. The author used Sociological Juridical approach. The primary data sources obtained from the field and secondary data sources obtained from the legislation , study documentation and data collection techniques in the form of interviews. Then the research data were analyzed descriptively qualitative. Based on the results of the study authors of 32 (thirty two) samples financing agreement in PT. BPRS Bumi Rinjani Malang City, it was proven not to pay attention to the provisions of Article 1320 of the Civil Code regarding the legal requirement of the agreement which is also affected by the lack of public understanding of the law of a treaty. Then it can be concluded that the legal fulfillment of the contract in terms of Article 1320 of the Civil Code in the sharia financing agreementat PT. Bank Pembiayaan Rakyat Syariah Bumi Rinjani Malang City is not fulfilled yet. However, the consequense is that the debtor doing a wanprestasi with the act of default or bad credit. In addition, the creditor is constrained to execute collateral goods because the debtor only includes a fiduciary guarantee certificate under the hand. The recommendation of this research result is expected to give benefit to PT. BPRS Bumi Rinjani Kota Malang, Customer, Society, and Financial Service Authority Institution.

Item Type: Thesis (Bachelors Degree (S1))
Student ID: 201410110311117
Keywords: Agreement, Article 1320 of the Civil Code, Sharia Financing, Wanprestasi
Subjects: K Law > K Law (General)
Divisions: Faculty of Law > Department of Law (74201)
Depositing User: CKO Repository
Date Deposited: 19 Dec 2018 02:45
Last Modified: 19 Dec 2018 02:45
URI : http://eprints.umm.ac.id/id/eprint/42280

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