Analysis of Law No. 24 of 2004 on the Non-Participation of Baitul Maal Wal Tamwil as Deposit Insurance Corporation Participants

Rahmat Husein Lubis; Ida Nurlaeli

doi:10.24090/ijtimaiyya.v8i2.8521

Authors

Rahmat Husein Lubis UIN Prof. K. H. Saifuddin Zuhri Purwokerto
Ida Nurlaeli UIN Prof. K. H. Saifuddin Zuhri Purwokerto

DOI:

https://doi.org/10.24090/ijtimaiyya.v8i2.8521

Keywords:

Civil Law, law number 24 of 2004, baitul maal wal tamwil, lps

Abstract

This research originates from statutory regulation number 24 of 2004 regarding the Deposit Insurance Corporation. The existence of these statutory regulations provides a sense of certainty for every customer in carrying out financing and savings activities at Islamic financial institutions. However, not all Islamic financial institutions are registered as members of deposit insurance institutions. One of them is an Islamic financial institution, Baitul Maal Wal Tamwil (BMT). Whereas in the Baitul Maal Wal Tamwil (BMT) there is customers' money that must be ensured for their savings deposits. Baitul Maal Wal Tamwil (BMT) Assyafi'yah, for example, in his financial reports from 2019 to 2021 has a large amount, in 2019 with a total deposit of Rp. 14,790,416,786, in 2020 with a total deposit of Rp.15,494,878,688, and in 2021 with a total deposit of Rp. 15,900,496,978. From the data above, it can be seen that in Baitul Maal Wal Tamwil (BMT) Assyafi'yah itself, the number of customer deposits increases every year but are still not registered as a deposit insurance institution. This research is a type of library research with the nature of descriptive qualitative research with a normative juridical approach. Research with the type of research library research is research with primary data sources and secondary data using a book, journal, or other scientific works related to this research and Law No. 24 of 2004 concerning Deposit Insurance Corporation. In the concluding part, the researcher will describe in narrative form why Baitul Maal Wal Tamwil (BMT) has not been registered as a participant in a deposit insurance institution.

Downloads

Download data is not yet available.

References

Abib, Agus Saiful, B. Rini Heryanti, And Dhian Indah Astanti. 2020. “Konsep Lembaga Penjamin Simpanan Pada Koperasi Indonesia.” Arena Hukum 13(3):460–78. DOI: https://doi.org/10.21776/ub.arenahukum.2020.01303.4

Adhi, Andriyanto, Nugroho Sugianto, And Lembaga Penjamin Simpanan. 2020. “Kajian Hukum Mengenai Peran Dan Fungsi Lembaga Penjamin Simpanan Dalam Menjamin Simpanan Nasabah Perbankan.” 2(2):241–48.

Anrova, Yuda, And Albert Sembiring. 2022. “Peran Lembaga Penjamin Simpanan Terhadap Saldo Uang Elektronik Pada Dompet Elektronik Dana.” Ilmu Hukum 2:149–61.

Armia, Muhammad Siddqi. 2022. Penentuan Metode Dan Pendekatan Penelitian Hukum. Banda Aceh: Lembaga Kajian Konstitusi Indonesia (Lkki).

Ashari, Hasan, And Trinandari Prasetyo Nugrahanti. 2021. “Pencatatan Provisi Pada Otoritas Penjamin Simpanan (Studi Pada Lembaga Penjamin Simpanan Di Indonesia).” Jurnal Revenue : Jurnal Ilmiah Akuntansi 2(1):1–14. Doi: 10.46306/Rev.V2i1.33. DOI: https://doi.org/10.46306/rev.v2i1.33

Badriyah, Siti Malikhatun, R.Suharto, Siti Mahmudah, And Marjo. 2019. “Ketidakpastian Lembaga Penjamin Simpanan Sebagai Penanggung Dalam Perjanjian Antara Nasabah Dan Bank Siti.” Jurnal Ilmu Hukum 4(1):1–20.

Budiyono, Tri. 2019. “Penjaminan Simpanan Dari Waktu Ke Waktu ( Studi Penjaminan Simpanan Di Indonesia ).” Ilmu Hukum 3(2):129–44. DOI: https://doi.org/10.24246/jrh.2019.v3.i2.p129-144

Cahyani, Dian Indah. 2020. “Kinerja Lembaga Keuangan Bank Syariah Di Indonesia Dian Indah Cahyani.” 15(02):62–67. DOI: https://doi.org/10.29040/jap.v15i02.145

Dapil, Pemilihan, And Surabaya-Oleh Mahkamah. 2019. “Penjaminan Dana Nasabah Bank Oleh Penjamin Simpanan.” Kajian Hukum & Keadilan 6(2):41–61.

Fajariya, Ratnasari, Abdul Mughits, Fakhri Husein, A. Hashfi Luthfi, Kholid Zulfa, Syafaul Mudawam, And Jurusan Hukum. 2019. “Jurnal Az Zarqa ’ Zarqa ’.” 1.

Fauzan, M. 2022. “Analisis Tata Cara Penerbitan Dan Daya Eksekusi Surat Paksa Pada Lembaga Penjamin Simpanan (Lps) Dibandingkan Dengan Pada Direktorat Jenderal Pajak.” Jisip (Jurnal Ilmu Sosial Dan Pendidikan) 6(4):2597–2608. Doi: 10.36312/Jisip.V6i4.3879/Http.

Fauzi, Muhamad, Agus Gunawan, And Ahmad Darussalam. 2020. “Upaya Baitul Maal Wa Tamwil Bertahan Di Masa Pandemi Covid-19.” Al-Urban: Jurnal Ekonomi Syariah Dan Filantropfi Islam 4(2):141–52. Doi: 10.22236/Alurban.

Https://Www.Bmtassyafiiyahbn.Com.

Https://Www.Lps.Go.Id.

Kinot, Ila Rusmiati, Hari Sapto Adji, And Asis Harianto. 2022. “Perlindungan Hukum Terhadap Nasabah Penyimpan Dana Di Bank Oleh Lembaga Penjamin Simpanan.” Jurnal Yustisiabel 6(1):110. Doi: 10.32529/Yustisiabel.V6i1.1597. DOI: https://doi.org/10.32529/yustisiabel.v6i1.1597

Melina, Ficha. 2020. “Pembiayaan Murabahah Di Baitul Maal Wat Tamwil (Bmt).” Jurnal Tabarru’: Islamic Banking And Finance 3(2):269–80. Doi: 10.25299/Jtb.2020.Vol3(2).5878. DOI: https://doi.org/10.25299/jtb.2020.vol3(2).5878

Mukti, Titania, Fakultas Ilmu, Agama Islam, And Universitas Islam Indonesia. 2020. “Jurnal Ilmiah Ekonomi Islam , 6 ( 02 ), 2020 , 239-245 Peran Pegadaian Syariah Dalam Literasi Keuangan Syariah.” 6(02):239–45. DOI: https://doi.org/10.29040/jiei.v6i2.1072

Nurhisam, Luqman. N.D. “Kepatuhan Syariah ( Sharia Compliance ) Dalam Industri Keuangan Syariah.” 77–96. DOI: https://doi.org/10.20885/iustum.vol23.iss1.art5

Prayoga, Adistiar. 2019. “Implementasi Model Berlian Porter Dalam Penyusunan Arsitektur Strategik Untuk Pengembangan Pembiayaan Pertanian Pada Bmt Implementation.” Journal Of Halal Product And Research 2(2):86–105. DOI: https://doi.org/10.20473/jhpr.vol.2-issue.2.86-105

Rahadiyan, Inda. 2019. “Peran Dan Tanggung Jawab Lembaga Penjamin Simpanan Dalam Penanganan Dan Penyelamatan Bank Gagal Berdampak Sistemik.” Hukum Uis Quia Iustum 1(23):23–41. DOI: https://doi.org/10.20885/iustum.vol23.iss1.art2

Ramdani Harahap, Soritua Ahmad, And Mohammad Ghozali. 2020. “Peran Baitul Mal Wa Tamwil (Bmt) Dalam Pengembangan Ekonomi Umat.” Human Falah: Jurnal Studi Ekonomi Dan Bisnis Islam 7(1). Doi: 10.30829/Hf.V7i1.4058. DOI: https://doi.org/10.30829/hf.v7i1.4058

Setyowati, Diharpi Herli, And Ayu Sartika. 2019. “Faktor-Faktor Yang Mempengaruhi Pangsa Pasar Industri Keuangan Syariah Non-Bank.” 169–86. Doi: 10.24252/Iqtisaduna.V5i2.10986. DOI: https://doi.org/10.24252/iqtisaduna.v5i2.10986

Sudjana, Krisna, And Rizkison Rizkison. 2020. “Peran Baitul Maal Wat Tamwil (Bmt) Dalam Mewujudkan Ekonomi Syariah Yang Kompetitif.” Jurnal Ilmiah Ekonomi Islam 6(2):175. Doi: 10.29040/Jiei.V6i2.1086. DOI: https://doi.org/10.29040/jiei.v6i2.1086

Sula, Atik Emilia, And Moh Nizarul Alim. 2019. “Pengawasan , Strategi Anti Fraud , Dan Audit Kepatuhan Syariah Sebagai Upaya Fraud Preventive Pada Lembaga Keuangan Syariah.” 02(2):91–100.

Suretno, Sujian, And Bustam Bustam. 2020. “Peran Bank Syariah Dalam Meningkatkan Perekonomian Nasional Melalui Pembiayaan Modal Kerja Pada Umkm.” Ad-Deenar: Jurnal Ekonomi Dan Bisnis Islam 4(01):1. Doi: 10.30868/Ad.V4i01.752. DOI: https://doi.org/10.30868/ad.v4i01.752

Undang-Undang Nomor 24 Tahun 2004.

Yasmin Afnan Solekha, Alisa Qotrunnada Murdianah, Nofia Sri Lestari, And Rinda Asytuti. 2021. “Baitul Maal Wa Tamwil Sebagai Lembaga Keuangan Mikro Syariah Pemberdaya Ekonomi Umat (Konsep Dan Teori).” Velocity: Journal Of Sharia Finance And Banking 1(1):44–58. Doi 10.28918/Velocity.V1i1.3647. DOI: https://doi.org/10.28918/velocity.v1i1.3647