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October 17, 2025Al Ushuliy Jurnal Mahasiswa Syariah dan HukumOpen Access

Utilizing Temporary Employment Decrees (SK THL) as Collateral in Islamic Financing: Legal and Practical Insights from PT. BPRS Carana Kiat Andalas

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Authors

RSRamadhan SuryadiZZZulkifli Zulkifli

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Overview

Observational analysis reveals challenges using temporary employment decrees as collateral in Islamic banks, suggesting further risk assessments are essential.

Key Points

  • The procedure for utilizing temporary employment decrees in murabahah financing involves evaluating creditworthiness and income consistency.
  • While temporary employment decrees can attract customers, they introduce risks like potential installment defaults due to employment instability.
  • Verification of key contractual elements is needed to mitigate financing risks when using temporary employment decrees as collateral.
  • Using temporary employment decrees as collateral necessitates rigorous debtor assessment and alignment with Sharia compliance.

Cite This Study

Suryadi et al. (2025) studied this question.

synapsesocial.com/papers/68f199c5de32064e504dce65https://doi.org/10.31958/alushuliy.v4i1.15658
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