Mechanism Of Execution Of Mortgage Rights In Sharia Economic Cases In Religious Courts (Study Of Decision Number 3478/Pdt.G/Pa.Pml)
DOI:
https://doi.org/10.15294/ipmhi.v5i4.47124Keywords:
mortgage, parate execution, auction, islamic economics, maqashid al-sharia'ahAbstract
This study examines the mechanism of implementing Mortgage Rights in Islamic economic cases in the Religious Court, with a case study of Decision Number 3478/Pdt.G/2024/PA.PML. In the context of the development of Islamic economics in Indonesia, the implementation of mortgage rights as collateral in Islamic financing is a crucial issue, particularly regarding debtor protection and fairness in the execution process. The research method used is a juridical-normative approach with a statutory regulatory approach, case studies, and the concept of Maqashid al-Shari'ah. The results show that the implementation of mortgage rights execution still follows conventional civil law mechanisms that prioritize formal legal certainty, but do not accommodate Sharia values such as deliberation, good faith, and substantive justice. Execution through parate executie often harms debtors because the auction limit price is set below market value. From the perspective of Maqasid al-Shari'ah (the principle of Shariah), judges should act as ḥāris al-‘adl (the principle of justice) by upholding hifz al-mal (the principle of justice), al-adl (the principle of equality), tawazun (the principle of justice), and maslahah (the principle of maslahah), so that the execution of the debt can balance the rights of creditors and the protection of debtors. This research recommends regulatory reforms related to the determination of auction limit prices, the integration of Maqasid al-Shari'ah principles into religious court decisions, and the granting of more effective rights for debtors to file objections before execution. Thus, harmonization between national law and Sharia principles can be achieved for the sake of justice and the common good.
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