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AN ISLAMIC SPIRIT FOR BUSINESS ETHICS AND LEGAL FRAMEWORK OF FINTECH PEER TO PEER LENDING: Why Does Indonesia Need It? Aditya Prastian Supriyadi
Jurisdictie: Jurnal Hukum dan Syariah Vol 13, No 2 (2022): Jurisdictie
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j.v13i2.17876

The growth of Fintech Peer-to-Peer (P2P) lending in Indonesia is one of the supports for national economic development. The positive growth of this financial sector is not supported by proportional rules, resulting in the practices of business ethics violation which is detrimental to society. To overcome these problems, the spirit of Islam can be the basis for determining ethical and business measures into a better legal framework for Fintech P2P Lending. This article applies a normative legal research method using a conceptual approach and legislation relevant to the theme of the study. The research results indicate that Fintech P2P Lending in Indonesia needs to be regulated in a qualified legal framework because the existing rules have not been able to solve unethical actions of businessmen. The business concept in Islam also accommodates ethical issues that must be applied in business activities as a harmless commerce spirit. This Islamic spirit can be used as a source of material law in determining a clear legal framework to uphold Fintech P2P Lending business ethics so as not to harm the Indonesian people.Pertumbuhan fintech peer-to-peer (P2P) lending di Indonesia merupakan salah satu penunjang pembangunan ekonomi nasional. Pertumbuhan positif sektor keuangan ini tidak diikuti dengan aturan yang proporsional sehingga menimbulkan praktik-praktik yang melanggar etika bisnis dan sangat merugikan masyarakat. Untuk mengatasi permasalahan tersebut, semangat Islam dapat menjadi landasan untuk menentukan langkah-langkah etis dan bisnis ke dalam kerangka hukum fintech P2P lending yang lebih baik. Artikel ini menggunakan metode penelitian hukum normatif dengan menggunakan pendekatan konseptual dan peraturan perundang-undangan yang relevan dengan tema penelitian. Hasil penelitian dalam artikel ini menunjukkan bahwa fintech P2P Lending di Indonesia perlu diatur dalam kerangka hukum yang mumpuni karena aturan yang ada belum mampu mengatasi tindakan tidak etis dari para pelaku bisnis. Konsep bisnis dalam Islam juga mengakomodir persoalan etika yang harus diterapkan dalam kegiatan bisnis sebagai spirit perdagangan yang tidak merugikan. Semangat keislaman ini dapat dijadikan sebagai sumber hukum materil dalam menentukan kerangka hukum yang jelas untuk menegakkan etika bisnis fintech P2P lending agar tidak merugikan masyarakat Indonesia.

Green Sukuk in Indonesia: Unraveling Legal Frameworks for Sustainable Islamic Bonds Supriyadi, Aditya Prastian; Fidhayanti, Dwi; Ramadhita, Ramadhita; Noh, Mohd Shahid bin Mohd
El-Mashlahah Vol 13 No 2 (2023)
Publisher : Sharia Faculty of State Islamic Institute (IAIN) Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/el-mashlahah.v13i2.7372

Green sukuk is a contemporary-era sharia investment revolution that accommodates environmental aspects. Integrating Sustainable Financing in green sukuk can be an alternative investment platform contributing to sustainable development. The concept paradigm is relevant for strengthening the proportional construction of green sukuk law in Indonesia. The study aimed to analyze the concept of sustainable financing as the legal basis for implementing green sukuk in supporting sustainable development programs in Indonesia. The study used normative legal research methods. This research approach used a conceptual approach through reasoning the concepts of sustainable financing, green sukuk, and other concepts relevant to the topic of study to strengthen the discussion argument. The study showed that there are 2 (two) components of the relevance of the Sustainable Financing paradigm as the basis for implementing green sukuk in Indonesia. First, the implementation of green sukuk in various countries has rules that accommodate sustainable financing in response to climate change problems. Second, the sustainable financing Paradigm is relevant as a source of green sukuk legal construction to strengthen the policy basis for implementing environmentally sound investment in Indonesia. The urgency of the regulation is to increase investment commitments that can increase environmental resilience, alleviation of social problems and business transparency in contributing to sustainable development in Indonesia.

Tingkat Kesadaran Hukum Pelaku Usaha Sound Gigantic (Sound Horeg) dalam Karnaval di Kabupaten Malang Suhala, Ahmad Wildan; Supriyadi, Aditya Prastian; Huda, Miftahul
Ekspose: Jurnal Penelitian Hukum dan Pendidikan Vol. 24 No. 1 (2025): Juni
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ekspose.v24i1.8954

Penelitian ini bertujuan untuk mengkaji tingkat kesadaran hukum pelaku usaha sound horeg di Kecamatan Gondanglegi dalam konteks penerapan Peraturan Daerah Kabupaten Malang Nomor 11 Tahun 2019 tentang Pengendalian Kebisingan Lingkungan. Sound horeg merupakan usaha penyewaan sound system dengan volume tinggi yang sering digunakan dalam acara karnaval, namun penggunaannya menimbulkan kebisingan berlebihan yang berdampak negatif pada masyarakat dan lingkungan sekitar. Hasil penelitian menunjukkan bahwa mayoritas pelaku usaha sound horeg memiliki kesadaran hukum yang rendah, ditandai dengan penolakan terhadap batas maksimal kebisingan 60 desibel dan kurangnya pemahaman mengenai perizinan serta sanksi yang berlaku. Faktor penyebab rendahnya kesadaran hukum antara lain adalah keterbatasan sosialisasi dan edukasi dari pemerintah, tingkat pendidikan yang rendah, budaya usaha yang sudah terbentuk, faktor ekonomi yang mendorong pelaku usaha mengabaikan aturan demi kelangsungan bisnis, serta pengawasan dan penegakan hukum yang belum optimal. Dampak dari rendahnya kesadaran hukum ini meliputi gangguan ketertiban umum, masalah kesehatan masyarakat, dan potensi konflik sosial antara pelaku usaha dan warga sekitar. Penelitian merekomendasikan peningkatan sosialisasi dan edukasi hukum, penguatan pengawasan dan penegakan hukum secara konsisten, serta kolaborasi antara pemerintahÂ aparat kepolisian, pelaku usaha, dan masyarakat. Pendekatan yang menggabungkan penegakan hukum dengan pembinaan dan pemberian insentif diharapkan dapat meningkatkan kesadaran dan kepatuhan hukum pelaku usaha sound horeg secara berkelanjutan, sehingga tercipta lingkungan usaha yang tertib dan harmonis di Kecamatan Gondanglegi

Transformasi Kebijakan Pengesahan Judul Skripsi Berbasis Total Quality Management Nasyi'ah, Iffaty; Supriyadi, Aditya Prastian; Bahagiati, Kurniasih
J-MPI (Jurnal Manajemen Pendidikan Islam) J-MPI Vol.10, No.1, Juni 2025
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/jmpi.v10i1.32296

Problematika mahasiswa yang mengalami banyak penolakan judul skripsi perlu direspon melalui kebijakan yang transformatif. Pendekatan Total Quality Management dapat menjadi ukuran untuk menciptakan kebijakan untuk mengatasi problematika mahasiswa yang telah diidentifikasi tersebut. Penelitian ini bertujuan untuk menjelajahi dan menganalisis transformasi kebijakan pengesahan judul skripsi berbasis (TQM) di Program Studi Hukum Ekonomi Syariah, Fakultas Syariah, UIN Maulana Malik Ibrahim Malang. Metode penelitian yang digunakan adalah penelitian kualitatif dengan pendekatan studi konseptual. Hasil penelitian menunjukkan bahwa implementasi TQM dalam kebijakan pengesahan judul skripsi dapat memberikan kontribusi positif terhadap peningkatan kualitas akademis. Agar kebijakan pengesahan skema skripsi Prodi HES dapat menjadi kebijakan yang transformatif, dapat memperhatikan 4 (empat) indikator TQM yang terdiri dari (1) fokus pada pelanggan, (2) keterlibatan para pihak, (3) pengukuran komitmen, dan (4) Perbaikan berkelanjutan yang dapat diintegrasikan kedalam kebijakan. Penerapan TQM dalam kebijakan diharapkan dapat menciptakan kebijakan yang dapat mengatasi problematika mahasiswa yang mengalami banyak penolakan skripsi. Implikasi dari penelitian ini dapat memberikan panduan kebijakan untuk membimbing mahasiswa dalam menyiapkan rencana penelitian yang layak sebagai tugas akhir dalam masa akhir perkuliahan.

Legal Positivism and Fiqh Muamalah Paradigm’s on Indonesian Sharia Fintech Legal Framework Saifullah, Saifullah; Al Munawar, Faishal Agil; Bahagiati, Kurniasih; Supriyadi, Aditya Prastian
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 16, No 1 (2024)
Publisher : Faculty of Sharia and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v16i1.39237

Sharia Financial Technology in Indonesia is regulated in OJK Regulation No. 10/POJK.05/2022 Concerning Information Technology-Based Joint Funding Services. According to researchers, enacting these regulations still needs improvement because they are disproportionate to the basic rules for implementing Sharia Fintech in Indonesia. A Fiqh Muamalah study needs to be conducted to reconstruct these rules into proportional rules. This research uses normative legal research methods. This research uses a statutory regulatory approach related to Fintech and DSN MUI Fatwa, as well as the Fiqh Muamalah conceptual approach. The results show that based on the Fiqh Muamalah indicator, OJK Regulation No. 10/POJK.05/2022 still needs to be in harmony with Fiqh Muamalah. The OJK Regulations have no concrete rules regarding what contracts can be used for Sharia Fintech schemes. Abstrak:Financial Technology Syariah di Indonesia saat ini diatur dalam Peraturan OJK No. 10/POJK.05/2022 Tentang Layanan Pendanaan Bersama Berbasis Teknologi Informasi. Keberlakuan Peraturan tersebut masih perlu di perbaiki karena tidak proporsional sebagai aturan dasar penyelenggaraan. Perlu ada kajian Fikih Muamalah untuk Merekonstruksi aturan tersebut menjadi aturan yang proporsional. Penelitian ini menggunakan metode penelitian hukum normatif. Pendekatan penelitian menggunakan Pendekatan Peraturan Perundang-undangan yang terkait dengan Fintech dan Fatwa DSN MUI, serta pendekatan Konseptual Fikih Muamalah. Hasil Penelitian menunjukkan, berdasarkan indikator Fikih Muamalah, Peraturan OJK No. 10/POJK.05/2022 masih tidak harmonis dengan Fikih Muamalah. Dalam Peraturan OJK tidak ada aturan konkret mengenai akad apa yang dapat digunakan untuk skema Fintech Syariah.

Legal Policy of Green Investment: A Study of the Green Constitution and Fiqh Bi’ah towards Net Zero Emissions in Indonesia Lutfi, Mustafa; Supriyadi, Aditya Prastian; Nur, Asrul Ibrahim; Bahagiati, Kurniasih; Ramadhita, Ramadhita
Journal of Indonesian Legal Studies Vol. 10 No. 1 (2025): Legal Transformation and Policy Challenges in Indonesia: Navigating Technology
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jils.v10i1.3114

There is an urgent need for a legal policy of green investment law to reduce gas emissions in Indonesia based on the perspective of the green constitution and Fiqh Bi'ah in the contemporary era. This urgency is parallel to the development of the global response to sustainable economic transformation to achieve net zero emissions by 2060. However, the green investment policy design has to hold a strategic position in Indonesia's positive law because it always remains partial. In other words, such a policy requires comprehensive examination based on the Green Constitution and Fiqh Bi'ah in constructing future national, legal, and political designs relevant to the net zero emission paradigm. This study employs a normative legal research method with philosophical, conceptual, historical, comparative, and statutory approaches. Primary, secondary, and tertiary legal sources were analysed using a qualitative juridical method. The findings indicate that the 1945 Constitution has constitutionally accommodated the principles of the Green Constitution, which align with Fiqh Bi’ah regarding sustainable environmental management as mandated by the Quran. This legal construction can be a strategic foundation for green investment policies based on net zero emissions to address climate change. The alignment between the Green Constitution and Fiqh Bi’ah strengthens green investment policies as a concrete step toward preserving the earth for the sustainability of future generations. Thus, integrating these two perspectives becomes a primary element in building a sustainable civilisation oriented towards environmental preservation.

Mewujudkan Green Industry melalui Optimalisasi Perizinan Berbasis Risiko : Studi Kesadaran Hukum pada industri Penyamakan Kulit di Magetan Feriska Nurjanah; Supriyadi, Aditya Prastian; Miftahul Huda
Jurnal Surya Kencana Satu : Dinamika Masalah Hukum dan Keadilan Vol. 16 No. 1 (2025): Surya Kencana Satu
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/jdmhkdmhk.v16i1.46988

Seiring dengan pertumbuhan Industri Kecil dan Menengah (IKM) di Indonesia yang mencapai 4,19 juta unit usaha. IKM berperan penting dalam upaya mendukung pembangunan ekonomi yang berkelanjutan, sehingga penerapan konsep green industry diperlukan agar dalam perkembanganya industri tetap memberikan kontribusi sesuai dengan praktik ramah lingkungan. Selain itu, penting bagi industri untuk memiliki legalitas usaha, sebagai contoh industri penyamakan kulit di Kabupaten Magetan. Berdasarkan Peraturan Pemerintah No. 5 Tahun 2021 tentang Penyelenggaraan Perizinan Berusaha Berbasis Risiko, pelaku usaha wajib memiliki izin berdasarkan tingkat risiko dan dampak usahanya. Sayangnya, sebagian besar pelaku usaha penyamakan kulit di Magetan belum mematuhi kewajiban tersebut. Penelitian ini bertujuan untuk mengidentifikasi faktor penyebab ketidakpatuhan dan mengkaji upaya peningkatan kesadaran hukum perizinan berbasis risiko yang dilakukan oleh UPT Industri Kulit dan Produk Kulit Magetan guna mendukung penerapan green industry. Penelitian ini menggunakan metode yuridis empiris dengan pendekatan perundang-undangan, konseptual, dan sosiologis. Data primer diperoleh melalui wawancara dengan penyamak kulit dan UPT Industri Kulit, sedangkan data sekunder meliputi dokumen resmi dan literatur terkait. Hasil penelitian menunjukkan bahwa ketidakpatuhan penyamak kulit disebabkan oleh faktor internal dan eksternal. Kurangnya pemahaman tentang regulasi, keterbatasan informasi, serta kendala administratif, seperti penyusunan dokumen pengelolaan lingkungan dan pengurusan sertifikat standar menjadi faktor internal ketidakpatuhan. Sementara, faktor eksternal terjadi karena minimnya sosialisasi dan kebaruan sistem perizinan. Upaya peningkatan kesadaran hukum melalui sosialisasi, edukasi, dan pendampingan teknis oleh UPT telah dilakukan, tetapi optimalisasi masih diperlukan. Penelitian ini menegaskan pentingnya integrasi antara perizinan berusaha berbasis risiko dengan prinsip green industry untuk memastikan legalitas usaha dan pengelolaan limbah yang berkelanjutan.

Integrating Good Governance and Digitalisation: A New Breakthrough in the Special Economic Zone of Singhasari Cahyandari, Dewi; Susilo, Edi; Hadiyantina, Shinta; Prasetyo, Ngesti D.; Supriyadi, Aditya Prastian; Liemanto, Airin; Arifien, Zainal; Supriyadi, Rizki Febrianto; Lestari, Diah Charisma
Al-Daulah: Jurnal Hukum dan Perundangan Islam Vol. 12 No. 2 (2022): October
Publisher : Prodi Hukum Tata Negara Fakultas Syariah dan Hukum UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/ad.2022.12.2.238-268

Special Economic Zones (SEZs) aim to boost the economy of a region or even a country. In Indonesia, as of 2022, eighteen regions belonged to SEZs, and Singhasari is among those regions—the only SEZ with a digital economic concept. In its implementation, a Good Governance concept is needed to allow for the organisation of management and the achievement of the goals of the development of the SEZ. Concepts such as Community Participation, Stakeholder Involvement, and Local Ownership will be discussed in this research. On the other hand, technology can be utilised to give value to SEZ. The digitalisation of the SEZ can be used in the implementation of Good Governance concepts as well as attracting people and investors to participate. The concept of digitizing the SEZ Singhasari area utilising Augmented Reality and Virtual Reality can be used to introduce the SEZ of Singhasari. Besides, there are also other features such as legal materials underpinning the development of SEZ Singhasari. This study used the principle of Good Governance that underlies SEZ governance. Meanwhile, the concept of digitalisation with the addition of augmented and virtual reality will be used as one of the breakthroughs to harmonize development in the current technological era. Keywords: Special Economic Zone, Singhasari, Digitalisation, Good Governance.

Productive Waqf Law Reform: A Solution to Support Indonesian Local Economy amid Contemporary Global Recession Miftahul Huda; Aditya Prastian Supriyadi; Ramadhita
MILRev: Metro Islamic Law Review Vol. 4 No. 1 (2025): MILRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v4i2.10210

Productive waqf potential supports sustainable local economic resilience in the face of a global recession. However, its management in Indonesia remains suboptimal, considering that waqf assets are more dominantly distributed to non-productive sectors. This happens because the legal framework of waqf is not ideal for regulating the management of cash waqf assets productively for the economic empowerment of the community amid a global recession. This study analyses the urgency of legal reform in the cash waqf asset sector to support local economic empowerment while exploring the synergy between Islamic law and positive law in designing a more adaptive basis for productive waqf law to address modern economic challenges. The method employed in this study is normative legal research, incorporating both conceptual and statutory approaches. The data analysis technique was conducted using the content analysis method to explore legal doctrines and related literature to formulate the ideal concept of productive waqf legal reform. The research results show that the urgency of waqf law reform is based on weak regulations that hinder the optimisation of cash waqf assets for economic empowerment. Legal uncertainty, inequality of access to waqf benefits, and regulatory compliance with the needs of the modern economy are the main challenges that require responses. The second area of research on the synergy between Islamic law and positive law can serve as the basis for regulatory renewal through the accommodation of sharia maqashid principles, economic empowerment based on productive waqf, and collaboration among the government, the private sector, and the community. Proper legal reform will encourage more structured and systematic management of cash waqf assets, making it a strategic legal instrument for strengthening local economic resilience amid the threat of a global recession.

Legal Positivism and Fiqh Muamalah Paradigm’s on Indonesian Sharia Fintech Legal Framework Saifullah, Saifullah; Al Munawar, Faishal Agil; Bahagiati, Kurniasih; Supriyadi, Aditya Prastian
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 16 No. 1 (2024)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v16i1.39237

Sharia Financial Technology in Indonesia is regulated in OJK Regulation No. 10/POJK.05/2022 Concerning Information Technology-Based Joint Funding Services. According to researchers, enacting these regulations still needs improvement because they are disproportionate to the basic rules for implementing Sharia Fintech in Indonesia. A Fiqh Muamalah study needs to be conducted to reconstruct these rules into proportional rules. This research uses normative legal research methods. This research uses a statutory regulatory approach related to Fintech and DSN MUI Fatwa, as well as the Fiqh Muamalah conceptual approach. The results show that based on the Fiqh Muamalah indicator, OJK Regulation No. 10/POJK.05/2022 still needs to be in harmony with Fiqh Muamalah. The OJK Regulations have no concrete rules regarding what contracts can be used for Sharia Fintech schemes. Abstrak:Financial Technology Syariah di Indonesia saat ini diatur dalam Peraturan OJK No. 10/POJK.05/2022 Tentang Layanan Pendanaan Bersama Berbasis Teknologi Informasi. Keberlakuan Peraturan tersebut masih perlu di perbaiki karena tidak proporsional sebagai aturan dasar penyelenggaraan. Perlu ada kajian Fikih Muamalah untuk Merekonstruksi aturan tersebut menjadi aturan yang proporsional. Penelitian ini menggunakan metode penelitian hukum normatif. Pendekatan penelitian menggunakan Pendekatan Peraturan Perundang-undangan yang terkait dengan Fintech dan Fatwa DSN MUI, serta pendekatan Konseptual Fikih Muamalah. Hasil Penelitian menunjukkan, berdasarkan indikator Fikih Muamalah, Peraturan OJK No. 10/POJK.05/2022 masih tidak harmonis dengan Fikih Muamalah. Dalam Peraturan OJK tidak ada aturan konkret mengenai akad apa yang dapat digunakan untuk skema Fintech Syariah.

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