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ANALISIS TERHADAP KESESUAIAN SKEMA UNALLOCATED ACCOUNT DENGAN PRINSIP SYARIAH DALAM PRODUK TABUNGAN EMAS DI INDONESIA
This study aims to analyze the form of legal protection provided to customers in the implementation of the unallocated account scheme in gold savings products in Indonesia and to assess its conformity with the principles of maqasid syariah. The background of this research is based on the potential uncertainty regarding customers’ gold ownership under the unallocated account scheme as regulated in Financial Services Authority Regulation Number 17 of 2024 concerning the Implementation of Bullion Business Activities. Under this scheme, customers do not own specific physical gold but merely hold a claim right to a certain amount of gold recorded collectively. This condition raises questions concerning legal certainty, consumer protection, and its compliance with Islamic principles, particularly in relation to the protection of property (ḥifẓ al-māl). This research employs a normative-empirical legal method with a descriptive-analytical approach. The normative approach examines Law Number 8 of 1999 concerning Consumer Protection, Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (UU P2SK), and Financial Services Authority Regulation Number 17 of 2024. The empirical approach was conducted through interviews with representatives of the Financial Services Authority and Bank Syariah Indonesia (BSI) in the Yogyakarta area, as well as questionnaires distributed to customers using gold savings products. Data were analyzed qualitatively using the theory of legal certainty and the theory of maqasid syariah as the main analytical frameworks. The results of the study indicate that: first, the legal protection provided to customers under the unallocated account scheme based on current regulations (POJK Number 17 of 2024) is inadequate. The regulation fails to guarantee legal certainty regarding customers' physical ownership rights, placing them in a vulnerable position as unsecured creditors. Second, based on the analysis of Islamic Economic Law and maqasid syariah, the implementation of the unallocated account scheme is deemed non-compliant with Islamic principles. This is because customers only receive administrative possession (qabḍ ḥukmī) without actual physical delivery (qabd hakiki), which leads to an imperfect contract and fails to optimally achieve the objective of wealth protection (ḥifẓ almāl) for the customers.
FAKULTAS SYARI’AH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
NIM.: 22103080104 Ahwi Deny Chandra Nasution
ANALISIS TERHADAP KESESUAIAN SKEMA UNALLOCATED ACCOUNT DENGAN PRINSIP SYARIAH DALAM PRODUK TABUNGAN EMAS DI INDONESIA (Text)
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297.273 Islam dan Ilmu Ekonomi, Perbankan Syariah, Lembaga Keuangan Syariah