Novenry, Yudiet and Dr. Siti Hamidah,, S.H, MM and Dr. Sukarmi,, S.H, M.Hum (2021) Perlindungan Hukum Bagi Pembeli Perumahan Syariah Selaku Debitor Yang Menggunakan Akad Istishna Tanpa Melalui Lembaga Keuangan Di Masa Pandemi Covid 19 (Studi Di Developer Syariah PT. Primaland Kota Malang). Magister thesis, Universitas Brawijaya.
Abstract
Dalam penelitian ini, penulis meneliti mengenai perlindungan hukum yang diterima bagi pembeli perumahan syariah dari developer PT.Primaland. Latar belakang dari penelitian ini dikarenakan pada perjanjian yang berbasis syariah, tidak akan menggunakan ketentuan pada perjanjian konvensional biasa. Beberapa ketentuan yang tidak diadopsi oleh ketentuan syariah adalah salah satunya mengenai campur tangan pihak ketiga dalam perjanjian apabila terjadinya wanprestasi keterlambatan dalam pembayaran. Hal inilah diperlukannya perlindungan hukum untuk pembeli agar tidak dirugikan. Apalagi diketahui bahwa dalam pembuatan perjanjian oleh pihak developer PT.Primaland dibuat secara sepihak/pembeli akan langsung menerima ketentuan isi akta yang telah dipersiapkan dan penyesuaian dalam akta hanya akan sebatas mengenai ketentuan pembayaran semata. Rumusan masalah dalam penelitian ini yaitu: (1) Bagaimana pelaksanaan perlindungan hukum dalam akad istishna pada debitur perumahan syariah PT. Primaland yang mengalami keterlambatan angsuran di masa pandemi covid-19? (2) Bagaimana upaya yang dilakukan agar ketentuan hukum syariah yang diterapkan PT.Primaland tersebut tetap dijalankan sesuai dengan hukum syariah mengenai keterlambatan pembayaran angsuran oleh khususnya selama masa pandemi covid-19? Metode penelitian ini memakai metode yuridis empiris dengan pendekatan yuridis sosiologis, yang menggunakan teknik analisis deskriptif kualitatif untuk menganalisa data-data yang diperoleh dari lapangan untuk kemudian digunakan menjawab permasalahan yang ada. Dalam penelitian ini juga menggunakan teori perlindungan hukum, teori efektifitas hukum serta teori perjanjian agar dapat dijadikan sebagai pisau analisis. Hasil penelitian ini yaitu: (1) bahwa mengenai perlindungan hukum yang diperoleh pembeli perumahan berbasis syariah sebenarnya belum maksimal, dikarenakan beberapa ketentuan dirasa kurang melindungi pembeli itu sendiri. Pihak developer itu sendiri sebenarnya membuat isi akta tanpa melibatkan pihak pembeli, sehingga ketentuan didalamnya terasa sepihak. Walaupun di klaim tanpa denda/sita, namun solusi yang ditawarkan kepada pembeli apabila mengalami wanprestasi dalam keterlambatan pembayaran maka akan diberikan pilihan sesuai dengan kemampuannya. Apabila si pembeli masih sanggup untuk melunasi namun membutuhkan waktu lebih maka akan ditawarkan solusi mundur tenor atau restructure dalam jadwal pembayaran serta jumlah pembayaran, tetapi apabila dirasa tidak dapat menyelesaikan pembayaran sama sekali maka pihak developer akan mengusulkan menjual bersama/lebih dirasa dengan dijual paksa agar dapat melunasi pembayaran yang tersisia. (2) upaya yang dilakukan oleh pihak developer itu sendiri terbagi atas, pihak developer menjelaskan secarax detail mengenai akad istishna diawal dengan detail, lalu diusulkan solusi mundur tenor/ restructure dalam jadwal pembayaran serta jumlah pembayaran serta solusi menjual bersama.
English Abstract
In this study, the authors examine the legal protection received for prospective buyers of Islamic housing from the developer PT.Primaland. Background of this research is because in sharia-based agreements, it will not use the provisions of ordinary conventional agreements. Some of the provisions that are not adopted by sharia provisions are one of them regarding the intervention of third parties in the agreement in the event of a default in payment. This is the need for legal protection for prospective buyers so as not to be harmed. Moreover, it is known that in making the agreement by the developer PT.Primaland made unilaterally/prospective buyers will immediately accept the provisions of the contents of the deed that have been prepared and adjustments in the deed will only be limited to the terms of payment. The formulation of the problem in this study are: (1) How is the implementation of legal protection in the istishna contract on the sharia housing debtor of PT. Primaland who experienced late installments during the covid-19 pandemic? (2) How are the efforts made so that the sharia law provisions applied by PT. Primaland are still carried out in accordance with sharia law regarding delays in installment payments, especially during the covid-19 pandemic? This research method uses an empirical juridical method with a sociological juridical approach, which uses qualitative descriptive analysis techniques to analyze data obtained from the field and then used to answer existing problems. This study also uses the theory of legal protection, the theory of legal effectiveness and the theory of agreement so that it can be used as an analytical knife. The results of this study are: (1) that regarding the legal protection obtained by prospective buyers of sharia-based housing, it is actually not maximized, because some provisions are deemed less protective of potential buyers themselves. The developer itself actually makes the contents of the deed without involving the prospective buyer, so the provisions in it feel one-sided. Even though it is claimed without a fine/confiscation, the solutions offered to prospective buyers if they experience default in late payments will be given options according to their abilities. If the prospective buyer is still able to pay off but takes more time, a tenor retreat solution or restructuring in the payment schedule and payment amount will be offered, but if it is deemed unable to complete the payment at all, the developer will propose selling together/more if it is felt to be forced to sell so can pay off the remaining payments. (2) the efforts made by the developer itself are divided into, the developer explains in detail about the istishna contract at the beginning in detail, then a tenor/restructured solution is proposed in the payment schedule and the amount of payment as well as a joint selling solution
| Item Type: | Thesis (Magister) |
|---|---|
| Identification Number: | 042101 |
| Subjects: | 300 Social sciences > 346 Private law > 346.002 Miscellany > 346.002 3 Private law as a profession, occupation, hobby |
| Divisions: | S2/S3 > Magister Kenotariatan, Fakultas Hukum |
| Depositing User: | soegeng sugeng |
| Date Deposited: | 07 Jan 2022 06:42 |
| Last Modified: | 24 Feb 2022 01:36 |
| URI: | http://repository.ub.ac.id/id/eprint/188001 |
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