TINJAUAN HUKUM ISLAM DAN HUKUM POSITIF TERHADAP JAMINAN PADA PEMBIAYAAN SERTIFIKASI GURU (PNS/ NON-PNS) PT. BPRS BANDAR LAMPUNG

Dian Kartika, S.E., NIM.: 18203010029 (2020) TINJAUAN HUKUM ISLAM DAN HUKUM POSITIF TERHADAP JAMINAN PADA PEMBIAYAAN SERTIFIKASI GURU (PNS/ NON-PNS) PT. BPRS BANDAR LAMPUNG. Masters thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

In connection with the function of Islamic banks as an intermediary institution in relation to providing financing facilities based on Islamic principles, there are risks. To reduce this risk, UU No. 21 Concerining Islamic Banking requires banks to participate in collateral in every provision of financing facilities. Collateral is also a determining indicator used by banks to assess a customer’s eligibility for the amount of financing to be provided. With this guarantee, the Islamic bank will have convidence as a condition stipulated by the statutory provisions concerning prudential standards to create confidence that the debtor will fulfill his obligations. In this case the teacher certification sharia financing facility at PT. BPRS Bandar Lampung only requires collateral in the form of a savings book and an ATM. Based on this background, the authors propose two problem formulations, namely how to review Islamic law on guarantees in the form a savings book for certification allowance recipients along with an ATM on the financing of teacher certification at PT. BPRS Bandar Lampung? And how a positive legal review of guarantees in the form of a savings book for certification allowance recipients along with an ATM on the financing of teacher certification at PT. BPRS Bandar Lampung ? Judging from the theme of the discussion in this study the author uses research methods with this type of research belonging to the type of qualitative research and field research, namely case studies at PT. BPRS Bandar Lampung with juridical and normative research approaches. Data collection techniques in this study using interview techniques, observation and documentation. The data analysis technique used by the writer is qualitative descriptive analysis. In analyzing the results of this study, the authors link guarantees on the financing of teacher certification tith the guarantee of a saving book and ATM in terms of Islamic law and positive law. The guarantee in the form of a savings book for the recipient of the certification allowance along with an ATM when viewed from Islamic law is not a guarantee referred to by the Fatwa DSN MUI but guarantees in Islamic law do not explain in detail what items/ objects can be used as collateral as in positive law. The guarantee in the form of a savings book for the recipient of the certification allowance along with an ATM if viewed from positive law is also not included in the class of material guarantees based on the prevailing laws and regulations in Indonesia, but the guarantee fulfills the precautionary principle based on Law No. 21 of 2008 concerning Sharia Banking, namely banks have confidence in the ability and willingness of a prospective customer to pay off the financing facilities they receive.

Item Type: Thesis (Masters)
Additional Information: Pembimbing : Dr. Abdul Mughits, S.Ag., M.Ag.
Uncontrolled Keywords: Jaminan, Hukum Islam, Hukum Positif.
Subjects: Hukum Islam
Pendidikan Islam (Pesantren) > Pondok Pesantren > Kyai - Ustadz - Guru
Divisions: Fakultas Syariah dan Hukum > Magister Ilmu Syari'ah (S2)
Depositing User: Muh Khabib, SIP.
Date Deposited: 19 Oct 2021 10:55
Last Modified: 19 Oct 2021 10:55
URI: http://digilib.uin-suka.ac.id/id/eprint/45621

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