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All Journal SALAM: Jurnal Sosial dan Budaya Syar-i Jurnal Yuridis Al Ahkam As-Sidanah : Jurnal Pengabdian Masyarakat Mazahib: Jurnal Pemikiran Hukum Islam Jurnal Hukum dan Peradilan IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah
Atikah, Ika
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Religion Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Ekonomi Syariah dan Ekonomi Pancasila Dalam Bingkai Peraturan Hukum Indonesia Atikah, Ika; Nurrohman, Nurrohman; Mustofa, Mustofa
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 10, No 6 (2023)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v10i6.36792

Abstract

This research aims to explain the presence of law, Sharia economics and Pancasila economics based on cooperation by prioritizing humanitarian principles. This research method uses a doctrinal approach with statutory and conceptual approaches. The results of this research are that the presence of law provides a binding and coercive nature for everyone who carries out transactions in Sharia economic activities and the Pancasila economy, so the role of the state as a policymaker is to issue regulations in the form of specific laws with the birth of the Sharia Banking Law, part of sharia economics, and the Cooperative Law, part of the Pancasila economy, as a form of national protection for all Indonesian people.Keywords : Sharia Economic, Pancasila Economic, Regulation
KONTRIBUSI PEREMPUAN TERHADAP PERTUMBUHAN EKONOMI MELALUI KELOMPOK WANITA TANI: Studi Kasus di Desa Mekarwangi Kecamatan Saketi Kabupaten Pandeglang Andaluzi, Fahmi; Atikah, Ika; Syifa, Dhea Salsabila; Sa'dataen, Yunita; Al Kalam, Safiq
As-Sidanah Vol 6 No 2 (2024): OKTOBER
Publisher : LP2M Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/assidanah.v6i2.438-452

Abstract

This research aims to explore the role of women towards economic empowerment through Women Farmers Group (KWT). This research uses a qualitative approach with PAR (Participatory Action Research) analysis, the research was conducted in Mekarwangi village, Saketi District, Pandeglang Regency. Data was collected through interviews and participatory observation. The results showed that KWT is not only a forum for women in empowering and increasing family income, but also provides space for them to develop skills, build social networks, and increase roles in the public sector, especially agriculture. Through KWT, women in Mekarwangi Village have managed to develop their individual and cooperative skills in managing businesses, such as managing agricultural fields, farming to marketing and managing the money from sales. So that they can increase their role from just being a housewife to an active economic actor in a more complex sector. This research concludes that Women Farmers Groups have great potential in empowering women and promoting gender equality, especially at the village level.
The Concepts of Wa’ad and Aqad in Islamic Economic Policy and Their Implications for Sharia Compliance in The Modern Banking System Atikah, Ika; Janwari , Yadi; Hasanuddin, M.
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 4 No. 1 (2025): Volume 4 Nomor 1 Tahun 2025
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v4i1.72

Abstract

Penelitian ini mengeksplorasi fungsi wa’ad dan aqad dalam konteks kebijakan ekonomi Islam, khususnya dalam operasional perbankan modern, serta dampaknya terhadap kepatuhan terhadap prinsip-prinsip syariah. Wa’ad diposisikan sebagai alat awal yang menjamin kepastian dan komitmen dalam transaksi, sedangkan aqad merupakan landasan hukum yang mengikat berdasarkan nilai-nilai syariah. Kedua konsep ini berperan penting dalam menciptakan transparansi, keadilan, serta pemenuhan aturan hukum Islam dalam praktik moneter dan fiskal di perbankan syariah. Temuan studi ini mengindikasikan bahwa sinergi antara wa’ad dan aqad tidak hanya memperkokoh kepatuhan terhadap syariah, tetapi juga memberikan kontribusi terhadap: Minimnya risiko spekulatif akibat adanya kejelasan dalam perjanjian kontrak; Tumbuhnya kepercayaan nasabah melalui praktik transaksi yang transparan dan etis; Terjaganya stabilitas sistem perbankan syariah karena keselarasan dengan kebijakan ekonomi Islam. Oleh karena itu, kajian ini menegaskan bahwa wa’ad dan aqad tidak hanya penting dalam skala transaksi individu, namun juga berperan strategis dalam memperkuat kebijakan moneter dan fiskal Islam yang berkelanjutan.
Hak Cipta Sebagai Collateral Dalam Jaminan Fidusia Atikah, Ika
Al Ahkam Vol. 15 No. 1 (2019): Januari-Juni 2019
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/ajh.v15i1.1894

Abstract

This article is focusing for copyright objects that can be made collateral for loans that have economic values ​​according to get in fiduciary collateral. After Amendment Act No. 24/2002 became Act No. 28 / 2014 concerning copyright, it provided convenience for creators to be able to request credit collateral (collateral) and object of fiduciary collateral. The rules for copyright as collateral for credit are in accordance with the provisions in the contract, in accordance with the provisions in the imposition, registration and transfer of related Fiduciaries in Act No. 42/1999 concerning Fiduciary Guarantees. The Copyright Law also approves article 16 paragraph 3 of the creator to guarantee his work through fiduciary guarantees. It is possible to be able to politicize the results of his creation, it is the creator of copyrighted work that can improve the quality of creation. Key word : copyright, collateral, fiduciary
Cash Waqf in the Halal Blue Economy Sector: A Comparative Study of Indonesia and Malaysia Ishom, Muhammad; Muttaqin, Entol Zainal; Atikah, Ika; Ghazali, Nasrun Mohamad; Rohmawati, Cucum
Mazahib Vol 24 No 1 (2025): VOLUME 24, ISSUE 1, 2025
Publisher : Fakultas Syariah UINSI Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/mj.v24i1.10035

Abstract

This study aims to investigate the potential and difficulties of using cash waqf-based sukuk in the growth of the halal industry in the maritime sectors of two nearby nations, Malaysia and Indonesia. Green and blue sukuk have been combined in both nations to aid in the government's endeavors to accomplish the Sustainable Development Goals (SDGs). The main topics of this study's comparative analysis of the policies and strategies in both nations are the implementation mechanisms of cash waqf in supporting blue economy projects and the opportunities and problems encountered. Direct stakeholder observations, interviews, and focus groups in Malaysia and Indonesia provided the research data. Although each nation has a unique method of implementation and regulation, the research findings demonstrate parallels in using cash waqf for sustainable economic growth. Although the integration of green sukuk into blue sukuk has not yet been optimally implemented due to political and theological factors, two Muslim nations with the largest populations and the largest maritime territories have also become pioneers in using cash waqf among Muslim nations worldwide.
CONSUMER PROTECTION AND FINTECH COMPANIES IN INDONESIA: INNOVATIONS AND CHALLENGES OF THE FINANCIAL SERVICES AUTHORITY Atikah, Ika
Jurnal Hukum dan Peradilan Vol 9 No 1 (2020)
Publisher : Pusat Strategi Kebijakan Hukum dan Peradilan Mahkamah Agung RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25216/jhp.9.1.2020.132-153

Abstract

The article has questions from the background of the research as follows: how to protect consumers fintech transactions from financial technology companies? What are the innovations and challenges of the financial services authority in overseeing and issuing regulations related to fintech? The research method used is normative with the statute approach and conceptual approach. The technique of collection primary legal is carried out by collecting OJK regulations regarding fintech companies, and consumer protection. Meanwhile, the technique of collection secondary legal is the concept or theories related to the main issue complete with bibliography. The Results that found are the fintech companies must be registered in the financial services authority by obeying and implementing OJK regulations. Innovation that OJK did enact Supervisory Technology (Suptech) to develop the financial technology (fintech) corporate ecosystem that is included in the realm of Digital Financial Innovation (IKD) on the OJK portal with the name Gerbang Elektronik Sistem Informasi Keuangan Digital. OJK also established the Innovation Center or Fintech Center in 2018. Challenges OJK must face: fintech lending is to create a balance between increasing financial inclusion and risk management, improving people’s understanding of fintech services, infrastructure, cybersecurity and data protection for consumers and fintech must collect more consumer data so that the lending and borrowing process becomes more efficient and effective.
THE URGENCY OF MORTGAGE AGREEMENT AS AN EFFORT TO REALIZE THE TRUST BY BANK AS CREDITOR Atikah, Ika
Jurnal Hukum dan Peradilan Vol 10 No 1 (2021)
Publisher : Pusat Strategi Kebijakan Hukum dan Peradilan Mahkamah Agung RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25216/jhp.10.1.2021.31-63

Abstract

This study focuses on the legal certainty of the implementation of loans for mortgage rights which are the object of collateral in the form of money-valued objects when bad loan occurs, which are regulated in the main agreement as an effort to manifest the trust of creditors of banking institutions whose existence is highly sought after by the Indonesian people. The method used in this study focuses on the normative with the conceptual approach and statute approach. The results of this study indicate that Credit agreements must be considered by the bank as creditor and by the customer as the debtor, considering that credit agreements have a vital function in granting, managing, and managing the credit itself. The existence of a guarantee in a bank credit agreement is significant, namely as a means of legal protection for bank security in overcoming risks. There is a certainty that the debtor customer will pay off his loan. This is based on the explanation of Banking Laws, PBI, and POJK, which requires banks' caution as creditors for loans to debtors based on the belief in the debtor's ability to pay off his obligations as agreed in the agreement. The land is material security which is most in demand by banking institutions as security of mortgage rights. The use of land as a trusted and consumptive credit is based on the consideration of the safest land and has a relatively high sale value. The urgency of objects Securing mortgage rights as stipulated in the credit agreement cannot be separated from the guarantee itself. Credit guarantees are always stated in an additional agreement, namely the Collateral agreement. The need for funds by people or institutions provides credit by providing excellent services and providing legal protection for the parties in the transaction so that no one is harmed in the transaction. The state provides legal protection by stipulating legal regulation relating to credit so that banks as creditors have legal certainty in the process of executing credit collateral objects for optimal repayment. Mortgage Law states that creditors have full rights in executing debtor's collateral goods when bad loans do not have to go through litigation.
Ekonomi Syariah dan Ekonomi Pancasila Dalam Bingkai Peraturan Hukum Indonesia Atikah, Ika; Nurrohman, Nurrohman; Mustofa, Mustofa
SALAM: Jurnal Sosial dan Budaya Syar-i Vol. 10 No. 6 (2023)
Publisher : SALAM: Jurnal Sosial dan Budaya Syar-i

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v10i6.36792

Abstract

This research aims to explain the presence of law, Sharia economics and Pancasila economics based on cooperation by prioritizing humanitarian principles. This research method uses a doctrinal approach with statutory and conceptual approaches. The results of this research are that the presence of law provides a binding and coercive nature for everyone who carries out transactions in Sharia economic activities and the Pancasila economy, so the role of the state as a policymaker is to issue regulations in the form of specific laws with the birth of the Sharia Banking Law, part of sharia economics, and the Cooperative Law, part of the Pancasila economy, as a form of national protection for all Indonesian people.Keywords : Sharia Economic, Pancasila Economic, Regulation
ENHANCING THE CREATIVE ECONOMY: LEVERAGING INTELLECTUAL PROPERTY RIGHTS AS LEGAL COLLATERAL IN CREDIT FINANCING IN INDONESIA Atikah, Ika; Sari, Rofa Agnia
Jurnal Yuridis Vol 11 No 1 (2024): Jurnal Yuridis
Publisher : Fakultas Hukum Universitas Pembangunan Nasional "Veteran" Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35586/jyur.v11i1.7617

Abstract

This research explores the newfound avenues for capital acquisition among creative economy stakeholders through banking institutions, leveraging intellectual property rights (IPR) as valuable collateral following the enactment of PP No.24/2022 in tandem with Law No.24/2019. Employing normative-empirical methodologies encompassing regulatory analysis, conceptual frameworks, and case studies, the study underscores the imperative for banking institutions to minimize risk exposure while extending credit facilities. PP No.24/2022 elucidates provisions within Law No.24/2019, offering creative economy actors opportunities to access credit capital by leveraging registered intellectual property assets. Notably, registration with the Director General of Intellectual Property Rights Center of the Ministry of Law and Human Rights confers state legitimacy on IP ownership. The intrinsic economic potential of intellectual property assets underscores their viability as collateral, prompting banking institutions to facilitate business capital loans, contingent upon adherence to legal protocols and due diligence. Integral to this process are adherence to regulatory standards, prudent risk management, and consideration of prospective debtors' credibility and economic viability. While collateralization remains pivotal, each bank exercises discretion in evaluating collateral based on individual assessments of prospective debtors. Furthermore, ongoing reviews within the banking and non-banking sectors aim to standardize policies concerning credit provision for creative economy actors. Key considerations include methodologies for valuing intellectual property, ranging from conventional cost, income, and market approaches to contemporary methods encompassing cost-benefit analyses, expert evaluations, and innovation surveys.
Co-Authors Al Kalam, Safiq Fahmi Andaluzi Ghazali, Nasrun Mohamad Hasanuddin, M. Ishom, Muhammad Janwari , Yadi Mustofa Mustofa Muttaqin, Entol Zainal Nurrohman Nurrohman ROHMAWATI, CUCUM Sa'dataen, Yunita Sari, Rofa Agnia Syifa, Dhea Salsabila