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PENERAPAN ASAS KEADILAN DALAM PELAKSANAAN PEMBERIAN PERIZINAN MINIMARKET PADA DINAS PENANAMAN MODAL DAN PELAYANAN TERPADU SATU PINTU (DPM-PTSP) KOTA PALEMBANG Seftiyani, Layla Tri; Fauziah, Fauziah; Mursid, Fadillah
Muamalah Vol 7 No 1 (2021): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

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ABSTRACT In general, a license requires a principle of justice in its application so that no onefeels burdened in its implementation. The problems in this study are 1) How is theimplementation of the establishment of a minimarket around which there are traditionalmarkets and stalls / shops by the Department of Investment and One Stop IntegratedService (DPM-PTSP) Palembang City? 2) How is the ef ect of the principle of justice onthe licensing of minimarkets around which there are traditional markets and stalls / shopsby the Palembang City Investment Service and One Stop Integrated Service (DPM-PTSP)? This type of research is field research (field research), meaning that the source ofthe data used as a reference in research related to the object of this thesis research, themethod used in this research is descriptive qualitative. The data source used consists ofthree data sources, the first is primary data sources by conducting interviews anddocumentation. Secondary data such as data obtained from books, scientific papers,literature studies. Tertiary data obtained from articles, internet, dictionaries. Based on the results of the research, it can be concluded that, first, in granting aminimarket licensing at the Palembang City Investment and One Stop Services Service(DPM-PTSP) based on the Mayor of Palembang Regulation No. 25 of 2011 concerningGuidelines for the Arrangement and Development of Shopping Centers and ModernStores. Article 12 paragraph (2). In the Regulation of the Mayor of Palembang No. 25 of2011 Article 3 paragraph (9) letter e explains that the establishment of a mini-market thatis either independent or integrated with shopping centers or other buildings must payattention to the existence of traditional markets and stalls / shops in the surrounding areathat are smaller than the minimarket.Second, in the implementation of licensing for minimarkets, they still do not apply the principle of justice because there are still many minimarkets that are close to traditional markets and stalls / shops so that there iscompetition and can cause reduced income for small business owners who are near theminimarket.Key words: Principles of Justice, Minimarket Licen

Konsekuensi Hukum Atas Konsep Jaminan Dalam Fatwa DSN Terhadap Pembiayaan Mudharabah fadillah mursid
Repertorium: Jurnal Ilmiah Hukum Kenotariatan Volume 8 Nomor 2 November 2019
Publisher : Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28946/rpt.v8i2.420

Abstrak: Dalam setiap pembiayaan atau kredit, jaminan adalah salah satu aspek yang menjadi pertimbangan terhadap dikabulkan atau tidaknya suatu pembiayaan/kredit. Dalam sistem perbankan (konvensional) jika nasabah dalam perjalanan waktu perjanjian ternyata tidak mampu membayar maka bank dapat menggunakan jaminan tersebut melalui mekanisme eksekusi untuk menutup utang dari debitur berdasarkan peraturan yang berlaku. Hal ini berbeda dengan jaminan dalam mudharabah. Jaminan dalam mudharabah bukan sebagai penjamin atas utang piutang sebagaimana dalam bank konvensioanal tetapi berkedudukan sebagai penjamin agar pelaku usaha usaha tidak melanggar akad yang telah disepakati.Berdasarkan latar belakang tersebut, fokus kajian dalam tulisan ini adalah bagaimana konsekuensi hukum atas konsep jaminan dalam fatwa DSN nomor 07/DSN-MUI/IV/2000 terhadap pembiayaan mudharabah pada lembaga keuangan syariah? Penelitian ini termasuk penelitian hukum normatif, sedangkan spesifikasi penelitian ini adalah deskriptif analitis. Pendekatan utama yang ditempuh adalah doktrinal.Jaminan dalam sistem hukum perbankan pada umumnya merupakan sarana pembayaran substitusi jika debitur melakukan gagal bayar (wanprestasi) terhadap utang atas kreditur. Hal ini berbeda dengan akad pembiayaan mudharabah. Perjanjian mudharabah tidak lahir atas dasar utang-piutang antara kreditur dan debitur, melainkan sebagai mitra antara bank syariah sebagai shohibul maal, dan nasabah penerima fasilitas (nasabah debitur) sebagai mudharib, sehingga jaminan dalam mudharabah adalah bukan sebagai penjamin atas utang piutang tetapi berkedudukan sebagai penjamin agar pelaku usaha usaha tidak melanggar akad yang telah disepakati. Meskipun dalam realitasnya praktek jaminan dan agunan bank syariah masih juga menggunakan norma hukum jaminan yang digunakan dalam sistem hukum positif. Kata Kunci: Hukum, Jaminan, Mudharabah Abstract: In any financing or credit, collateral is one aspect that is considered whether or not a credit is granted. In the banking system (conventional) if the customer in the course of the agreement turns out to be unable to pay, the bank can use the guarantee through an execution mechanism to cover debts from debtors based on applicable regulations. This is different from collateral in mudharabah. The collateral in mudharabah is not a guarantor for debts as in conventional banks but is a guarantor so that business operators do not violate the agreed contract.Based on this background, the focus of the study in this paper is how the legal consequences of the concept of collateral in the DSN fatwa number 07 / DSN-MUI / IV / 2000 on mudharabah financing in Islamic financial institutions. This research is normative legal research, while the specification of this research is analytical descriptive. The main approach taken is doctrinal.Collateral in the banking legal system is generally a means of substitution payment if the debtor defaults on debts against the creditor. This is different from the mudharabah. Mudharabah agreements are not born on the basis of debts between creditors and debtors, but rather as partners between Islamic banks as shohibul maal, and facility recipient customers (debtor customers) as mudarib. So that collateral in mudharabah is not as collateral the guarantor for the debts but is domiciled as a guarantor so that the business actor does not violate the agreed contract. Although in reality the practice of collateral and collateral of Islamic banks still uses guarantee legal norms that are used in the positive legal system. Keywords: Law; Collateral; Mudharabah

ACTUALIZATION OF DERADICALIZATION AND DISENGAGEMENT IN THE DEVELOPMENT OF TERRORIST NAPI IN INDONESIA Fadillah Mursid
卷 1 编号 1 (2018): Journal of Correctional Issues (JCI)
Publisher : Polteknik Ilmu Pemasyarakatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52472/jci.v1i2.6

The issue of terrorism in Indonesia is one of the main problems of this nation that needs to get serious attention from the government. A series of incidents of terror during this time indicates an unresolved problem in countering terrorism. Based on the problem, the focus of this research study is how the guidance of terrorist prisoners in LP, then how the concept of deradicalization and disengament as an effort penagebulnyanya, and how to actualize the two concepts? This research including the kind of research normative law, while specification this research is descriptive analytical Legal material used in covering primary, secondary, and tertiary legal materials. The collection of legal materials in this paper is done by doing literature research and document studies. The main approach is doctrinal. Based on the results of research can be concluded that First, the concept of terrorism punishment aims to realize the ultimate goal of coaching, namely rehabilitation and resosialisasi offenders, even to the suppression of crime (suppression of Crime). Second, Deraikalisasi sebgai efforts to eliminate radical understanding can be done in several ways namely, Rehabilitation, reedukasi, resosialisasi, and reintegration. Disengagement aims to break the relationship of former terrorist prisoners not to join their former group. Third, the approach used in actualizing both programs is First Strategy, refining the strategy focused on law enforcement and balanced with prevention and protection efforts to obtain comprehensive results. The second strategy is to utilize the full potential of the state's resources through the involvement of related elements in the superstructure, infrastructure and substructure. The third strategy is to synergize all the sectoral lines in counterterrorism that have been done by various components and not fragmented. For concrete steps in actualizing it there are two things that must be done, namely improving the quality of human resources that have a good understanding of the Prisoner, and classification of inmates as an effort to facilitate in coaching.

Kajian Hukum Islam tentang Rekening Bersama (RekBer) pada E-Commerce Fadillah Mursid; Luqman Nurhisam
TAWAZUN : Journal of Sharia Economic Law Vol 5, No 1 (2022): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v5i1.13997

In trading conducted online or better known as E-Commerce, there are many cases of fraud that occur. Until finally, a Joint account emerged as an alternative for safe online transactions. Based on the above background, this study aims to discuss the legal status of the use of joint account services and any contracts that can be used in Joint Account transactions (RekBer) in E-Commerce. This research is a normative legal research, while the specification of this research is analytical descriptive. The main approach taken is doctrinal. The results of this study are that in Islamic law the use of third party services in a legal transaction is permissible (permissible), while contracts in account transactions in E-Commerce can use a combination of salam contracts and wakalah bil ujrah or ijaroh a'mal contracts.

Urf as the Legitimacy of Contemporary Sharia Economic Transactions Mursid, Fadillah; Tarantang, Jefry; Aen, I. Nurol; Mustofa, Mustofa
AL-QARDH Vol 8 No 1 (2023): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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This study aims to explore the role of

Sharia Banking Syndicated Financing in The Context of Funding Strategic Projects after Islamic Financial Qanun Institution in Aceh Nurhisam, Luqman; Eriyanti, Nahara; Mundakir, Mundakir; Mursid, Fadillah; Khulwah, Juhrotul
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 8, No 3 (2024): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v8i3.15891

This article focus on Islamic banking syndicated financing in the context of funding strategic projects in Aceh Province after the enactment of Qanun Number 11 of 2018. The research methodology used is normative legal study, which includes analysis of norms, principles of Islamic banking, and opinions of Islamic economic law experts. The approaches employed are the legislative approach. The object of this research is focused on the role of Islamic banks and the mechanisms carried out by Islamic banking in syndicated financing after the establishment of Qanun Number 11 of 2018 concerning Islamic Financial Institutions. The results of this study indicate that in the context of funding strategic projects, the infrastructure development of Aceh Province. That Islamic banking syndicated financing has an important role on the basis of financing needs on a large scale. It is hoped that the syndicated financing will be the right solution by referring to several provisions that contain sharia principles in the sharia banking syndicated financing process. The enactment of Qanun Number 11 of 2018 concerning Islamic Financial Institutions, became the legal basis for the implementation of syndicated financing. In addition, it also refers to the fatwa issued by DSN-MUI Number 91/DSN-MUI/IV/2014 concerning Syndicated Financing (Al-Tamwil Al-Mashrifi Al-Mujamma'), and based on OJK Circular Letter No. 36/SEOJK.03/ 2015 concerning Products and Activities of Islamic Commercial Banks and Sharia Business Units. So the implementation of syndicated financing at Islamic banks in Indonesia is in principle in line with the existing provisions in Sharia, but still must continue to be supervised by the Sharia Supervisory Board/DPS in this case the context is the Aceh Sharia Council/DSA so that there are no violations in its implementation.

COOPERATIVE MEMBER SAVINGS GUARANTEE AS A FORM OF LEGAL PROTECTION IN THE MAṢLAḤAH PERSPECTIVE Mursid, Fadillah; Atoillah, Mohamad Anton; Nurhisam, Luqman
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 8, No 2 (2023)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v8i2.14193

AbstractThis research discusses the guarantee of cooperative member deposits. This research has a background that in recent times, there have been many cases of problematic cooperatives in Indonesia, with material losses of members reaching trillions. This research study examines how the guarantee of cooperative members' deposits is a form of legal protection from Maṣlaḥah 's perspective. The research method used is qualitative, normative research with analytical descriptive specifications; the legal materials used are primary legal materials (related legal rules) and secondary (various literature and research results. The results of this study indicate that currently, in Indonesia, no regulation provides explicitly a legal basis for the certainty of guaranteeing deposits of cooperative members. So, for the benefit of the government, laws related to deposit guarantees for cooperatives must be issued as a form of legal protection through the fulfilment of citizens' rights. One of the guarantee models that can be used is an explicit guarantee model with restrictions on the guarantee amount. Keywords: Savings Guarantee; Cooperative; Maṣlaḥah.

KEBIJAKAN REGULASI BAITUL MAAL WAT TAMWIL (BMT) DI INDONESIA Mursid, Fadillah
Nurani Vol 18 No 2 (2018): Nurani: jurnal kajian syari'ah dan masyarakat
Publisher : Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/nurani.v18i2.2486

KEBIJAKAN REGULASI BAITUL MAAL WAT TAMWIL (BMT) DI INDONESIA Fadillah Mursid Abstract The financial sector in Indonesia is one of the sectors that has an important role in encouraging the improvement of the national economy and the economy of society. then, of course, institutions or agencies involved in the financial sector require clear regulation as the rules of the game. Ironically BMT as one of the micro-finance institutions actually tend to receive less attention from the government, especially regarding the regulation. Whereas regulation is one of the most important factors that affect sustainability BMT. Departing from the background, this study aims to know, examine and explain how the regulation of Baitul Maal Wat Tamwil (BMT) in the Regulations of Cooperatives Cooperatives, the Foundation Act, and the Law of Microfinance Institutions as well as why the existing BMT regulatory policy like today? This research including the kind of research normative law, while specification this research is descriptive analytical Legal material used in covering primary, secondary, and tertiary legal materials. The collection of legal materials in this paper is done by doing literature research and document studies. The main approach is doctrinal. Based on the results of research that the authors do can be summarized as follows: 1. The arrangement of BMT with the Law of Cooperatives is only temporary until the issuance of the Act specifically regulate the issue of BMT. 2. The foundation law can not be used as the basis of BMT regulation, because the foundation is an institution that is only oriented to social interests, while BMT has a social function as well as profit oriented. 3. The regulation of BMT in Act No. 1 of 2013 on Microfinance Institutions has provided clarity on what and how should BMT institutional, sharia aspect guidance, supervision and guarantee of customer's savings, although until now there is a Government Regulation which regulates further how to guarantee mechanism of deposit in micro financial institution especially BMT. 4. Current BMT regulatory policies tend to encourage the development of BMTs towards financial institutions such as banks. Keywords: Policy, Regulation, BMT, Indonesia Abstrak Sektor keuangan di Indonesia merupakan salah satu sektor yang memiliki peranan penting dalam mendorong peningkatan perekonomian nasional dan ekonomi masyarakat. maka, sudah barang tentu lembaga atau instansi yang berkecimpung di sektor keuangan memerlukan regulasi yang jelas sebagai aturan mainnya. Ironisnya BMT selaku salah satu lembaga keuangan mikro justru cenderung kurang mendapat perhatian dari pemerintah khususnya mengenai regulasinya. Padahal regulasi merupakan salah satu faktor paling penting yang mempengaruhi sustainabilitas BMT. Berangkat dari latar belakang tersebut, penelitian ini bertujuan untuk mengetahui, mengkaji dan menjelaskan bagaimana regulasi Baitul Maal Wat Tamwil (BMT) dalam Peraturan Perundang-Undangan Perkoperasian, Undang-Undang Yayasan, dan Undang-Undang Lembaga Keuangan Mikro serta mengapa kebijakan regulasi BMT yang ada seperti saat ini? Penelitian ini termasuk jenis penelitian hukum normatif, sedangkan spesifikasi penelitian ini adalah deskriptif analitis. Bahan hukum yang digunakan dalam meliputi bahan hukum primer, sekunder, dan tersier. Pengumpulan bahan hukum dalam penulisan ini ditempuh dengan melakukan penelitian kepustakaan dan studi dokumen. Pendekatan utama yang ditempuh adalah doktrinal. Berdasarkan dari hasil penelitian yang penulis lakukan dapat disimpulkan sebagai berikut: 1. Pengaturan BMT dengan Undang-Undang Perkoperasian hanya bersifat sementara sampai dikeluarkannya Undang-Undang yang secara spesifik mengatur persoalan BMT. 2. Undang-Undang yayasan tidak bisa dijadikan dasar pengaturan BMT, dikarenakan yayasan merupakan lembaga yang hanya berorientasi pada kepentingan sosial, sedangkan BMT memiliki fungsi sosial sekaligus profit oriented. 3. Pengaturan BMT dalam Undang-Undang nomor 1 tahun 2013 tentang Lembaga Keuangan Mikro telah memberikan kejelasan tentangi apa dan bagaimana seharusnya kelembagaan BMT, pedoman aspek syariah, pengawasan, dan penjaminan simpanan nasabah, meskipun sampai saat ini belam ada Peraturan Pemerintah yang mengatur lebih lanjut bagaimana mekanisme penjaminan simpanan dalam lembaga keuangan mikro khususnya BMT. 4. Kebijakan regulasi BMT saat ini cenderung mendorong perkembangan BMT ke arah lembaga keuangan seperti halnya perbankan. Kata Kunci: Kebijakan, Regulasi, BMT, Indonesia

Studi Historis Kebijakan Fiskal Dalam Islam Pada Era Turki Utsmani (Dinamika Kebijakan Fiskal Kekaisaran Ottoman: Era Kejayaan dan Kemunduran) Mursid, Fadillah; Janwari, Yadi; Al-Hakim, Sofian
el-Jizya : Jurnal Ekonomi Islam Vol. 13 No. 2 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i2.12338

ABSTRACT Ottoman Empire, as an Islamic state that reigned for almost 7 centuries, certainly has a long history of managing state revenues and expenditures to maintain economic stability or what is called fiscal policy. This research discusses the history of fiscal policy in Islam during the Ottoman era. This type of research is library research with a historical approach; research material processing techniques are carried out through heuristic, verification, interpretation, and historiography stages. This research shows that the history of Islamic fiscal policy during the Ottoman era can be seen in the glory and decline phases. The phase of progress where fiscally, Ottoman Turkey's income experienced a surplus originating from ghanimah, taxes, tīmār, muḳāṭa'a, and endowments. This income was used to finance war logistics during the period of expansion and development of infrastructure, economy, education, and health. After this glorious phase, Ottoman Turkey began to experience a phase of decline due to many factors, one of which was fiscal policy, which experienced a deficit. This was due to fiscal mismanagement in state financing during the war, the westernization of the Ottoman Turkish economy, and foreign debt. Keywords: History, Policy, Fiscal, Turki Utsmani ABSTRAK Turki Utsmani sebagai salah satu daulah Islamiyah yang bertahta hampir 7 abad lamanya tentu memiliki sejarah panjang dalam pengelolaan pendapatan dan pengeluaran negara guna menjaga stabilitas ekonomi atau disebut kebijakan fiskal. Penelitian ini membahas bagaimana sejarah kebijakan fiskal dalam Islam pada masa Turki Utsmani. Penelitian ini adalah penelitian pustaka dengan pendekatan sejarah, teknik pengolahan bahan penelitian dilakukan melalui tahapan heuristik, verifikasi, interpretasi, dan historiografi. Hasil penelitian ini adalah bahwa sejarah kebijakan fiskal Islam pada masa Turki Utsmani dapat dilihat dalam dua fase, yaitu fase kejayaan dan fase kemunduran. Fase kemajuan dimana secara fiskal pendapatan Turki Utsmani mengalami surplus yang berasal dari ghanimah, pajak, tīmār, muḳāṭa’a dan perwakafan dan pendapatan itu dipergunakan untuk pembiayaan logistik perang selama masa perluasan dan pembangunan infrastruktur, perekonomian, pendidikan dan kesehatan. Setelah fase kejayaan tersebut, Turki Utsmani mulai mengalami fase kemunduran karena banyak faktor, salah satunya adalah karena kebijakan fiskal yang mengalami defisit. Hal ini disebabkan kesalahan pengelolaan fiskal dalam pembiayaan negara selama perang, westernisasi ekonomi Turki Utsmani, dan hutang luar negeri. Kata Kunci: Sejarah, Kebijaka, Fiskal, Turki Utsmani

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