Dispute Resolution on Muḍārabah Musytarakah Contract on Sharia Insurance in Indonesia: Between Regulation and Practice

Riska Fauziah Hayati, Abdul Mujib

Abstract


ABSTRACT

This paper discussed on how to resolve disputes over the muḍārabah musytarakah contract in sharia insurance by looking at the applicable sharia insurance dispute settlement regulations and sharia insurance policies. This research was normative legal research using the documentation method. The results showed that in various regulations and policies regarding sharia insurance, there are various alternatives (choice of forum) in dispute resolution, including in the muḍārabah musytarakah contract. In general, sharia economic dispute resolution can be done in two ways, namely litigation and non-litigation. Litigation dispute resolution was guided by the mandate of Law Number 3 of 2006 on Religious Courts. Several alternative non-litigation dispute resolutions are mentioned in various regulations, including: by deliberation and consensus; through mediation institutions that are independent and impartial; through an association by the business activities of a sharia insurance company; or the Shari'ah Arbitration Board. Then, in the sharia insurance general policy, there are also various alternative dispute resolutions, including amicably reaching a mutual agreement. But if it is not successful, then the dispute resolution will be carried out through the Indonesian Insurance Mediation Board (BMAI); through the Sharia Arbitration Board; Religious Courts/District Courts in the policy area are issued, or the participant chooses one of the dispute resolution options and is obliged to notify the company.

Keywords: Dispute Resolution; Muḍārabah Musytarakah; and Sharia Insurance;

ABSTRAK

Tulisan ini membahas tentang bagaimana penyelesaian sengketa akad muḍārabah musytarakah pada asuransi syariah dengan melihat regulasi penyelesaian sengketa asuransi syariah yang berlaku dan polis asuransi syariah. Penelitian ini merupakan penelitian hukum normatif dengan menggunakan metode dokumentasi. Hasil penelitian nini menunjukkan bahwa dalam berbagai regulasi dan polis tentang asuransi syariah, terdapat berbagai alternatif (choice of forum) dalam penyelesaian sengketa, termasuk dalam akad muḍārabah musytarakah. Penyelesaian sengketa ekonomi syariah secara umum dapat dilakukan dengan dua cara, yaitu litigasi dan non litigasi. Penyelesaian sengketa secara litigasi berpedoman pada amanat UU Nomor 3 Tahun 2006 tentang Peradilan Agama. Beberapa alternatif penyelesaian sengketa non litigasi yang disebutkan dalam berbagai regulasi, antara lain adalah: secara musyawarah dan mufakat; melalui lembaga mediasi yang bersifat independen dan imparsial; melalui asosiasi yang sesuai dengan kegiatan usaha perusahaan asuransi syariah; atau melalui Badan Arbitrasi Syari’ah. Kemudian, dalam polis umum asuransi syariah terdapat juga berbagai alternatif penyelesaian sengketa, di antaranya: secara musyawarah untuk mencapai kesepakatan bersama, namun jika tidak berhasil, maka penyelesaian perselisihan akan dilakukan melalui Badan Mediasi Asuransi Indonesia (BMAI); melalui Badan Arbitrase Syariah; Pengadilan Agama/Pengadilan Negeri di wilayah polis ini diterbitkan; atau peserta memilih salah satu pilihan penyelesaian perselisihan dan wajib memberitahu kepada perusahaan.

Kata Kunci: Penyelesaian Sengketa; Muḍārabah Musytarakah; dan Asuransi Syariah;


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DOI: https://doi.org/10.23971/elma.v12i1.3795

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Copyright (c) 2022 Riska Fauziah Hayati, Abdul Mujib

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El-Mashlahah is published by Fakultas Syariah IAIN Palangka Raya in collaboration with the Asosiasi Dosen Hukum Keluarga Islam (ADHKIIndonesia  [MoU manuscript].

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