Articles
<![CDATA[Dialectics of Sharia Fintech Peer to Peer Lending: Opportunities and Challenges ]]>
<![CDATA[Wardah Yuspin]]>;
<![CDATA[Muhammad Edi Hermawan]]>
<![CDATA[ Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 1 (2022): Budapest International Research and Critics Institute February ]]>
Publisher : <![CDATA[Budapest International Research and Critics University ]]>
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DOI: 10.33258/birci.v5i1.4214
<![CDATA[The purpose of this study is to find out some of the dialectical or problematic regulations of sharia-based peer to peer lending financial technology in Indonesia. The discussion in particular, this study explores the problems that arise related to the regulations used in Islamic peer to peer lending fintech which are regulated using the Financial Services Authority Regulation (POJK) Number 77 of 2016 concerning Information Technology-Based Lending and Borrowing Services. In addition, this study will also discuss the urgency behind the importance of establishing sharia-based fintech peer to peer lending regulations as well as ideas about content material that should be included in the formation of special regulations regarding sharia peer to peer lending fintech. This research is a library research through a statute approach. This research uses data collection method in the form of literature study. Through literature study, researchers collect documents and data to be processed using content analysis method. The results of this study indicate that in the regulation of sharia peer to peer lending fintech there are several problems related to the regulations used, the first is that POJK Number 77 of 2016 which is used to regulate sharia peer to peer lending fintech has more connotations of conventional peer to peer lending fintech , so that there is confusion in terms of separating the rules of conventional peer to peer lending from sharia peer to peer lending, Second, the emergence of legal uncertainty because currently sharia peer to peer lending fintech must comply with POJK rules Number 77 of 2016 and the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN MUI Fatwa) Number 117 of 2018. Even though the fatwa should not be a statutory regulation that used to regulate because fatwas are not included in the hierarchy of laws and regulations according to Law Number 12 of 2011 concerning the Establishment of Legislations. Third, there is no regulation regarding the Sharia Supervisory Board in charge of supervising sharia compliance and is closely related to consumer protection, and fourth, POJK Number 11 of 2016 has not regulated in detail the dispute resolution mechanism]]>
<![CDATA[Analisis Risiko Gagal Bayar oleh Peminjam pada Fintech Syariah ]]>
<![CDATA[Berlian Ramadhany Ayuningtyas]]>;
<![CDATA[Wardah Yuspin]]>;
<![CDATA[Indah Maulani]]>;
<![CDATA[Septarina Budiwati]]>
<![CDATA[ Jurnal Hukum Ekonomi Islam Vol. 4 No. 1 (2020): Jurnal Hukum Ekonomi Islam (JHEI) ]]>
Publisher : <![CDATA[Asosiasi Pengajar dan Peneliti Hukum Ekonomi Islam Indonesia (APPHEISI) ]]>
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<![CDATA[Fintech companies that have recently grown rapidly in Indonesia, besides bringing various conveniences for their users, also have risks that need to be understood. One of the risks that can occur is default. Therefore, it is necessary to understand how to resolve this risk. The formulation of this research problem discusses how the risks that occur in Islamic fintech and how to solve the risk of default by borrowers in Islamic fintech. This study aims to describe the settlement of the risk of default by borrowers in Islamic fintech based on a qualitative non-doctrinal approach. Therefore, this study focuses on primary data collected by interview and observation which is supported by secondary data collected by literature study. The results of the study indicate that there is a risk of default, the settlement mechanism has been determined by OJK.Keywords: Fintech; Risk; Failed to Pay.AbstrakPerusahaan fintech yang belakangan berkembang pesat di Indonesia disamping membawa berbagai kemudahan bagi penggunanya juga memiliki risiko- risiko yang perlu dipahami. Salah satu risiko yang dapat terjadi adalah wanprestasi. Oleh karena itu perlu dipahami pula bagaimana penyelesaian jika terjadi risiko tersebut. Rumusan masalah penelitian ini membahas mengenai bagaimana risiko yang terjadi pada fintech syariah dan bagaimana penyelesaian terhadap risiko gagal bayar oleh peminjam pada fintech syariah. Penelitian ini bertujuan untuk mendiskripsikan penyelesaian terhadap risiko gagal bayar oleh peminjam pada fintech syariah dengan mendasarkan pada metode pendekatan non doktrinal kualitatif. Oleh karena itu dalam penelitian ini lebih mengutamakan pada data primer yang dikumpulkan dengan wawancara dan observasi yang didukung dengan data skunder yang dikumpulkan dengan studi kepustakaan. Hasil penelitian menunjukkan bahwa terdapat risiko wanprestasi yang mekanisme penyelesaiannya telah di tetapkan oleh OJK.Kata kunci: Fintech; Risiko; Gagal Bayar]]>
<![CDATA[Policies for Overcoming The Environmental Damage Due to Forest Conversion in Bima, West Nusa Tenggara ]]>
<![CDATA[Didik Irawansah]]>;
<![CDATA[Absori Absori]]>;
<![CDATA[Wardah Yuspin]]>
<![CDATA[ Jurnal Hukum Volkgeist Vol. 7 No. 1 (2022): DECEMBER ]]>
Publisher : <![CDATA[Lembaga Penelitian dan Pengabdian Masyarakat ]]>
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DOI: 10.35326/volkgeist.v7i1.2746
<![CDATA[Environmental damage caused by forest conversion in Bima was quite worrying, the impacts were quite diverse. preliminary observations found that Bima Regional Forests were mostly critical because of conversion. On the other hand, there were no visible signs for stopping the natural disasters. Research Objectives: first; to describe an environmental damage of forest conversion; second; to describe policies on overcoming environmental damage and concepts in tackling the sustainable development. Research method were qualitative analysis. The results of this study, environmental damage in Bima were caused by illegal logging, forest encroachment, land conversion by farmers. The factors are due to economic demands, lack of public awareness, lack of socialization from the government, in overcoming prevention and enforcement, in terms of policies carried out by: 1) Mitigation, especially in residential areas, 2) Reforestation; 3) tracing or installation of supporting stones in deforested areas; 4) socialization and guidance, by calling the community to be educated and given knowledge about forest utilization and sustainability, 5) distributing circulars, 6) spraying plants planted on forest land that is functioned.]]>
<![CDATA[KESIAPAN UNIT USAHA SYARIAH TERHADAP REGULASI SPIN-OFF: MENCERMATI TANTANGAN DAN PELUANG DI ERA KAPITALISASI PERBANKAN SYARIAH ]]>
<![CDATA[Wardah Yuspin]]>;
<![CDATA[Harun]]>;
<![CDATA[Mutimatun Ni'ami]]>;
<![CDATA[Syaifuddin Zuhdi]]>
<![CDATA[ Jurnal ADAM : Jurnal Pengabdian Masyarakat Vol 2 No 1 (2023): Vol. 2 No. 1 Edisi Februari 2023 ]]>
Publisher : <![CDATA[Institut Pendidikan Tapanuli Selatan ]]>
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DOI: 10.37081/adam.v2i1.1273
<![CDATA[Pengaturan mengenai Perbankan syariah diperkuat dengan dikeluarkan UU No. 21 Tahun 2008 mengenai Perbankan Syariah. Pada pasal 68 UU ini terkandung pengaturan mengenai kapitalisasi perbankan syariah. Pasal ini menyatakan bahwa UUS yang sudah memiliki modal sebesar 50% atau telah beroperasi selama 15 tahun sejak disahkannya UU ini maka diharuskan untuk melakukan pemisahan/spin-off unit syariahnya tersebut. Tenggat waktu pelaksanaan pasal tersebut tinggal maksimal 2 tahun lagi, dimana terdapat sanksi berupa sanksi administratif maupun penutupan unit apabila tidak dapat memenuhi deadline tersebut. Mandat dari Pasal tersebut berpotensi menimbulkan masalah apabila UUS yang hendak dipisahkan tersebut ternyata belum mampu secara permodalan dan juga infrastruktur untuk dipisah dari bank induknya. Karena struktur organisasi dari UUS ini menjadi berbeda karena pada awalnya hanya merupakan sebuah unit dari perbankan konvensional. Sehingga secara organisatoris merupakan sebuah divisi dimana segala bentuk sistem organisasi masih didukung oleh bank induknya. Mandat pasal ini banyak mendapat tantangan dari pelaku industri perbankan syariah yang merasa belum siap untuk melakukan spin-off. Untuk itu penelitian ini berusaha untuk mencari suatu solusi legal supaya mandat pasal 68 tersebut dapat berubah menjadi corporate action. Solusi ini tetap menjadikan spin-off sebagai suatu keharusan akan tetapi bukan sebagai mandat UU tapi corporate action sehingga pemberlakuannya tidak dibatasi waktu pembatasan bisa dilakukan dengan analisa modal dari UUS sebesar 50% modal bank induknya.]]>
<![CDATA[Menggagas Pendirian Bank Digital di Indonesia: Sebuah Telaah Yuridis ]]>
<![CDATA[Danang Kurniawan]]>;
<![CDATA[Wardah Yuspin]]>
<![CDATA[ Jurnal Supremasi Volume 13 Nomor 1 Tahun 2023 ]]>
Publisher : <![CDATA[Universitas Islam Balitar, Blitar ]]>
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DOI: 10.35457/supremasi.v13i1.2158
<![CDATA[In the industrial era 4.0 as it is today, the ease and speed of getting things are highly sought after, including the ease and speed of getting financial services. The convenience of banking services is an advantage for consumers in choosing the services provided at the bank. This is what banks do to form services from conventional banks to open digital services. However, from a juridical aspect, in Indonesia there is no specific regulation governing digital banks. As a country that adheres to the civil law system, it has become a real consequence that all applicable laws must be codified and regulated in accordance with applicable laws. Problems arise when digital banks operate but there is no legal basis that specifically regulates dealing with it. Through normative juridical methods, research results showed that there are no specific rules governing digital banks in the form of laws in Indonesia, so a special rule is needed regarding digital banks because there are significant differences from conventional banks.]]>
<![CDATA[Legal Reconstruction of Indonesian Banking Laws: Challenges and Opportunities for Digital Bank Regulation ]]>
<![CDATA[Wardah Yuspin]]>;
<![CDATA[Anindhita Nurfaatin Sukirman]]>;
<![CDATA[Arief Budiono]]>;
<![CDATA[Jompon Pitaksantayothin]]>;
<![CDATA[Ata Fauzie]]>
<![CDATA[ Varia Justicia Vol 19 No 1 (2023): Vol 19 No.1 (2023) ]]>
Publisher : <![CDATA[Fakultas Hukum Universitas Muhammadiyah Magelang ]]>
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DOI: 10.31603/variajusticia.v19i1.8019
<![CDATA[Digital banks in Indonesia are growing rapidly. This phenomenon has given rise to legal disharmony in laws and regulations, considering that banks are institutions with many regulations (fully regulated). Legal disharmony occurs because of the many weaknesses in the current banking regulations, which still focus on the Banking Laws. Law Number 10 of 1998 concerning banking was formed specifically to regulate conventional banking transactions, while the concept of digital banks in its implementation utilizes technology. This difference creates a gap leading to a legal vacuum. By interpreting the articles of Law Number 10 of 1998 concerning banking using a textual approach (focusing on text), this study unveiled that, as the basis for regulating digital banks, this law was still extremely low, limited and no longer compatible with the development of digital banks. Therefore, it is necessary to establish regulations for digital banks to provide legal protection to realize the legal goal of creating justice and legal certainty for the current and future development of the digital banking industry.]]>
<![CDATA[Increasing Community Legal Awareness Through Registration of Land Ownership Rights for the Cangkol Village Community ]]>
<![CDATA[Wardah Yuspin]]>;
<![CDATA[Syaifuddin Zuhdi]]>;
<![CDATA[Andria Luhur Prakoso]]>;
<![CDATA[Fafta Aini Putriana]]>;
<![CDATA[Amanda Putri Ariyani]]>
<![CDATA[ Jurnal Pengabdian Masyarakat Bestari Vol. 2 No. 9 (2023): September 2023 ]]>
Publisher : <![CDATA[PT FORMOSA CENDEKIA GLOBAL ]]>
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DOI: 10.55927/jpmb.v2i9.5608
<![CDATA[Land registration is an important thing that must be done so that legal certainty and legal guarantees can be realized immediately. In this case, the purpose of this dedication is so that the people of Cangkol Village can understand and understand how vital land registration is. The method used in this service is to conduct legal counseling for the people of Cangkol Village and follow up with legal consultations. The service results are increasing legal awareness among the people of Cangkol Village, most of whom have understood and understand the importance of registering their land to protect their rights. The success of this service is that almost all the land in Cengkol Village has been registered and certified.]]>
<![CDATA[THE CORPORATE SPIN-OFF: An Examination of Islamic Banking Legal and Regulatory Framework ]]>
<![CDATA[Wardah Yuspin]]>;
<![CDATA[Baskoro Tri Pamungkas]]>;
<![CDATA[Kelik Wardiono]]>;
<![CDATA[Mutimatun Ni'ami]]>;
<![CDATA[Syaifuddin Zuhdi]]>
<![CDATA[ Jurisdictie: Jurnal Hukum dan Syariah Vol 14, No 1 (2023): Jurisdictie ]]>
Publisher : <![CDATA[Fakultas Syariah ]]>
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DOI: 10.18860/j.v14i1.20586
<![CDATA[This paper aims to instigate the implementation of Article 68 of the Islamic Banking Act, which obliges Islamic divisions to be separated from their parent banks. This study attempted to reveal a legal solution so that the obligations can be turned into a corporate action. The argument presented by a critical review approach based on a literature review using secondary data. The solution still considers spin-offs a necessity, not a mandate. It is supposed to be considered a corporate action that its implemented based on readiness so the article needs to be amended. This paper proposes changes to the article on spin-offs for the development of Islamic Banking in Indonesia with practical benefits. Alternative changes can be completed in three ways: first, by issuing Financial Services Authority Regulation (FSAR), which makes the spin-off a corporate action. This method is unconstitutional because FSAR is structurally under the Constitution. The second alternative is done by submitting a judicial review of Article 68 to the Constitutional Court. Finally, the third is by enacting the omnibus law of Islamic economics. Those three options have both advantages and disadvantages. Thus, it is necessary to further find out which solution is most prospective for advancing Islamic banking.Artikel ini bertujuan untuk mendorong penerapan Pasal 68 Undang-Undang Perbankan Syariah yang mewajibkan divisi syariah dipisahkan dari bank induknya. Kajian ini mencoba mengungkap solusi hukum agar kewajiban tersebut dapat berubah menjadi aksi korporasi. Argumen yang disajikan menggunakan pendekatan Solusinya tetap menganggap spin off sebagai kebutuhan, bukan sebagai mandat. Hal ini seharusnya dianggap sebagai corporate action yang pelaksanaannya berdasarkan kesiapan sehingga pasal tersebut perlu diubah. Makalah ini mengusulkan perubahan pasal spin-off untuk perkembangan perbankan syariah di Indonesia dengan manfaat praktis. Alternatif perubahan bisa dilakukan dengan tiga cara, pertama dengan menerbitkan Peraturan Otoritas Jasa Keuangan (POJK) yang menjadikan spin off sebagai corporate action. Cara ini inkonstitusional karena POJK secara struktural berada di bawah konstitusi. Alternatif kedua dilakukan dengan mengajukan uji materi pasal 68 ke Mahkamah Konstitusi. Terakhir, yang ketiga adalah dengan pengundangan omnibus law ekonomi syariah. Ketiga pilihan tersebut memiliki kelebihan dan kekurangan. Untuk itu perlu dikaji lebih lanjut solusi mana yang paling prospektif untuk memajukan perbankan syariah.]]>
<![CDATA[Cyber Indoctrination Victims in Indonesia and Uzbekistan: Victim Protection and Indoctrination in Practice ]]>
<![CDATA[Arief Budiono]]>;
<![CDATA[Absori Absori]]>;
<![CDATA[Kelik Wardiono]]>;
<![CDATA[Wardah Yuspin]]>;
<![CDATA[Said Saidakhrarovich Gulyamov]]>
<![CDATA[ Journal of Human Rights, Culture and Legal System Vol 3, No 3 (2023): Journal of Human Rights, Culture and Legal System ]]>
Publisher : <![CDATA[Lembaga Contrarius Indonesia ]]>
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DOI: 10.53955/jhcls.v3i3.127
<![CDATA[Terrorism has become a global phenomenon, affecting not only those hurt or killed by acts of terrorism but also involving women as significant contributors to indoctrination worldwide, including in Indonesia and Uzbekistan. This research aims to explain the evolving roles of women in terrorism in Indonesia and Uzbekistan and how terrorists use cyber indoctrination to target women in these countries. The research was conducted in Indonesia and Uzbekistan using the classical-normative dogmatic juridical method with a library-based approach. Cyber indoctrination has proven highly effective in persuading women to join and take initiative in acts of terror. Women who become involved in terrorism due to exposure to pseudo-religious ideologies through cyber indoctrination have human rights and should be legally protected as victims of cyber indoctrination by terror groups. This article contributes to the recognition of women's rights as victims of cyber indoctrination and sheds light on the changing role of women in terrorism. It aims to raise awareness among society, governments, law enforcement agencies, and religious leaders about the strategies of pseudo-religious cyber indoctrination employed by terrorists. It encourages them to take preventive and repressive actions to combat terrorism and safeguard women from its allure.]]>
<![CDATA[Juridical Review of Legal Relations in Child Care Agreements (Study at The Orphanage Orphaned Daughter Aisyiyah Grogol Sukoharjo) ]]>
<![CDATA[Septarina Budiwati]]>;
<![CDATA[Ameilia Annisa Salsabila]]>;
<![CDATA[Wardah Yuspin]]>
<![CDATA[ Law and Justice Vol. 7 No. 2 (2022): Law and Justice ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surakarta ]]>
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DOI: 10.23917/laj.v7i2.1539
<![CDATA[Along with the development of the era of human life, the birth rate of children is increasing rapidly. Children as creatures of God Almighty have the right to life and independence and to protection from parents, families, communities, and the state. The rapid development and increase in human civilization have an impact on the higher life of fulfilling services. In this case, the orphanage acts as a social welfare institution that has the responsibility of providing services to neglected children, as well as providing substitute services or child care in fulfilling their needs. Where this supports the birth of a child care agreement. One example is the child care agreement at the Aisyiyah Women's Orphanage Grogol Sukoharjo. The purpose of this study was to determine the form and content of the child care agreement at the Aisyiyah Grogol Sukoharjo Orphanage and to determine the legal relationship in the child care agreement at the Aisyiyah Grogol Sukoharjo Orphanage. The method used in this research is normative juridical method. The results showed that the form of the child care agreement at Aisyiyah Grogol Sukoharjo Orphanage is a written agreement and the contents of the agreement are also in accordance with Article 1338 of the Civil Code regarding the principle of freedom of contract and also in accordance with Article 1320 paragraph (1) of the Civil Code regarding the principle of consensualism. Furthermore, the legal relationship in this agreement is in accordance with Article 1338 paragraph (1) of the Civil Code regarding the principle of pacta sun servanda, in accordance with Article 1338 paragraph (2) and (3) of the Civil Code, and the rights and obligations arising in the agreement are in accordance with Law Number 4 of 1979 concerning Child Welfare and also QS Al Anam verse 151, Al Baqarah verse 233, At Tahrim verse 6.]]>
