The Effectiveness of Sharia Dispute Resolution Mechanisms in Strengthening Consumer Protection
DOI:
https://doi.org/10.56874/sm-jis.v1i1.2884Keywords:
Sharia Dispute Resolution, Consumer Protection, Legal Effectiveness, Maqashid Al-ShariahAbstract
This study examines the effectiveness of sharia dispute resolution mechanisms in strengthening consumer protection in Indonesia. This issue is crucial as the rapid growth of the Islamic economy has increased the complexity of disputes between financial institutions and customers, while existing mechanisms have not fully reflected substantive justice. Although the Religious Court and the National Sharia Arbitration Board (BASYARNAS) have a strong legal foundation, their practical effectiveness remains limited due to institutional and social challenges. This research employs a qualitative descriptive-analytical approach, using in-depth interviews with 18 informants consisting of judges, arbitrators, OJK officials, representatives of Islamic financial institutions, and consumers. Data were analyzed using the interactive model of Miles and Huberman, including stages of data reduction, presentation, and conclusion drawing, with validation through source and method triangulation. The findings reveal that the effectiveness of sharia dispute resolution is still low at the implementation level. The main influencing factors include low public legal literacy, weak inter-institutional coordination, limited human resources in sharia law, and suboptimal application of maqashid al-shariah principles. A hybrid model combining litigation and sharia-based mediation is identified as a potential alternative to strengthen consumer protection and increase public trust in sharia legal institutions. This study concludes that the effectiveness of sharia dispute resolution must prioritize substantive justice and social welfare rather than mere procedural compliance, to enhance trust and fairness within Indonesia’s Islamic legal system.
Downloads
References
Amanda Tikha Santriati. (2021). PENYELESAIAN SENGKETA PERBANKAN SYARIAH MELALUI BADAN ARBITRASE SYARIAH NASIONAL. El-Wasathiya: Jurnal Studi Agama, 9(1), 38–54. https://doi.org/10.35888/el-wasathiya.v9i1.4395
Anas, I., Alfarouq, A. R. Z., & Nasution, A. (2024). The Role of DSN-MUI Fatwa No.153/DSN-MUI/VI/2022 in Realizing Consumer Protection in The Islamic Banking Sector. EKONOMIKA SYARIAH : Journal of Economic Studies, 8(2), 206–218. https://doi.org/10.30983/es.v8i2.8697
Ariska, I., Ula, T., & Maulana, Z. (2025). The Application of Maqasid Principles in the Resolution of Islamic Banking Disputes in Kota Langsa. Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan Dan Ekonomi Islam, 17(1), 326–338. https://doi.org/10.32505/jurisprudensi.v17i1.10887
Aziz, M. A., & Sasongkojati, F. B. A. (2022). THE EFFECTIVENESS OF SHARIA ECONOMIC DISPUTE RESOLUTION BETWEEN RELIGIOUS COURT AND NATIONAL SHARIA ARBITRATION BOARD. Journal of Islamic Economic Laws, 216–245. https://doi.org/10.23917/jisel.v5i2.19709
Byrne, D. (2022). A worked example of Braun and Clarke’s approach to reflexive thematic analysis. Quality & Quantity, 56(3), 1391–1412. https://doi.org/10.1007/s11135-021-01182-y
Deden Misbahudin Muayyad & Hani Adhani. (2020). Islamic Bank Dispute Resolution and Socioeconomic Rights: Comparison between Indonesia and Malaysia. Journal of Islamic Finance, 9(2), 129–137. https://doi.org/10.31436/jif.v9i2.490
Fauzul+Abid+Libasuttaqwa+Al+Kannur. (n.d.).
Fitriyah, N., & Soviana, R. (2021). Efektivitas Peran Arbitrase Syariah Dalam Menyelesaikan Sengketa Bisnis Syariah Di Indonesia. Jurnal Hukum Ekonomi Syariah, 5(02), 180–189. https://doi.org/10.26618/j-hes.v5i02.5447
Kadi, S. (2025). Accounting and Legal Disputes in Islamic Banking and Finance. Journal of Islamic Economic Laws, 8(01), 19–40. https://doi.org/10.23917/jisel.v8i01.6915
Khatib, S. F. A., Abdullah, D. F., Al Amosh, H., Bazhair, A. H., & Kabara, A. S. (2022). Shariah auditing: Analyzing the past to prepare for the future. Journal of Islamic Accounting and Business Research, 13(5), 791–818. https://doi.org/10.1108/JIABR-11-2021-0291
Laili, S. N., & Hasan, I. (2024). Uncovering the Complexity of Customer Loyalty in Islamic Banks: The Relationship between Service Quality, Experience, and Brand Image through Customer Satisfaction. Indonesian Journal of Islamic Economics and Finance, 4(2), 357–376. https://doi.org/10.37680/ijief.v4i2.6486
Muammar Khaddafi, Rizki Zaskiyah Daulay, Ira Wahyuni, Elke Dwi Soraya, Zuhra Quratul Aini, & Faraisha Syahryanna. (2024). Pengaruh Kualitas Layanan Akuntansi Syariah Terhadap Kepercayaan Nasabah Bank Syariah. SANTRI : Jurnal Ekonomi Dan Keuangan Islam, 2(6), 94–103. https://doi.org/10.61132/santri.v2i6.1005
Prastyanti, R. A. (2023). Perlindungan Hukum Bagi Pengguna Layanan Fintech Lending Syariah Di Indonesia. Jurnal Ilmiah Ekonomi Islam, 9(3), 4029. https://doi.org/10.29040/jiei.v9i3.10437
Puneri, A. (2021). Dispute Resolution for Islamic Banks in Indonesia. International Journal of Islamic Economics and Finance (IJIEF), 4(SI). https://doi.org/10.18196/ijief.v4i0.10084
Ramadhan, M. S., Kusumo Hadi, B., Gautman Raharjo, D., Azzam Arfa, M. F., & Saputra, M. A. (2024). DISPUTE RESOLUTION OF MUDHARABAH CONTRACT FINANCING THROUGH BASYARNAS. Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah, 8(1), 975–987. https://doi.org/10.30651/justeko.v8i1.21285
Ratna Amalia, C., & Nurul Hidayah, A. (2024). Penyelesaian sengketa Perbankan Syariah di Luar Pengadilan Agama. Jurnal Hukum In Concreto, 3(1), 15–26. https://doi.org/10.35960/inconcreto.v3i1.1294
Rusni Hassan, Ibtisam @ Ilyana Ilias, & Tuan Nur Hanis Tuan Ibrahim. (2022). ISLAMIC BANKING DISPUTE RESOLUTION: THE EXPERIENCE OF MALAYSIA AND INDONESIA. IIUM Law Journal, 30(S2), 317–358. https://doi.org/10.31436/iiumlj.v30iS2.771
Setyadi, B., Helmi, S., & Syed Ismail Bin Syed Mohamad. (2023). Customer Satisfaction Mediates the Influence of Service Quality on Customer Loyalty in Islamic Banks. International Journal of Islamic Business and Economics (IJIBEC), 7(1), 25–36. https://doi.org/10.28918/ijibec.v7i1.6924
Suparli, T. (2023). Sharia Fintech Dispute Resolution Formulation in the Religious Courts. Al-Muamalat: Jurnal Ekonomi Syariah, 10(1), 1–12. https://doi.org/10.15575/am.v10i1.21216
Suryadi, S., Marwa, M. H. M., Muhammadi, F., Zuliyah, S., & Megawati, M. (2024). Inconsistency in freedom of contract for banking dispute resolution in Indonesia. Legality : Jurnal Ilmiah Hukum, 32(2), 221–237. https://doi.org/10.22219/ljih.v32i2.33121
Tehedi, T. (2023). MODEL PENYELESAIAN SENGKETA EKONOMI SYARIAH DI BADAN ARBITRASE SYARIAH NASIONAL. Borneo : Journal of Islamic Studies, 3(1), 48–61. https://doi.org/10.37567/borneo.v3i1.1299
Widjaja, G. (2025). Dispute Resolution in Islamic Economic Transactions: The Role and Function of Sharia Arbitration. Journal of Islamic Economic Laws, 8(01), 60–78. https://doi.org/10.23917/jisel.v8i01.6340
Yunita, A. (2021). EFEKTIFITAS PENYELESAIAN SENGKETA EKONOMI SYARIAH MELALUI BADAN ARBITRASE SYARIAH NASIONAL DAERAH ISTIMEWA YOGYAKARTA. Jurnal Hukum Progresif, 9(1), 25–36. https://doi.org/10.14710/jhp.9.1.25-36
Yusfiarto, R., Nugraha, S. S., Pambudi, D. S., & Pambekti, G. T. (2022). Islamic Banking and Loyalty: Service Quality, Intimacy or Religious Driven? Studies in Business and Economics, 17(2), 300–318. https://doi.org/10.2478/sbe-2022-0040
دوبويتز, م. (2019). رؤية أمريكية: آليات التعامل مع التصعيد الإيراني في المنطقة : أبوظبي، 25 سبتمبر 2019. اتجاهات الأحداث, 31, 80–81. https://doi.org/10.12816/0059990
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Muhammad Jailani
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Serambi Madina: Journal of Islamic Studies is licensed under a https://creativecommons.org/licenses/by-nc-sa/4.0/
Serambi Madina: Journal of Islamic Studies is committed to supporting the open and responsible dissemination of scholarly knowledge. Accordingly, all articles published in the journal are licensed under the Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License (CC BY-NC-SA 4.0). This license grants readers, researchers, and the wider public the freedom to access, copy, distribute, and adapt published works, provided that appropriate attribution is given to the original authors, the works are not used for commercial purposes, and any derivative works are distributed under the same license. Through the implementation of this licensing policy, Serambi Madina strives to foster an inclusive, collaborative, and sustainable academic ecosystem that encourages the advancement, exchange, and global dissemination of knowledge in the field of Islamic studies at both the national and international levels.
