Wanprestasi Dalam Pembiayaan Dengan Menggunakan Deposito Sebagai Jaminan (Studi Kasus Di Kspps Bmt An-Najah Wiradesa Pekalongan)

Safiani, Indri (2025) Wanprestasi Dalam Pembiayaan Dengan Menggunakan Deposito Sebagai Jaminan (Studi Kasus Di Kspps Bmt An-Najah Wiradesa Pekalongan). Undergraduate Thesis thesis, UIN. K. H. Abdurrahman Wahid Pekalongan.

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Abstract

Indri Safiani, 1220041, 2025, Wanprestasi dalam Pembiayaan Dengan Menggunakan Deposito Sebagai Jaminan (Studi Kasus Di KSPPS BMT An-Najah Wiradesa Pekalongan), Skripsi, Jurusan Hukum Ekonomi Syariah, Fakultas Syariah, UIN K.H Abdurrahman Wahid Pekalongan. Pembimbing : Dr. Agus Fakhrina, M.S.I This study examines the practice of using time deposits as collateral in financing at KSPPS BMT An-Najah Wiradesa Pekalongan, particularly within the context of mudharabah contracts. A key issue identified is the absence of a specific pledge agreement to legally bind the deposit used as collateral, leading to ambiguity in the settlement process when wanprestasi (default) occurs. This research aims to analyze two main aspects: the implementation process of binding time deposits as collateral for financing, and the resolution efforts undertaken in the event of default. The study employs a juridicalempirical approach using qualitative methods, including field research and interviews with BMT officials, as well as literature review. The research results show that collateral binding has not been carried out optimally because it is not accompanied by a pledge agreement and a power of attorney for deposit disbursement. BMT only uses the principal agreement, which should be an important requirement according to banking law and sharia principles. In resolving defaults, BMT An-Najah applies stages ranging from intensive mentoring, financing restructuring, to collateral execution in the form of deposit disbursement. This research provides important recommendations for BMT to improve legal aspects by strengthening collateral binding and preparing appropriate legal documents to minimize potential disputes and protect the interests of both parties. Keywords: Time Deposit, Financing Collateral, Default, Dispute Resolution

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