Electronic Theses and Dissertation

Subrogasi berdasarkan prinsip syariah dapat dilakukan selama mengikuti ketentuan dalam fatwa 104/DSN/MUI/X/2016. Sejak pemberlakukan Qanun Aceh Nomor 11 Tahun 2018 tentang Lembaga Keuangan Syariah (LKS), notaris melaksanakan subrogasi atas piutang tidak berdasarkan syariah. Hal ini terjadi dikarenakan belum ada aturan hukum positif yang menegaskan secara jelas tentang subrograsi piutang dari bank konvensional ke bank syariah. Hal ini menjadi suatu permasalahan dalam hal subrograsi, meskipun subrograsi sebelumnya telah diatur dalam ketentuan perundang-undangan.
Tujuan penelitian ini adalah untuk menganalisis dan menjelaskan subrograsi piutang berdasarkan ketentuan peraturan perundang-undangan, urgensi dari subrograsi piutang dan pengaturan yang ideal dalam pembuatan akta subrograsi piutang dari Bank Konvensional ke Bank Syariah, dan tanggungjawab notaris dalam hal pembuatan akta subrograsi piutang dari Bank Konvensional Ke Bank Syariah.
Penelitian ini menggunakan metode penelitian yuridis normatif, metode pendekatan yang digunakan yaitu pendekatan undang-undang (statute approach), pendekatan konseptual (conseptual approach), dan pendekatan kasus (case approach). Sumber data penelitian ini didasarkan pada data sekunder. Data dianalisis dengan metode deskriptif sekaligus kualitatif.
Hasil penelitian menunjukkan bahwa subrograsi piutang berdasarkan ketentuan peraturan perundang-undangan diatur dalam Buku III KUHPerdata Pasal 1400-1403 KUHPerdata. Urgensi penerapan subrogasi piutang secara sah dan syariah bukan semata-mata untuk tujuan administratif, melainkan untuk menjamin kepastian hukum, keadilan bagi nasabah, serta perlindungan hak bank syariah sebagai kreditur baru. Pengaturan ideal dalam pembuatan akta subrogasi piutang seharusnya mengedepankan integrasi antara sistem hukum positif nasional dan prinsip-prinsip syariah. Tanggungjawab notaris dalam hal pembuatan akta subrograsi piutang dari Bank Konvensional Ke Bank Syariah bersifat multidimensional.
Disarankan untuk dapat diatur regulasi secara khusus terkait subrograsi dari bank konvensional ke bank syariah guna menjawab tantangan perkembangan zaman. Disarankan untuk membentuk regulasi yang lebih spesifik dan operasional mengenai mekanisme subrogasi dalam sistem keuangan syariah, khususnya dalam pengalihan piutang dari bank konvensional ke bank syariah. Disarankan bagi pemerintah, otoritas perbankan syariah, serta organisasi profesi kenotariatan untuk menyusun kebijakan yang mendorong peningkatan kapasitas notaris dalam bidang ekonomi syariah, termasuk melalui pelatihan bersertifikasi, kerja sama dengan Dewan Syariah Nasional, serta pembentukan mekanisme pengawasan terpadu yang mampu menjamin kualitas dan kepatuhan hukum atas praktik subrogasi tersebut

Subrogation based on sharia principles can be done as long as it follows the provisions in fatwa 104/DSN0MUI/X/2016. Since the enactment of Aceh Qanun No. 11/2018 on Sharia Financial Institutions (LKS), notaries perform subrogation of receivables not based on sharia. This happens because there is no positive legal regulation that clearly confirms the subrogation of receivables from conventional banks to Islamic banks. This becomes a problem in terms of subrogation, although subrogation has previously been regulated in statutory provisions. The purpose of this research is to analyse and explain the subrogation of receivables based on the provisions of the legislation, the urgency of subrogation of receivables and the ideal arrangement in making the deed of subrogation of receivables from Conventional Banks to Islamic Banks, and the responsibilities of notaries in terms of making the deed of subrogation of receivables from Conventional Banks to Islamic Banks. This research uses normative juridical research methods, the approach methods used are statute approach, conceptual approach, and case approach. The data source of this research is based on secondary data. The data is analysed with descriptive as well as qualitative methods. The results show that subrogation of receivables based on statutory provisions is regulated in Book III of the Civil Code Articles 1400-1403 of the Civil Code. The urgency of applying subrogation of receivables legally and sharia is not merely for administrative purposes, but to ensure legal certainty, justice for customers, and protection of the rights of Islamic banks as new creditors. The ideal arrangement in the deed of subrogation of receivables should prioritise the integration between the national positive legal system and sharia principles. The responsibility of the notary in terms of making the deed of subrogation of receivables from Conventional Banks to Islamic Banks is multidimensional. It is recommended to be able to regulate regulations specifically related to subrogration from conventional banks to Islamic banks in order to answer the challenges of the times. It is recommended to form more specific and operational regulations regarding the subrogation mechanism in the Islamic financial system, especially in the transfer of receivables from conventional banks to Islamic banks. It is recommended for the government, Islamic banking authorities, and professional notary organisations to formulate policies that encourage capacity building of notaries in the field of Islamic economics, including through certified training, cooperation with the National Sharia Council, and the establishment of an integrated supervisory mechanism that is able to ensure the quality and legal compliance of the subrogation practice.