Kesenjangan dan Perlindungan Hukum Nasabah BMT di Indonesia: Systematic Literature Review

Authors

  • Briza Khaterine Ananda Universitas Trunojoyo Madura, Indonesia
  • Taufiqur Rahman Universitas Trunojoyo Madura, Indonesia

DOI:

https://doi.org/10.58518/al-faruq.v4i2.3700

Keywords:

Legal Protection, BMT Customers, Systematic Literature Review

Abstract

This study aims to examine the research gaps and legal protection for customers in the practice of Baitul Maal wat Tamwil (BMT) in Indonesia. The main research question is: to what extent has the scientific literature from 2019 to 2024 discussed customer legal protection in BMT and what gaps remain unexplored? This research uses a Systematic Literature Review (SLR) method by collecting and analyzing articles from databases such as Google Scholar, DOAJ, and Garuda. The review of eleven articles reveals that discussions are still mostly normative, lack empirical data, and have not addressed customer participation or the role of technology. The study recommends more field-based research, digital system integration, and the establishment of a Sharia-based Deposit Insurance Institution (LPS) as concrete solutions. This study is expected to serve as a basis for developing consumer protection policies in the Islamic microfinance sector.

References

Aziz, Aufar Abdul. “Perlidungan Hukum Bagi Nasabah BMT (Baitul Maal Wat Tamwil) Melalui Pembentukan LPS (Lembaga Penjamin Simpanan).” Supremasi Hukum: Jurnal Kajian Ilmu Hukum 11, no. 2 (2022): 161–178.

Fistiyanti, Davinta. “Penyelesaian Cidera Janji Oleh BMT UGT Sidogiri Cabang Mojo Kediri Ditinjau Dari Hukum Ekonomi Syariah.” Institut Agama Islam Negeri Kediri, 2018.

Fitra, Naufal Salma & Rizal. “Peningkatan Kesehatan Lembaga Keuangan Mikro Syariah Melalui Strategi Manajemen Permodalan Pada Bmt Maslahah Ngawi Jawa Timur.” Inasjif 2, no. 2 (2024): 168–177.

Fitri, Nadia Salzabila, and Ilham. “Aspek Perlindungan Hukum Nasabah.” Jurnal Bisnis, Ekonomi Syariah, dan Pajak 2, no. 2 (2025): 22–35.

Hayati, Riska Fauziah, Ali Akbar, and Arifki Budia Warman. “Tarik Menarik Kewenangan Pengawasan Lembaga Baitul Maal Wat Tamwil (BMT) Di Indonesia Pasca UU Nomor 1 Tahun 2013.” Ijtihad 36, no. 1 (2020): 27–36. https://journals.fasya.uinib.org/index.php/ijtihad/article/view/98.

Jannah, Mifthahul, Raffles, and Evalina Alissa. “Perlindungan Hukum Bagi Nasabah Penyimpan Pada Lembaga Keuangan Mikro Syariah.” Zaaken: Journal of Civil and Business Law 2, no. 2 (2021): 261–280.

Lusiana, and Melva Suryani. “Metode SLR Untuk Mengidentifikasi Isu-Isu Dalam Software Engineering.” SATIN - Sains dan Teknologi Informasi 3, no. 1 (2018): 1–11.

Mahmudi, Imam. “Perlindungan Hukum Bagi Para Pihak Dalam Perjanjian Akad Murobahah Perspektif Hukum Islam DanKUHperdata (Studi Kasus BMT Istiqomah Tulungagung).” Al-Muttaqin 2, no. 1 (2021): 109–116.

Mawardi, Imam. “Mitigasi Pembiayaan Bermasalah Pada Bmt Ugt Sidogiri Cabang Larangan Sidoarjo.” AKSY Jurnal Ilmu Akuntansi dan Bisnis Syariah 5, no. 2 (2023): 123–138.

Mujiono, Slamet. “Urgensi Regulasi Pengawasan Baitul Mal Wat Tamwil (BMT) Di Indonesia.” LABATILA : Jurnal Ilmu Ekonomi Islam 2, no. 1 (2018): 74–94.

Naqiyah, and Nita Triana. Rekonstruksi BMT Sebagai Lembaga Keuangan Alternatif. Edited by Ahmad Zayyadi. 1st ed. Yogyakarta: Pustaka Ilmu, 2021.

Nursetiana, Herni, Najma Azima, Amalina Zulfa, Afrida Tsania, Dwi Novaria, Misidawati, and Putri Prasetya Islami. “Analisis Etika Bisnis Pada BMT Mitra Umat : Ketidakmampuan Membayar Tabungan Nasabah Sebagai Bentuk Pelanggaran Kepercayaan.” Ekonosfera 1, no. 2 (2025): 132–143.

Octavianus, Rendra Alfonso, and Rian Mangapul Sirait. “Perlindungan Hukum Perdata Terhadap Simpanan Anggota Koperasi Studi Kasus Koperasi BMT Jaya Bersama Syariah.” Jurnal Teknologi, Kesehatan Dan Ilmu Sosial 4, no. 2 (2022): 328–338.

Putri, Ayu Franita. “Perlindungan Hukum Terhadap Nasabah BMT Asyiffa Kec. Sekampung Lampung Timur Yang Dilikuidasi.” Az-Zarqa’ 11, no. 2 (2019): 315–330. http://ejournal.uin-suka.ac.id/syariah/azzarqa/article/view/1706/0%0Ahttp://ejournal.uin-suka.ac.id/syariah/azzarqa/article/download/1706/1539.

Retnowati, May Shinta, Muhammad Ulul Azmi, and Hifdhotul Munawaroh. “Restrukturisasi Sebagai Sarana Negosiasi Pada Pembiayaan Macet Jual Beli Angsuran Di BMT IKPM Ponorogo.” Al Iqtishadiyah Jurnal Ekonomi Syariah Dan Hukum Ekonomi Syariah 7, no. 1 (2022): 47.

Rinaldi, Farrel Ardan, and Bintang Kusuma Wijaya. “Efektivitas Penegakan Hukum Terhadap Tindak Pidana Perbankan : Studi Kasus Pembobolan Dana Nasabah.” PENG 2, no. 2 (2025): 3437–3447.

Salsabillah, Silvia Divi. “Perlindungan Hukum Nasabah Penyimpan Baitul Maal Wa Tamwil Setelah Izin Usahanya Dicabut.” Jurist-Diction 6, no. 2 (2023): 333–350.

Simanjuntak, Martha Herlinawati. “OJK Terima 23.064 Pengaduan Sepanjang 2023.” AntaraNews. Last modified 2024. Accessed June 1, 2025. https://www.antaranews.com/berita/3907938/ojk-terima-23064-pengaduan-sepanjang-2023.

Sodikin, and Misbakhul Munir. “Aspek Kepatuhan Hukum Dan Pengawasan Otoritas Jasa Keuangan Pada Baitul Maal Wat Tamwil Di Indonesia (Studi Pada KSPPS BMT Nurma Kebumen).” Sangaji 8, no. 2 (2024): 213–222.

Sugiyono. Metode Penelitian Kuantitatif, Kualitatif Dan R&D. Bandung: Alfabeta, 2020.

Tussa’adah, Fitria. “Peran Baitul Maal Wat Tamwil (BMT) Dalam Mendorong Pertumbuhan Ekonomi Indonesia Melalui UMKM.” Paraduta: Jurnal Ekonomi dan Ilmu-Ilmu Sosial 2, no. 2 (2024): 58–63. https://ojs.umada.ac.id/index.php/Paraduta/article/view/669.

Wahyudi, Angga. “Perlindungan Hukum Terhadap Anggota BMT Dalam Hukum Positif.” Institut Agama Islam Negeri Metro, 2021.

Downloads

Published

2025-07-30

Issue

Vol. 4 No. 2 (2025): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam

Section

Articles

License

Copyright (c) 2025 Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Authors who publish with this journal agree to the following terms:

  1. Copyright on any article is retained by the author(s).
  2. The author grants the journal, right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work’s authorship and initial publication in this journal.
  3. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
  4. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
  5. The article and any associated published material is distributed under the Creative Commons Attribution-ShareAlike 4.0 International License

How to Cite

Kesenjangan dan Perlindungan Hukum Nasabah BMT di Indonesia: Systematic Literature Review. (2025). Al-Faruq: Jurnal Hukum Ekonomi Syariah Dan Hukum Islam, 4(2), 89-112. https://doi.org/10.58518/al-faruq.v4i2.3700