PENYELESAIAN SENGKETA

• Aisya Nursana

  Universitas Islam Ahmad Dahlan, Sinjai

  Author

• Wulan

  Universitas Islam Ahmad Dahlan, Sinjai

  Author

• Yuliana

  Universitas Islam Ahmad Dahlan, Sinjai

  Author

• Risnawati

  Universitas Islam Ahmad Dahlan, Sinjai

  Author

• Wirga Ningra. Hs

  Universitas Islam Ahmad Dahlan, Sinjai

  Author

• Muh Nasaruddin

  Universitas Islam Ahmad Dahlan, Sinjai

  Author

• Muhammad Raihan Zaini

  Universitas Islam Ahmad Dahlan, Sinjai

  Author

• A.Muh.Rifqi Rahman

  Universitas Islam Ahmad Dahlan, Sinjai

  Author

• St.Hadijah Wahid

  Universitas Islam Ahmad Dahlan, Sinjai

  Author

The development of the Islamic banking industry in Indonesia has led to increasing transactional complexity and a higher potential for disputes between banks and customers. This study aims to analyze the dispute resolution mechanisms in Islamic banking and the effectiveness of the institutions authorized to handle such disputes. The research employs a normative juridical method with statutory, conceptual, and case analysis approaches. The findings indicate that dispute resolution can be pursued through two main pathways: non-litigation, which includes banking mediation and sharia arbitration, and litigation through the Religious Courts as the institution with absolute authority. Non-litigation channels are considered more efficient and faster; however, challenges remain, particularly regarding public literacy and the suboptimal application of arbitration clauses in contracts. Meanwhile, dispute resolution through the Religious Courts provides legal certainty, although it requires a longer process. This study underscores the importance of regulatory harmonization, capacity building for human resources, and strengthening sharia-based dispute resolution institutions.

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