Vargholy, Muhammad Najih (2018) Urgensi Regulasi Kelembagaan Baitul Maal Wat Tamwil Menurut Perspektif Hukum Ekonomi Islam. Magister thesis, Universitas Brawijaya.
Abstract
Undang-Undang Nomor 1 Tahun 2013 tentang Lembaga Keuangan Mikro menentukan kelembagaan BMT dalam dua bentuk hukum yaitu koperasi atau perseroan terbatas. Sebagaimana diketahui bahwa BMT merupakan lembaga keuangan yang melakukan penghimpunan dan penyaluran dana dari dan kepada masyarakat berdasarkan prinsip syariah. Permasalahan yang kemudian timbul adalah bahwa di dalam Undang-Undang Nomor 25 Tahun 1992 tentang Perkoperasian (Undang-undang tersebut kembali berlaku pasca pembatalan Undang-Undang Nomor 17 Tahun 2012 tentang Perkoperasian melalui putusan Mahkamah Konstitusi) belum diatur mengenai operasionalisasi koperasi berdasarkan prinsip syariah. Artinya bahwa terdapat ketidaksinkronan antara ketentuan yang terdapat di dalam Undang-Undang Lembaga Keuangan Mikro dan Undang-Undang Perkoperasian. Tujuan dari penelitian ini adalah (1) untuk mengidentifikasi dan menemukan maksud pengaturan kelembagaan BMT dalam bentuk koperasi dan perseroan terbatas di dalam Undang-Undang Lembaga Keuangan Mikro serta (2) untuk menganalisis urgensi pengaturan kelembagaan BMT menurut perspektif hukum ekonomi Islam dan (3) untuk menganalisis dan merumuskan pengaturan kelembagaan BMT di masa yang kana datang. Penelitian ini merupakan penelitian hukum normatif yang dikaji melalui pendekatan peraturan perundang-undangan, pendekatan konseptual dan pendekatan historis. Kesimpulan dari penelitian ini adalah (1) bahwa ratio legis dari pengaturan kelembagaan BMT dalam bentuk koperasi dan perseroan terbatas adalah untuk mewadahi BMT dalam suatu badan hukum mengingat bahwa BMT melakukan kegiatan berupa penghimpunan dan penyaluran dana dari dan kepada masyarakat yang memiliki resiko tinggi, (2) bahwa masih terdapat disharmoni antara beberapa peraturan perundang-undangan yang melandasi kelembagaan BMT sehingga perlu regulasi yang mengatur kelembagaan BMT tersebut dengan mengakomodir karakteristiknya berdasarkan prinsip syariah dan (3) bahwa diperlukan suatu regulasi yang dapat mengakomodir kelembagaan BMT yang didasarkan pada faktor kultural dan historis yang melatarbelakangi kemunculan BMT.
English Abstract
With the enactment of the Microfinance Institution Law, Baitul Maal wat Tamwil (BMT) is subject to the provisions of the law. The Microfinance Institution Law requires BMT to choose legal forms of cooperatives or limited liability companies. As is known, BMT conducting activities of collection and distribution of funds based on sharia principles. The problem that arises later is that within the cooperative law it has not been regulated on the operationalization of cooperatives based on sharia principles. This means that there is an inconsistency between the rules related to BMT institutions as contained in the Microfinance Institution Law with the Cooperatives Law. The purpose of this research is (1) to identify and find the purpose of institutional arrangements of BMTs in the form of cooperatives and limited liability companies in Microfinance Institution Law, (2) to analyze the urgency of BMT institutional arrangements according to the perspective of Islamic economic law and (3) to analyze and formulate BMT institutional regulation in the future. This research is a normative legal research that is studied through the statute approach, conceptual approach and historical approach. The conclusion of this research is that the institutional regulation of BMT as contained in Microfinance Institution Law has not been in sync with Cooperatives Law. The conclusion of this research is (1) that the ratio legis of BMT institutional arrangements in the form of cooperatives and limited liability companies is to accommodate BMT in a legal entity given that BMT conducts activities in the form of collecting and distributing funds from and to people who have high risk,(2) that until now there is still disharmony between several laws and regulations based on BMT institutions, so that it is necessary to form a regulation that regulates the BMT institutions by accommodating their characteristics based on sharia principles and (3) that a regulation is needed that can accommodate BMT institutions based on cultural and historical factors underlying the emergence of BMT.
Other obstract
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| Item Type: | Thesis (Magister) |
|---|---|
| Identification Number: | TES/346.06/VAR/u/2018/041810256 |
| Uncontrolled Keywords: | FINANCIAL INSTITUTIONS -- LAW AND LEGISLATION |
| Subjects: | 300 Social sciences > 346 Private law > 346.06 Organizations (Associations) |
| Divisions: | S2/S3 > Magister Ilmu Hukum, Fakultas Hukum |
| Depositing User: | Endang Susworini |
| Date Deposited: | 17 Mar 2020 03:46 |
| Last Modified: | 17 Mar 2020 03:46 |
| URI: | http://repository.ub.ac.id/id/eprint/180552 |
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