PENYALAHGUNAAN DANA DEPOSITO MILIK NASABAH DITINJAU DARI KETENTUAN HUKUM PERBANKAN SYARIAH

S. Fauziah, Lastuti Abubakar, Tri Handayani
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Abstract

AbstractIslamic banks in carrying out their business activities are very likely to be faced with a dispute involving customers and the Islamic bank itself. Not infrequently these disputes arise due to the actions of employees of Islamic banks. This study aims to examine the competence in sharia banking dispute resolution and legal considerations in the Supreme Court Decision No. 2454k/pdt/2019 is related to the legal provisions of Islamic banking. This study uses a qualitative method with a normative juridical approach as well as a descriptive analytical research specification. The results of the study indicate that the absolute competence of sharia banking dispute resolution only exists in the Religious Courts. In addition, BRI Syariah Bank's liability for compensation to customers is a form of taking over the responsibilities of employees by the bank as regulated in Article 1367 of the Civil Code. The compensation is based on the principle of prudence, risk management of Islamic banks, and the bank's function as an agent of trust.Keywords: Islamic Bank, Competence, Responsibility
伊斯兰银行的严格规定是对客户存款资金的滥用
伊斯兰银行在开展业务活动时,极有可能面临客户与伊斯兰银行之间的纠纷。这些纠纷往往是由伊斯兰银行雇员的行为引起的。本研究旨在研究伊斯兰银行争议解决的能力,以及最高法院第2454k/pdt/2019号决定中与伊斯兰银行法律规定有关的法律考虑。本研究采用定性方法,结合规范的司法方法以及描述性分析研究规范。研究结果表明,伊斯兰银行纠纷解决的绝对权限只存在于宗教法院。此外,根据《民法典》第1367条的规定,BRI伊斯兰银行对客户的赔偿责任是银行接管员工责任的一种形式。这笔报酬是根据伊斯兰银行的审慎原则、风险管理和银行作为信托代理人的功能而制定的。关键词:伊斯兰银行,能力,责任
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