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All Journal Hukum Islam SALAM: Jurnal Sosial dan Budaya Syar-i MUAMALATUNA Al Qisthas : Jurnal Hukum dan Politik Jurnal Hukum dan Peradilan IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Jurnal Penelitian Hukum De Jure
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PERLINDUNGAN NASABAH EKONOMI SYARIAH MELALUI TRANSAKSI GADAI DALAM PERSPEKTIF FIQH MUAMALAH Ika Atikah; Maimunah Maimunah
Hukum Islam Vol 21, No 2 (2021): PROBLEMATIKA HUKUM KELUARGA DAN EKONOMI SYARI'AH
Publisher : Fakultas Syariah dan hukum Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jhi.v21i2.10774

Abstract

Rahn (pawning) is one of the sharia economic transactions that is currently increasing in development in Indonesia. The need for funds to meet the shortcomings in everyday life makes rahn (pawn) an alternative to getting fast money loans to sharia pawnshops by pledging valuable goods as a condition of the contract (contract). In this study, using normative research with a conceptual approach and analysis approach. Primary sources of law used in this study refer to journals, proceedings, scientific papers relevant to Islamic economic law (Fiqh Muamalah). Meanwhile, secondary sources of law refer to books related to fiqh muamalah. The urgency of customer protection according to fiqh muamalah, in rahn transactions, of course, it depends on the contents of the agreement clause which is mutually agreed upon by prioritizing the principle of goodwill and the principle of justice so that both debtors and creditors have equality and equality to fulfill their rights and obligations according to the agreed agreement to avoid things that can break the contract. 
Penguatan Merger Bank Syariah BUMN dan Dampaknya Dalam Stabilitas Perekonomian Negara Ika Atikah; Maimunah Maimunah; Fuad Zainuddin
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 8, No 2 (2021)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v8i2.19896

Abstract

This study provides an overview of strengthening the merger of state-owned sharia banks, namely BNI Syariah, BSM, BRI Syariah which merged into Bank Syariah Indonesia (BSI). The purpose of the study was to determine the legal arrangements for strengthening the merger of Islamic banks to become BSI and its impact on the stability of state finances during the COVID-19 pandemic. The research method used in this study uses normative research with a statutory approach and a conceptual approach. Primary sources of law use legal regulations related to mergers of banking institutions and secondary sources of law from several kinds of literature such as journals and books relating to the issues being discussed. Meanwhile, legal material analysis techniques are used descriptively. The result of the research is the strengthening of the merger of BUMN Islamic banks starting with the existence of an agreement that is outlined in the written form of an Islamic commercial bank merger agreement as regulated in several applicable legal regulations. The merger of Islamic commercial banks during a pandemic is the right step to maintain the country’s economic stability, as stated in Perpu No.1 / 2020 and POJK No.18 / POJK.03 / 2020. The impact of the merger of Islamic commercial banks, of course, has a positive impact, Indonesian Islamic banks can compete globally by prioritizing more complete services, wider coverage, and better capitalization. For the state, it is certainly a good thing that can be done by the Ministry of BUMN, by initiating the merger of 3 sharia-based state-owned subsidiaries (BNI Syariah, BSM, BRI Syariah) merging into PT. Bank Syariah Indonesia, Tbk. Keywords : Merger, Sharia Banks, Finance
PENGATURAN HUKUM TRANSAKSI JUAL BELI ONLINE (E-COMMERCE) DI ERA TEKNOLOGI Ika Atikah
MUAMALATUNA Vol 10 No 2 (2018): Juli-Desember 2018
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/mua.v10i2.1811

Abstract

Sistem transaksi jual beli konvensional dianggap sudah tidak mengakomodir keinginan konsumen untuk berbelanja dengan tidak harus keluar rumah atau gedung kantor, menggunakan sarana komputer atau handphone dan terhubung jaringan internet dengan membuka situs-situs belanja online yang kian menjamur memenuhi pangsa pasar, memudahkan transaksi jual beli secara e-commerce menjadi solusi bagi masyarakat. E-Commerce lahir berdasarkan kontrak jual beli yang terjadi secara elektronik antara penjual dan pembeli. Meskipun transaksi elektronik telah mengalami amandemen dalam perundang – undangannya yaitu Undang – Undang Nomor 11 Tahun 2008 tentang perubahan atas Undang-Undang Nomor 19 Tahun 2016 tentang Informasi dan Transaksi Elektronik, namun belum mengakomodir tentang syarat-syarat sahnya suatu kontrak elektronik secara khusus, E-commerce diatur dalam Undang – Undang Perdagangan, dan Peraturan Pemerintah serta Keputusan Menteri Perdagangan. Namun, prinsip dasar keberlakuan suatu kontrak di Indonesia mengacu pada Pasal 1320 KUHPerdata, sehingga dapat pula diterapkan pada kontrak elektronik. Transaksi jual beli E-commerce secara umum diatur dalam Undang-Undang Nomor 11 Tahun 2008 tentang perubahan atas Undang – Undang Nomor 19 Tahun 2016 tentang Informasi dan Transaksi Elektronik atau yang disingkat dengan ITE. Pasal 18 ayat 1 UU ITE menyebutkan bahwa kontrak elektronik harus memiliki kekuatan hukum yang sama dengan kontrak konvensional.Kata Kunci : Transaksi Jual Beli, E-commerce, Undang-undang
Eksistensi Kompilasi Hukum Ekonomi Syariah (KHES)) Sebagai Pedoman Hakim Dalam Menyelesaikan Perkara Ekonomi Syariah Di Pengadilan Agama Ika Atikah
MUAMALATUNA Vol 9 No 2 (2017): Juli-Desember 2017
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

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Abstract

Pasca diberlakukannya UU No. 5 Tahun 2009 tentang Perubahan Atas UU No. 3 Tahun 2006 tentang Peradilan Agama, peradilan agama memperoleh perluasan kewenangan dalam menyelesaikan sengketa ekonomi syariah. Perluasan kewenangan ini kemudian mendapat legitimasi dalam ketentuan ekonomi syariah yang memperoleh payung hukum undang-undang seperti dalam UU No. 21 Tahun 2008 tentang Perbankan Syariah. Terbitnya Peraturan Mahkamah Agung tentang Kompilasi Hukum Ekonomi Syariah direspon positif oleh masyarakat, khususnya kalangan peminat dan pemerhati hukum ekonomi syariah di Indonesia. Keberadaan KHES memberikan kodifikasi dan unifikasi hukum ekonomi syariah di Indonesia. Kesulitan para hakim pengadilan agama memutus perkara ekonomi syariah hanya merujuk kepada kitab – kitab fiqih yang tersebar dalam berbagai mazhab, karena tidak memiliki pedoman hukum positif yang bersifat unifikasi, sehingga terjadi perbedaan dalam putusan antar suatu pengadilan dengan pengadilan yang lain, antar hakim yang satu dengan hakim yang lain. Salah satu faktor yang sangat mendukung perkembangan pelembagaan keuangan syariah di Indonesia adalah adanya dukungan peraturan perundang – undangan yang selalu pro-aktif memberikan payung hukum dan regulasi. Jika peran payung hukum dimainkan untuk mendasari tumbuhnya lembaga – lembaga keuangan syariah di berbagai bidang, maka peran regulasi dilaksanakan untuk memberikan kerangka (framework) dalam operasional kegiatannya. Kata Kunci: Ekonomi Syariah, Peradilan Agama, KHES
PEMBENTUKAN KOMISI YUDISIAL SEBAGAI UPAYA INDEPENDENSI KEKUASAAN KEHAKIMAN Ika Atikah
Al Qisthas: Jurnal Hukum dan Politik Ketatanegaraan Vol 8 No 1 (2017): Januari - Juni 2017
Publisher : Jurusan Hukum Tata Negara, Fakultas Syariah, UIN Sultan Maulana Hasanuddin Banten

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Abstract

AbstraksiTerbentuknya lembaga komisi yudisial merupakan amanat UUD1945 yang patut dilaksanakan dalam sistem ketatanegaraansebagai upaya lembaga mandiri dari kekuasaan kehakiman.Keberadaan komisi yudisial sebagai lembaga mandirimempunyai kewenangan dalam mengusulkan pengangkatanhakim agung dan mempunyai wewenang lain dalam rangkamenjaga dan menegakkan kehormatan, keluhuran martabat,sertaperilaku hakim. Kehadiran komisi yudisial merupakankeniscayaan yang diharapkan oleh setiap negara khususnyaIndonesia untuk menegakkan sistem peradilan yang bersih. Kata Kunci : Komisi Yudisial, Kekuasaan Kehakiman
CONSUMER PROTECTION AND FINTECH COMPANIES IN INDONESIA: INNOVATIONS AND CHALLENGES OF THE FINANCIAL SERVICES AUTHORITY Ika Atikah
Jurnal Hukum dan Peradilan Vol 9, No 1 (2020)
Publisher : Pusat Strategi Kebijakan Hukum dan Peradilan Mahkamah Agung RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25216/jhp.9.1.2020.132-153

Abstract

The article has questions from the background of the research as follows: how to protect consumers fintech transactions from financial technology companies? What are the innovations and challenges of the financial services authority in overseeing and issuing regulations related to fintech? The research method used is normative with the statute approach and conceptual approach. The technique of collection primary legal is carried out by collecting OJK regulations regarding fintech companies, and consumer protection. Meanwhile, the technique of collection secondary legal is the concept or theories related to the main issue complete with bibliography. The Results that found are the fintech companies must be registered in the financial services authority by obeying and implementing OJK regulations. Innovation that OJK did enact Supervisory Technology (Suptech) to develop the financial technology (fintech) corporate ecosystem that is included in the realm of Digital Financial Innovation (IKD) on the OJK portal with the name Gerbang Elektronik Sistem Informasi Keuangan Digital. OJK also established the Innovation Center or Fintech Center in 2018. Challenges OJK must face: fintech lending is to create a balance between increasing financial inclusion and risk management, improving people’s understanding of fintech services, infrastructure, cybersecurity and data protection for consumers and fintech must collect more consumer data so that the lending and borrowing process becomes more efficient and effective.
Perlindungan Hukum Pelanggan Aset Kripto Transaksi Perdagangan Berjangka Komoditi Indonesia Ika Atikah
SALAM: Jurnal Sosial dan Budaya Syar-i Vol 10, No 2 (2023)
Publisher : Faculty of Sharia and Law UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjsbs.v10i2.31691

Abstract

This study explains the importance of regulating government legal protection in the form of legal regulations for crypto asset customers in commodity futures trading activities. The ease of digital transactions in the form of crypto investments that have high risk requires unusual legal arrangements so that the urgency of institutions such as CoFTRA have a hand in the commodity futures trading traffic. The results of the research provide an answer that specifically it is not regulated in the form of a separate law but is regulated explicitly by CoFTRA in the form of a CoFTRA, which regularly updates regulatory policies every year, trading activities for commodity futures crypto assets No.8/2021 and the legitimacy of crypto transactions strengthened by the stipulation of PMK No.68/2022 PPN and PPH. Through institutions that have the authority to regulate and limit crypto transactions, the government has provided legal and registered balanced protection not only to crypto asset traders but also to crypto asset customers. The Ministry of Trade of the Republic of Indonesia, through CoFTRA, seeks to regulate the transaction mechanism of crypto asset trading activities in such a way that all parties involved in the digital transaction can comply with and apply it, including crypto customers, seeks to provide education in the form of socialization movements to the public as potential crypto customers by first studying investment high risk to minimize losses that occur in the future.Keywords: Protection; Customer; Crypto Asset; Commodity Futures Trading Abstrak Penelitian ini menjelaskan penting mengatur proteksi hukum pemerintah dalam bentuk peraturan hukum kepada pelanggan aset kripto dalam kegiatan dagang berjangka komoditi. Kemudahan transaksi digital dalam bentuk investasi kripto yang memiliki risiko tinggi memerlukan pengaturan hukum yang tidak biasa sehingga urgensitas lembaga seperti Bappebti memiliki andil dalam lalu-lintas perdagangan berjangka komoditi tersebut. Hasil riset memberikan jawaban bahwa secara khusus tidak diatur dalam bentuk Undang-Undang secara tersendiri melainkan secara spesifik diatur oleh Bappebti dalam bentuk Perbappebti yang secara berkala kebijakan regulasi selalu diperbaharui setiap tahunnya kegiatan transaksi dagang berjangka komoditi aset kripto No.8/2021 dan legitimasi transaksi kripto diperkuat dengan ditetapkan PMK No.68/2022 PPN dan PPH. Pemerintah melalui lembaga yang memiliki kewenangan mengatur dan membatasi transaksi kegiatan kripto telah memberikan proteksi yang berimbang legal dan terdaftar tidak hanya kepada pedagang aset kripto saja namun juga kepada pelanggan aset kripto. Kemendag RI melalui Bappebti berupaya mengatur mekanisme transaksi kegiatan perdagangan aset kripto dengan sedemikian baik agar dapat dipatuhi dan diterapkan oleh semua pihak yang terlibat dalam transaksi digital tersebut termasuk pelanggan kripto, berupaya memberikan edukasi berupa gerakan sosialisasi kepada masyarakat sebagai calon pelanggan kripto dengan mempelajari terlebih dahulu investasi berisiko tinggi tersebut guna meminimalisir kerugian yang terjadi kemudian hari.Kata Kunci: Perlindungan; Pelanggan; Aset Kripto; Berjangka Komoditi
Data Forgery in Indonesian E-Commerce: Harmonizing Sharia Principles and Positive Law for Consumer Protection Ika Atikah; Hadiat Hadiat; Dian Febriyani
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 10 No. 2 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i2.22089

Abstract

This article aims to analyze how the harmonization between Sharia principles and positive law can strengthen consumer protection against data forgery in Indonesian e-commerce transactions. The background of this study lies in the growing risks of identity manipulation, fictitious transactions, and consumer rights violations in the era of digital trade. Normatively, Sharia emphasizes honesty (sidq) and trustworthiness (amanah) as the foundation of contractual relations, while Indonesia’s positive law provides a formal framework through the ITE Law, the Consumer Protection Law, and the Personal Data Protection Law. The research applies a normative juridical method by examining legislation, fatwas, and relevant literature. The findings show that although positive law offers legal instruments, its enforcement remains weak; meanwhile, Sharia economic law underscores ethical compliance as the basis of protection. The academic contribution of this study is to offer a conceptual framework that integrates Sharia ethics with positive legal regulations to reinforce legal certainty, build consumer trust, and promote the sustainability of Indonesia’s digital economic growth.Keywords: Data Forgery; E-commerce; Consumer Protection; Sharia Economic Law; Positive Law
Ikhtilaf Ulama Kontemporer: Eksistensi Zakat Profesi Di Era Modern Ika Atikah; Ending Solehuddin; Ahmad Hasan Ridwan; Hadiat Hadiat
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 3 No. 2 (2024): Volume 3 Nomor 2 Tahun 2024
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v3i2.60

Abstract

Ikhtilaf or differences of opinion among scholars related to professional zakat are important topics in the context of contemporary Islamic law. Professional zakat, known as zakat on income from professional work, emerged along with the development of the modern economy which introduced various new professions. In the modern era, income earned from professions such as doctors, lawyers, and company employees is considered to be subject to zakat as a form of social and religious responsibility. However, contemporary scholars have different opinions regarding the provisions and laws of professional zakat, especially related to nisab (the threshold of wealth that must be zakati), the time of payment, and the type of income that must be subject to zakat. This article examines the various views of contemporary scholars regarding the existence of professional zakat in the modern era, as well as its legal and social implications for Muslims. The purpose of this study is to understand the dynamics of scholarly efforts regarding professional zakat and how these differences can be accommodated in the zakat legal system in the modern
The Concepts of Wa’ad and Aqad in Islamic Economic Policy and Their Implications for Sharia Compliance in The Modern Banking System Ika Atikah; Yadi Janwari; M. Hasanuddin
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 4 No. 1 (2025): Volume 4 Nomor 1 Tahun 2025
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v4i1.72

Abstract

Penelitian ini mengeksplorasi fungsi wa’ad dan aqad dalam konteks kebijakan ekonomi Islam, khususnya dalam operasional perbankan modern, serta dampaknya terhadap kepatuhan terhadap prinsip-prinsip syariah. Wa’ad diposisikan sebagai alat awal yang menjamin kepastian dan komitmen dalam transaksi, sedangkan aqad merupakan landasan hukum yang mengikat berdasarkan nilai-nilai syariah. Kedua konsep ini berperan penting dalam menciptakan transparansi, keadilan, serta pemenuhan aturan hukum Islam dalam praktik moneter dan fiskal di perbankan syariah. Temuan studi ini mengindikasikan bahwa sinergi antara wa’ad dan aqad tidak hanya memperkokoh kepatuhan terhadap syariah, tetapi juga memberikan kontribusi terhadap: Minimnya risiko spekulatif akibat adanya kejelasan dalam perjanjian kontrak; Tumbuhnya kepercayaan nasabah melalui praktik transaksi yang transparan dan etis; Terjaganya stabilitas sistem perbankan syariah karena keselarasan dengan kebijakan ekonomi Islam. Oleh karena itu, kajian ini menegaskan bahwa wa’ad dan aqad tidak hanya penting dalam skala transaksi individu, namun juga berperan strategis dalam memperkuat kebijakan moneter dan fiskal Islam yang berkelanjutan.
Co-Authors Ahmad Zaini Ending Solehuddin Febriyani, Dian Fuad Zainuddin Hadiat Hadiat Hadiat Hadiat Iin Ratna Sumirat M. Hasanuddin Maimunah Maimunah Yadi Janwari