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All Journal JISIP: Jurnal Ilmu Sosial dan Pendidikan JIHAD : Jurnal Ilmu Hukum dan Administrasi Sriwijaya Journal of Private Law Indonesian Journal of Law and Islamic Law (IJLIL)
Diantara Purnama
Universitas Sriwijaya, Palembang, South Sumatera, Indonesia
Arts Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

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JAMINAN SOSIAL DI INDONESIA: TINJAUAN PRINSIP SYARIAH Purnama, Diantara; Fitriani, Ana Eka
JISIP: Jurnal Ilmu Sosial dan Pendidikan Vol 6, No 4 (2022): JISIP (Jurnal Ilmu Sosial dan Pendidikan)
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/jisip.v6i4.3612

Abstract

Salah satu tujuan Negara Kesatuan Republik Indonesia yang terdapat dalam UUD Tahun 1945 adalah untuk memajukan kesejahteraan umum bagi seluruh masyarakatnya. Salah satu sarana untuk mewujudkan tujuan tersebut adalah dengan adanya Program BPJS Kesehatan dan BPJS Ketenagakerjaan yang diselenggarakan oleh Badan Penyelenggara Jaminan Sosial. Di dalam Islam jaminan sosial negara terhadap masyarakat juga sudah diatur secara jelas. Yang menjadi perbedaan adalah pada mekanisme dan tata cara pelaksanaannya. Pada saat penerapannya pun MUI pernah mengeluarkan haramnya BPJS Kesejatan yang dikelola oleh BPJS tersebut, sehingga menimbulkan perdebatan di masyarakat.Untuk itu, penelitian ini bertujuan untuk menganalisa bagaimana jaminan sosial menurut hukum Islam. Selanjutnya, menganalisa bagaimana jaminan sosial ditinjau dari prinsip syariah.Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian hukum normatif dengan menggunakan pendekatan perundang-undangan (statue approach). Adapun teknik pengumpulan data dilakukan dengan studi kepustakaan (library research).Hasil penelitian menunjukkan bahwa jaminan di dalam Islam tidak hanya tanggung jawab Negara sebagai wakil Allah, namun setiap individu memiliki tanggung jawab terhadap masyarakat, karena di dalam Islam setiap individu adalah pemberi perlindungan dan diberi perlindungan. Pada jaminan kesehatan, yaitu program BPJS Kesehatan belum mencerminkan konsep ideal jaminan sosial dalam Islam. Terlebih lagi jika dilihat dari hubungan hukum atau akad antar para pihak. Hal itu dikarenakan dalam operasinya BPJS mengandung unsur gharar, maisir, dan riba.
The Principle of Freedom To Make An Aqad In Islamic Law and Its Implementation to Sharia Banking in Indonesia Purnama, Diantara
JIHAD : Jurnal Ilmu Hukum dan Administrasi Vol 7, No 4 (2025): JIHAD : Jurnal Ilmu Hukum dan Administrasi
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/jihad.v7i4.9724

Abstract

Aqad is a basic requirement in every transaction. In Islam, some principles must be fulfilled in each process of making ‘aqad, one of which is the principle of freedom to make ‘aqad. This principle guarantees the creation of a balance and equal bargaining between the parties conducting the transactions. Along with the development of ‘aqad in Sharia Banking, the principle of freedom to make ‘aqad is sometimes not fulfilled, which causes an imbalance between the parties involved in the transaction. This study aims to determine the regulation of the principle of freedom to make ‘aqad in Islamic law and how the principle is applied in Sharia Banking. The approach method used in this research is normative juridical, which relies on secondary data consisting of primary, secondary, and tertiary legal materials. The results of this research are that ‘ulama fiqh have different opinions about the limitations of the principle of freedom to make ‘aqad to be included in the terms of the ‘aqad, there are those who allow it and those who don't. The implementation of the freedom to make ‘aqad in terms of making a clause in the ‘aqad of Sharia Banking in Indonesia, the customer is not yet fully able to claim the right of freedom to make ‘aqad because Sharia bank offers standard contracts to its customers and the customer only has the option to take it or leave it.
The 2026 Muhammadiyah Fatwa and OJK Regulations on Crypto Assets: A Comparative Legal Analysis Diantara Purnama; Theta Murty; Fajar Nuril Ilmi
Indonesian Journal of Law and Islamic Law (IJLIL) Vol. 8 No. 1 (2026)
Publisher : Jember: Sharia Faculty State Islamic University of Kiai Haji Achmad Siddiq Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijlil.v8i1.482

Abstract

This study analyzes the legal convergence and harmonization potential between the Muhammadiyah Fatwa of 2026 on crypto assets and OJK Regulation Number 27 of 2024 (POJK 27/2024) within Indonesia's national legal framework. Employing a normative juridical method with statutory and comparative approaches, this study examines two primary legal instruments: the Muhammadiyah Fatwa of 2026 issued by the Tarjih and Tajdid Council of the Muhammadiyah Central Committee, which reconceptualizes crypto assets through the māl mutaqawwam framework, and POJK 27/2024, which reclassifies crypto assets from commodities under Bappebti to digital financial assets under OJK supervision. The study finds three principal results. First, the Muhammadiyah Fatwa of 2026 permits crypto assets as tradable property when they cumulatively fulfill utility, digital storability, and social recognition through 'urf, while prohibiting their use as a means of payment and banning specific transaction mechanisms including futures trading, margin trading, short selling, and pump-and-dump practices. Second, POJK 27/2024 establishes binding obligations in governance, market integrity, and consumer protection, yet contains critical regulatory gaps, including the absence of a Sharia-based transaction classification, the absence of staking and airdrop regulations, and unresolved categorization inconsistencies that generate legal uncertainty for Muslim consumers. Third, the comparative analysis identifies four substantive convergences between the two instruments and proposes a three-pillar operational harmonization model: formal establishment of a Sharia-compliant crypto transaction classification within POJK 27/2024, institutionalization of periodic OJK–DSN-MUI coordination mechanisms, and mandatory Sharia-compliance disclosure obligations for licensed crypto asset traders. This model offers a concrete institutional pathway for integrating Islamic normative standards into Indonesia's positive legal framework, while positioning Indonesia as a reference model for Sharia-compliant crypto governance globally.
PERLINDUNGAN HUKUM NASABAH BANK DIGITAL TERHADAP BUNGA YANG MELEBIHI TINGKAT PENJAMINAN LEMBAGA PENJAMIN SIMPANAN Yunita Yunita; Ika Dewi Sartika Saimima; Diantara Purnama; Annisa Tassia Hutagalung
Sriwijaya Journal of Private Law Volume 2, No.2 : Oktober 2025
Publisher : Fakultas Hukum Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28946/sjpl.v2i2.5118

Abstract

Latar belakang penelitian ini adalah fenomena kemunculan bank digital yang menawarkan bunga simpanan melebihi tingkat bunga penjaminan yang ditetapkan oleh Lembaga Penjamin Simpanan sehingga perlu dianalisis bagaimana perkembangan dan penyelenggaraan bank digital serta bagaimana perlindungan hukum atas simpanan nasabah tersebut apabila bank digital mengalami likuidasi. Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian normatif dengan pendekatan perundang-undangan dan pendekatan konseptual. Hasil penelitian menunjukkan bahwa penyelenggaraan bank digital di Indonesia diatur melalui Peraturan Otoritas Jasa Keuangan Nomor 12/POJK.03/2021 tentang Bank Umum. Perlindungan hukum terhadap nasabah dilakukan secara preventif, yakni melalui edukasi, keterbukaan, perlakuan adil, dan perlindungan terhadap privasi dan data konsumen, serta perlindungan secara represif dilakukan melalui penanganan atas pengaduan, penyelesaian sengketa, dan penegakan kepatuhan berbasis tanggung jawab. Berdasarkan Undang-Undang Nomor 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan, pendekatan ini dijadikan kerangka hukum untuk menjamin hak nasabah bank digital, sekaligus memperkuat stabilitas dan akuntabilitas sistem keuangan nasional.
Co-Authors Annisa Tassia Hutagalung Fajar Nuril Ilmi Fitriani, Ana Eka Ika Dewi Sartika Saimima Theta Murty Yunita Yunita