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All Journal EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Syntax Idea JURNAL HUKUM MEDIA JUSTITIA NUSANTARA Jurnal Syntax Imperatif : Jurnal Ilmu Sosial dan Pendidikan Komitmen : Jurnal Ilmiah Manajemen ETNIK : Jurnal Ekonomi dan Teknik Mauriduna : Journal of Islamic studies Jurnal Riset Ekonomi Syariah Akademika : Jurnal Pemikiran Islam Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Juni-Jurnal Pelita Nusa West Science Social and Humanities Studies El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam West Science Islamic Studies Journal of International Multidisciplinary Research Journal of Ekonomics, Finance, and Management Studies Ecobankers : Journal of Economy and Banking Jurnal Istimā, Jurnal Pengabdian kepada Masyarakat: Inklusi Sosial dan Pemberdayaan Masyarakat
Solihin, Dadin
Sekolah Tinggi Agama Islam Pelita Nusa Bandung Barat, Indonesia
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Public Health Social Sciences Other

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Innovation And Regulation: Legal Challenges In Indonesia In Responding To The Development Of Generative Artificial Intelligences Hendri Khuan; Darmawati Darmawati; Meyer Tendean; Dadin Solihin
Journal of International Multidisciplinary Research Vol. 3 No. 6 (2025): Juni 2025
Publisher : PT. Banjarese Pacific Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62504/jimr1267

Abstract

Penelitian ini menganalisis tantangan hukum dalam menyeimbangkan inovasi Generative AI (GenAI) dan kebutuhan regulasi di Indonesia, mengidentifikasi celah regulasi, dampak sektoral, serta merumuskan rekomendasi kebijakan berbasis prinsip keadilan dan keberlanjutan. Metode: Penelitian menggunakan studi pustaka kualitatif dengan pendekatan deskriptif-analitis.  Studi mengidentifikasi tiga tantangan utama: (1) Regulasi yang tidak adaptif, di mana UU ITE, PDP, dan Hak Cipta gagal mengatur aspek krusial GenAI seperti status hukum output AI, bias algoritma, dan penggunaan data pelatihan; (2) Ambang akuntabilitas yang ambigu, menyulitkan penentuan pihak bertanggung jawab atas konten ilegal atau disinformasi berbasis AI; serta (3) Dampak sektoral tidak terantisipasi, termasuk risiko hallucination di sektor keuangan, plagiarisme pendidikan, dan disrupsi tenaga kerja kreatif. Solusi yang diusulkan mencakup regulasi berbasis risiko, amandemen UU Hak Cipta untuk ciptaan AI, kolaborasi multistakeholder, dan regulatory sandbox untuk inovasi terkendali.
Peran Faktor Internal dan Eksternal dalam Mendorong Pembiayaan Bank Syariah untuk Pengembangan Bisnis UMKM di Wilayah Jawa Barat Widiantini, Nema; Farid, Diana; Solihin, Dadin
Ecobankers : Journal of Economy and Banking Vol. 5 No. 1 (2024): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/ecobankers.v5i1.2047

Abstract

Penelitian ini dilatar belakangi bahwa selain permodalan, umkm juga terkendala Sumber daya manusia yang merupakan asset yang paling penting yang peranannya sangat diperlukan dalam mendukung terciptanya UMKM dengan daya saing dan kualitas tinggi. Rendahnya kualitas SDM memengaruhi kemampuannya dalam menciptakan, memanfaatkan peluang usaha, menyerap, menggunakan teknologi produksi, perencanaan produksi, dan pengelolaan perusahaan. Hasil penelitan ini menyimpulkan bahwa karakter, kapasitas, modal, jaminan, dan kondisi berkontribusi positif terhadap perkembangan UMKM. Hal ini didasarkan kepada setiap debitur yang lolos verifikasi 5C memiliki kualitas yang diyakini dapat mengembangkan usahanya. Sebagaimana dalam Undang – Undang Perbankan Nomor 21 tahun 2008 yang terdapat dalam Pasal 8, yaitu dalam memberikan pembiayaan berdasarkan prinsip Syari’ah, bank umum wajib mempunyai keyakinan berdasarkan analisis yang mendalam atas niat, kemampuan, serta kesanggupan debitur untuk melunasi utangnya atau mengembalikan pembiayaan dimaksud sesuai dengan yang diperjanjikan. This research is motivated that in addition to capital, MSMEs are also constrained by human resources which are the most important assets whose role is indispensable in supporting the creation of MSMEs with competitiveness and high quality. The low quality of human resources affects its ability to create, take advantage of business opportunities, absorb, use production technology, production planning, and company management. The results of this research concluded that character, capacity, capital, guarantees, and conditions contribute positively to the development of MSMEs. This is based on every debtor who passes the 5C verification has qualities that are believed to be able to develop their business. As stated in Banking Law Number 21 of 2008 contained in Article 8, namely in providing financing based on Sharia principles, commercial banks must have confidence based on an in-depth analysis of the debtor's intentions, abilities, and abilities to pay off their debts or return the financing by the agreement.
IMPLEMENTASI PENYALURAN PROGRAM BANTUAN PANGAN NON-TUNAI PADA MASYARAKAT DESA GUNUNG MASIGIT Sulastri, Ema; Solihin, Dadin
Jurnal Pelita Nusa Vol 5 No 1 (2025): Juni-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v5i1.223

Abstract

The Non-Cash Food Assistance Program (BPNT) is one of the government's efforts to increase food security and reduce the burden of expenditure on the poor. However, the effectiveness of the implementation of this program often faces obstacles, especially related to the accuracy of the target and the timeliness of distribution. This study aims to analyze the implementation of BPNT distribution in Gunung Masgitit Village, Cipatat District, West Bandung Regency. The research method used is qualitative with data collection techniques through interviews, observations, and documentation. The results of the study show that the BPNT program is quite effective in terms of good public understanding, reduced expenditure burden, and real benefits felt by Beneficiary Families (KPM). However, problems were found in the accuracy of the target due to suboptimal data updates and delays in the distribution of aid. The conclusion of this study emphasizes the need to increase socialization to program implementers, improve distribution infrastructure, and strengthen supervision so that the BPNT program can be more targeted and on time.
ANALISIS PROSEDUR PEMBIAYAAN MUDHĀRABAH UNTUK MODAL USAHA STUDI KASUS PADA BANK MUAMALAT KANTOR CABANG PADALARANG BANDUNG BARAT Cahyati, Lisna; Solihin, Dadin; Maryati
Jurnal Pelita Nusa Vol 5 No 1 (2025): Juni-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v5i1.224

Abstract

The phenomenon that occurs in the community shows that some business actors are reluctant to apply for business capital loans to Islamic banks. This is due to the lack of public knowledge about financing procedures in Islamic banks, so they tend to choose other financial institutions that are considered easier and instant without considering future risks. This study aims to comprehensively analyze business capital financing procedures in Islamic banks to increase public understanding of sharia-based business capital financing. The focus of the research is directed at the Mudārabah financing procedure, which includes the stages of planning, implementation, process, and evaluation of its implementation. This study uses a qualitative approach with the researcher as the main instrument, assisted by interview guidelines and observation guidelines. Data were collected through interviews, observations, and documentation, and tested for validity with source triangulation techniques. Data analysis is carried out through four stages, namely data collection, data reduction, data presentation, and conclusion. The results of the study show that overall, the Mudhārabah financing procedure at Bank Muamalat Padalarang Branch Office is in accordance with existing theory, in line with the principles of sharia economics, and in accordance with the provisions of Islamic law.
METODE ISTINBATH DAN HUKUM ASURANSI SYARIAH MENURUT ORGANISASI KEAGAMAAN ISLAM DI INDONESIA Ariyanto; Solihin, Dadin; Saefuddin, Aep; Hidayatul Ummah, Nida
Jurnal Pelita Nusa Vol 5 No 1 (2025): Juni-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v5i1.236

Abstract

Sharia insurance is a contemporary issue that does not have an explicit basis in the Qur'an, Hadith, or the books of mu'tabarah from the four schools. Therefore, Islamic religious organizations in Indonesia, such as MUI, NU, Muhammadiyah, and PERSIS play an important role in establishing laws related to sharia insurance so that they become guidelines for the people. This study aims to explain the istinbath method used by the organization in determining the halalness of Sharia insurance. The research method used was a literature study and interviews with figures from each organization. The results of the study show that MUI uses the nash qoth'i, qauli, and manhaji approaches; NU uses qauli, ilhaqi, and manhaji; Muhammadiyah uses bayani, burhani, and irfani; while PERSIS uses istidlal on the Qur'an, Hadith, and ijtihad. Despite the differences in methods, all of these organizations concluded that sharia insurance is halal because it contains the value of helping (ta'awuni), bearing each other (takafuli), and bringing the common good (maslahah al-'ammah), which is in line with Maqāsid al-sharia, namely the maintenance of religion, soul, intellect, descendants, and property.
Co-Authors , Maryati Abin Suarsa Aditya M.R. Aep Saefuddin Agung Wildan Azizi Al Hakim, Sofyan Amung Ma’mur Apriani, Triana Ariyanto Asri Sundari Athoillah, M. Anton Badriya Hisniati, Sally Bainon, Masalan Bubun Bunyamin Cahyati, Lisna Dara Fauzia Darmawati Darmawati Destriana Dwi Utari Diah Fauziah Diana Farid Diana Farid Elmania Elmania Rahayu Elsa Elsa Novita Wardani Ema Sulastri Erly Sherlita Farid, Diana Gastriani, Ovi Prina Gita Nursafitri Hendri Khuan Hidayatul Ummah, Nida Idzam Fautanu Ifa Rahmawati Imam Tunggara Irfan Saefuloh Irman Purnama Judijanto, Loso Jurri Jamaliah Khosyi’ah, Siah Kusmara Setiadi Lestari, Linda Lisna Cahyati Loso Judijanto Marsel Dwi Yulianto Marwan Fauzi Maryati Ma’mun, Saepul Meyer Tendean Nema Widiantini Neng Sapitri Novaldi Arobiansyah Nur Damayanti, Santi Nuraida Rahmawati Nurnaningsih, Rita Nuryakin, Rahmat Aji Pardin Lasaksi Rana Alifa Haryanto Resti `Agustina Rahayu Retania Aulia Ridwan, Ahmad Hasan Rusman Hadi, Rusman Saepul Ma’mun Saepul Ma’mun Saepul Ma’mun Salsa Rahmadini Senki Nurachmadi Setiadi Setiadi Setiadi Siti Ummu Imaroh Nusaibah Syifa Nirmalawati Teguh Hariyanto, Teguh Tubagus Akbar Uep Herlan Sudrajat Ujang Burhanudin Venny Setyowardani Venny Setyowardani Widiantini, Nema Yadi Janwari Yusniar, Yusniar