Analisis Aspek Substansif dan Prosedural pada Sengketa Wanprestasi Pembiayaan Akad Murabahah
(Studi Kasus Putusan Pengadilan Agama)
DOI:
https://doi.org/10.62383/humif.v2i4.2439Keywords:
Breach of Contract, Dispute, Judicial Ruling, Murabahah Contract, Specific Power of AttorneyAbstract
The development of Islamic banking in Indonesia has introduced the murabahah contract as one of the most dominant financing products. However, in practice, this contract often gives rise to legal disputes, particularly due to default by customers who fail to fulfill their payment obligations in accordance with the agreement. This study focuses on the Palangka Raya Religious Court Decision Number 1/Pdt.GS/2024/PA.PLK, which is noteworthy because, although the substance of the claim has a strong legal basis, it was deemed inadmissible due to a formal defect in the special power of attorney. The aim of this research is to analyze how substantive aspects related to default in murabahah contracts and procedural aspects concerning the mechanism of simplified lawsuits, as well as the validity of a special power of attorney, can affect dispute resolution.This article employs a qualitative method with a normative juridical approach, encompassing legislation, conceptual analysis, and case studies. Primary data were obtained from court decisions, while secondary data were drawn from legal regulations and literature studies. The study shows that substantively, the defendant was proven to be in default for failing to fulfill payment obligations under the murabahah contract, giving the plaintiff a strong legal basis to file a claim. However, procedurally, the lawsuit was inadmissible because the submitted special power of attorney did not meet formal requirements, rendering the plaintiff’s legal representative unauthorized to act on their behalf. The implications of these findings indicate that the success of resolving Islamic banking disputes is not solely determined by the strength of the claim’s substance, but also heavily depends on compliance with the applicable civil procedural laws. Therefore, fulfilling procedural requirements is a crucial factor in ensuring the effectiveness of dispute resolution in Islamic banking.
References
Abdillah, I., Raehana, S., Akil, M., Lawang, H., & Syarifuddin, S. (2025). Analisis Putusan Pengadilan Tinggi Agama Makassar Dalam Penyelesaian Perkara Ekonomi Syariah Tingkat Banding (Studi Kasus). 3, 289-301.
Adilla, S. (2025). Legal Reasoning Hakim Dalam Putusan Wanprestasi Akad Murabahah Dengan Objek Jaminan Tanah Status Uwto. Universitas Islam Negeri Prof. K. H. Saifuddin Zuhri Purwokerti.
Afriana, A., & Chandrawulan, A. A. (2019). Menakar Penyelesaian Gugatan Sederhana di Indonesia. Jurnal Bina Mulia Hukum, 4(1). https://doi.org/10.23920/jbmh.v4n1.4
Aisyah, A. J. (2025). Akad Murabahah. 167-186.
Ansori. (2015). Wanprestasi. Paper Knowledge. Toward a Media History of Documents, 3(April), 49-58.
Basri, J., Dewi, A. K., & Iswahyudi, G. (2022). Pembiayaan Murabahah pada Perbankan Syariah dalam Perspektif Hukum di Indonesia. AL-MANHAJ: Jurnal Hukum Dan Pranata Sosial Islam, 4(2), 375-380. https://doi.org/10.37680/almanhaj.v4i2.1802
Batubara, Y. P. (2021). Putusan NO (Niet Ontvankelijke Verklaard): Berbagai Macam Cacat Formil yang Melekat pada Gugatan. Pelaksana Seksi HI KPKNL Manado. https://www.djkn.kemenkeu.go.id/kpknl-manado/baca-artikel/13958/Pu
Bunga, M. (2022). Mekanisme Penyelesaian Sengketa Melalui Gugatan Sederhana. Gorontalo Law Review, 5(1), 41-51.
Gunungsitoli, P. N. (n.d.). Biaya Perkara Perdata. Mahkamah Agung RI.
Hasna, S. F. (2024). Perbedaan Perspektif Hakim dalam Putusan Sengketa Pembiayaan Murabahah: Analisis Pertimbangan Hakim dan Keadilan Syariah Salma Fauziyyah Hasna Universitas Islam Negeri Sunan Kalijaga, Indonesia Email: hasnasalma243@gmail.com. Jurnal Sosial Dan Sains (Sosains), 3, 6744-6751. https://doi.org/10.59188/jurnalsosains.v5i8.32427
Isima, N., & Subeitan, S. M. (2021). Wanprestasi Dalam Kontrak Bisnis Syariah Serta Penyelesaian Sengketanya. Al-'Aqdu: Journal of Islamic Economics Law, 1(2), 104. https://doi.org/10.30984/ajiel.v1i2.1809
Nasir, F. M. (2024). Analisis Pembebanan Biaya Perkara Kepada Penggugat dalam Kasus Cerai Gugat di Pengadilan Agama Padang Kelas I A (Issue 6110). Universitas Islam Negeri Sultan Syarif Kasim Riau.
Panelewen, J. J. I., & Alam, J. V. (2023). Pentingnya Pembuatan Surat Kuasa Dalam Perspektif Hukum Perdata. Innovative: Journal of Social Science Research, 3(3), 2800-2807.
Prabowo, B. A. (2009). Konsep Akad Murabahah Pada Perbankan Syariah (Analisa Kritis Terhadap Aplikasi Konsep Akad Murabahah Di Indonesia Dan Malaysia). Jurnal Hukum Ius Quia Iustum, 16(1), 106-126. https://doi.org/10.20885/iustum.vol16.iss1.art7
Purnama Sari, A. (2023). Penyelesain Sengketa Wanprestasi Pada Akad Pembiayaan Murabahah (Studi Kasus Putusan Nomor: 407/Pdt.G/2020/Pa.Pbr Di Pengadilan Agama Pekanbaru). Maqasid, 12(2), 59-72. https://doi.org/10.30651/mqs.v12i2.20078
Puspitaningrat, I. D. A. A. M., Kayuan, P. C. K., & Rimbawa, I. M. A. (2024). Niet Ontvankelijke Verklaard Dalam Putusan. Jurnal Yustitia, 18(1), 32-44. https://doi.org/10.62279/yustitia.v18i1.1193
Republik Indonesia. (1927). Reglemen Acara Hukum Untuk Daerah Luar Jawa dan Madura (Reglement Van Het Rechtswezen In De Gewesten Buiten Java En Madura) (RBg.) (S. 1927-227.). Suparyanto Dan Rosad (2015, 5(3), 248-253. http://pta-jambi.go.id/attachments/article/1110/RBg.pdf
Retno Sari, E. (2022). Penyelesaian Wanprestasi Sewa Menyewa Tanah Dengan Sistem Pembayaran Panen Di Desa Kedaton 1 Kecamatan Batanghari Nuban Kabupaten Lampung Timur. 1-99.
Utama, I. P. (2020). Implementasi Akad Murabahah Pada Produk Pembiayaan Kepemilikan Multi Faedah (KMF) Pada PT. Bank BRI Syariah Kantor Cabang Pekanbaru. 13-17.
Wicaksono, F. S. (2009). Panduan Lengkap Membuat Surat-Surat Kuasa. VisiMedia.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Hukum Inovatif : Jurnal Ilmu Hukum Sosial dan Humaniora
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
