Now and Forward: Customer Deposit Insurance of Sharia Bank in Indonesia
Abstract
Sharia banking's characteristic, which underpins its activities on sharia principles, requires a customer protection mechanism in accordance with its characteristics, including customer deposit insurance. This study aims to determine the readiness of sharia banking regulations on customer deposit insurance in Indonesia to strengthen the protection mechanism for Sharia Banking Customers. This article is a normative juridical research that applies an analytical descriptive approach. The insurance for customer deposits of sharia bank in Indonesia is regulated explicitly in the Regulation of Deposit Insurance Cooperation No. 1 of 2020 concerning the Implementation of Sharia Bank Deposit Insurance and Resolution. The regulation determines that deposit insurance must be carried out through a kafalah contract between the Deposit Insurance Corporation and the Customer. However, it does not yet provide a specific arrangement regarding the protection of deposits on social funds in sharia banking. In the future, it is necessary to have regulations related to deposit insurance for social funds in sharia banking in implementing the social functions of sharia banking, especially as Sharia Financial Institutions-Recipients of Money Waqf and arrangement of Money Waqf Nazhir.
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References
Book
Al-Daghistani, Sami. The Making of Islamic Economic Thought. Cambridge: Cambridge University Press, 2021.
Bodig, Matyas. Legal Doctrinal Scholarship. Cheltenham: Edward Elgar Publishing Limited, 2021.
Ognjenovic, Djurdjica. Deposit Insurance Schemes. Switzerland: Springer Nature, 2017.
Journal Article
Abdul Aziz, Jamal and Uus Uswatusolihah. "The Dichotomy Between Tabarru' and Mu'awadah Contracts: Perspective of Indonesia Law of Obligation," Al-Manahij 16, no. 1 (2022): 103-113. https://doi.org/10.24090/mnh.v16i1.6426
Adema, Joop, Christa Hainz, and Carla Rhode. "Deposit Insurance: System Design and Implementation Across Countries." Ifo DICE Reports 17, no. 1 (2019): 42-51.
Ahmad, Ishaq et al. “Objectives of Islamic Banks: a Massive From Mission Statements and Stakeholders' Perceptions.” Journal of Islamic Accounting and Business Research 8, no. 3 (2017): 284-303. https://doi.org/10.1108/JIABR-08-2014-0028
Ahyani, Hisam, Memet Slamet, and Tobroni. “Building the Values of Rahmatan Lil’Alamin for Indonesian Economic Development at 4.0 Era from the Perspective of Philosophy and Islamic Economic Law.” Al-Ihkam: Jurnal Hukum dan Pranata Sosial 16, no. 1 (2021): 155-172. https://doi.org/10.19105/al-lhkam.v16i1.4550
Alam, Nafis, Sara Sophia Binti Zainuddin and Syed Aun R. Rizvi. “Ramifications of Varying Banking Regulations on Performance of Islamic Banks.” Borsa Istanbul Review 19, no. 1 (2019): 49-64. https://doi.org/10.1016/j.bir.2018.05.005
Ashraf, Samreen, Yasmin Sekhon, and Julie Robson. “Consumer Trust and Confidence in the Compliance of Islamic Banks.” Journal of Financial Services Marketing 20, no. 2 (2015): 1-26. https://doi.org/10.1057/fsm.2015.8
Aysan, Ahmet Faruk et al. “Islamic Banks, Deposit Insurance Reform, and Market Discipline: Evidence from a Natural Framework.” Journal of Finance Service Resolution 51 (2017): 257-282. https://doi.org/10.1007/s10693-016-0248-z
Baehaqi, Sofyan, Idqan Fahmi, and Irfan Syauqi Beik. “Determining Factors of Deposit Level of Islamic Bank in Indonesia.” Al-Iqtishad 9, no. 2 (2017): 213-226. http://dx.doi.org/10.15408/aiq.v9i2.5156
Bakhouche, Abderazak, Teheni El Ghak, and Mohammad Alsihab. “Does Islamicity Matter for the Stability of Islamic Banks in Dual Banking System.” Heliyon 8, (2022): 1-14. https://doi.org/10.1016/j.heliyon.2022.e09245
Biyantoro, Aris and Nunung Ghoniyah. “Sharia Compliance and Islamic Corporate Governance.” Trikonomika 18, no. 2 (2019): 69-73. https://doi.org/10.23969/trikonomika.v18i2.1465
Christiani, Theresia Anita. “Normative and Empirical Research Methods: Their Usefulness and Relevance in Study of Law as an Object.” Procedia Social and Behavioral Science 219 (2015): 201-107. https://doi.org/10.1016/j.sbspro.2016.05.006
Darmalaksana, Wahyudin. “The Need for Social Theology to Strengthen the Social Functions of Islamic Banking in Indonesia.” HTS Teologiese Studies 78, no. 1 (2022): 1-13. https://doi.org/10.4102/hts.v78i1.7342
Ghoniyah, Nunung and Sri Hartono. "How Islamic and Conventional Bank in Indonesia Contributing Sustainable Development Goals Achievement." Cogent Economics & Finance 8, no. 1 (2020): 1-23. https://doi.org/10.1080/23322039.2020.1856458pe
Handyanto, Shahyb, Monita Astuti, and Kevin Ajiputra. “Indonesia Sharia Bank Merger Process Reviewed from Business Competition Laws.” Lex Scientia Law Review 5, no.1 (2021): 45-62. https://doi.org/10.15294/lesrev.v5i1.46288
Hamza, Hichem. “Does Investment Deposit Return in Islamic Banks Reflect PLS Principle?.” Borsa Istanbul Review 16, no. 1 (2016): 32-42.
Harrieti, Nun. “The Use of Hybrid Contract in the Innovation of Islamic Banking Product.” Hasanuddin Law Review 4, no. 1 (2018): 68-80. http://dx.doi.org/10.20956/halrev.v4i1.1208
Harrieti, Nun and Lastuti Abubakar. “The Urgent Need for the Establishment of Waqf Bank: The Case of Indonesia.” Hamdard Islamicus 43 (2020) : 862-873. https://doi.org/10.57144/hi.v43iSpecial%20Issue.231
Hasan, Saira Ghulam and Waeibrorheem Waemustafa. “The Funding Liquidity Risk and Bank Risk: A Review on the Islamic and Conventional Banks in Pakistan.” Hamdard Islamicus 43 no. 1 (2020): 83-101. https://doi.org/10.57144/hi.v43i1.38
Hati, Sri Rahayu Hijrah, Sigit Sulistiyo Wibowo, and Anya Safira. “The Antecedents of Muslim Customers' Intention to Invest in an Islamic Bank's Term Deposits: Evidence from a Muslim Majority Country.” Journal of Islamic Marketing 12, no. 7 (2021): 1363-1384. https://doi.org/10.1108/JIMA-01-2020-0007
Hidayah, Nur, Moch. Bukhori Muslim, and Abdul Azis. "Complying with Sharia while Exempting from Value-Added Tax: Murābaḥah in Indonesian Islamic Banks." Ahkam 22, no. 1 (2022): 59-82. https://doi.org/10.15408/ajis.v22i1.22833
Ibrahim, Azharsyah and Abdul Jalil Salam. "A Comparative Analysis of DSN- MUI Fatwas regarding Murabahah Contract and the Real Context Application (A study at Islamic Banking in Aceh)." Samarah: Jurnal Hukum Keluarga dan Hukum Islam 5, no. 1 (2021): 372-401. http://dx.doi.org/10.22373/sjhk.v5i1.8845
Kontot, Keria, Jamil Hamali, and Firdaus Abdullah. “Determining Factors of Customers’ Preferences: A Case of Deposit Products in Islamic Banking.” Procedia Social and Behavioral Sciences 224 (2016): 167- 175. https://doi.org/10.1016/j.sbspro.2016.05.435
Ledhem, Mohammed Ayoub and Mohammed Mekidiche. “Economic Growth and Financial Performance of Islamic Banks: a CAMEL Approach.” Islamic Economic Studies 28, no. 1 (2020): 47-62. https://doi.org/10.1108/IES-05-2020-0016
M.D. Pradeeep. “Legal Research-Descriptive Analysis on Doctrinal Methodology.” International Journal of Management, Technology, and Social Sciences (IJMTS) 4, no. 2 (2019): 96-103. https://doi.org/10.47992/IJMTS.2581.6012.0075
Muneeza, Aishath and Zakariya Mustapha. “Practical Application of Kafalah in Islamic Banking in Malaysia.” PSU Research Review 4, no. 3 (2020): 173-187. https://doi.org/10.1108/PRR-01-2019-0001
Prasada, Erisa Ardika, Joni Emirzon, and KN. Sofyan Hasan. “Philosophy to Strengthen Baitul Maal wat Tamwil Law in Indonesia.” Sriwijaya Law Review 4, no. 2 (2020): 270-284. http://dx.doi.org/10.28946/slrev.Vol4.Iss2.418.pp270-284
Nomran, Niji Mansour and Razali Haron. “A Systematic Literature Review on Shari’ah Governance Mechanism and Firm Performance in Islamic Banking.” Islamic Economic Studies 27, no. 2 (2020): 91-133. https://doi.org/10.1108/IES-06-2019-0013
Rahmasari, Oliv Amalia and Nur Rizqi Febriandika. “The Application of Wadi’ah Contract on Islamic Banking Savings Products through Branchless Banking (Conformity Analysis on Fatwa DSN-MUI and POJK).” Advance in Economics, Business and Management Research 101, (2019): 285-289. https://doi.org/10.2991/iconies-18.2019.56
Ruslan, Murniati. “Islamic Perspectives on the Implementation of Wadi’ah Products at Islamic Banks in Indonesia.” Journal of Economics, Management and Trade 27, no 9 (2021): 36-46. https://doi.org/10.9734/jemt/2021/v27i930366
Supriyatni , Renny and Nurjamil, “The Urgency of Handling Non-Performing Financing in Sharia Banks in the Development of Indonesian Sharia Economics.” Padjadjaran Journal of Law 8, no. 1 (2021): 26-46. https://doi.org/10.22304/pjih.v8n1.a2
Syahbandir, Mahdi et al. "State Authority for Management of Zakat, Infaq, and Sadaqahas Locally-Generated Revenue: A Case Study at Baitul Malin Aceh." al-Ihkam: Jurnal Hukum dan Pranata Sosial 17, no. 2 (2022): 554-577. https://doi.org/10.19105/al-lhkam.v17i2.7229
Thesis
Sjafruddin, "Penerapan Coverage Limit Sistem Penjaminan Simpanan Pada Perbankan Syariah di Indonesia." Master's Thesis, Faculty of Economy and Business Universitas Islam Negeri Sunan Kalijaga Yogyakarta, 2020.
Legal Documents
Indonesia. Law No. 7 of 1992 concerning Banking.
Indonesia. Law No. 24 of 2004 concerning Deposit Insurance Corporation.
Indonesia. Law No. 21 of 2008 concerning Sharia Banking.
Indonesia. Law No. 4 of 2023 concerning the Development and Reinforcement of the Financial Sector.
Indonesia. Regulation of Deposit Insurance Corporation No. 1 of 2020 concerning the Implementation of Sharia Bank Deposit Insurance and Resolution.
Other Documents
DSN-MUI Fatwa No. 01/DSN-MUI/IV/2000 concerning Giro.
DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000 concerning Savings.
DSN-MUI Fatwa No. 03/DSN-MUI/IV/2000 concerning Time Deposits.
DSN-MUI Fatwa No. 11/DSN-MUI/IV/2000 concerning Kafalah.
DSN-MUI Fatwa No. 118/DSN-MUI/II/2018 concerning Guidelines for Insurancing Sharia Bank Customer Deposits.
Islamic Financial Services Board and International Association of Deposit Insurers. “Core Principles for Effective Islamic Deposit Insurance System.” https://www.iadi.org/en/assets/File/Core%20Principles/IADI-IFSB%20CPIDIS_IFSB%20Approved_05%20July%202021%20Clean.pdf
Lembaga Penjamin Simpanan. "Cetak Biru Penjaminan Syariah: Implementasi Fatwa No. 118/DSN-MUI/2018 Tentang Penjaminan Syariah.” https://www.lps.go.id/documents/604798/0/Research+Working+Paper++Cetak+Biru+Penjaminan+Syariah+Implementasi+Fatwa+Nomor+118-DSN+MUI-2018+tentang+Penjaminan+Syariah.pdf/9871db59-4a2e-42fc-a6bf-31624565bed7
Indonesia Deposit Insurance Corporation. "Deposit Distribution of Commercial Banks April 2023." https://www.lps.go.id/documents/10157/197446/Distribusi+Simpanan+Bank+Umum+April+2023_Rev.pdf/074bbc3e-ae81-430a-a539-80eab1a1f784
Case Law
Tasikmalaya Religius Court. Decision No.1224/Pdt.G/2017/PA.Tmk, (PT. Sharia People's Financing Bank v. Agus Kusdiana, Lilis Fitriani), 2017.
Situbondo Religious Court. Decision No.01/Pdt.G.S/2020/PA.Sit (PT. Sharia People's Financing Bank Situbondo v. the defendants), 2020.
Website Content
Lembaga Penjamin Simpanan. “Simpanan yang dijamin.” https://www.lps.go.id/simpanan-yang-dijamin
Al-Daghistani, Sami. The Making of Islamic Economic Thought. Cambridge: Cambridge University Press, 2021.
Bodig, Matyas. Legal Doctrinal Scholarship. Cheltenham: Edward Elgar Publishing Limited, 2021.
Ognjenovic, Djurdjica. Deposit Insurance Schemes. Switzerland: Springer Nature, 2017.
Journal Article
Abdul Aziz, Jamal and Uus Uswatusolihah. "The Dichotomy Between Tabarru' and Mu'awadah Contracts: Perspective of Indonesia Law of Obligation," Al-Manahij 16, no. 1 (2022): 103-113. https://doi.org/10.24090/mnh.v16i1.6426
Adema, Joop, Christa Hainz, and Carla Rhode. "Deposit Insurance: System Design and Implementation Across Countries." Ifo DICE Reports 17, no. 1 (2019): 42-51.
Ahmad, Ishaq et al. “Objectives of Islamic Banks: a Massive From Mission Statements and Stakeholders' Perceptions.” Journal of Islamic Accounting and Business Research 8, no. 3 (2017): 284-303. https://doi.org/10.1108/JIABR-08-2014-0028
Ahyani, Hisam, Memet Slamet, and Tobroni. “Building the Values of Rahmatan Lil’Alamin for Indonesian Economic Development at 4.0 Era from the Perspective of Philosophy and Islamic Economic Law.” Al-Ihkam: Jurnal Hukum dan Pranata Sosial 16, no. 1 (2021): 155-172. https://doi.org/10.19105/al-lhkam.v16i1.4550
Alam, Nafis, Sara Sophia Binti Zainuddin and Syed Aun R. Rizvi. “Ramifications of Varying Banking Regulations on Performance of Islamic Banks.” Borsa Istanbul Review 19, no. 1 (2019): 49-64. https://doi.org/10.1016/j.bir.2018.05.005
Ashraf, Samreen, Yasmin Sekhon, and Julie Robson. “Consumer Trust and Confidence in the Compliance of Islamic Banks.” Journal of Financial Services Marketing 20, no. 2 (2015): 1-26. https://doi.org/10.1057/fsm.2015.8
Aysan, Ahmet Faruk et al. “Islamic Banks, Deposit Insurance Reform, and Market Discipline: Evidence from a Natural Framework.” Journal of Finance Service Resolution 51 (2017): 257-282. https://doi.org/10.1007/s10693-016-0248-z
Baehaqi, Sofyan, Idqan Fahmi, and Irfan Syauqi Beik. “Determining Factors of Deposit Level of Islamic Bank in Indonesia.” Al-Iqtishad 9, no. 2 (2017): 213-226. http://dx.doi.org/10.15408/aiq.v9i2.5156
Bakhouche, Abderazak, Teheni El Ghak, and Mohammad Alsihab. “Does Islamicity Matter for the Stability of Islamic Banks in Dual Banking System.” Heliyon 8, (2022): 1-14. https://doi.org/10.1016/j.heliyon.2022.e09245
Biyantoro, Aris and Nunung Ghoniyah. “Sharia Compliance and Islamic Corporate Governance.” Trikonomika 18, no. 2 (2019): 69-73. https://doi.org/10.23969/trikonomika.v18i2.1465
Christiani, Theresia Anita. “Normative and Empirical Research Methods: Their Usefulness and Relevance in Study of Law as an Object.” Procedia Social and Behavioral Science 219 (2015): 201-107. https://doi.org/10.1016/j.sbspro.2016.05.006
Darmalaksana, Wahyudin. “The Need for Social Theology to Strengthen the Social Functions of Islamic Banking in Indonesia.” HTS Teologiese Studies 78, no. 1 (2022): 1-13. https://doi.org/10.4102/hts.v78i1.7342
Ghoniyah, Nunung and Sri Hartono. "How Islamic and Conventional Bank in Indonesia Contributing Sustainable Development Goals Achievement." Cogent Economics & Finance 8, no. 1 (2020): 1-23. https://doi.org/10.1080/23322039.2020.1856458pe
Handyanto, Shahyb, Monita Astuti, and Kevin Ajiputra. “Indonesia Sharia Bank Merger Process Reviewed from Business Competition Laws.” Lex Scientia Law Review 5, no.1 (2021): 45-62. https://doi.org/10.15294/lesrev.v5i1.46288
Hamza, Hichem. “Does Investment Deposit Return in Islamic Banks Reflect PLS Principle?.” Borsa Istanbul Review 16, no. 1 (2016): 32-42.
Harrieti, Nun. “The Use of Hybrid Contract in the Innovation of Islamic Banking Product.” Hasanuddin Law Review 4, no. 1 (2018): 68-80. http://dx.doi.org/10.20956/halrev.v4i1.1208
Harrieti, Nun and Lastuti Abubakar. “The Urgent Need for the Establishment of Waqf Bank: The Case of Indonesia.” Hamdard Islamicus 43 (2020) : 862-873. https://doi.org/10.57144/hi.v43iSpecial%20Issue.231
Hasan, Saira Ghulam and Waeibrorheem Waemustafa. “The Funding Liquidity Risk and Bank Risk: A Review on the Islamic and Conventional Banks in Pakistan.” Hamdard Islamicus 43 no. 1 (2020): 83-101. https://doi.org/10.57144/hi.v43i1.38
Hati, Sri Rahayu Hijrah, Sigit Sulistiyo Wibowo, and Anya Safira. “The Antecedents of Muslim Customers' Intention to Invest in an Islamic Bank's Term Deposits: Evidence from a Muslim Majority Country.” Journal of Islamic Marketing 12, no. 7 (2021): 1363-1384. https://doi.org/10.1108/JIMA-01-2020-0007
Hidayah, Nur, Moch. Bukhori Muslim, and Abdul Azis. "Complying with Sharia while Exempting from Value-Added Tax: Murābaḥah in Indonesian Islamic Banks." Ahkam 22, no. 1 (2022): 59-82. https://doi.org/10.15408/ajis.v22i1.22833
Ibrahim, Azharsyah and Abdul Jalil Salam. "A Comparative Analysis of DSN- MUI Fatwas regarding Murabahah Contract and the Real Context Application (A study at Islamic Banking in Aceh)." Samarah: Jurnal Hukum Keluarga dan Hukum Islam 5, no. 1 (2021): 372-401. http://dx.doi.org/10.22373/sjhk.v5i1.8845
Kontot, Keria, Jamil Hamali, and Firdaus Abdullah. “Determining Factors of Customers’ Preferences: A Case of Deposit Products in Islamic Banking.” Procedia Social and Behavioral Sciences 224 (2016): 167- 175. https://doi.org/10.1016/j.sbspro.2016.05.435
Ledhem, Mohammed Ayoub and Mohammed Mekidiche. “Economic Growth and Financial Performance of Islamic Banks: a CAMEL Approach.” Islamic Economic Studies 28, no. 1 (2020): 47-62. https://doi.org/10.1108/IES-05-2020-0016
M.D. Pradeeep. “Legal Research-Descriptive Analysis on Doctrinal Methodology.” International Journal of Management, Technology, and Social Sciences (IJMTS) 4, no. 2 (2019): 96-103. https://doi.org/10.47992/IJMTS.2581.6012.0075
Muneeza, Aishath and Zakariya Mustapha. “Practical Application of Kafalah in Islamic Banking in Malaysia.” PSU Research Review 4, no. 3 (2020): 173-187. https://doi.org/10.1108/PRR-01-2019-0001
Prasada, Erisa Ardika, Joni Emirzon, and KN. Sofyan Hasan. “Philosophy to Strengthen Baitul Maal wat Tamwil Law in Indonesia.” Sriwijaya Law Review 4, no. 2 (2020): 270-284. http://dx.doi.org/10.28946/slrev.Vol4.Iss2.418.pp270-284
Nomran, Niji Mansour and Razali Haron. “A Systematic Literature Review on Shari’ah Governance Mechanism and Firm Performance in Islamic Banking.” Islamic Economic Studies 27, no. 2 (2020): 91-133. https://doi.org/10.1108/IES-06-2019-0013
Rahmasari, Oliv Amalia and Nur Rizqi Febriandika. “The Application of Wadi’ah Contract on Islamic Banking Savings Products through Branchless Banking (Conformity Analysis on Fatwa DSN-MUI and POJK).” Advance in Economics, Business and Management Research 101, (2019): 285-289. https://doi.org/10.2991/iconies-18.2019.56
Ruslan, Murniati. “Islamic Perspectives on the Implementation of Wadi’ah Products at Islamic Banks in Indonesia.” Journal of Economics, Management and Trade 27, no 9 (2021): 36-46. https://doi.org/10.9734/jemt/2021/v27i930366
Supriyatni , Renny and Nurjamil, “The Urgency of Handling Non-Performing Financing in Sharia Banks in the Development of Indonesian Sharia Economics.” Padjadjaran Journal of Law 8, no. 1 (2021): 26-46. https://doi.org/10.22304/pjih.v8n1.a2
Syahbandir, Mahdi et al. "State Authority for Management of Zakat, Infaq, and Sadaqahas Locally-Generated Revenue: A Case Study at Baitul Malin Aceh." al-Ihkam: Jurnal Hukum dan Pranata Sosial 17, no. 2 (2022): 554-577. https://doi.org/10.19105/al-lhkam.v17i2.7229
Thesis
Sjafruddin, "Penerapan Coverage Limit Sistem Penjaminan Simpanan Pada Perbankan Syariah di Indonesia." Master's Thesis, Faculty of Economy and Business Universitas Islam Negeri Sunan Kalijaga Yogyakarta, 2020.
Legal Documents
Indonesia. Law No. 7 of 1992 concerning Banking.
Indonesia. Law No. 24 of 2004 concerning Deposit Insurance Corporation.
Indonesia. Law No. 21 of 2008 concerning Sharia Banking.
Indonesia. Law No. 4 of 2023 concerning the Development and Reinforcement of the Financial Sector.
Indonesia. Regulation of Deposit Insurance Corporation No. 1 of 2020 concerning the Implementation of Sharia Bank Deposit Insurance and Resolution.
Other Documents
DSN-MUI Fatwa No. 01/DSN-MUI/IV/2000 concerning Giro.
DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000 concerning Savings.
DSN-MUI Fatwa No. 03/DSN-MUI/IV/2000 concerning Time Deposits.
DSN-MUI Fatwa No. 11/DSN-MUI/IV/2000 concerning Kafalah.
DSN-MUI Fatwa No. 118/DSN-MUI/II/2018 concerning Guidelines for Insurancing Sharia Bank Customer Deposits.
Islamic Financial Services Board and International Association of Deposit Insurers. “Core Principles for Effective Islamic Deposit Insurance System.” https://www.iadi.org/en/assets/File/Core%20Principles/IADI-IFSB%20CPIDIS_IFSB%20Approved_05%20July%202021%20Clean.pdf
Lembaga Penjamin Simpanan. "Cetak Biru Penjaminan Syariah: Implementasi Fatwa No. 118/DSN-MUI/2018 Tentang Penjaminan Syariah.” https://www.lps.go.id/documents/604798/0/Research+Working+Paper++Cetak+Biru+Penjaminan+Syariah+Implementasi+Fatwa+Nomor+118-DSN+MUI-2018+tentang+Penjaminan+Syariah.pdf/9871db59-4a2e-42fc-a6bf-31624565bed7
Indonesia Deposit Insurance Corporation. "Deposit Distribution of Commercial Banks April 2023." https://www.lps.go.id/documents/10157/197446/Distribusi+Simpanan+Bank+Umum+April+2023_Rev.pdf/074bbc3e-ae81-430a-a539-80eab1a1f784
Case Law
Tasikmalaya Religius Court. Decision No.1224/Pdt.G/2017/PA.Tmk, (PT. Sharia People's Financing Bank v. Agus Kusdiana, Lilis Fitriani), 2017.
Situbondo Religious Court. Decision No.01/Pdt.G.S/2020/PA.Sit (PT. Sharia People's Financing Bank Situbondo v. the defendants), 2020.
Website Content
Lembaga Penjamin Simpanan. “Simpanan yang dijamin.” https://www.lps.go.id/simpanan-yang-dijamin
Published
2023-07-31
How to Cite
HARRIETI, Nun et al.
Now and Forward: Customer Deposit Insurance of Sharia Bank in Indonesia.
Udayana Journal of Law and Culture, [S.l.], v. 7, n. 2, p. 159-177, july 2023.
ISSN 2549-0680.
Available at: <https://ojs.unud.ac.id/index.php/ujlc/article/view/101684>. Date accessed: 16 may 2024.
doi: https://doi.org/10.24843/UJLC.2023.v07.i02.p03.
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