Distinguishing Receivable Assignment and Hissah Transfer in Musyarakah Mutanaqisah Contracts
DOI:
https://doi.org/10.33511/almizan.v10n2.144-160Keywords:
Musyarakah mutanaqisah, hissah transfer, receivable assignment, judicial reasoningAbstract
Musyarakah Mutanaqisah is an Islamic financing contract based on joint ownership between a financial institution and a customer through the gradual transfer of ownership shares (hissah). However, the legal characterization of a bank's transfer of rights to a third party remains contested, particularly regarding whether the transaction constitutes a receivable assignment (cessie) or a transfer of ownership rights. This study aims to analyze the judicial reasoning in Decision No. 1271/Pdt.G/2023/PA.Bgr of the Bogor Religious Court, affirmed by Decision No. 180/Pdt.G/2024/PTA.Bdg of the Bandung Religious High Court, and to assess its conformity with the principles governing Musyarakah Mutanaqisah and hissah transfer under Islamic law. Using a normative-empirical legal approach, this study examines judicial decisions, relevant legal materials, and interview data from court officials. The findings reveal that the courts characterized the transaction as a cessie, rendering notification to the customer sufficient for legal validity. Nevertheless, the decisions also recognized that the transferred object was the bank's ownership share in jointly owned property. This study contributes to Islamic commercial law by clarifying the distinction between receivable assignment and hissah transfer and highlighting the importance of accurately identifying the transferred object before determining the applicable legal framework.
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