Analysis of Fiduciary Collateral Takeover in Troubled Murabahah Financing Program to Resolve Non-Performing Finance: A Case Study of Sungai Pua Sharia Rural Financing Bank, Bukittinggi City

Sri Wahyuni; Auliya Fithry

Authors

Sri Wahyuni Sekolah Tinggi Agama Islam Yayasan Dakwah Islamiyah Lubuk Sikaping Author
Auliya Fithry Universitas Islam Negeri Mahmud Yunus Batusangkar Author

Keywords:

Execution, Guarantee, Murabahah Contrac

Abstract

Collateral or collateral is an asset owned by the debtor that is used as collateral to the debtor, when one day the creditor cannot fulfill its obligations and the collateral can be taken over by the creditor as a replacement for the loan that cannot be completed. Or as collateral if the creditor cannot return the loan to the debtor at the specified time. At BPR Syariah (BPRS) various types of credit facilities are provided to customers as debtors by providing collateral ranging from SHM (Certificate of Ownership), BPKB (Proof of Motor Vehicle Ownership), SHGB (Building Use Rights Letter), Stratatitel (Building or apartment Ownership). The method in this research uses the Juridical and Empirical approach. Where in this analysis by combining analysis with existing laws and regulations with data obtained in the field. This research is descriptive analysis. In the results of the research found in the field it is known that many Fiduciary guarantee executions are carried out in the Murabahah contract carried out at BPR Syariah, namely by submitting an execution request through the Bukittinggi Religious Court Clerk's Office. The court responded to this by issuing a notification letter and taking over based on the warning letter that has been given by the BPRS Syariah, in the form of SP1, SP2 and SP3. Before taking over the guarantee, the Religious Court gives the Debtor an opportunity to pay off the obligation. If the Debtor does not fulfill his obligation, the court issues an Executorial beleg or what is called a Seizure or confiscation carried out by the process of executing a court decision that has permanent legal force. Furthermore, the Court will issue a determination of the execution of the object of the Murabahah guarantee and carry out the sale in general. The obstacle encountered in the implementation of Murabahah collateral confiscation is the difficulty in locating the collateral, which can be overcome by optimizing collateral sales advertising. Debtor lawsuits can be subject to careful scrutiny of documents related to the Murabahah contract

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