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All Journal JISIP: Jurnal Ilmu Sosial dan Pendidikan Jurnal Ilmiah Publika IBLAM Law Review Journal Evidence Of Law Jurnal Penyuuhan dan Pemberdayaan Masyarakat (JPPM) Decisio: Law Journal Humaniorum Journal Journal of Law
Jadidah, Fikrotul
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Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Journal : Humaniorum Journal

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Good Faith sebagai Penentu dalam Pemenuhan Unsur Tindak Pidana Penipuan dan Wanprestasi dalam Putusan Perkara Nomor 38/Pdt.G/2024/PN Slw Perdana, Mohammad Ardhi; Jadidah, Fikrotul
HUMANIORUM Vol 3 No 2 (2025): Jurnal Humaniorum
Publisher : PT Elaborium Elevasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37010/hmr.v3i2.96

Abstract

This study aims to review and analyze the normative legal aspects within the perspective of civil law in Indonesia, including legal considerations and the application of default (wanprestasi) in debt settlement agreements in the decision of the Slawi District Court Number 38/Pdt.G/2024/PN Slw. This is a normative legal research with data collection techniques using secondary data sources. The data collection method is through literature study, and the analysis is conducted using qualitative analysis. The results of this research include references to the Indonesian Criminal Procedure Code (KUHAP), the Indonesian Penal Code (KUHP), and the Indonesian Civil Code. The focus of this research is on the application of good faith in determining the decision between fraud and default. The findings indicate that in the decision Number 38/Pdt.G/2024/PN Slw, it was categorized as default (wanprestasi) because there was no bad faith in its resolution
Tinjauan Hukum Positif dan Hukum Islam terhadap Praktik Pinjaman Keuangan Informal (Bank Keliling) Ul Haaq, Muhammad Zia; Jadidah, Fikrotul
HUMANIORUM Vol 4 No 2 (2026): Jurnal Humaniorum
Publisher : PT Elaborium Elevasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37010/hmr.v4i2.165

Abstract

This study analyzes the practice of mobile bank lending through the lens of positive law and Islamic law while examining its socio-economic implications for local communities. This study aims to educate the public about informal financial lending practices, and to analyze the factors contributing to their emergence and impacts (socio-economics), in order to promote more equitable to economic practices that are consistent with the principles of Islamic jurisprudence (fiqh). The research methodology combines a normative–empirical approach with juridical analysis, complemented by a literature review approach. This informal financing mechanism has expanded due to the demand for rapid access to funds without complex administrative requirements. However, it raises substantial legal concerns, as such activities typically operate without authorization or oversight from the Financial Services Authority or Bank Indonesia, thereby violating the provisions of Law No. 10 of 1998 on Banking and potentially giving rise to civil and criminal liabilities. From the perspective of Islamic law, this practice is deemed invalid due to the presence of riba, gharar, and elements of injustice that contradict the principles of maqāṣid al-sharī‘ah. Socio-economically, mobile bank lending generates adverse impacts on community welfare, including excessive interest burdens, debt dependency, and declining productivity caused by financial and psychological pressures. The study concludes that enhanced regulatory enforcement, improved financial literacy, and the strengthening of formal microfinance institutions—including Sharia-based financing—are essential to mitigating negative outcomes and providing safer and more equitable financing alternatives.
Co-Authors Aditriansyah, Muhammad Yoga Affani Sidqi, Mochamad Akbar, Rizky Alaydrus, Zein Anjani, Siti Ardianto, Dery Arum, Siti Khumairoh Kusuma Aslam, Ananda Asmarani, Pista Suci Djatmiko, Sulis Elthaufani, Lucky Galenso, Vidi Hanafiah, Yuliana Hidayat, Nashiffa Thuraya Hilmy, Ahmad Syaikhan Khozin, Muhammad Noor Kurnia Hadi, Adi Moh. Lianningsih, Winda Dwi Mukti, Idul Mukti, Robby Teja Naibaho, Delman Albert Nurdiansyah Nurdiansyah Perdana, Mohammad Ardhi Priyambodo, Mas Agus Priyanti, Anita Rahayu Astuti Ramadhan, Yogha Adhitya Salsabila, Annisa Shafa Saputra, Elton Krisna Saputro, Danang Tri Shinta, Shinta Novia Puspita Sudianto Daeli, Pinter Putra Telaumbanua, Erwin Damai Ul Haaq, Muhammad Zia Widya Pradana, Dimas Winanto, Wahyu Andika