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Kontrak Mudharabah Pada PT. Sarana Multigriya Financial Ditinjau Dari Fatwa Dewan Syariah Nasional Nomor 07/DSN-MUI/IV/2000 Tentang Mudharabah Dewi, Nisrina Mutiara
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 6, No 1 (2019)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v5i3.10284

Abstract:SMF is a secondary housing company that provides refinancing to Islamic banks. SMF financing aims to address housing finance mismatch funding issues in Islamic banks. The application of the contract to this cooperation is the mudharabah contract. With mudharabah contracts, the SMF and Islamic Banks can invest from the profit sharing ratio. The mudharabah contract application in this collaboration must comply with the Fatwa Council National Fatwa regulations NO: 07 / DSN-MUI / IV / 2000 regarding mudharabah financing. This study uses a qualitative method. The research technique used is content analysis and the research approach method is normative juridical. The data used are primary data taken from interviews and draft secondary data contracts, MUI fatwas, literature studies. The objects studied were the contract formation procedure, the contents of the contract, and the conformity of the contract to the Fatwa of the National Sharia Council NO: 07 / DSN-MUI / IV / 2000 concerning mudharabah financing. The results of this study can be concluded that the SMF procedure in providing financing to Islamic banks is very concerned about risk and analyzes the business feasibility of sharia banks and the suitability of the mudharabah agreement at the SMF on the National Sharia Council Fatwa NO: 07 / DSN-MUI / IV / 2000 in SMF in general with the MUI fatwa. However, in bearing losses and profit sharing ratio at the mudharabah contract in SMF, it is less in accordance with the National Sharia Council Fatwa NO: 07 / DSN-MUI / IV / 2000.Keywords: Contract, Mudharabah, MUI FatwaÂ Abstrak:SMF merupakan perusahaan sekunder perumahan yang memberikan refinancing kepada Bank Syariah. Pembiayaan SMF bertujuan untuk mengatasi masalah mismatch funding pembiayaan perumahan di Bank Syariah. Penerapan Akad pada kerja sama ini yaitu akad mudharabah. Dengan akad mudharabah, maka SMF dan Bank Syariah dapat berinvestasi dari nisbah bagi hasil. Aplikasi akad mudharabah dalam kerja sama ini harus mematuhi peraturan Fatwa Dewan Syariah Nasional NO: 07/DSN-MUI/IV/2000 tentang pembiayaan mudharabah. Penelitian ini menggunakan metode kualitatif. Teknik penelitian yang digunakan adalah conten analysis dan metode pendekatan penelitian adalah yuridis normatif. Data yang digunakan yaitu data primer yang diambil dari wawancara dan data sekunder draft kontrak, fatwa MUI, studi kepustakaan. Adapun objek yang diteliti adalah prosedur pembentukan akad, isi akad, dan kesesuaian akad pada Fatwa Dewan Syariah Nasional NO: 07/DSN-MUI/IV/2000 tentang pembiayaan mudharabah. Hasil penelitian ini dapat disimpulkan prosedur SMF dalam memberikan pembiayaan kepada bank syariah sangat memperhatikan risiko dan menganalisis kelayakan bisnis bank syariah dan kesesuaian akad mudharabah di SMF pada Fatwa Dewan Syariah Nasional NO: 07/DSN-MUI/IV/2000 di SMF pada umumnya sudah sesuai dengan fatwa MUI. Namun dalam menanggung kerugian dan nisbah bagi hasil pada akad mudharabah di SMF kurang sesuaiÂ Fatwa Dewan Syariah Nasional NO: 07/DSN-MUI/IV/2000.Kata Kunci: Kontrak, Mudharabah, Fatwa MUI

Perlindungan Hukum Terhadap Investor Akibat Praktik Manipulasi Transaksi Di Pasar Modal Budi Firmana Firdaus; Muhammad Ali Hanafiah Selian; Nisrina Mutiara Dewi
JOURNAL of LEGAL RESEARCH Vol 3, No 6 (2021)
Publisher : Faculty of Sharia and Law State Islamic University Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/jlr.v3i6.18070

Metode Penelitian ini menggunakan tipe kajian pustaka (Library Research) yang mengkaji berbagai dokumen terkait penelitian. Metode yang digunakan peneliti adalah metode penulisan yuridis normatif dengan menggunakan pendekatan undang-undang (statute approach) dan pendekatan konseptual (Conceptual approach).Hasil penelitian menunjukkan bahwa regulasi terkait dengan perlindungan hukum bagi investor pada pasar modal di Indonesia sudah memiliki kerangka dan kekuatan hukum yang jelas. Hal ini dibuktikan dalam Undang-Undang Nomor 8 Tahun 1995 tentang Pasar modal dalam 3 (tiga) pasal, yaitu pasal 91, pasal 92, dan pasal 93. Dalam rangka melindungi para investor di pasar modal dari tindak kejahatan manipulasi transaksi yang sedang marak, dilakukan melalui 2 (dua) cara yaitu perlindungan hukum preventif dan perlindungan hukum represif. Perlindungan hukum preventif melalui Lembaga Otoritas Jasa Keuangan (OJK), sedangkan perlindungan hukum represif dilakukan dalam bentuk pemeriksaan, penyidikan dan penerapan sanksi-sanksi yang telah ditentukan oleh OJK.

Perlindungan Hukum Terhadap Hak Dan Kewajiban Antara Pt Migo Anugerah Sinergi Dengan Para Pihak Dalam Perjanjian Kemitraan Azdho Muhamad Ramadhon; Soefyanto Soefyanto; Nisrina Mutiara Dewi
JOURNAL of LEGAL RESEARCH Vol 4, No 1 (2022)
Publisher : Faculty of Sharia and Law State Islamic University Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/jlr.v4i1.22562

The purpose of this thesis is to establish and define the kind of legal protection that will be provided to the parties bound by the PT Migo Anugerah Sinergi partnership agreement in order for them to fulfill their rights and obligations. PT Migo Anugerah Sinergi has entered into an agreement with Migo Station, which serves as its partner, to explain the rights and obligations of the parties regarding legal protection in the event of a loss, as well as the type of legal protection that will be provided to them by the Migo Ebike transportation service provider, in order to better understand the implementation or application of the agreement. As a result of their participation in the partnership arrangement, they have suffered losses. Because the relationship between PT. Migo Anugerah Synergy and Migo Station is not only established in writing through a partnership/cooperation agreement, but it is also established through an electronic agreement, both parties are required to approve and sign the electronic agreement. A qualitative research approach is used in this study, which employs a normative empirical approach based on Indonesian laws and regulations, specifically Article 1 paragraph (13) and Article 11 of the Law of the Republic of Indonesia Number 20 of 2008 concerning Micro, Small, and Medium-Sized Enterprises and Article 4, Article 5, Article 6, and Article 7 of the Law of the Republic of Indonesia Number 8 of 1999 concerning Consumer Protection and Article 4, Article 5, and Article 6 of the Law of the Republic of Indonesia Number 11 of 2016 concerning Small and Medium-Sized.

Perlindungan Hukum Terhadap Pemegang Hak Atas Merek Skin Care Skin1004 atas Penjualan Produk Kemasan (Share In Jar) Almira Mey Theda; Yayan Sopyan; Nisrina Mutiara Dewi
JOURNAL of LEGAL RESEARCH Vol 2, No 3 (2020)
Publisher : Faculty of Sharia and Law State Islamic University Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/jlr.v2i3.18650

ABSTRAK Studi ini bertujuan untuk mengetahui, mendeskripsikan, dan memberi pengetahuan bagaimana bentuk perlindungan hukum bagi PT. Skin 1004 Indonesia sebagai pemegang hak atas merek skin care Skin1004 asal negara Korea terhadap penjualan produk kemasan (share in jar) merek Skin1004 serta akibat hukum yang diterima penjual dari hasil penjualan produk kemasan (share in jar) terhadap merek Skin1004.Penelitian ini menggunakan jenis penelitian kualitatif dengan menggabungkan pendekatan normatif dengan perundang-undangan (statute approach). Pendekatan perundang-undangan pada Undang-Undang Nomor 20 Tahun 2016 tentang Merek dan Indikasi Geografis, Undang-Undang Nomor 36 Tahun 2009 tentang Kesehatan, Peraturan Pemerintah Republik Indonesia Nomor 27 Tahun 1998 tentang Pengamanan Sediaan Farmasi dan Alat Kesehatan dan Peraturan Presiden Republik Indonesia Nomor 80 Tahun 2017 tentang Badan Pengawas Obat dan Makanan dan peraturan-peraturan tersebut dikaitkan atas permasalahan hukum yang timbul di masyarakat, yaitu perlindungan hukum bagi pemegang hak atas merek Skin1004.Hasil penelitian ini menujukan bahwa penanganan kasus penjualan produk kemasan (share in jar) menggunakan merek Skin1004 terjadi kekosongan perangkat hukum. Hal tersebut menyebabkan tidak ada aturan hukum yang secara spesifik melanggar peredaran produk kemasan (share in jar) menggunakan merek Skin1004 di kalangan masyarakat. Sehingga hal tersebut menyebabkan kebingungan masyarakat terkait kualitas produk skin care merek Skin1004. Sedangkan menurut Badan Pengawas Obat dan Makanan (BPOM) dalam Laporan tahun 2018 bahwa Badan Pengawas Obat dan Makanan (BPOM) telah menjadikan peredaran produk kemasan (share in jar) sebagai kajian kejahatan obat dan makanan. Sehingga apabila terdapat penggunaan terhadap merek Skin1004 pada produk kemasan (share in jar) tanpa adanya izin dari pemilik merek yang sah, maka pemilik merek Skin1004 tidak memiliki kewajiban untuk bertanggung jawab apabila terdapat kerugian yang dialami konsumen yang mengkonsumsi produk kemasan (share in jar) tersebut. Kata Kunci :Perlindungan Merek, Skin1004, Share In Jar

REGULASI ZAKAT BAGI APARATUR SIPIL NEGARA DI INDONESIA Isnawati Rais; Abdul Halim; Nisrina Mutiara Dewi; Asmawi Asmawi; Ahmad Bahtiar
istinbath Vol 19 No 1 (2020): Juni
Publisher : Universitas Islam Negeri Mataram

This study aims at analyzing Islamic and positive laws in Indonesia regarding the obligation of zakat for the Goverment Employee (ASN). This is Important for finding the basis for the state in goverming zakat regulation for Muslim ASN with a payroll cut of 2.5 percent by the Ministry of Religius Affairs as well as for getting arguments in terms of islamic law and politics of law as well as their relation to these regulations. The method used in this study is a qualitative research with a statutory approach with data in the form of zakat laws and regulations enforced in Indonesia, both in terms of religious and state norms. The findings of this study indicate that there are important issues from this regulation in the perspective of Islamic law and politics of law: First, the regulation of zakat obligations for the goverment employees is not in accordance with Islamic law; Second, the method of determining muzaki (zakat payers) by the state is still biased because it declares that all the Muslim goverment employees are Muzaki; Third, the basic calculation for compulsory zakat has not calculated the gross basic needs of the goverment employees and the expenditure of basic needs (hajah ashliyyah) yet.

Tinjauan tentang Keadaan Memaksa (Force Majeure) dalam Sengketa Perjanjian Murabahah di BNI Syariah Cabang Medan Nisrina Mutiara Dewi
Misykat al-Anwar Jurnal Kajian Islam dan Masyarakat Vol 3, No 1 (2020)
Publisher : Faculty of Islamic Studies, University of Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/ma.3.1.%p

Force marjeure is a condition that is likely to occur in a financing agreement in Islamic banking including murabahah contracts. This force majeure has elements that must be fulfilled which have been regulated in the KUHPer and Compilation of Sharia Economic Law. This type of research is a normative descriptive, type of normative legal research is research aimed at reviewing the Supreme Court's Decision Number 684 K / Ag / 2016. In a dispute the murabahah agreement reviews the force majeure in accordance with the applicable laws and regulations.

Hybrid Contract in Islamic Financial Services Hasanudin Hasanudin; Nisrina Mutiara Dewi; Gine Putri Pertiwi; Feby Wijayanti
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 14, No 1 (2022)
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

The hybrid contract is needed to accommodate modern transactions unavailable in the classical Islamic period. The current financial service products use hybrid contracts, such as in debt transfer, import and export letters of credit, and credit cards. The evaluation of the use of contracts in these products reveals the use of multiple alternative contracts in debt transfer and Letters of Credit; and single contract alternative for credit card services. This study shows the complexity of contracts in modern financial products, requiring more complex documentation. The merger of several contracts in one transaction is based on the argument that there is no prohibition on using multiple contracts in one transaction, as long as it avoids usury (ribā). AbstrakPenggabungan akad merupakan kebutuhan untuk mewadahi transaksi modern yang tidak ditemukan di masa Islam klasik. Bentuk penggabungan akad tersebut terjadi di antaranya pada produk jasa keuangan modern seperti pengalihan utang, Letter of Credit impor dan ekspor, dan kartu kredit. Dengan mengevaluasi penggunaan akad-akad dalam produk tersebut ditemukan beberapa alternatif penggabungan akad pada produk pengalihan hutang dan Letter of Credit, serta satu alternatif penggabungan akad untuk produk kartu kredit. Penggabungan akad tersebut didasarkan atas argumen tidak ada larangan penggabungan akad selama tidak menimbulkan ribā. Hasil penelitian ini menunjukkan kompleksitas akad pada produk keuangan modern yang pada praktiknya membutuhkan dokumentasi yang lebih kompleks.

Hybrid Contract in Islamic Financial Services Hasanudin, Hasanudin; Dewi, Nisrina Mutiara; Pertiwi, Gine Putri; Wijayanti, Feby
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 14 No. 1 (2022)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v14i1.25692

The hybrid contract is needed to accommodate modern transactions unavailable in the classical Islamic period. The current financial service products use hybrid contracts, such as in debt transfer, import and export letters of credit, and credit cards. The evaluation of the use of contracts in these products reveals the use of multiple alternative contracts in debt transfer and Letters of Credit; and single contract alternative for credit card services. This study shows the complexity of contracts in modern financial products, requiring more complex documentation. The merger of several contracts in one transaction is based on the argument that there is no prohibition on using multiple contracts in one transaction, as long as it avoids usury (ribā). AbstrakPenggabungan akad merupakan kebutuhan untuk mewadahi transaksi modern yang tidak ditemukan di masa Islam klasik. Bentuk penggabungan akad tersebut terjadi di antaranya pada produk jasa keuangan modern seperti pengalihan utang, Letter of Credit impor dan ekspor, dan kartu kredit. Dengan mengevaluasi penggunaan akad-akad dalam produk tersebut ditemukan beberapa alternatif penggabungan akad pada produk pengalihan hutang dan Letter of Credit, serta satu alternatif penggabungan akad untuk produk kartu kredit. Penggabungan akad tersebut didasarkan atas argumen tidak ada larangan penggabungan akad selama tidak menimbulkan ribā. Hasil penelitian ini menunjukkan kompleksitas akad pada produk keuangan modern yang pada praktiknya membutuhkan dokumentasi yang lebih kompleks.

Maqasid-Based Comparative Jurisprudence: Synthesis of Capitalism, Socialism, and Islamic Economics in Indonesia's Dual Economic System Pertaminawati, Hendra; Dewi, Nisrina Mutiara; Prawiro, Teguh
JURNAL ILMU SYARIAH Vol 13 No 2 (2025): Mizan: Journal of Islamic Law
Publisher : IBN KHALDUN BOGOR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/mizan.v13i2.22617

The purpose of this article is to compare legal systems in the concept of ownership (al-Milkiyyah) and examine the integration of Positive Law and Islamic Law in Strengthening Sharia financial institutions in Indonesia. Using a juridical-philosophical approach, this study examines the ontological, epistemological, and axiological aspects of each economic legal system. Ontologically, capitalism is rooted in individual freedom and private property rights; socialism in collectivity and structural equality; while Islam emphasizes the balance between private ownership, social responsibility, and distributive justice. Epistemologically, Western economic law is based on secular rationality and empiricism, while Islamic economic law is derived from revelation and maqāṣid al-syarī‘ah. From an axiological perspective, Islamic economic law prioritizes the values of justice and welfare over material utility. The main findings of this study indicate that the Indonesian dual economic system model represents an epistemological synthesis between Western legal rationality and Islamic legal spirituality. National legal pluralism allows for the coexistence of two complementary economic systems, conventional and sharia, within the framework of equitable economic development. The theoretical implication is the need for a comparative model of economic law based on maqāṣid (maqāṣid-based comparative jurisprudence), while the practical implication is the importance of harmonizing positive legal regulations with sharia principles to achieve an efficient, ethical, and equitable national economic legal system. Keywords: Economic Law, Capitalism, Socialism, Islamic Economics, Dual Economic System, Maqāṣid al-Syarī‘ah.

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