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Tinjaun Yuridis Terhadap Kesiapan Kewajiban Spin Off Bagi Unit UsahaSyariah (UUS) Menjadi Bank Umum Syariah (BUS) Wiwin Muchtar Wiyono
Wijayakusuma Law Review Vol. 6 No. 1 (2024): Wijayakusuma Law Review
Publisher : Faculty of Law, Universitas Wijayakusuma Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51921/wlr.xdnjhb83

Law Number 21 of 2008 concerning Sharia Banking in Article 68 paragraph 1 and Article 40 Article 40PBI No. 11/10/PBI/2009 mandates that every Sharia Business Unit (UUS) which is a sharia unit in aConventional Commercial Bank (BUK) to separate itself (spin-off). and it is explained that UUS is obligedto separate into BUS if the value of UUS assets has reached 50% (fifty percent) of the total asset value ofits parent BUK. The spin-off time is no later than 15 (fifteen) years from the enactment of the law, namely2023. The aim of this writing is to determine the impact of the spin-off on UUS by analyzing the solutionsthat can be offered. The research results show that it is necessary to review Law Number 21 of 2008concerning Sharia Banking by considering the financial condition of UUS. Apart from that, UUS whichhas carried out a spin-off by becoming a new BUS can optimize the use of Third Party Funds in the formof financing and other services. In order to encourage BUS growth, support from the government isneeded, such as providing tax incentives and simplifying regulations on capital participation. Apart fromthat, the new BUS needs to carry out various innovations by adding financing products and developingexisting products. This research aims to determine the readiness of the Spin Off obligation for UUS tobecome a BUS and the issue of readiness to fulfill the obligations of UUS to become a BUS in July 2023.Keywords: Spin-off Obligations, Sharia Business Units (UUS), Sharia Commercial Banks (BUS)

Tinjauan Yuridis Terhadap Kesiapan Kewajiban Spin Off Bagi UnitUsaha Syariah (UUS) Menjadi Bank Umum Syariah (BUS) Wiwin Muchtar Wiyono; Iskatrinah
Wijayakusuma Law Review Vol. 4 No. 2 (2022): Wijayakusuma Law Review
Publisher : Faculty of Law, Universitas Wijayakusuma Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51921/wlr.99v9g782

Law Number 21 of 2008 concerning Sharia Banking in Article 68 paragraph 1 and Article 40 Article 40 PBI No.11/10/ PBI / 2009 mandates that every Sharia Business Unit (UUS) that becomes a sharia unit at aConventional Commercial Bank (BUK) to separate itself (spin-off). and explained that UUS is required toseparate into BUS if UUS asset value has reached 50% (fifty percent) of the total asset value of its parent BUK.The spin-off time is no later than 15 (fifteen) years since the law was enacted, namely in 2023. If the spin-offorder is not carried out by each UUS, then Bank Indonesia as the central bank will impose sanctions in the formof revocation of operational licenses. But the problem that arises is in the face of time spin-offs are not a fewUUS are overwhelmed in preparing capital so that they have not been able to stand on their own afterseparating. The purpose of writing is to find out the impact of the spin-off for UUS by analyzing the solutionsthat can be offered. The results of the study indicate that it is necessary to review Law Number 21 of 2008concerning Islamic Banking by considering the financial condition of UUS. In addition, UUS which have carriedout a spin-off by becoming a new BUS can optimize the utilization of Third Party Funds in the form of financingand other services. In order to encourage the growth of BUS, support from the government is needed, such asproviding tax incentives and simplifying regulations on equity participation. In addition, the new BUS needs tocarry out various innovations by adding financing products and developing products that have beenimplemented. This study aims to provide an overview of the readiness of the Spin Off obligations for UUS tobecome BUS and issues related to readiness to fulfill UUS obligations to become BUS in July 2023.

Investasi Cryptocurrency Bitcoin Dalam Teknologi BlockchainMenurut Syariat Islam Wiwin Muchtar Wiyono
Wijayakusuma Law Review Vol. 4 No. 1 (2022): Wijayakusuma Law Review
Publisher : Faculty of Law, Universitas Wijayakusuma Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51921/wlr.31rnnc14

Often the rapid development of the world economy and also Islam is the majority of Indonesian people, asMuslims must understand technology Cryptocurrencies and activities related to these technologies, as well asunderstanding the law in Islamic Sharia are sourced from Hadith and verses of the Koran. Cryptocurrency isvirtual money, digital money, or electronic money that exists in cyberspace and does not have a concrete form ofobject. This cryptocurrency has many kinds, including Litecoin, Monero, Ether, Ripple, Ethereum, Qtum, Dash,Zcash, and Bitcoin. Bitcoin security is protected by Blockchain technology. However, Bitcoin does not have anunderlying asset (underlaying asset) and there is no responsible authority agency, its ownership is anonymous, itsvalue fluctuations are very extreme, and is dominated by the opinion publication factor of the marketing system.That is why the use of Bitcoin in investment and business transactions raises pros and cons among economists andscholars. This study aims to get an overview of Bitcoin technology, especially about Blockchain and the legitimacyof its use in investment and business transactions according to Islamic law. The applied theory used is thebusiness taxonomy of haram lidzatihi and haram lighairihi from the number of scholars reconstructed byAdiwarman Abdul Karim. This research is a literature study. The data sources for this research were taken fromthe Koran, the hadith of the Prophet, classical and contemporary books, as well as from online media sources.From this study, it was found that Bitcoin technology with Blockchain can indeed be recognized as an excellentrevolutionary technology, but its use as an investment instrument contains elements of maysir (betting) and as aninstrument of business transactions contains elements of gharar. Its legal position is haram lighairihi.

Perlindungan Hukum Terhadap Konsumen Rokok Elektrik Wiwin Muchtar Wiyono; Suryati; Nurlaeli Sukesti Ariani Nasution
Wijayakusuma Law Review Vol. 3 No. 2 (2021): Wijayakusuma Law Review
Publisher : Faculty of Law, Universitas Wijayakusuma Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51921/wlr.eh1vr042

The circulation of goods and/or services in society at this time also affects the development of cigarette products,both kretek cigarettes, white cigarettes, cigars and even the development of electric cigarettes. The governmenthas issued many regulations related to smoking. One of the most popular cigarettes in society is the electriccigarette which aims to protect consumers from harm. However, e-cigarettes also contain dangers that manyconsumers are not aware of. The form of protection for cigarette consumers has been issued PP No. 109 of 2012concerning the Safety of Materials Containing Addictive Substances in the Form of Tobacco Products for Health.The PP also applies to e-cigarettes. This study uses a normative juridical method, with secondary data as the maindata in the form of legislation, and related literature. The data were analyzed qualitatively. In general, inconsumer protection law there are several principles of responsibility, namely the principle of responsibility basedon the element of error/negligence, the principle of the presumption of being responsible (presumption ofliability), the principle of the presumption of not always being responsible (presumption of nonliability) and theprinciple of absolute responsibility (strict liability). The responsibility of business actors to consumers using ecigarettes is included in the principle of presumption of liability, known as a reverse proof system where businessactors as defendants are always considered responsible for all losses suffered by consumers until they can provethat the business actor not guilty

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