GUGATAN HAK WARIS YANG DIAGUNKAN DI BANK PERSPEKTIF MAQASID AL-SYARI’AH ( STUDI PUTUSAN MAHKAMAH AGUNG RI. NOMOR 407 K/AG/2015 )

MUAMMAR H.AT NIM: 17040203005, M (2020) GUGATAN HAK WARIS YANG DIAGUNKAN DI BANK PERSPEKTIF MAQASID AL-SYARI’AH ( STUDI PUTUSAN MAHKAMAH AGUNG RI. NOMOR 407 K/AG/2015 ). Masters thesis, IAIN KENDARI.

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Abstract

ABSTRAK Penelitian ini berjudul “Gugatan Hak Waris yang Diagunkan di Bank Perspektif Maqas} id Al-Syari’ah (Studi Putusan MA Nomor 407 K/AG/2015)”, dengan rumusan masalah (1) Bagaimana deskripsi Putusan Mahkamah Agung Nomor 407 K/AG/2015 mengenai gugatan hak waris yang diagunkan di bank, (2) Bagaimana dampak gugatan hak waris yang diagunkan di bank, (3) Bagaimana perspektif maqas}id al-syari’ah terhadap Putusan Mahkamah Agung Nomor 407 K/AG/2015. Untuk menjawab permasalahan di atas, maka penulis menggunakan penelitian deskriptif kualitatif dengan pendekatan teologis normatif dan yuridis normatif. Pendekatan teologis normatif digunakan untuk menganalisis Putusan Mahkamah Agung Nomor 407 K/AG/2015 berdasarkan al-Quran dan hadis serta ijtihad. Pendekatan yuridis normatif digunakan untuk menganalisis gugatan hak waris yang diagunkan di bank berdasarkan peraturan perundang-undangan yang menjadi rujukan Hakim Pengadilan Agama. Adapun sumber datanya terdiri dari data primer dan data sekunder. Data primer bersumber dari kasus gugatan waris yang diagunkan di bank dan undang-undang yang berkaitan dan berhubungan dengan penelitian ini. Sedangkan data sekunder bersumber dari pustaka yang berhubungan dengan gugatan hak waris yang diagunkan di bank. Teknik pengumpulan data penelitian ini melalui riset pustaka (library research) dengan menghimpun peraturan perundang-undangan dan buku-buku yang berkaitan dengan penyelesaian kasus oleh pengadilan terhadap harta peninggalan yang menjadi jaminan di bank. Hasil penelitian ini menunjukkan Putusan Mahkamah Agung Nomor 407 K/AG/2015 pada pokok amarnya menyatakan gugatan Penggugat tidak dapat diterima (niet onvankelijke verklaard) dengan alasan oleh karena objek sengketa dijaminkan pada bank, maka status tanah untuk sementara belum menjadi harta warisan secara sempurna, karena masih dalam jaminan bank. Bila sertifikat hak milik telah kembali kepada Tergugat baru gugatan waris dapat diajukan. Sehingga dampaknya antara lain: 1) timbul iktikad tidak baik salah satu pihak (ahli waris) untuk mengalihkan status kepemilikan harta warisan; 2) penyelesaian kasus secara litigasi memerlukan waktu yang cukup lama dan biaya yang tidak sedikit; 3) ahli waris yang mempunyai hak waris dapat kehilangan haknya; dan 4) hasil dari pengelolaan harta peninggalan yang diagunkan di bank hanya dinikmati oleh salah seorang ahli waris. Oleh karena itu, Putusan Mahkamah Agung tersebut belum memenuhi beberapa unsur pokok ( d}aruriyat al-khamz}ah) kemaslahatan dalam maqasid al-syari’ah, yaitu: memelihara jiwa ( hifz} al-nafs), memelihara keturunan ( hifz} al-nasl) dan memelihara harta (hifz}} al-mal), dan secara hukum progresif telah melukai rasa keadilan Penggugat dan Turut Tergugat. Mahkamah Agung seharusnya melakukan rule breaking dengan menetapkan bagian waris masingmasing kedua belah pihak dari harta warisan pewaris tanpa harus menunggu hingga sertifikat objek sengketa kembali kepada Tergugat. Kata Kunci: Waris, Agunan, Putusan Mahkamah Agung. ABSTRACT This study entitled "Inheritance Lawsuit Pledged at the Perspective Bank Maqas} id Al-Syari'ah (Study of MA Decision Number 407 K/AG/2015)", with the formulation of the problem (1) What is the description of the Supreme Court Decision Number 407 K/AG/2015 regarding inheritance rights pledged as collateral in banks, (2) What is the impact of inheritance claims pledged as collateral in banks, (3) What is the perspective of maqasid al-shari'ah on Supreme Court Decision Number 407 K/AG/2015. To answer the above problems, the writer uses descriptive qualitative research with normative theological and normative juridical approaches. The normative theological approach is used to analyze the Decision of the Supreme Court of the Republic of Indonesia Number 407 K/AG/2015 based on the Koran and Hadith and ijtihad. A normative juridical approach is used to analyze inheritance claims that are pledged to the bank based on the laws and regulations referred to by the Religious Court Judges. The data sources are primary data and secondary data. Primary data are sourced from cases of inheritance that are pledged to the bank and laws that are directly or indirectly related to and related to this research. Whereas secondary data is sourced from literature relating to inheritance claims that are pledged to the bank. The data collection technique of this research was through library research by compiling laws and regulations and books relating to the settlement of cases by the court of inherited assets which were used as collateral in banks. The results of this study indicate that the Decision of the Supreme Court Number 407 K/AG/2015 in its principal stated that the Plaintiff's claim cannot be accepted (niet onvankelijke verklaard) on the grounds that because the object of the dispute is guaranteed by the bank, then the status of the land has not yet become the property of the plaintiff the perfect inheritance, because it is still in bank guarantee. If the certificate of ownership has been returned to the defendant, a new inheritance claim can be submitted. So that the impacts include: 1) a bad intention arises from one of the parties (heirs) to transfer the ownership status of the inheritance; 2) settlement of cases by litigation requires considerable time and costs are not small; 3) heirs who have inheritance rights can lose their rights; and 4) the results of the management of inherited assets pledged in the bank are only enjoyed by one of the parties (heirs). Therefore, the decision of the Supreme Court has not fulfilled some basic elements ( d}aruriyat al-khamz}ah) benefit in the maqasid al-shari'ah, namely: preserving the soul ( hifz} al-nafs), preserving offspring (hifz} al-nasl) and preserving property (hifz} al-mal), and legally progressive has hurt the justice sense of the Plaintiffs and Co-Defendants. The Supreme Court should have done a rule breaking by determining the inheritance of each of the two parties from the inheritance's inheritance without having to wait until the disputed object certificate is returned to the Defendants. Keywords: Inheritance, Collateral, Supreme Court Decision. ﺺﺨﻠﳌا راﺮﻗ ﰴر ﺔﺳارد) رﻮﻈﻨ ﳌ ا يرﻮﺴ ﻟ ا ﺪﺻﺎﻘﻣ ﻚﻨ ﺑ ﰲ نﲈﻀ& ﺔ’ﻮﺿﻮﳌا ﺔﺛارﻮﻟا ﲔﻧاﻮﻗ" ناﻮﻨ ﻌﺑ ﺚﺤﺒ ﻟ ا اﺬﻫ ﺎﻴ ﻠﻌﻟ ا ﺔﳬﶈا٤٠٧ ك\غا\٢٠١٥) ﺔﳫﺸ ﳌ ا ﺔAﺎﻴ ﺻ ﻊﻣ ، "(١ ﺎﻴ ﻠﻌﻟ ا ﺔﳬﶈا راﺮﻗ ﰴر ﻒﺻو ﱲﻳ ﻒﻴ H ( ٤٠٧ ك\غا\٢٠١٥ ) ، كﻮﻨ ﺒ ﻟ ا ﺪIK ﰲ نﻮﻤﻀﻣ ثاﲑﳌا ىﻮﻋد نPﺸ Q ٢ ( ﺔ’ﻮﻓﺮﳌا ىﻮﻋSا ﲑﺛPﺗ ﻮﻫ ﺎﻣ ) ، ﻚﻨ ﺒ ﻠU ﺎﲠ ﺪﻬ ﻌﺘ ﻟ ا ﰎ ﱵﻟا ثاﲑﳌا ﺪﺿ٣ﺎﻴ ﻠﻌﻟ ا ﺔﳬﶈا راﺮﻗ ﰴر ﲆ’ ﺔﻌﻳﴩ ﻟ ا صﺎﻘﻣ رﻮﻈ_ ﻣ ﻮﻫ ﺎﻣ ( ٤٠٧ ك\غا\٢٠١٥ ﺔﻴ ﻧ ﻮﻧﺎﻘﻟا ﺞﳯbا ﻊﻣ ﻲﻔﺻﻮﻟا ﻲﻋﻮﻨ ﻟ ا ﺚﺤﺒ ﻟ ا ﺐﺗﲀﻟا مﺪhﺘ iﺴ j ، ﻩﻼ’K ةرﻮHﺬﳌا تoﺸ ﳌ ا ﲆ’ ﺔﺑﺎpﻼﻟ مﺪhﺘ iﺴ j .ﺔﻳرﺎﻴ ﻌﳌ او ﺔﻴ ﺗ ﻮﻫﻼﻟا ﰴر ﺎﻴ iﺴ s ﻧ وﺪﻧا ﺔﻳرﻮﻬ ﶺ ﺎﻴ ﻠﻌﻟ ا ﺔﳬﶈا راﺮﻗ ﻞﻴ ﻠ vﺘ ﻟ يرﺎﻴ ﻌﳌ ا ﰐﻮﻫﻼﻟا ﺞﳯbا ٤٠٧ ك\غا\٢٠١٥ ىوﺎ’د ﻞﻴ ﻠ vﺘ ﻟ يرﺎﻴ ﻌﳌ ا ﱐﻮﻧﺎﻘﻟا ﺞﳯbا مﺪhﺘ iﺴ j .دﺎﳤﺟﻻاو ﺚﻳﺪﳊاو نKﺮﻘﻟا ﲆ’ ءﺎﻨ ﺑ ﶈا ةﺎﻀﻗ ﺎﳱbا ﲑﺸ j ﱵﻟا ﰁاﻮﻠUاو ﲔﻧاﻮﻘﻟا ﲆ’ ءﺎﻨ ﺑ ﻚﻨ ﺒ ﻠU ﺎﲠ ﺪﻬ ﻌﺘ ﻟ ا ﱲﻳ ﱵﻟا ثاﲑﳌا ردﺎﺼﻣ .ﺔ� � ﻳ Sا ﰼﺎ ﱵﻟا ثاﲑﳌا تﻻﺎI ﻦﻣ ﺔﻴ ﻟ و�ا ت�ﺎﻴ ﺒ ﻟ ا ﲆ’ لﻮﺼﳊا ﱲﻳ .ﺔﻳﻮﻧﺎﺜ ﻟ ا ت�ﺎﻴ ﺒ ﻟ او ﺔﻴ ﻟ و�ا ت�ﺎﻴ ﺒ ﻟ ا ﱔ ت�ﺎﻴ ﺒ ﻟ ا ﲆ’ لﻮﺼﳊا ﱲﻳ �s ﺑ .ﺚﺤﺒ ﻟ ا اﺬﲠ ﴍﺎ� ﻣ ﲑA وK ﴍﺎ� ﻣ ﲁﺸ Q ﺔﻄﺒ ﺗ ﺮﳌا ﲔﻧاﻮﻘﻟاو ﻚﻨ ﺒ ﻠU ﺎﲠ ﺪﻬ ﻌﺘ ﻟ ا ﱲﻳ ﻘﻠﻌﺘ ﳌ ا تﺎﻔﻟﺆﳌا ﻦﻣ ﺔﻳﻮﻧﺎﺜ ﻟ ا ت�ﺎﻴ ﺒ ﻟ ا ت�ﺎﻴ ﺒ ﻟ ا ﻊﲨ ﺔﻴ _ ﻘﺗ ﺖﻧﰷ .ﻚﻨ ﺒ ﻠU ﺎﲠ ﺪﻬ ﻌﺘ ﻟ ا ﱲﻳ ﱵﻟا ثاﲑﳌا تﺎﺒ ﻟ ﺎﻄﲟ ﺔ ﺔﻳﻮﺴ � ﺑ ﺔﻘﻠﻌﺘ ﳌ ا ﺐ� ﻜﻟ او ﰁاﻮﻠUاو ﲔﻧاﻮﻘﻟا ﻊﻴ ﻤﲡ لﻼ� ﻦﻣ تﺎﺒ � ﻜﳌ ا ﰲ ﺚﺤﺒ ﻟ ا لﻼ� ﻦﻣ ﺚﺤﺒ ﻟ ا اﺬﻫ ﰲ كﻮﻨ ﺒ ﻟ ا ﰲ نﲈﻀ& ﺖﻣﺪhﺘ iﺳ ا ﱵﻟا ﺔﺛورﻮﳌا لﻮﺻ�ا ﺔﳬﳏ ﻞ� ﻗ ﻦﻣ �ﺎﻀﻘﻟا. ﺔﺳارSا ﻩﺬﻫ ﰀﺎﺘ ﻧ ﲑﺸ � ﱃاﺎﻴ ﻠﻌﻟ ا ﺔﳬﶈا راﺮﻗ ﰴر نK ﻲﻋﺪﳌا ﺔﺒ ﻟ ﺎﻄﻣ لﻮ� ﻗ ﻦﻜﳝ ﻻ ﻪﻧK ﺮHذ ﺎﲛﺪ� ﻣ ﰲ ( niet onvankelijke verklaard) ، ﻚﻨ ﺒ ﻟ ا ﻞ� ﻗ ﻦﻣ لﻮﻔﻜﻣ عاﲋﻟا عﻮﺿﻮﻣ ن� اﺮﻈﻧ ﻪﻧK سﺎﺳK ﲆ’ دﺎﻬ ﺷ تدﺎ’ اذا .ﺎ� ﻜﻨ ﺑ �ﲈﺿ لاﺰµ ﻻ ﻪﻧ� .ﺎﻴ ﻟ ﺎ¶ ﻣ •اﲑﻣ ﺢﺒ ﺼﻳ ﱂ ﺖﻗﻮﻟا ﻦﻣ ةﱰﻔﻟ ضر�ا ﻊﺿو نﺎﻓ ﺔ� ﻜﻠﳌ ا ة :ﲇﻳ ﺎﻣ ر•�ا ﻞﻤﺸ � ﺚﻴ ﲝ .ثاﲑﳌ¿ ةﺪﻳﺪp ﺔﺒ ﻟ ﺎﻄﻣ ﱘﺪﻘﺗ ﻦﻜﳰ ﻓ ، ﻩﺪﺿ ﻮﻜﺸ ﳌ ا ﱃا١ Pﺸ � ﺗ ﺔ´ s ﺳ ﺔﻴ ﻧ ( ؛ ثاﲑﳌا ﺔ� ﻜﻠﻣ ˜ﺎI ﻞﻘﻨ ﻟ (ﺔﺛرﻮﻟا) فاﺮﻃ�ا ﺪIK ﻦﻋ٢ ﻼﻳﻮﻃ ﺎ� ﻗ و ﴈﺎﻘﺘ ﻟ ا ىوﺎ’د ﺔﻳﻮﺴ � ﺐﻠﻄﺘ ﺗ ( ؛ ةﲑﻐﺻ ﺖﺴ s ﻟ ﻒﻴ ﻟ ﲀÉو٣ﻦﻜﳝ ثاﲑﳌا قﻮﻘﺣ ﻢﳞS ﻦµ˛ا ﺔﺛرﻮﻟا ( ؛ ﻢﻬ ﻗ ﻮﻘﺣ اوﺪﻘﻔﻳ نK٤ ةرادا ﰀﺎﺘ ﻧ ( راﺮﻗ ﻒﻨ ﻳ ﱂ ، —˛ .(ﺔﺛرﻮﻟا) ﲔﻓﺮﻄﻟا ﺪIK ﻻا ﺎﲠ ﻊﺘ ﳣ µ ﻻ ﻚﻨ ﺒ ﻟ ا ﰲ ﺎﲠ ﺪﻬ ﻌﺘ ﻟ ا ﰎ ﱵﻟا ﺔﺛورﻮﳌا لﻮﺻ�ا ﲆ’ ظﺎﻔﳊا :ﱔو ، ﺔﺳﺎﻴ iﺴ ﻟ ا ﻊﺻﺎﻘﻣ ﲆ’ ﻊﻔﻨ ﻟ ¿ دﻮﻌﺗ ﱵﻟا ﺔﻴ iﺳ ﺎﺳ�ا ﴏﺎﻨ ﻌﻟ ا ﻦﻣ ﺪﻳﺪﻌﻟا ﺎﻴ ﻠﻌﻟ ا ﺔﳬﶈا ﺴ � ﻟ ا ﲆ’ ظﺎﻔﳊا ، حوﺮﻟا ﲎﻌﲟ ﴬﻳ ﺪﻗ ﺔﻴ ﻧ ﻮﻧﺎﻘﻟا ﺔ� ﺣ ﺎﻨ ﻟ ا ﻦﻣ ﺔ� ﻣ ﺪﻘﺘ ﻟ او ، تﲀﻠﺘ ﻤﳌ ا ﲆ’ ظﺎﻔﳊاو ﻞ ﻦﻣ ﰻ ثاﲑﻣ ﺪﻳﺪvﺘ ﺑ ةﺪ’ﺎﻗ ﺖﻗﺮﺧ ﺪﻗ ﺎﻴ ﻠﻌﻟ ا ﺔﳬﶈا نﻮﻜÉ نK ﺐﳚ .ﻦµﺮﺧ�ا ﲔﻤﳤﳌاو ﲔ’ﺪﻤﻠU ˜اﺪﻌﻟا ﻪﻴ ﻠ’ عزﺎﻨ ﺘ ﳌ ا ﻦÛﲀﻟا ةدﺎﻬ ﺷ عﺎpرا ﱲﻳ ﱴﺣ رﺎﻈﺘ ﻧ Ý ﱃا راﺮﻄﺿÝ نود ثاﲑﳌا ثاﲑﻣ ﻦﻣ ﲔﻓﺮﻄﻟا ﱃا ﻩﺪﺿ ﻮﻜﺸ ﳌ ا ﺎﻴ ﻠﻌﻟ ا ﺔﳬﶈا راﺮﻗ ، نﲈﻀﻟا ، ثاﲑﳌا :ﺔ� ﺣ ﺎ� ﻔﳌ ا تﲈﳫﻟا

Item Type: Thesis (Masters)
Additional Information: Waris, Agunan, Putusan Mahkamah Agung.
Uncontrolled Keywords: Waris, Agunan, Putusan Mahkamah Agung.
Subjects: Hukum Islam
Bank
Bank Islam
Ekonomi Islam
Divisions: PASCASARJANA > Prodi Jurusan Hukum Islam
Depositing User: Andi Nila Nurfadhilah
Date Deposited: 10 Aug 2020 07:45
Last Modified: 10 Aug 2020 07:45
URI: http://digilib.iainkendari.ac.id/id/eprint/2700

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