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Analisis Putusan Hakim Pengadilan Agama Kabupaten Cirebon pada Prosedur Eksekusi Sita Jaminan Perkara Murabahah Abdullah, Fadli Daud; Sururie, Ramdani Wahyu; Mukhlas, Oyo Sunaryo
Strata Social and Humanities Studies Vol. 1 No. 2 (2023): October
Publisher : CV. Strata Persada Academia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59631/sshs.v1i2.99

Abstract

This research analyzes the decision of the Sumber Religious Court of Cirebon Regency in the procedure for executing the confiscation of sharia mortgage rights in the murabahah case Number 2008/Pdt.G/2020/PA.Sbr. This research pays attention to the role and actions of religious courts in handling execution cases, assessing debt collateral, and protecting the rights of debtors and creditors in sharia economic cases. The author uses a qualitative method with a normative approach. The analyzes primary data such as the judge's decision and related documents and analyzes secondary data as a source of information which includes literature study. This execution process involves the State Property and Auction Services Office and may face challenges from debtors or third parties. The case study of case Number 2008/Pdt.G/2020/PA.Sbr shows that the execution mechanism for the auction of mortgage rights was carried out outside the Sumber Religious Court, Cirebon Regency, without a court execution order. The judge considers it according to the applicable legal basis. As a result, the Plaintiff's lawsuit was rejected because of the implementation of the auction by Bank BRI Syariah.Tbk Cirebon Branch Office was deemed to be in accordance with the law. Default by the Customer is the main reason for this decision.
Settlement of Litigation and Non-Litigation Disputes in Sharia Economic Cases: A Case Study of The Musyarakah Contract Nurhikmah, Aulia; Madani, Farid; Sunaryo Mukhlas, Oyo
Zona Law And Public Administration Indonesia Vol. 3 No. 4 (2025): July 2025
Publisher : Yayasan Mentari Madani

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Abstract

Disputes can be resolved through litigation (in court) or non-litigation (out of court). Dispute resolution through litigation involves examining disputes before a judge in court. Whether it's public or private disputes, litigation, or court, are the most common dispute resolution methods. As time goes by, people's needs for justice and welfare increase. As a result, dispute resolution through litigation has become less effective. This is considered too long and costs quite a lot. In situations like this, people who seek justice begin to look for other options, namely dispute resolution outside the judicial process, which is called dispute resolution that does not involve litigation, i.e. non-litigation is carried out and the role of mediators. In the aspect of settlement using non-litigation methods for a quick and cheap settlement through the role of mediators in non-litigation dispute resolution through the negotiation stages, mediation, conciliation, and arbitration are some of the methods of resolving disputes outside of court. The discussion of the Musyarakah Contract is a form of financing that is commonly used in Islamic financial institutions. This research uses a normative approach to research to reveal the truth systematically, methodologically, and consistently. This approach has been collected and processed, analyzed and used for constructive purposes during the research process, how effective the role of mediators is in non-litigation dispute resolution
Applying Islamic Economic Law in Productive Zakat Management A Case Study of Amil Zakat Institutions in Indonesia Susandi, Adi; Sunaryo Mukhlas, Oyo
Zona Law And Public Administration Indonesia Vol. 3 No. 4 (2025): July 2025
Publisher : Yayasan Mentari Madani

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Abstract

This study explores the application of Islamic economic law in the management of productive zakat by Amil Zakat Institutions in Indonesia. The research aims to analyze how legal principles derived from Islamic jurisprudence (fiqh muamalah) are implemented in real-world zakat programs designed to empower the poor through sustainable economic activities. Using a qualitative case study method, data were collected from institutional reports, interviews with zakat officers, and documentation of program outcomes. The findings show that while most institutions adhere to core legal frameworks such as DSN-MUI fatwas and national zakat regulations, there remain gaps in contract standardization, post-disbursement supervision, and alignment with maqashid sharia. Some programs emphasize legal compliance but neglect social impact, highlighting a form over substance tendency. The study recommends integrating maqashid sharia principles and participatory development approaches to enhance both the legal validity and socio-economic effectiveness of productive zakat. These insights contribute to the development of sharia-compliant governance and support innovation in Islamic philanthropic management
Implementation of the Qardh Agreement at Bank Syariah Indonesia Tangerang Branch Office Musaiyana; Sunaryo Mukhlas, Oyo
Zona Law And Public Administration Indonesia Vol. 3 No. 4 (2025): July 2025
Publisher : Yayasan Mentari Madani

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Abstract

This study aims to determine the implementation of the Qardh contract in financing at Bank Syariah Indonesia Tangerang Branch Office. The Qardh contract is one of the financial instruments in the sharia economic system which aims to provide loans without compensation or additional to meet the needs of the community. This research method involves document analysis, interviews and observations of the implementation process of the Qardh contract at Bank Syariah Indonesia. The results of this study indicate that the institution implements the Qardh contract well and in accordance with the provisions of the DSN fatwa. However, this study also highlights several challenges and improvements that can be applied to increase efficiency and transparency in the implementation of Qardh to strengthen sharia financial inclusion and the challenges faced in its implementation
Implementation of BWI Regulation Number 1 of 2020 on Productive Waqf Management at the Synergi Foundation Institution Ahmad Ridwansah, Asep; Sunaryo Mukhlas, Oyo
Zona Law And Public Administration Indonesia Vol. 3 No. 4 (2025): July 2025
Publisher : Yayasan Mentari Madani

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Abstract

This study aims to analyze the implementation of Indonesian Waqf Board (BWI) Regulation No. 01 of 2020 concerning the Management of Productive Waqf within the Sinergi Foundation, located in Bandung City. The regulation was issued as an operational guideline for nazhir (waqf managers) to manage waqf assets professionally, productively, and accountably. This research employs a qualitative approach using a case study method. Data collection techniques include observation, in-depth interviews, and document analysis. The findings reveal that the Sinergi Foundation has implemented the principles outlined in the BWI regulation effectively through an established institutional system, a social investment-based management strategy, and the application of transparent and digital-based governance. However, several challenges persist, such as the limited availability of professional human resources in waqf management and the need for more detailed derivative regulations. This study recommends enhancing nazhir capacity, strengthening monitoring systems, and expanding stakeholder collaboration to achieve sustainable and impactful productive waqf management for society
Analysis of Direct Gifts in Opening a Savings Account at Bank Syariah Indonesia in Program Spesial Rezeki Berkah Idul Adha Rosadi, Imron; Sunaryo Mukhlas, Oyo
Zona Law And Public Administration Indonesia Vol. 3 No. 4 (2025): July 2025
Publisher : Yayasan Mentari Madani

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Abstract

This study aims to analyze the suitability of the “Program Spesial Rezeki Berkah Idul Adha” program organized by Bank Syariah Indonesia (BSI) with the provisions of the fatwa of the National Sharia Council – Indonesian Ulema Council (DSN-MUI), especially related to the giving of prizes in fundraising. This program offers prizes in the form of sacrificial animals for customers who open a savings account with a certain placement of funds within a certain period of time. The method used in this study is a normative juridical approach with qualitative analysis, as well as a case study on the implementation of the BSI program. The results of the study show that there are a number of inconsistencies in the program with DSN-MUI fatwas, especially if the prize is promised definitively and is the main condition in the account opening contract, so that it has the potential to violate sharia principles such as the prohibition of riba, gharar, and maysir. However, this program can be declared in accordance with sharia if the prize is given without a prior promise, comes from bank funds, and is not part of the principal contract. This study recommends adjusting the reward mechanism so that promotional programs remain commercially attractive without violating applicable sharia principles
Implementation of DSN-MUI Fatwa No. 123 of 2018: Optimizing the Management of Funds that Should Not Be Recognized as Income in Sharia Financial Institutions Rifai, Ahmad; Sunaryo Mukhlas, Oyo
Zona Law And Public Administration Indonesia Vol. 3 No. 4 (2025): July 2025
Publisher : Yayasan Mentari Madani

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Abstract

This study aims to analyze the implementation of DSN-MUI Fatwa No. 123 of 2018 concerning the optimization of fund management that should not be recognized as income in Islamic financial institutions (LKS). This fatwa is an important instrument in maintaining sharia compliance and preventing the mixing of halal and non-halal funds in the operation of LKS. This study uses a qualitative approach with a case study method in several selected LKS. Data collection techniques were carried out through in-depth interviews, observations, and documentation studies. The results show that most of the LKS have separated and recorded non-revenue funds administratively, but systemic implementation still faces various challenges, such as limited human resources, technological infrastructure, and the absence of uniform technical reporting standards. However, there are optimization efforts through the formation of SOPs, collaboration with Islamic social institutions, and the integration of supervisory functions by DPS. This research shows that the implementation of fatwas not only demands formal compliance, but also requires a sustainable transformation of governance and social accountability. These findings are expected to contribute to strengthening regulations and improving the quality of Islamic financial practices in Indonesia
The Implementation of The Dual Banking System and the Development of Sharia Banking in Indonesia: A Study on Bank Syariah Indonesia (BSI) Husaeni, Firman; Sunaryo Mukhlas, Oyo
Zona Law And Public Administration Indonesia Vol. 3 No. 4 (2025): July 2025
Publisher : Yayasan Mentari Madani

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Abstract

The banking system in Indonesia adopts a dual banking system, namely a conventional banking system and a sharia banking system that run side by side in the same regulation. The implementation of the dual banking system is regulated in Law Number 10 of 1998 concerning Banking and Law Number 21 of 2008 concerning Sharia Banking. The purpose of this system is to provide choices to the public in making transactions according to their preferences, both conventionally and according to sharia principles. However, in its implementation, the dual banking system raises various challenges that have an impact on the development of sharia banking in Indonesia. This study aims to analyze the implementation of the dual banking system on the development of sharia banking in Indonesia with a case study of Bank Syariah Indonesia (BSI). In addition, this study also evaluates the suitability of the implementation of the sharia banking system with Islamic law and the obstacles faced in its implementation. The results of this study are that the implementation of the dual banking system in Indonesia has positive and negative impacts on the development of sharia banking. On the one hand, this system provides flexibility for the public in choosing banking services according to their beliefs. However, on the other hand, this system also makes it difficult for Islamic banks to develop independently and is vulnerable to the influence of the conventional banking system
Corporate Zakat and Shareholders: Conceptual Analysis and Implementation Efendi, Nur; Mukhlas, Oyo Sunaryo; Khosyi'ah, Siah
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 9 No. 2 (2025): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v9i2.5499

Abstract

This This article aims to analyze the conceptual framework of corporate zakat and critically examine its foundations in Islamic law and positive law, as well as the role of shareholders in corporate zakat decision-making. Furthermore, the article also explores the practical challenges in the implementation of corporate zakat in Indonesia.  In Islamic law, corporations are categorized as syakhshiyyah i’tibariyyah (legal persons), making them subject to zakat obligations similar to individuals. In Indonesia, various legal instruments formally recognize corporate zakat; however, implementation faces challenges such as low compliance, ineffective regulation, and limited shareholder participation. This study employs a normative qualitative approach, focusing on the examination of positive legal norms and Sharia values. The research is conducted through library research by reviewing contemporary fiqh literature, national legal documents, and corporate zakat practices in Indonesia. The collected data were then analyzed for their relevance and alignment with actual practices in the field, followed by evaluation and conclusion based on the results of the analysis. The findings highlight the need to enhance zakat literacy among shareholders, institutionalize zakat within corporate governance structures, and develop supportive public policy. The article recommends literacy campaigns, regulatory harmonization, and the integration of zakat into ESG frameworks as systemic strategies. It also calls for further research on zakat's role in value driven corporate governance transformation.
FORCE MAJEURE IN SHARIA AGREEMENTS: CRITICAL REFLECTIONS ON CUSTOMER LEGAL PROTECTION IN THE MIDST OF PUBLIC POLICY CHANGES Arifin, Desi Siti Habibah; Mukhlas, Oyo Sunaryo
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1302

Abstract

This article aims to critically analyse the application of force majeure in sharia contracts, particularly in the context of economic disputes resulting from public policies. By exploring the court decisions in this case, this study seeks to identify weaknesses in the sharia legal protection system and offer solutions to strengthen justice for the parties involved. The research method used is a qualitative approach with normative juridical research design and case-based analysis. This study aims to analyse in depth the application of force majeure clauses in sharia contracts, particularly in the dispute between PT Lissa Sejahtera Mandiri and Bank Nagari Syariah, by linking it to the legal protection of customers in the context of public policy changes. This case underscores the need for better synergy between sharia principles, contract implementation, and public policies that often become external obstacles. Courts are expected to not only focus on the formality of the agreement, but also consider the substance of justice in accordance with sharia principles.
Co-Authors A. Rio Makkulau Wahyu Abbas, Suwarto Abdillah, Yudi Khoeri Abdul Halim, Halmi Abdulah Pakarti, Muhammad Husni Abdullah, Fadli Daud Aden Rosadi Adila, Hafidah Ulya Adillah, Erika Rishan Ahmad Ibrizul Izzi Ahmad Ridwan Ahmad Ridwansah, Asep Ahmad Rifai ahmad yani Ahsin, Moh Ahsin, Mohammad Akbar Muhamad Ashoni Al'auf, Salfin Abdul Rahman Alamsyah - Alex Kusmardani Alex Kusmardani Aliyya Shauma Raffi’u Almurni, Muhammad Furqon Amany, Amany Aminuyati Andi, Dede Apriyanita, Triana Arif Zakaria, Mohd Radhuan Arifin, Desi Siti Habibah Asnan Purba Asrianti Sukirman Asrofi Atang Abd Hakim Atang Abd Hakim Atang Abd Hakim Atang Abd Hakim, Atang Atang Abd. Hakim Ayi Yunus Rusyana Basarudin, Basarudin Beni Ahmad Saebani Beni Ahmad Saebani Burhanuddin Burhanuddin Burhanuddin Burhanuddin Burnahnuddin Cahyani, Putri Tri Chaerul Shaleh, Chaerul Dea Rodiah Luthfy Dede Abdurohman Dede Abdurohman, Dede Deden Najmudin Dwi Widiastuti Dwi Widiastuti, Dwi Eko Budiono Elly Lestari Ending Solehudin Ending Solehudin Erfan Shofari Sholahuddin Erika Rishan Adillah Fadila, Salma Nurul fadillah mursid Fahadil Amin Al Hasan Fakhry Fadhil Fauzan Ali Rasyid Fauziah, Ine Fu’ad, Asep Gojali, Dudang Gozaly, Ahmad Yusdi H. Hamzah Hadiat, Hadiat Hakim, Atang Abd Hakim, Atang Abd Hakim, Atang Abd. Hakim, Atang Abdul Halim, Andri Hasanudin Hasanudin Heris Suhendar Hibaturohman, Iib Hisam Ahyani Husaeni, Firman Husain Husain Idawati Ikbal, Muchamad Imam Sucipto Imam Sucipto Imron Rosadi Ine Fauzia Irawan, Tantri Ishandawi , Ishandawi Isnayati Nur Jamaludin , Jujun Jefik Zulfikar Hafizd Jubaedah, Dedah Judijanto, Loso Khaeruman, Badri Khoirul Fahmi, Imam Khosyi'ah, Siah Khosyiah, Siah Khosyiah, Siah Khosyiah, Si’ah Khosyi’ah, Siah Khosyi’ah, Siah Luthfy, Dea Rodiah Madani, Farid Mia Amanatul Fitriyah Moh Ahsin Moh. Asep Zakariya Ansori Mohamad Sar’an Mualim Mualim, Mualim Mubarok Mubarok Muchlis Muchlis Muhammad Fajri Muhammad Fajri Muhammad Furqon Almurni Muhammad Husni Abdulah Pakarti Muhammad Husni Abdulah Pakarti Muhammad Tsaqib Idary Muharir, Muharir Muhsin Mulyadi, Kiking Musaiyana Musaiyana, Musaiyana Mustofa Mustofa Mustofa Mustofa Nasrudin Nazar, Reza Fauzi Neonbeni, Randy Vallentino Noor Silmi Sudrajat, Ajeung Syilva Syara Noradin, Muhammad Farhan Bin Mat NUR EFENDI Nurhikmah, Aulia Nurrohman Nurrohman Nurrohman Nursari, Nina Nursyamsudin, Nursyamsudin Nurul Ilyana Muhd Adnan Opik Rozikin Padilah, Padlan Padlan Padilah Pian, Happy R. Ira Laksana Dewi Ramdani Wahyu Sururie Ramdani Wahyu Sururie Ratnasari, Aireni Restu Khaliq Restu Khaliq, Restu Ridwan, Ahmad Hasaan Ridwan, Ahmad Hasan Rita Erawati, Raden Rara Ritonga, Bakti Rohmad Nurhuda Roni Nasrulloh Royani Rozikin, Opik Saebani, Beni Ahmad Saebeni, Beni Ahmad Saepullah, Usep Salbiah, Siti Samsudin, Agus Rojak Sar’an, Mohamad Septiayu Restu Wulandari Shauma Raffi’u, Aliyya Shiddiq, Muhammad Nur Sholahuddin, Erfan Shofari Si'ah Khosyiah Siah Khosyi'ah Siah Khosyi'ah Siah Khosyiah Siah Khosyi’ah Sifa Mulya Nurani Sistyawan, Dwanda Julisa Sitti Mashitah Tualeka Sucipto, Imam Sukirman, Asrianti Sulthonuddin, Bung Hijaj Surasa, Ais Sururi, Ramdani Wahyu Susandi, Adi Tajul Arifin Tajul Arifin Tamba, Dheddy Abdi TB Rifat Usep Saepullah Wahyudi Wahyudi Wahyudi Wahyudi WIRANI AISYAH ANWAR, WIRANI AISYAH Yasardin, Yasardin Yusup Sobirin Ziaharah, Lena Ishelmiany • Burhanuddin