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All Journal International Journal of Public Health Science (IJPHS) Jurnal Media Hukum International Journal of Social Science and Business Pro Patria: Jurnal Pendidikan, Kewarganegaraan, Hukum, Sosial, dan Politik Sapientia Et Virtus Media of Law and Sharia Prosiding Seminar Nasional Program Pengabdian Masyarakat
Danang Wahyu Muhammad
Universitas Muhammadiyah Yogyakarta
Agriculture, Biological Sciences & Forestry Chemical Engineering, Chemistry & Bioengineering Economics, Econometrics & Finance Education Health Professions Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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Journal : Jurnal Media Hukum

 1 
PENERAPAN PRINSIP SYARIAH DALAM PERMODALAN BANK SYARIAH Danang Wahyu Muhammad
Jurnal Media Hukum Vol 21, No 1 (2014)
Publisher : Fakultas Hukum Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jmh.v21i1.1156

Abstract

Islamic Bank  is a bank  that  is based on Syariah principles. The principles must  always be obeyed both  in  the establishment and  in the operational,  including  the  financial capital.  Regarding  the capital,  it must not come from  a  source  that  is  considered  as  haram  according  to  Syariah  principles, which will  cause  a mix  between halal  and  haram.  Something  that  is  halal must  be  strictly  separated  from  something  that  is  haram,  and  vice versa. This paper discusses The Application of Syariah Principles in Islamic Bank Capitalization. Several principles are  applied  and must  be  obeyed by  Islamic  Bank,  namely: Al-Ta’awan  Principle,  Principle  of Avoiding  (Al-Ikhtinaz)  from  gharar, masyir,  and  riba.  As  a  part  of Islamic  Economy,  the  activities  of  Islamic  Bank  can  be observed  from  four  points  of  view,  namely;  ilahiyah  economy,  ahlaq  economy, humanity  economy,  and balance economy. Meanwhile, from several viewsnof Muslim Economists,  it can be concluded that the core of Islamic  teaching  is  tauhid, which means  that  all  human  activities  in  the world,  including economy,  is merely for  ibadah  –  act  of  devotion  – which  is  aimed  at  following  one  law,  Allah’s  law.  The  value  of  tauhid,  in practice,  is  interpreted  in many  valaes  and  there  are  three basic  values  that  become distinguishing factors between  Islamic economy and other, namely adl, khilafah, and takaful.  It can be conladed that  is a possibility that  Syariah  Principles  are  violated  by  Islamic  Bank  in  terms  of  its  capitalization.  This  can be  see  from  the missing of requirements that make it compulsory for all founders to make a statement letter which states that the  financial  capital  deposited  to  Islamic  Bank  does  not  come  from  a  source  which  is  considered as  haram according  to Syariah  Principle.  The  consequence  of  the missing requirement  is  the  possibility of  receiving haram  financial  capital  from the  founders.  Should  this happen,  then Syariah Principle  is violated.
KONSEP PENGATURAN PENJAMINAN SIMPANAN NASABAH PADA BANK SYARIAH Danang Wahyu Muhammad; Ahdiana Yuni Lestari
Jurnal Media Hukum Vol 22, No 2 (2015)
Publisher : Fakultas Hukum Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jmh.2015.0061.274-293

Abstract

Fund Guarantor Institution (LGI) does not yet have Syariah scheme as a distinguishing feature of Sharia-based society fund guarantee. Meanwhile, the existing Government Regulation, that is PP No. 39 Year 2005 about Bank Customer Fund Guarantee based on Sharia Principles, is very simple so that it is not sufficient and does not cover Islamic Banks. Based on the background, the problem formulation in this research is “What is the concept of customer fund guarantee regulation like in Islamic Banks?” The objective of this research is to make a concept about customer fund guarantee regulation in Islamic Banks.The type of this research is juridical normative that is doctrinal, with law and conceptual approach method. As a doctrinal law research, this research will only review legal materials; primary legal materials, secondary legal materials, and non-legal materials. The analysis of this research uses prescriptive method.The conclusion of the research is that in Banking Operation Principles in Indonesia there are two types of banks; conventional and Islamic bank, where both types use different systems. As a consequence, in principle, the institution that guarantees the customer fund should be distinguished. This is based on some considerations :Islamic Banks proscribes bank interest, because of that they do not use bank interest mechanism in its operation, therefore the institution that guarantees its customer fund should not use bank interest mechanism.In its operational systems, Islamic Banks use covenants that have been determined according to Islamic Fiqh, so the institution that guarantees its customer fund should base its operation system to the covenant that is based on Islamic Fiqh. Islamic Banks are limited by what may be done and what may not be done based on Islamic Fiqh, determination, so the institution that guarantees its customer fund should base its operational on the same determination.Therefore, there will be a consistency between Islamic Banks and the institution that guarantees its customer fund in Islamic Banks which at the end will guarantee protection towards the customers who are willing to perform Islamic religious duty in a good and correct way.
IMPLEMENTASI KONSEP FALAH DALAM PENGATURAN PRINSIP KEHATI-HATIAN DAN PERLINDUNGAN HUKUM TERHADAP NASABAH PADA BANK SYARIAH Danang Wahyu Muhammad
Jurnal Media Hukum Vol 16, No 3 (2009)
Publisher : Fakultas Hukum Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jmh.v16i3.15374

Abstract

 Tujuan jangka panjang penelitian ini adalah dengan dirumuskannya konsep   tentang pengaturan prinsip kehati-hatian dan perlindungan hukum terhadap nasabah pada Bank Syariah yang mendasarkan pada konsep falah, diharapkan dapat menjadi masukan kepada para pengambil kebijakan/pembuat peraturan perundang-undangan atau otoritas perbankan Syariah  di bidang perbankan Syariah dalam membuat peraturan/kebijakan di masa yang akan datang. Tujuan khusus dari penelitian ini adalah: (1) untuk menganalisis dan mengkonsep pengaturan tentang prinsip kehati-hatian yang tepat, dengan mendasarkan pada konsep falah, yang seharusnya diberlakukan pada Bank Syariah dengan tidak meninggalkan konsep prinsip kehati-hatian yang sudah ada dan untuk menganalisis; dan (2) menganalisis dan mengkonsep pengaturan tentang perlindungan hukum terhadap nasabah penyimpan dana pada Bank Syariah dengan mendasarkan pada konsep falah,  sehingga dapat diketahui apa yang seharusnya berkaitan dengan hal tersebut.Penelitian ini merupakan penelitian hukum dalam ranah kajian yuridis normatif/doktrinal . Dalam hal ini, penelitian hukum doktrinal merupakan suatu upaya  penemuan asas-asas dan dasar falsafah hukum, baik dalam hukum nasional maupun dalam hukum Islam, dalam upaya penyusunan konsep aturan yang akan diberlakukan pada masa yang akan datang.  Penelitian hukum normatif adalah suatu proses untuk menemukan prinsip-prinsip hukum, aturan hukum, maupun doktrin doktrin hukum guna menjawab isu hukum yang dihadapi. Isu hukum yang ditemukan akan dikaji  dalam tataran dogmatik hukum, teori hukum dan filsafat hukum. Oleh karenanya, sumber data yang akan dikaji dalam penelitian ini adalah data sekunder yang berupa bahan hukum primer, bahan hukum sekunder, bahan hukum tertier dan bahan non hukum.
Co-Authors Ahdiana Yuni Lestari Ahdiana Yuni Lestari Ferdin Okta Wardana Izzy Al Kautsar Kusumo, Mahendro Prasetyo Muhammad al Ikhwan Bintarto Rofiul Wahyudi Siti Ismijati Jenie Yonisha Sumual