dispute resolution of shariah economy in murahabah financing contract in sahabat mitra sejati cooperatives

sharia resolution in the murabahah financing contract at the mitra sejati cooperative indirectly in the process of resolving the dispute still refers to law no. 21 of 2008 concerning sharia banking. while the fatwa of the national syari ah council number 07 / dsn-mui / iv / 2000 explained that the resolution of murabahah financing disputes was in the syari ah arbitration board. according to article 55 of law no. 21 of 2008 concerning sharia banking, that sharia dispute resolution can be carried out by the court within the religious court environment and can also be resolved by referring to the contents of the contract. in fact, murabahah financing contracts carried out by true partner cooperatives do not explicitly appoint which judicial institutions to solve them. sharia dispute resolution in the murabahah financing contract must be settled in the religious court but the fact is resolved in non-litigation in the form of a public auction. when viewed from the theoretical concept of legal certainty, this does not reflect the firmness in the rule of law because the resolution through non kpknl parate litigation does not yet have binding legal force. where the results of the auction cannot automatically have disputed objects. with respect to murabahah financing agreements in true partner cooperatives, legal defects can be declared because there is no firmness and there is no accuracy of the contract maker when a dispute occurs where the contract maker does not confirm which institution is appointed and agreed when a dispute occurs.