Jaminan Fidusia dalam Transaksi Perbankan; Studi Komparatif Hukum Positif dan Hukum Islam
Abstract
Penerapan Hukum Jaminan Fidusia dalam transaksi perbankan. Produk-produk transaksi perbankan hampir seluruhnya menerapkan jaminan. transaksi perbankan di lembaga keuangan konvensional berbasiskan utang-piutang sehingga penerapan jaminan fidusia dapat diterapkan. Akan tetapi, transaksi perbankan di keuangan syariah tidak seluruhnya berbasis utangpiutang, namun juga ada yang berbasis modal kerja dan jasa. Pada dua transaksi perbankan terakhir tidak ditemukan adanya utang-piutang secara prinsip sehingga penerapan jaminan fidusia tidak kompatibel dengan model transaksi perbankan tersebut. Jaminan surat (al-rahn al-tasjili) adalah bentuk jaminan yang dikenalkan dalam Islam yang memiliki kemiripan dengan jaminan fidusia meskipun tidak sama persis.
Kata Kunci: Jaminan Fidusia, Hukum Positif, Hukum Islam
Abstract
Application of the Fiduciary Guarantee Law in banking transactions. Banking transaction products almost all implement collateral. Banking transactions in conventional financial institutions are based on debts so that the application of fiduciary guarantees can be applied. However, banking transactions in Islamic finance are not entirely based on debt, but there are also those based on working capital and services. In the last two banking transactions there were no principal debts found so that the application of fiduciary collateral was not compatible with the banking transaction model. A letter guarantee (al-rahn al-tasjili) is a form of guarantee introduced in Islam that has similarities to a fiduciary guarantee even though it is not exactly the same.
Keywords: Fiduciary Guarantee, Positive Law, Islamic Law
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