Consumers Spiritual Rights in the Islamic Banking Dispute Out of Court Settlement

Abstract

From the perspective of consumer protection, consumer of Islamic Financial Institution (LKS) have spiritual rights, in which their religious rights are guaranteed in the form of sharia principles. The problem is that the provisions in Indonesia Financial Services Authority Regulation (POJK) Number 1/ POJK.07/ 2014 concerning Alternative Disputes Settlement Institutions do not contain clauses related to these spiritual rights. Using a doctrinal approach, especially philosophical, juridical, and practical, this study aims to analyze the POJK using the perspective of consumer protection, specifically spiritual rights. The results of the study found the disharmony of law in the alternative disputes settlement. If the problem does not receive adequate attention, it means that it does not encourage the legal certainty that is needed for Indonesia Islamic economic law development.