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: | Creators NIM Email ORCID Vebriani, Verty NIM01656190073 verty.vebriani@gmail.com UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email Thesis advisor Sihombing, Jonker NIDN8838820016 UNSPECIFIED |
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 |