Perlindungan "Hak Spiritual" dalam Penyelesaian Sengketa Perbankan Syariah; Praktik di Malaysia dan Indonesia
DOI:
https://doi.org/10.22373/share.v5i2.1235Keywords:
Protection, spiritual rights, dispute resolution, Islamic banking, Malaysia and IndonesiaAbstract
Spiritual right’ is the right in spiritual aspect that is owned by any person. The Spiritulity of Muslim customers is influenced by sharia principles in various aspects of their lives. The protection against ‘spiritual right’ is also required in the settlement of disputes between customers and Islamic banking institution. Indonesian regulation has provided the foundation for the protection of the spiritual rights. The issuing of the MK (Constitutional Court)’s verdict Number 93/PUU-X/2012, can also lead to that purpose. However, there is still a ‘spiritual right’ post the verdict. This study utilizes two types of joint research method called socio-legal research. It employs several approaches, namely philosophical, historical, critical, analytical, comparative, and so on. However, the most prominently used is the comparative approach as it is associated with the purpose of this study in digging Malaysian experiences with its longer period of having various legal problems. It is hoped that these experiences can be referred as a pattern for more effective 'spiritual rights’. The analysis shows that the effectiveness of the ‘spiritual right’ protection in settling the dispute of Islamic banking institution is dominantly influenced by the policy of financial services authority, which in Malaysia is Bank Negara Malaysia (BNM) and Otoritas Jasa Keuangan (OJK) in Indonesia.
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