PEMBEBANAN JAMINAN ATAS BENDA BENDA TIDAK BERGERAK DALAM KONTRAK PEMBIAYAAN MUDHARABAHPERSPEKTIF UNDANG-UNDANG NOMOR 4 TAHUN 1996 TENTANG HAK TANGGUNGAN

Abstract

The imposition of collateral for immovable objects, especially land in mudharabah financing contracts, is preceded by making a guarantee contract to the capital owners. The purpose is to fulfil the implementation of obligation payment, even though there must not be collateral in mudharabah financing contract. Therefore, the guarantee of liability means that the collateral at any time can be confiscated and sold by the capital owner to repay the obligation. This study aims to find a comprehensive solution about how and what is the purpose of imposing collateral for immovable objects which are originally not part of mudharabah financing contracts principles. Empirical juridical research method is employed where law is not only considered as law in books but also in action with legal regulation approach, namely the 1996 Law Number 4 concerning Mortgage Rights. The results indicate that the collateral imposition for immovable objects in mudharabah financing contract refers to the aforementioned law concerning mortgage rights which aims at applying the precautionary and risk principles based on the 2008 Law Number 21 concerning Sharia Banking.