Shabrina, Nadilla (2025) Tinjauan Yuridis Terhadap Perlindungan Nasabah Atas Pelaksanaan Akad Murabahah di Bank Bpr Syariah Hasanah Ditinjau Dari Undang Undang No.4 tahun 2023 tentang pengembangandan Penguatan Di Sektor Keuangan Kota Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Bank BPR Syariah Hasanah, headquartered in Pekanbaru Harapan Raya, is one of the banks currently engaged in Murabaha transactions, which involve a sale agreement between customers and the bank with mutually agreed profits known in advance. However, issues of default by customers on Murabaha financing agreements have arisen during implementation. The primary focus of this research is to examine the execution of Murabaha agreements at Bank BPR Syariah Hasanah and to assess the legal protection available to customers regarding these agreements in Pekanbaru. This study employs a normative legal and observational research approach, utilizing direct surveys and interviews as data collection tools. The research is descriptive in nature, aiming to provide detailed data about individuals, situations, or other phenomena. Conclusions are drawn using an inductive method, moving from specific observations to broader generalizations. The findings indicate that the implementation of Murabaha agreements at Bank BPR Syariah Hasanah has not been effective, as evidenced by instances of default. This situation arises from customers experiencing low business activity and ongoing consumer needs, leading to delays and disruptions in fulfilling Murabaha financing agreements. Bank BPR Syariah Hasanah has legally implemented the UUP2SK on consumer protection in order to make contracts properly. This is done by using two non-litigation prevention strategies, namely rescheduling, repair, and restructuring, as part of the Settlement of Problematic Murabahah Financing at the Head Office of Bank BPR Syariah Hasanah Pekanbaru Harapan Raya. However, if the rescue efforts are unsuccessful, the settlement is carried out through litigation in accordance with Law Number 42 of 1999 concerning Fiduciary Guarantees

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