Fines to pay compensation

b. Outside the Court

The solution to dispute of customer protection outside the court can be solved in Islamic Arbitration body. Because Islamic Microfinance Institutions is one of the financial institutions based on sharia, the dispute resolution of consumer complaints can be made through National Sharia Arbitration Body or BASYARNAS. This is in accordance with the Microfinance Institutions that use Islamic principles in running their business activities shall be conducted in accordance with fatwah sharia issued by the National Islamic Council, the Indonesian Ulama Council. It is stated in Article 12 of Law No. 1 of 2013 on Microfinance Institutions. 23 In addition in Article 49 of the point I of Law No. 3 of 2006 on changes to Law No. 7 of 1989 on Religious Court also mentions the relevant authority of religious courts in charge of examining, decide and resolve cases first level between the Islamic religion in the field Islamic Economics , which is then interpreted as an act or activity carried out according to Islamic principles, among others: a. Islamic Bank b. Islamic Microfinance Institutions c. Takaful d. Retakaful Reasuransi Syariah e. Islamic Mutual Funds f. Islamic Bonds 23 Kaffi Wanatul Ma’wa, Lo.cit.,p 19-21 g. Commercial Paper, medium-term sharia h. Sharia Securities i. Mortgage Sharia j. Pension Funds Islamic Financial Institutions k. Islamic Bank It is based on Article 6 of Law No. 30 of 1999 on Alternative Dispute Resolution, which asserts that the dispute or difference of opinion civil cases can be resolved by the parties through alternative dispute resolution based on good faith to the exclusion of the litigation settlement. Repressive Protection on the form of settlement of customer claims against Islamic Microfinance Institutions should be resolved first by Islamic Microfinance Institutions that, if the agreement cannot reached, the depositor, the depositor may apply for settlement through non-litigation it is through National Sharia Arbitration Body BASYARNAS, if not through arbitration institution, it can be submitted to the FSA to obtain a settlement facilities. If an agreement has not been reached, it can be through court litigation in this case religion. In additional there are also the Consumer Protection Provisions in Financial Services sector which is explain in Regulation of Financial Service Authority No.1POJK.072013 The Regulation of Financial Services Authority No. 1POJK.072013, which explains the Consumer Protection Provisions Financial Services sector is :