TINJAUAN HUKUM ISLAM TERHADAP PENERAPAN PARATE EKSEKUSI DALAM HAK TANGGUNGAN PEMBIAYAAN BERMASALAH STUDI KASUS BANK MUAMALAT INDONESIA CABANG PADANGSIDIMPUAN

Rajali Batubara, S. H., NIM.: 20203011077 (2022) TINJAUAN HUKUM ISLAM TERHADAP PENERAPAN PARATE EKSEKUSI DALAM HAK TANGGUNGAN PEMBIAYAAN BERMASALAH STUDI KASUS BANK MUAMALAT INDONESIA CABANG PADANGSIDIMPUAN. Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The execution of the Execution Parate is considered simple because it does not involve debtors, courts or procedural law procedures. In practice, Islamic institutions, especially Bank Muamalat Indonesia KCP Padangsidimpuan basically have good intentions, only use the principle of mutual trust between Islamic banking and customers. According to research based on existing data at the bank, it is known that the implementation of the sale of collateral goods, is carried out by Bank Muamalat Indonesia KCP Padangsidimpuan through auctions and so on, namely by selling over the hand or called parate execution. It is known from the implementation of this parate execution that it is more dominantly practiced in conventional-based financial institutions. Therefore, it is necessary to know how the implementation of parate execution on problematic financing needs to be reviewed from positive law and Islamic law. This type of research is a field research that uses primary and secondary data. The research approach used is a normative-juridical approach, which refers to the norms of positive law and Islamic law by using qualitative descriptive data analysis techniques, which first describes the facts of the implementation of parate execution on problematic financing and then analyzed with reference to positive law and Islamic law. The results of the study explain that: First, the implementation of parate execution carried out by BMI KCP Padangsidimpuan, namely by selling the object of collateral through the KPKNL Institution. Pricing is adjusted to the highest offer from the buyer. Appropriate or not in accordance with the price of collateral being traded is a risk on the part of the customer as a debtor who is in default. Second, the execution of the parate execution is not in accordance with the fiqh of muamalah, especially from the point of view of justice. The auction price is determined at the highest bid, regardless of the base price.

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