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Tinjauan Prinsip Syariah Produk Uang Elektronik di Indonesia: Studi Kasus Pada Produk E-Money Bank Syariah Mandiri Nurhasanah Nurhasanah; Agung Maulana; Aris Rusdiyanto
Jurnal Ilmiah Ekonomi Islam Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021
Publisher : ITB AAS INDONESIA Surakarta

The issue raised in this research is to discuss an evaluation of the sharia principles of electronic money (called E-Money) product owned by Bank Syariah Mandiri towards the operational mechanisms encompass transaction, flow, contract and managerial aspects of this product. This study aims to analyze E-Money product from a sharia perspective using the benchmark of fiqh muamalat which has been contained in the DSN-MUI fatwa, and related laws and regulations. The method used in this research is descriptive qualitative research. By using the method of content analysis and using interviews, involved observation, this research uses documentation study as the data collection technique. The conclusion from the writing of this thesis is that from a review of sharia principles, there are sharia problems in the aspect of the contract, this is because this product does not have a contract nomenclature in product operations that creates ambiguity (Gharar), as well as from the transaction aspect because the bank does not restrict or control goods which are sold by merchants in collaboration with banks, so it is feared that they can be used to buy non-halal goods.

Kecenderungan Masyarakat Memilih Lembaga Penyelesaian Sengketa Ekonomi Syariah. Nurhasanah Nurhasanah; Hotnidah Nasution
AHKAM : Jurnal Ilmu Syariah Vol 16, No 2 (2016)
Publisher : Universitas Islam Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ajis.v16i2.4457

The People’s Choice in The Completion of Sharia Economic Dispute. Background research is the fact that lack of sharia economic cases filed and decided by the institution of litigation and non-litigation. This research is exploratory research that uses a qualitative approach to explore facts sharia law in an economic context. Data in the form of a questionnaire/questionnaire is processed only to describe the percentage of sharia economic community propensity choose dispute resolution institutions. This description is preliminary data that drove researchers to explore the points required questions in the interview. Mismatch between quantitative data processed by the facts on the ground shows that people choose a wide selection of sharia economy in resolving disputes.DOI: 10.15408/ajis.v16i2.4457

ASPEK HUKUM KOPERASI SEBAGAI PAYUNG HUKUM BMT DI INDONESIA Nurhasanah Nurhasanah
Kordinat: Jurnal Komunikasi antar Perguruan Tinggi Agama Islam Vol 15, No 2 (2016): Jurnal Komunikasi Antar Perguruan Tinggi Agama Islam
Publisher : Kopertais Wilayah I DKI Jakarta dan Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/kordinat.v15i2.6336

Aspek Hukum Koperasi sebagai Payung Huku BMT di Indonesia. BMT dapat menjalankan fungsi sebagai lembaga sosial dengan penamaan Baitul Mal dan lembaga bisnis dengan penamaan Baitu Tamwil. Sebagai Lembaga Sosial tentu saja Baitul Mal memiliki kesamaan fungsi dan peran dengan Lembaga Amil Zakat (LAZ) yang bekerja secara profesional dalam mengumpulkan zakat, Infak, sedekah, wakaf dan dana-dana sosial lainnya serta mendistribusikan zakat kepada ashabiah sesuai dengan aturan perundang-undangan sebagaimana yang diatur oleh UU No. 23 Tahun 2011 tentang Pengelolaan Zakat sebagai pengganti UU No 38 Tahun 1999 tentang Pengelolaan Zakat. Disis lain, untuk menjalankan fungsi sebagai Baitu Tamwi, BMT dapat mengembangkan usahanya di sektor keuangan yaitu simpan pinjam, sebagaimana layaknya perbankan dalam menghimpun dana dari anggota dan calon anggota dan menyalurkannya ke sektor ekonomi halal dan menguntungkanTahun 2012 tentang Perkoperasian sebagai pengganti UU No. 25 Tahun 1992 tentang perkoperasian. Dalam situasi yang serba tidak menentu itu pula lah, BMT sebagai lembaga keuangan mikro Syariah yang berbadan hukum koperasi tentu juga melakukan penyesuaian-penyesuaian atas terjadinya perubahan-perubahan atas regulasi tersebut

Sharia Supervisory Board in Limited Company-Based Sharia Banks Nurhasanah Nurhasanah
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 14, No 2 (2022)
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v14i2.26190

This paper aims to examine the function of the Sharia Supervisory Board (SSB) due to the inconsistency of laws and regulations concerning this body. Law No. 21 of 2008 on Sharia Banking has required every Sharia Bank and Sharia Business Unit in the Banks to form an SSB. However, Law No. 40 of 2007 on Limited Liability Companies has not regulated the SSB as a corporate organ. This paper analyzes laws and regulations on the SSB and court decisions on cases resulting from legal inconsistencies, with the organizational structure and fiduciary duty theories as analytical frameworks. This study finds out that legal ambiguity results in the absence of coordination between the SSB and other bodies in the organization. Thus, this prevents the SSB from optimally carrying out its functions and roles. Among the consequences is the inability to ensure sharia compliance in business contracts leading to lawsuits to cancel the contracts.

Regulation and Supervision: Measuring the Effectiveness of Supervision for Baitul Māl wa Tamwil Rifa Berliana Arifin; JM Muslimin; Nurhasanah Nurhasanah
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 1 (2023)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i1.11450

Law Number 25 of 1992 concerning Cooperatives places the supervision of BMT under the Ministry of Cooperatives and SMEs. Meanwhile, Law Number 1 of 2013 concerning Microfinance Institutions mandates that the supervisory function of BMTs is under the supervision of the OJK. The two supervisory regulations give rise to a dualism of supervision which results in the emergence of dualism of supervisory regulations in the operation of BMT. This research uses normative research with analytical descriptive research methods and law content analysis equipped with structured interview guidelines. The data used are in the form of laws and regulations related to supervision and data from research objects in West Java, namely BMT Amanah Syariah, BMT Talaga and BMT Ibaadurrahman. The results of this study indicate that there is a supervisory dualism that has an impact on the emergence of disharmony in the supervision regulation in the operation of BMT in West Java. The factors that cause disharmony in supervisory regulations are that there are two basic legal references related to supervision, the legal substance in the supervisory regulations is not in accordance with the characteristics of the BMT, the implementation of supervisory regulations is not optimal and there is no regulation that regulates the legality of BMT. These factors have legal consequences in the form of disharmony of supervisory law on the operationalization of BMT which has a negative impact on the mechanism of establishment, operation, accountability, and reporting by BMT to each supervisory agency. The factors that cause disharmony in supervisory regulations are that there are two basic legal references related to supervision, the legal substance in the supervisory regulations is not in accordance with the characteristics of the BMT, the implementation of supervisory regulations is not optimal and there is no regulation that regulates the legality of BMT.Keywords: Dualism, BMT, Supervision, Cooperatives and MFIs.

Regulation and Supervision: Measuring the Effectiveness of Supervision for Baitul MÄl wa Tamwil Rifa Berliana Arifin; JM Muslimin; Nurhasanah Nurhasanah
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 15, No 1 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i1.11450

Law Number 25 of 1992 concerning Cooperatives places the supervision of BMT under the Ministry of Cooperatives and SMEs. Meanwhile, Law Number 1 of 2013 concerning Microfinance Institutions mandates that the supervisory function of BMTs is under the supervision of the OJK. The two supervisory regulations give rise to a dualism of supervision which results in the emergence of dualism of supervisory regulations in the operation of BMT. This research uses normative research with analytical descriptive research methods and law content analysis equipped with structured interview guidelines. The data used are in the form of laws and regulations related to supervision and data from research objects in West Java, namely BMT Amanah Syariah, BMT Talaga and BMT Ibaadurrahman. The results of this study indicate that there is a supervisory dualism that has an impact on the emergence of disharmony in the supervision regulation in the operation of BMT in West Java. The factors that cause disharmony in supervisory regulations are that there are two basic legal references related to supervision, the legal substance in the supervisory regulations is not in accordance with the characteristics of the BMT, the implementation of supervisory regulations is not optimal and there is no regulation that regulates the legality of BMT. These factors have legal consequences in the form of disharmony of supervisory law on the operationalization of BMT which has a negative impact on the mechanism of establishment, operation, accountability, and reporting by BMT to each supervisory agency. The factors that cause disharmony in supervisory regulations are that there are two basic legal references related to supervision, the legal substance in the supervisory regulations is not in accordance with the characteristics of the BMT, the implementation of supervisory regulations is not optimal and there is no regulation that regulates the legality of BMT.Keywords: Dualism, BMT, Supervision, Cooperatives and MFIs.

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