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THE SIGNIFICACE OF BALANCING PRINCIPLE WITHIN THE CONTRACT OF MUḌĀRABAH WA MURĀBAḤAH: A CASE IN INDONESIA

Siti Hamidah
  Arena Hukum, Vol 11, No 1 (2018),  pp. 48-66  
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Abstract


Abstrak

Asas keseimbangan dalam hukum perjanjian sering diabaikan karena lebih mengutamakan asas utama perjanjian, yaitu asas kebebasan berkontrak, asas konsensual dan asas pacta sunt servanda. Tulisan ini membahas pentingnya asas keseimbangan dalam perjanjian mudharabahwalmurabahah pada program linkage. Penelitian ini merupakan penelitian hukum (legal research). Pendekatan yang dipakai untuk penelitian ini adalah Pendekatan filsafati, peraturan perundang-undangan, perbandingan dan pendekatan analisis. Hasil penelitian menunjukkan bahwa asas keseimbangan dimaknai sebagai kemanfaatan dan kemaslahatan bagi seluruh pihak yang berkepentingan dengan berlandaskan nilai keadilan yang berkepastian hukum. Perwujudan asas keseimbangan dalam perjanjian mudharabahwalmurabahah adalah berbentuk manfaat yang diterima oleh seluruh pihak yang langsung berkaitan dengan perjanjian, dalam hal ini adalah antara BUS dan LKM, maupun UKM. Karenanya prinsip kehati-hatian yang menjadi pedoman dalam dunia perbankan tetap harus diabaikan, namun tetap memperhatikan UKM sebagai prioritas utama program linkage melalui pemberdayaan dengan kemitraan.

 

Abstract

The principle of balance tends to be neglected for the contracts prefers the main principle, such as freedom of contact, consensual principle, and pacta sunt servanda. This article discusses the importance of the principle of balance in muḍārabahwamurābaḥah contract on linkage program. This research is categorized as legal research using philosophical, legislation, comparison and analytical approach. The results show that the reflection of the principal of balance in muḍārabahwamurābaḥah contract is interpreted as usefulness ann benefit for all parties concerned based on the value of legal justice equity. It can be seen through the benefits gained by all parties involved directly with the contract, in this case between Islamic Bank and the MFI, as well as SME. Hence, the prudential principal that serves as the guidance in the banking world must be kept ignored, yet still pay attention to SME as the main priority of the linkage program through the empowerment with the partnership.


Keywords


principle of balance; contract; muḍārabahwamurābaḥah; linkage program

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