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All Journal JURISDICTIE Jurnal Hukum dan Syariah Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan
Ariyanti, Sari
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Religion Law, Crime, Criminology & Criminal Justice Social Sciences

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SENGKETA DALAM KONTRAK PENDANAAN DIGITAL: ANALISIS HUKUM KEPERDATAAN DAN ALTERNATIF PENYELESAIANNYA Miftachul Ulum, Kefi; Ariyanti, Sari; Suganda, Rangga; Rahmawati, Dewi; Khotimah, Husnul
Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Vol 10, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/almaqasid.v10i2.11601

Abstract

Securities crowdfunding is a service that funds MSMEs and start-up companies using standard agreements. The agreement used contains clauses containing moral hazard from the service provider company in the form of forcing service users not to involve the provider in the event of a dispute, whereas if the legal relationship is explained, the provider acts as an intermediary for service users with a central role, so that without the provider, such digital funding will not occur. This information technology-based funding activity is covered by Financial Services Authority Regulation No. 57 of 2020 concerning Securities Offerings through Information Technology-Based Crowdfunding Services and Financial Services Authority Regulation Number 16 of 2021 Amendment to Financial Services Authority Regulation Number 57 of 2020 concerning Securities Offerings Through Services Information Technology-Based Crowdfunding. The use of the standard agreement refers to Article 64(1) of POJK 57 2020 with the principles of balance, justice, and fairness. The agreement clause also contains unclear dispute resolution related to sharia funding, and service users will also experience the potential risk of disputes between organizers, issuers, and investors, as well as risks related to investment. Normative legal research is used as a research method that is classified in library research using a statute approach as an approach to contractual analysis and dispute resolution hierarchies by breaking down various laws and technical regulations from the Financial Services Authority. Analysis with this approach was found in the study of Article 1338 of the Civil Code requiring contracts to be made in accordance with the law, but the agreement clauses used did not apply the principles of justice, norms, and morality. Apart from that, a hierarchy was found in digital-based and offline-based dispute resolution with clustering the level of each problem or dispute. This level of clustering is a codification of the breakdown results carried out by the compiler of interrelated regulations, which are classified as internal dispute resolution and external dispute resolution.
INTEGRATION OF ISLAMIC PHILANTHROPY WITH FINANCIAL TECHNOLOGY: The Case Study of Waqf towards Sustainable Funding in Indonesia Ulum, Kefi Miftachul; Ariyanti, Sari; Witro, Doli; Nasyiah, Iffaty
Jurisdictie: Jurnal Hukum dan Syariah Vol 16, No 1 (2025): Jurisdictie
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j.v16i1.30447

Abstract

The rapid expansion of Indonesia’s digital economy, bolstered by evolving financial regulations, presents a strategic opportunity to integrate Islamic philanthropy—particularly waqf—into fintech-based funding systems. This study explores the potential integration of waqf instruments within securities crowdfunding, as governed by OJK Regulation No. 57 of 2020 and its amendment, OJK Regulation No. 16 of 2021. The growth in sukuk issuances—from 59 in August 2023 to 105 by May 2024, comprising 30% of all securities—demonstrates a promising avenue for channeling waqf funds to support MSMEs and drive socio-economic development. Employing a normative legal research methodology, this study utilizes statutory and conceptual analysis, drawing on primary legal sources related to waqf and crowdfunding, as well as secondary data from the Financial Services Authority (OJK) and the Central Securities Depository (KSEI). Through descriptive-analytical methods and integrative legal theory, the research examines how regulatory frameworks can be aligned. The findings indicate a strong legal synergy between Islamic waqf law and fintech regulations, facilitating the development of a productive, Sharia-compliant waqf investment model. This study offers a conceptual and regulatory roadmap for leveraging waqf funds through digital platforms, enhancing their sustainability, accountability, and role in promoting inclusive Islamic economic growth. Ekspansi pesat ekonomi digital Indonesia yang didukung oleh regulasi keuangan yang terus berkembang menghadirkan peluang strategis untuk mengintegrasikan filantropi Islam—khususnya wakaf—ke dalam sistem pendanaan berbasis fintech. Studi ini mengeksplorasi potensi integrasi instrumen wakaf dalam skema securities crowdfunding sebagaimana diatur dalam Peraturan OJK Nomor 57 Tahun 2020 dan perubahannya, yakni Peraturan OJK Nomor 16 Tahun 2021. Peningkatan jumlah penerbitan sukuk—dari 59 pada Agustus 2023 menjadi 105 pada Mei 2024, yang mencakup 30% dari seluruh surat berharga—menunjukkan jalur yang menjanjikan untuk menyalurkan dana wakaf guna mendukung UMKM dan mendorong pembangunan sosial ekonomi. Dengan menggunakan metode penelitian hukum normatif, studi ini menerapkan pendekatan analisis yuridis dan konseptual, dengan merujuk pada sumber hukum primer terkait wakaf dan crowdfunding, serta data sekunder dari Otoritas Jasa Keuangan (OJK) dan Kustodian Sentral Efek Indonesia (KSEI). Melalui metode deskriptif-analitis dan pendekatan teori hukum integratif, penelitian ini mengkaji bagaimana kerangka regulasi dapat diselaraskan. Temuan menunjukkan adanya sinergi hukum yang kuat antara hukum wakaf Islam dan regulasi fintech, yang memungkinkan pengembangan model investasi wakaf yang produktif dan sesuai dengan prinsip syariah. Studi ini menawarkan peta jalan konseptual dan regulatif untuk memanfaatkan dana wakaf melalui platform digital, guna meningkatkan keberlanjutan, akuntabilitas, serta peranannya dalam mendorong pertumbuhan ekonomi Islam yang inklusif.
Co-Authors AA Sudharmawan, AA DEWI RAHMAWATI Iffaty Nasyiah, Iffaty Miftachul Ulum, Kefi Suganda, Rangga Ulum, Kefi Miftachul Witro, Doli