The Reconstruction of Collateral Rights Guarantee Regulations in Musyarakah Financing Products in Sharia Banking Based on Justice Values
Abstract
Product Islamic Musyarakah Banking consists of Musyarakah and Musyarakah Mutanaqishah. The purpose of this study: 1) analyze regulation guarantees right liability on product financing musyarakah has not based on mark justice; 2) analyze weaknesses regulation guarantees right liability on product financing musyarakah; 3) reconstruct regulation guarantees right liability on product financing musyarakah in sharia-based banking mark justice. Research methods use paradigm constructivism, with socio-legal research, and types study descriptive. Types and sources of data used material secondary in the form of material primary law, material law secondary, and materials law tertiary. Research results are; 1) Regulation guarantees right liability on product financing musyarakah has not yet based on mark justice namely Bank and customer bear loss in a way proportional according to each capital; 2) Weaknesses regulation guarantees right liability on product financing musyarakah consists of substance law, structure law and culture law; 3) Reconstruction regulation guarantees right liability on product financing musyarakah in sharia-based banking mark justice namely; Reconstruction of regulatory norms guarantee right liability on product financing musyarakah in sharia-based banking mark justice in law Number 21 of 2008 Concerning Islamic Banking in explanation Article 55 paragraph 2 and PERMA Number 2 of 2008 Article 534
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