Consumer Protection for Sharia-Based Housing Procurement According to Law Number 8 of 1999 Concerning Consumer Protection

Abstract

Human needs are diverse according to their dignity which is always increasing, while the ability to achieve something they want is limited. This causes humans to need help to fulfill their desires and ideals, one of which is to have a house. Cases of fraudulent sharia housing continue to increase. Most recently, the police have succeeded in revealing a house fraud under the guise of sharia. In accordance with Law No. 1 of 2011 concerning housing and residential areas, the task of the central government is to supervise and control regional governments (Pemda). In addition, the central government also carries out supervisory and control functions for registered legal developers. What is meant by legal developers are companies registered in the developer regulation system of the Ministry of Public Works and Public Housing (SIRENG-PUPR) and the housing developer association. Meanwhile, regarding sharia housing developers, Khalawi said that the central government in this case does not provide special provisions for developers registered in the system. The research method used is library research using secondary data and the nature of normative legal research. Research Results: Complaints about the lack of housing infrastructure to the disappointing quality of housing products are often submitted by consumers (customers) to developers. However, the developers do not care too much about it. Unlike conventional banks that receive complaints from customers because of sudden increases in credit installments due to interest, Islamic banks do not use an interest system in their operations so that complaints from conventional bank customers will not occur to Islamic bank mortgage financing customers. However, the real problem is not the imposition of interest, but rather the protection for customers using banking services, namely concerning the fulfillment of customer rights by the bank such as customer rights before transacting with the bank, customer rights during the transaction, and customer rights after the transaction.