<> "The repository administrator has not yet configured an RDF license."^^ . <> . . . "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\r\nthe implementation of the unallocated account scheme in gold savings products in\r\nIndonesia and to assess its conformity with the principles of maqasid syariah. The\r\nbackground of this research is based on the potential uncertainty regarding\r\ncustomers’ gold ownership under the unallocated account scheme as regulated in\r\nFinancial Services Authority Regulation Number 17 of 2024 concerning the\r\nImplementation of Bullion Business Activities. Under this scheme, customers do\r\nnot own specific physical gold but merely hold a claim right to a certain amount\r\nof gold recorded collectively. This condition raises questions concerning legal\r\ncertainty, consumer protection, and its compliance with Islamic principles,\r\nparticularly in relation to the protection of property (ḥifẓ al-māl).\r\nThis research employs a normative-empirical legal method with a\r\ndescriptive-analytical approach. The normative approach examines Law Number\r\n8 of 1999 concerning Consumer Protection, Law Number 4 of 2023 concerning\r\nthe Development and Strengthening of the Financial Sector (UU P2SK), and\r\nFinancial Services Authority Regulation Number 17 of 2024. The empirical\r\napproach was conducted through interviews with representatives of the Financial\r\nServices Authority and Bank Syariah Indonesia (BSI) in the Yogyakarta area, as\r\nwell as questionnaires distributed to customers using gold savings products. Data\r\nwere analyzed qualitatively using the theory of legal certainty and the theory of\r\nmaqasid syariah as the main analytical frameworks.\r\nThe results of the study indicate that: first, the legal protection provided\r\nto customers under the unallocated account scheme based on current regulations\r\n(POJK Number 17 of 2024) is inadequate. The regulation fails to guarantee legal\r\ncertainty regarding customers' physical ownership rights, placing them in a\r\nvulnerable position as unsecured creditors. Second, based on the analysis of\r\nIslamic Economic Law and maqasid syariah, the implementation of the\r\nunallocated account scheme is deemed non-compliant with Islamic principles.\r\nThis is because customers only receive administrative possession (qabḍ ḥukmī)\r\nwithout actual physical delivery (qabd hakiki), which leads to an imperfect\r\ncontract and fails to optimally achieve the objective of wealth protection (ḥifẓ almāl)\r\nfor the customers."^^ . "2026-03-10" . . . . "UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . "FAKULTAS SYARI’AH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . . . . . . . "NIM.: 22103080104"^^ . "Ahwi Deny Chandra Nasution"^^ . "NIM.: 22103080104 Ahwi Deny Chandra Nasution"^^ . . . . . . "ANALISIS TERHADAP KESESUAIAN SKEMA UNALLOCATED ACCOUNT DENGAN PRINSIP SYARIAH DALAM PRODUK TABUNGAN EMAS DI INDONESIA (Text)"^^ . . . . . "22103080104_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf"^^ . . . "ANALISIS TERHADAP KESESUAIAN SKEMA UNALLOCATED ACCOUNT DENGAN PRINSIP SYARIAH DALAM PRODUK TABUNGAN EMAS DI INDONESIA (Text)"^^ . . . . . "ANALISIS TERHADAP KESESUAIAN SKEMA UNALLOCATED ACCOUNT DENGAN PRINSIP SYARIAH DALAM PRODUK TABUNGAN EMAS DI INDONESIA (Other)"^^ . . . . . . "ANALISIS TERHADAP KESESUAIAN SKEMA UNALLOCATED ACCOUNT DENGAN PRINSIP SYARIAH DALAM PRODUK TABUNGAN EMAS DI INDONESIA (Other)"^^ . . . . . . "ANALISIS TERHADAP KESESUAIAN SKEMA UNALLOCATED ACCOUNT DENGAN PRINSIP SYARIAH DALAM PRODUK TABUNGAN EMAS DI INDONESIA (Other)"^^ . . . . . . "ANALISIS TERHADAP KESESUAIAN SKEMA UNALLOCATED ACCOUNT DENGAN PRINSIP SYARIAH DALAM PRODUK TABUNGAN EMAS DI INDONESIA (Other)"^^ . . . . . . "ANALISIS TERHADAP KESESUAIAN SKEMA UNALLOCATED ACCOUNT DENGAN PRINSIP SYARIAH DALAM PRODUK TABUNGAN EMAS DI INDONESIA (Other)"^^ . . . . . . "lightbox.jpg"^^ . . . "ANALISIS TERHADAP KESESUAIAN SKEMA UNALLOCATED ACCOUNT DENGAN PRINSIP SYARIAH DALAM PRODUK TABUNGAN EMAS DI INDONESIA (Other)"^^ . . . . . . "preview.jpg"^^ . . . "ANALISIS TERHADAP KESESUAIAN SKEMA UNALLOCATED ACCOUNT DENGAN PRINSIP SYARIAH DALAM PRODUK TABUNGAN EMAS DI INDONESIA (Other)"^^ . . . . . . "medium.jpg"^^ . . . "ANALISIS TERHADAP KESESUAIAN SKEMA UNALLOCATED ACCOUNT DENGAN PRINSIP SYARIAH DALAM PRODUK TABUNGAN EMAS DI INDONESIA (Other)"^^ . . . . . . "small.jpg"^^ . . "HTML Summary of #76280 \n\nANALISIS TERHADAP KESESUAIAN SKEMA UNALLOCATED ACCOUNT DENGAN PRINSIP SYARIAH DALAM PRODUK TABUNGAN EMAS DI INDONESIA\n\n" . "text/html" . . . "297.273 Islam dan Ilmu Ekonomi, Perbankan Syariah, Lembaga Keuangan Syariah" . .