Consumer Protection From Default Of Sharia Housing Developer Agreement
DOI:
https://doi.org/10.59188/eduvest.v4i11.44749Keywords:
Agreement, Consumer Protection, Default, Judgment EffectivenessAbstract
Consumers frequently face issues with defaults on housing agreements, often driven by attractive low prices and developers leveraging sharia concepts. PT Fimadani Graha Mandiri (FGM), based in Bekasi, exemplifies this trend, utilizing Binding Sale and Purchase Agreements (Akad Istishna) and Sale and Purchase Agreements on Credit and Installments (Al-Bay' Bi Ad-Dayn Wa Bi At-Taqsith). These agreements delineate the rights and obligations of both developers and consumers. This study aims to analyze consumer protection within these agreements, focusing on safeguarding consumers against developer defaults and examining legal protections in consumer default lawsuits. Employing a doctrinal law method, the research synthesizes relevant rules, principles, and norms. Findings indicate that consumer protection mechanisms in these agreements include the right to accurate information, the ability to select products according to personal preferences, compensation for discrepancies in specifications, and timely delivery of housing. However, the effectiveness of consumer protection in judicial outcomes remains suboptimal. In several cases, PT FGM has denied compensation and refunds, citing a lack of funds and assets. Consequently, consumers face challenges in executing legal claims due to the inability to ascertain the company's assets. This analysis underscores the need for enhanced consumer protections and more effective judicial remedies to address defaults in housing agreements.
References
Agustina, A. (2023). PERLINDUNGAN KONSUMEN KPR BANK SYARIAH ATAS RUMAH YANG TIDAK SESUAI SPESIFIKASI DAN GAGAL BANGUN. Proceeding International Seminar Of Islamic Studies, 141–152.
Al Hakim, I. (2014). Penyelesaian Sengketa Ekonomi Syariah Di Pengadilan Agama. Pandecta Research Law Journal, 9(2), 273–291.
Ali, D. R. M. H., & SH, M. H. (2022). Peradilan Sederhana Cepat & Biaya Ringan Menuju Keadilan Restoratif. Penerbit Alumni.
Dewi, A. N. R., & Suryaningsih, S. A. (2020). Pembiayaan Kredit Pemilikan Rumah Syariah Non-Bank Di Tahfidz Residence. Jurnal Ekonomika Dan Bisnis Islam, 3(3), 221–233.
Kawasan, U. P. Dan. (2011). UU Perumahan Dan Kawasan, LN Tahun 2011 No. 7 TLN 5188, Pasal 134.
Konsumen., U. N. 8 T. 1999 Tentang P. (1999). UU Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen.
Kuhperdata. (N.D.-A). Kuhperdata, Diterjemahkan Oleh Subekti Dan Tjitrosudibio, Pasal 1243.
Kuhperdata. (N.D.-B). Kuhperdata, Diterjemahkan Oleh Subekti Dan Tjitrosudibio, Pasal 1267.
Kuhperdata. (N.D.-C). Kuhperdata, Diterjemahkan Oleh Subekti Dan Tjitrosudibio, Pasal 1338.
Kuhperdata. (N.D.-D). Kuhperdata, Diterjemahkan Oleh Subekti Dan Tjitrosudibio, Pasal 1851 - 1854.
Supeno, S., & Ansori, M. (2019). Pengembangan Perumahan Berbasis Syariah Dan Permasalahannya Di Propinsi Jambi. Jurnal Ilmiah Universitas Batanghari Jambi, 19(3), 509–515.
UUD. (1945). Undang-Undang Dasar 1945 Selanjutnya Disebut UUD 1945, Pasal 28H Ayat (1).
Wetboek, B. (N.D.). Kitab Undang-Undang Hukum Perdata [Burgerlijk Wetboek], Diterjemahkan Oleh Subekti Dan Tjitrosudibio, Pasal 1238.
Published
Issue
Section
License
Copyright (c) 2024 Sekar Anindita Candra Utami
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
