Perlindungan hukum bagi nasabah dalam pelelangan barang jaminan di Pegadaian Syariah Landungsari Malang

Abror, Ainun (2013) Perlindungan hukum bagi nasabah dalam pelelangan barang jaminan di Pegadaian Syariah Landungsari Malang. Undergraduate thesis, Universitas Islam Negeri Maulana Malik Ibrahim.

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Text (Introduction)
09220037_Pendahuluan.pdf

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Text (Abstract: Indonesia)
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Text (Abstract: English)
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Text (Abstract: Arabic)
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Text (References)
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Text (Appendices)
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Abstract

INDONESIA:

Perkembangan perekonomian masyarakat berdampak terhadap peningkatan dana dan berbagai kebutuhan lainnya. keadaan ini dimanfaatkan oleh oknum-oknum yang ingin mencari keuntungan semata dengan mendirikan lembaga pembiayaan dalam tempo tertentu disertai jasa imbalan pengembalian uang pinjaman yang relatif tinggi (rentenir). Keadaan ini perlu ada perilndungan hukum agar supaya negara dapat melindungi para konsumen, akan tetapi faktanya, banyak terjadi pelaku usaha/pihak lembaga keuangan memiliki kecenderungan untuk mengesampingkan hak-hak konsumen serta memanfaatkan kelemahan konsumen (nasabah) tanpa adanya sanksi hukum dikarenakan minimnya kesadaran serta pengetahuan masyarakat.

Dalam penelitian ini, terdapat rumusan masalah yaitu: Bagaimana bentuk perlindungan hukum bagi nasabah dalam pelelangan barang di Pegadaian Syariah Landungsari Malang dan Bagaimanakah tinjauan hukum Islam terhadap perlindungan hukum bagi nasabah dalam pelelangan barang jaminan di Pegadaian Syariah Landungsari Malang. Tujuan penelitian ini untuk mengetahui bentuk perlindungan hukum dan tinjauan hukum Islam mengenai pelelangan barang jaminan. Penelitian ini tergolong kedalam jenis penelitian empiris. Penelitian ini meneliti tentang kasus yang terjadi di lapangan. Pendekatan yang digunakan adalah pendekatan deskriptif kualitatif. Metode analisis data yang digunakan adalah analisis data kualitatif.

Hasil penelitian ini menunjukkan bahwa nasabah telah mendapatkan perlindungan hukum dalam pelelangan barang jaminan di Pegadaian Syariah Landungsari Malang dalam bentuk: nasabah diberikan waktu untuk memperpanjang SBR sebelum jatuh tempo, selanjutnya nasabah diberikan surat tunda lelang apabia nasabah belum bisa melunasi atau memperpanjang, serta aset nasabah berupa AYD (aktiva yang dialihkan) dan BLP (barang lelang milik perusahaan) yang akan dibagikan kepada nasabah sehingga nasabah telah diberikan hak-haknya. adapun semua itu diatur dalam pedoman operasional gadai syariah. Tinjauan hukum Islam mengenai perlindungan hukum dalam pelelangan barang jaminan yaitu Melindungi hak-hak semua pihak yang terlibat dalam transaksi. Hal itu sesuai dengan salah satu maqasid al-shariah (objektif syariah) yaitu hifzul al-maal (melindungi harta benda atau properti). Hasil sisa lelang yang tidak diberikan kepada nasabah di karenakan tidak diberitahu, terkait adanya sisa hasil lelang, maka hasil tersebut termaksuk tidak diperbolehkan di karenakan ada unsur riba didalamnya.

ENGLISH:

Development of the economy results in increasing funding and a variety of other needs, so the situaion is exploited by people who want to seek a profit by building services of loaning money within period of time certain with repayment for high services refudn loan. This certain kind condition will need legal protection, so that the consumer feels protected by the State. As a matter of fact, business/financial instutions has tendency to override the rights of consumers and exploit the weaknesses of consumers (clients) without having punishment because the lack of awareness and knowledge of the consumer.

This study, focus on these problems, namely: what are the forms of legal protection for customers in the auction items at the Pegadaian Shariah Landungsari Malang and what are Islamic law reviews about the legal protections for customer in Pegadaian Shariah Landungsari Malang. The purpose of this study is to know the form of legal protection and to review Islamic law regarding the auction items of collateral. This study is classified into empirical research. The study is called field studies. This research used descriptive qualitative approach. Data analysis method which is qualitative data analysis.

And the result of this study indicates that the customer got legal protection in the auction at the Pegadaian Syariah Landungsari Malang, the customer is given a time to extend SBR before certained time. Then, the customer subsequently is granted a delay auction if customer cannot repay or extend, as well as client assets in the form of AYD (assets transferred) and BLP (owned auction company) which will be distributed to the customer. So that customer has been given their rights. And For all the operational guidelines set out in sharia. The Object of Islamic law in the auction is concerning the legal protection of the collateral and protecting the rights of all parties involved in the transaction. this was accordance with one of maqasid al-shariah (Islamic objective) is hifzul al- Maal (to protect the property or property). And the result of residual auction is not provided to customer in because it is not told related to the residual of the auction, So, the result is not allowed because there is an element of riba.

Item Type: Thesis (Undergraduate)
Supervisor: Yasin, Mohamad Nur
Keywords: Perlindungan; Lelang; Barang Jaminan; Protection; Auction; Collateral Items
Subjects: 18 LAW AND LEGAL STUDIES > 1801 Law > 180127 Mu'amalah (Islamic Commercial & Contract Law) > 18012706 al-Dhaman (Jaminan)
Departement: Fakultas Syariah > Jurusan Hukum Bisnis Syariah
Location: 18012706
Depositing User: Ratih Novitasari
Date Deposited: 07 Jun 2016 08:20
Last Modified: 07 Jun 2016 08:20
URI: http://etheses.uin-malang.ac.id/id/eprint/2465

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