Noor Kholifah Hidayati
Fakultas Hukum - Universitas Diponegoro

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Hybrid Contract in Sharia Insurance Practices in Indonesia Noor Kholifah Hidayati; Ro'fah Setyowati; Maulidia Mulyani
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (376.959 KB) | DOI: 10.29040/jiei.v7i3.3293

Abstract

The hybrid contract is a combination of several contracts. It exists due to the increasingly complex demands of human needs in contemporary times. However, its validity according to the Shari'a is still in doubt caused by a hadith of the Prophet that forbids the practice of two (or more) contracts if they are carried out in one transaction. In Indonesia, the hybrid contract is practiced in various transactions, one of which is the practice of sharia insurance. This causes the validity of the practice of sharia insurance to be questioned again. So the purpose of this research is to answer the problem: What is meant by hybrid contract and insurance? How is the hybrid contract mechanism in sharia insurance in Indonesia? How is the hybrid contract law in sharia insurance in Indonesia according to the 5 limits of the Al-Imrani contract?. This study uses a qualitative method with a deductive-inductive model. This library research includes analytical descriptive. The results of this study indicate that hybrid contracts in sharia insurance in Indonesia do not violate the hybrid contract restrictions that are prohibited by sharia according to Al-Imrani. So that the practice is legal by Sharia and the fatwa of DSN-MUI.
Peran Dewan Pengawas Syariah (DPS) Dan Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) Dalam Pengembangan Industri Wisata Halal Indonesia Noor Kholifah Hidayati; Ro'fah Setyowati; Ninik Zakiyah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 3 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (477.525 KB) | DOI: 10.30651/jms.v6i3.7585

Abstract

AbstractThe synergy of DPS and DSN-MUI as a determinant of the implementation of Islamic principles in the financial sector greatly influences the development of sharia economic law in Indonesia. Sharia Economic Law such as the fatwa product from the DSN-MUI should be able to become a legal umbrella for the financial sector and the real sharia sector in Indonesia, but in fact the influence given by the fatwa and its regulators, namely the DSN-MUI and DPS in the real and financial sectors is still deemed not balanced. This paper uses a normative-juridical method with a historical approach, a conceptual approach and a law approach, and uses a qualitative juridical analysis method. The results show that, first, the role of DSN-MUI as an external supervisor and DPS as an internal supervisor has a major influence on sharia compliance in the financial sector. Second, the dominance of the touch of DSN-MUI and DPS only exists in the Islamic finance sector, while the real sector has not been closely monitored by DPS. Third, the real sector of the halal tourism industry that is labeled with sharia still does not meet the sharia compliance principles specified in the DSN-MUI fatwa. This study is important considering the fact that the role of the DSN-MUI in issuing fatwas on new sharia products and supervision of DPS in the real sector must be carried out immediately because the real sector in the sharia industry has developed a lot and can reduce the level of trust of the sharia economy community if it is not accompanied by proper guidelines and supervision. optimal.Keywords: DSN-MUI; DPS; halal tourism; financial sector; real sectorAbstrakSinergitas DPS dan DSN-MUI sebagai penentu implementasi prinsip Islam pada sektor keuangan sangat mempengaruhi perkembangan hukum ekonomi syariah di Indonesia. Hukum Ekonomi Syariah seperti produk fatwa dari DSN-MUI mestinya dapat menjadi payung hukum bagi sektor keuangan dan sektor riil syariah di Indonesia, namun faktanya pengaruh yang diberikan dari fatwa tersebut beserta regulatornya yaitu DSN-MUI dan DPS pada sektor riil dan keuangan masih dirasa belum seimbang. Tulisan ini menggunakan metode yuridis-normatif dengan pendekatan historis, pendekatan konseptual dan pendekatan Undang-Undang, serta menggunakan metode analisis yuridis kualitatif. Hasil penelitian menunjukkan bahwa, pertama, peran DSN-MUI sebagai pengawas eksternal dan DPS sebagai pengawas internal berpengaruh besar pada kepatuhan prinsip syariah di sektor keuangan. Kedua, dominasi sentuhan DSN-MUI dan DPS hanya ada di sektor keuangan syariah, sedangkan sektor riil belum diawasi secara ketat oleh DPS. Ketiga, sektor rill industri wisata halal yang berlabel syariah masih kurang memenuhi prinsip kepatuhan syariah yang ditentukan dalam fatwa DSN-MUI. Kajian ini menjadi penting melihat fakta bahwa peran DSN-MUI untuk mengeluarkan fatwa produk syariah baru dan pengawasan DPS pada sektor riil harus segera dilakukan karena sektor riil di indusri syariah telah banyak berkembang dan dapat menurunkan tingkat kepercayaan masyarakat ekonomi syariah jika tidak diiringi pedoman dan pengawasan yang optimal.Kata kunci: DSN-MUI; DPS; wisata halal; sektor keuangan; sektor riil