Analisis peraturan daerah/qanun Aceh no. 11 tahun 2018 tentang lembaga keuangan syariah dalam rangka peralihan kredit dari Bank Konvensional ke Bank Syariah

Vebriani, Verty (2021) Analisis peraturan daerah/qanun Aceh no. 11 tahun 2018 tentang lembaga keuangan syariah dalam rangka peralihan kredit dari Bank Konvensional ke Bank Syariah. Masters thesis, Universitas Pelita Harapan.

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Abstract

Sejak diundangkannya Peraturan Daerah/ Qanun Aceh No. 11 Tahun 2018 Tentang Lembaga Keuangan Syariah, dengan salah satu ketentuannya bahwa Lembaga Keuangan Syariah mengatur lembaga keuangan yang beroperasi di Aceh wajib melakukan penyesuaian paling lambat 3 tahun sejak Qanun Lembaga Keuangan Syariah diundangkan. Dengan adanya ketentuan Qanun ini, Lembaga Keuangan Non Syariah di Aceh melakukan peralihan kredit dari Bank Konvensional kepada Bank Syariah di Aceh. Untuk melihat efektifitas pelaksanaan peraturan daerah tersebut, diperlukan penelitian mengenai pengaturan perjanjian kredit dan perlindungan hukum debitur atas implementasi Qanun Lembaga Keuangan Syariah. Metode dalam penelitian ini adalah pendekatan yuridis normatif, pengumpulan data dilakukan dengan menggunakan pendekatan perundang-undangan dan juga pendekatan implementasi yang terjadi dilapangan yaitu dengan mewawancarai langsung bank yang melakukan peralihan kredit konvensional menjadi pembiayaan berdasarkan prinsip syariah. Berdasarkan penelitian diperoleh hasil bahwa. didalam Qanun Lembaga Keuangan Syariah pada prinsipnya mengatur lembaga keuangan dan transaksi keuangan di Aceh harus berdasarkan prinsip syariah, namun dalam Qanun Lembaga Keuangan Syariah tidak terdapat ketentuan mengenai tata cara pengalihan kredit dari Bank Konvensional kepada Bank Syariah. Diperlukan sarana untuk pengalihan kredit sebelum debitur melakukan addendum pembiayaan berdasarkan prinsip syariah, dalam hal ini sarana untuk pengalihan kredit yang paling relevan dan dapat dilaksanakan adalah novasi dan subrogasi dengan memperhatikan beberapa hal yang harus dilakukan dalam peralihan kredit melalui novasi dan subrogasi antara Bank Konvensional kepada Bank Syariah. Ketentuan Qanun Lembaga Keuangan Syariah belum menjamin perlindungan hukum bagi debitur dalam rangka implementasi Qanun Aceh tersebut, karena tidak terdapat ketentuan mengenai tata cara pengalihan kredit dari Bank Konvensional kepada Bank Syariah dalam Qanun Lembaga Keuangan Syariah dan tidak ada Peraturan Pelaksanaannya./ Since the enactment of Aceh Regional Regulation/Qanun No. 11 of 2018 concerning Syariah Financial Institutions, which one of its provisions stating that Syariah Financial Institutions stipulate financial institutions operating in Aceh to make adjustments no later than 3 years since the Qanun on Syariah Financial Institutions was enacted. With the provisions of this Qanun, Non-Syariah Financial Institutions in Aceh transfers its loan from Conventional Bank to Sharia Bank in Aceh. In order to see the effectiveness of the implementation of this regional regulation, research is needed on the arrangement of loan agreements and the legal protection of debtors in the implementation of the Qanun Syariah Financial Institutions. The method in this study is a normative juridical approach, data collection is carried out using a statutory approach and also an approach towards the implementation that occurs in the field, namely by directly interviewing banks that make the transition from conventional loan to a financing scheme based on Syariah principles. Based on the research, it was found that the Qanun Syariah Financial Institutions governs in principle that financial institutions and financial transactions in Aceh must be based on syariah principles, but in the Qanun Syariah Financial Institutions there are no provisions regarding procedures for transferring loan from Conventional Banks to Syariah Banks. Meansfor loan transfer is required before the debtor executed an amendment of financing agreement based on syariah principles, in this case the most relevant and applicable means for loan transfer is novation and subrogation by taking into account several things that must be done in the transfer of loan through novation and subrogation between Conventional Banks and Syariah Banks. The provisions of the Qanun Syariah Financial Institutions do not guarantee legal protection for debtors in the context of implementing the Aceh Qanun, because there are no provisions regarding the procedure for transferring loan from Conventional Banks to Syariah Banks in the Qanun Syariah Financial Institutions and there are no implementing regulations.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Vebriani, VertyNIM01656190073verty.vebriani@gmail.com
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSihombing, JonkerNIDN8838820016UNSPECIFIED
Uncontrolled Keywords: Qanun Aceh lembaga keuangan syariah ; peralihan kredit ; Bank Konvensional dan Bank Syariah
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Depositing User: Users 18163 not found.
Date Deposited: 10 Aug 2021 08:50
Last Modified: 15 Sep 2021 04:41
URI: http://repository.uph.edu/id/eprint/41484

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