The Application of Maqasid Principles in the Resolution of Islamic Banking Disputes in Kota Langsa

Abstrak

Ideally, dispute resolution in Islamic banking should reflect the principles of Maqasid al-Shariah, which emphasize justice, public welfare (maslahah), and the protection of five essential elements: religion (din), life (nafs), intellect (‘aql), lineage (nasl), and wealth (mal). However, the reality in Kota Langsa shows that in practice, dispute resolution often does not fully adhere to these principles. Complaints from customers still arise, with some perceiving the banks as lacking transparency and tending to adopt solutions that disadvantage the clients. This study aims to analyze the extent to which the principles of Maqasid al-Shariah are applied in resolving Islamic banking disputes in Kota Langsa. The research employs a descriptive qualitative method with a juridical-empirical approach. The findings reveal that the implementation of Maqasid al-Shariah has been integrated through Sharia-based mediation facilitated by arbitration institutions and religious courts. This approach is considered effective in producing fair and harmonious solutions that balance Sharia principles with the practical interests of the community. Nevertheless, strengthening Sharia legal education, improving competencies, and developing more integrated regulations are essential for long-term effectiveness.