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All Journal JURNAL YURIDIS UNAJA NALAR FIQH: Jurnal Hukum Islam
Nazori, Ahmad
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Religion Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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PENGAWASAN TERHADAP FUNGSI PERLINDUNGAN KONSUMEN PADA SEKTOR INDUSTRI JASA KEUANGAN (IJK) Nazori, Ahmad
JURNAL YURIDIS UNAJA Vol 2 No 2 (2020): JURNAL YURIDIS UNAJA
Publisher : LPPM Universitasdiwangsa Jambi

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Abstract

Permasalahan yang dialami oleh Industri Jasa Keuangan (IJK) pada akhir-akhir ini semakin muncul kepermukaan. Banyaknya klaim atas polis asuransi yang tidak mampu dibayar oleh lembaga asuradur, terjadinya beberapa perbankan yang mengalami kesulitan likuiditas, hingga banyaknya masyarakat yang dirugikan karena membeli saham perusahaan yang tidak layak masuk pasar bursa. Semua itu sangat merugikan konsumen jasa keuangan. Pada akhirnya mengakibatkan kerugian negara dan menghambatnya laju pembangunan. Peraturan perundangan terhadap pengawasan dan penindakan terhadap lembaga IJK sudah cukup banyak, namun ternyata belum bisa melindungi masyarakat konsumen secara baik. Hal tersebut dkakrenakan lemahnya pelaksanaan pengawasan secara riil di lapangan, masih rendahnya kualitas dan terbatasnya sumberdaya handal yang akan mengawasi para profesional IJK. Diharapkan agar OJK lebih meningkatkan pengawasan dan penindakan, meningkatkan kualitas sumberdaya, melaksanakan reorganisasi sesuai kebutuhan, dan membuat regulasi sesuai perkembangan Industri Keuangan antara lain untuk menghindari agar masyarakat konsumen terlindungi dan tidak terdampak disrupsi.
Aspek Pidana dalam Undang-undang Jaminan Fidusia Menurut Hukum Pidana Islam (Analisis Putusan No. 509/Pid.Sus/2021/ PN.Jmb) Batubara, Febrian; Harun, Hermanto; Nazori, Ahmad; J, Samsul Hadi; Wardani, Retno Kusuma; Yusuf, M.
NALAR FIQH: Jurnal Hukum Islam Vol. 14 No. 1 (2023): June 2023
Publisher : Fakultas Syariah Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/nf.v14i1.1348

Abstract

Islam as a religion that leads to salvation has discussed muamalah issues which are expected to be a guide for mankind. Consumer financing in installments with fiduciary agreements is currently the people's favorite. However, it causes many problems, namely criminal threats in the event of misappropriation of collateral. This study will explain the views of Islamic criminal law regarding fiduciary engagement in consumer financing and the legal sanctions regarding misappropriation of collateral in the context of Decision No. 509/Pid.Sus/2021/PN.Jmb. This type of study is normative legal research with a conceptual approach. Sources of data used were obtained from scientific journals, laws and regulations, fatwas of scholars, and books. The results of this study indicate that in this decision, the defendant was guilty of diverting fiduciary collateral items without the approval of the financing institution as the recipient of the guarantee and was sentenced to 1 year in prison and a fine of 50 million IDR and collateral items were handed over to the financing institution for execution. The analysis of Islamic criminal law in this case is that the defendant's actions are convincingly included in the “ghulul,” namely the crime act of diverting objects under his control even though the rights of other people are involved and are threatened with “ta’zir.”
Co-Authors Batubara, Febrian Hermanto Harun J, Samsul Hadi M. Yusuf Wardani, Retno Kusuma