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Kepastian Hukum Hak Subrogasi Perusahaan Penjaminan Syariah terhadap Pembiayaan yang di Write Off (Hapus Buku) oleh Bank Syariah (Studi Kasus Klaim Penjaminan Pembiayaan Syariah di PT Jaminan Pembiayaan Askrindo Syariah) Rihandy, Rihandy; Huda, Misbahul
Jurnal Pendidikan Tambusai Vol. 6 No. 1 (2022): 2022
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v6i1.3215

Abstract

Subrogasi merupakan penggantian kedudukan pihak kreditur oleh pihak ketiga dalam perjanjian, sebagai akibat pembayaran yang dilakukan oleh pihak ketiga atas hutang debitur kepada pihak kreditur. Rumusan masalah dalam penelitian ini mengenai kepastian hukum hak subrogasi perusahaan penjaminan syariah terhadap pembiayaan nasabah yang di write off oleh bank syariah setelah klaim pembiayaannya dibayar oleh perusahaan penjaminan syariah dan tanggung jawab dan kewajiban bank syariah selaku penerima jaminan secara hukum setelah write off dilakukan sehingga dapat menimbulkan potensi kerugian bagi perusahaan penjaminan. Penelitian ini menggunakan metode penelitian yuridis sosiologis yang dianalisis secara kualitatif untuk mendapatkan hasil penelitian tentang kepastian hukum mengenai hak subrogasi PT Jaminan Pembiayaan Askrindo Syariah atau Askindo Syariah sebagai Penjamin yang merujuk kepada hasil penelitian dapat disimpulkan tidak terwujud karena tidak ada aturan yang secara tegas melindungi hak Askrindo Syariah setelah klaim dibayar. Bank Syariah Indonesia sebagai Penerima Jaminan memiliki kewajiban untuk tetap melakukan penagihan secara optimal kepada pihak Terjamin walaupun pembiayaannya berstatus write off. Solusi yang diharapkan akad perjanjian kerjasama penyelesaian subrogasi antara Askrindo Syariah selaku Penjamin dengan Bank Syariah Indonesia selaku Penerima Jaminan dengan memasukan klausul mengenai sanksi apabila salah satu pihak lalai dalam memenuhi kewajibannya dan dibuat secara Notariel (Akta Notaris).
Dinamika Khulu’ dan Peran Pengadilan Agama Sidoarjo: Analisis Peningkatan Perkara Cerai Gugat Pasca-COVID-19 Lutfi Soleh AM, Khusnul; Zakki, Muhammad; Huda, Misbahul
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol 16 No 2 (2024): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam
Publisher : State of Islamic Institute Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v16i2.9173

Abstract

The COVID-19 pandemic was expected to impact not only the economic and health aspects of society but also potentially affect social dynamics and household stability, including an increase in divorce cases. However, the reality shows a significant surge in divorce cases, particularly khulu', at the Sidoarjo Religious Court following the pandemic. This phenomenon marks a significant change in divorce patterns occurring after the COVID-19 period, warranting further investigation to understand the causes and potential solutions. This study aims to analyze the dynamics of khulu', identify factors influencing the rise in divorce cases, and evaluate the role of the Sidoarjo Religious Court in addressing and reducing divorce cases. The research is field-based with a qualitative approach. The methodology used is a case study with descriptive analysis. The results indicate that the dynamics of khulu' in Sidoarjo have undergone significant changes, with an increase in divorce cases during the post-COVID-19 period. Factors such as economic pressure, changes in social interaction patterns, and emotional instability have triggered this surge. To minimize the prevalence of khulu' and divorce, the Sidoarjo Religious Court focuses on strengthening mediation, public education, rationalizing administrative requirements, and assisting families in resolving conflicts peacefully.
Pandangan Ḥanāfiyah dan Syāfi’iyah Tentang Kontradiksi Dalil Pemukulan Suami Terhadap Istri Misbahul Huda; Fitria Maeliniatun Nazilah
Khuluqiyya: Jurnal Kajian Hukum dan Studi Islam Vol. 5 No. 1 (2023)
Publisher : Sekolah Tinggi Agama Islam Al-Hikmah 2

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56593/khuluqiyya.v5i1.102

Abstract

There are source texts of Islamic law that allow and prohibit the beating of a husband against his wife. Thus it can be said that there is a contradiction in the argument for beating a husband against his wife. Meanwhile, there are different methods in resolving conflicts between arguments used by Ḥanāfiyah and Syafi'iyah scholars. This paper attempts to answer the views of Ḥanāfiyah and Syāfi'iyah regarding the law of beating a husband against his wife and how the methods of resolving conflicting arguments for beating a husband against his wife according to Ḥanāfiyah and Syāfi'iyah. This type of research is library research. The results of the study show that the Ḥanāfiyah and Syafi'iyah scholars both agreed to allow husbands to beat their wives who were nusyuz, it's just that there are some Syāfi'iyah who punish khilāf al-aulā. In resolving conflicting arguments, the majority of Ḥanāfiyah scholars use the nasakh method because the chronology of the text can be known clearly. While the majority of Syafi'iyah scholars use the al-jam'u wa al-taufiq method. According to Syafi'iyah practicing both propositions is better than completely ignoring one of them.
ANALISIS PUTUSAN VERSTEK KUMULASI ISBAT NIKAH DAN CERAI GUGAT (Studi Perkara Nomor: 135/Pdt.G/2022/PA.Pbg) Nurhidayattulloh, M.; Huda, Misbahul
Khuluqiyya: Jurnal Kajian Hukum dan Studi Islam Vol. 6 No. 1 (2024)
Publisher : Sekolah Tinggi Agama Islam Al-Hikmah 2

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56593/khuluqiyya.v6i1.122

Abstract

One of the problems in marriage law is divorce which is preceded by the practice of unregistered marriage. The decision with number: 135/Pdt.G/2022/Pa.Pbg is interesting to examine because it is the first verdict on the cumulative isbat marriage and divorce lawsuit at the Purbalingga Religious Court. The focus of the problem in this research is how the judge’s legal considerations are in the case of cumulating marriage isbat and divorce lawsuits in Decision Number: 135/Pdt.G/2022/Pa.Pbg and what the normative juridical review is. The research, including field research, is descriptive analysis using a normative juridical approach. Data collection techniques were carried out using observation, documentation and interviews. The results of the research showed that the panel of judges declared the marriage between the plaintiff and the defendant valid because they had fulfilled the requirements and terms of marriage and imposed the defendant’s talaq ba’in sughra on the plaintiff because the defendant had left the plaintiff within a period of 4 years and 9 months. The basic legal considerations used by the judge in deciding case Number: 135/pdt.g/2022/Pa.Pbg are in accordance with statutory regulations and Islamic law
Aplikasi Digital Arsip Berbasis Web Di SLB ABCD Raudlatul Jannah Menggunakan Framework Laravel Huda, Misbahul; Syafiih, M.; Karim, Abdul
Jurnal Ilmu Teknik dan Komputer Vol 8, No 1 (2024)
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jitkom.v8i1.008

Abstract

Seiring dengan berkembangnya teknologi pada masa sekarang membuat semua sistem yang ada di kalangan masyarakat apalagi sistem yang ada pada lembaga pendidikan kini menggunakan teknologi yang semakin akurat, seperti halnya sistem pengarsipan. Pengarsipan secara manual menyebabkan pengarsipan data yang kurang tertata selalu menjadi kendala, ketika akan dilakukan penilaian kinerja atau akreditasi dan lain sebagainya, mengalami kesulitan dalam mencari data. Pengarsipan dengan cara manual juga bisa menyebabkan kerusakan pada dokumen karena dari banyaknya dokumen yang tertumpuk sehingga dapat menyebabkan dokumen rusak atau hilang, dan memerlukan waktu yang cukup lama dalam proses pencarian. Oleh karena itu perlu adanya aplikasi yang dapat menjadi solusi dalam proses pengarsipan agar sistem pengarsipan tersusun dengan rapi dan baik sehingga dalam proses pencarian mudah. Aplikasi ini dirancang untuk memudahkan pengelolaan arsip data di sekolah dan meminimalisir kehilangan serta kerusakan data. Metode penelitian yang digunakan adalah metode kualitatif dengan menggunakan metode perancangan ADDIE yang terdiri dari analisis, desain, pengembangan, implementasi, dan evaluasi. Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan studi literatur. Tahap implementasi melibatkan pengujian internal dan eksternal menggunakan metode Black Box Testing. Hasil pengujian dievaluasi melalui kuesioner dengan skala penilaian. Hasil penelitian ini menunjukkan bahwa aplikasi arsip digital telah berhasil dikembangkan dan sangat layak untuk digunakan dengan persentase penilaian sebesar 86%.
Pengaruh Kredit Perbankan Terhadap Pertumbuhan Ekonomi dan Hubungannya Dengan Kesejahteraan Masyarakat Ridha, Irfan; Anjani, Mira; Huda, Misbahul; Firdaus, Mohd Raihan; Ardel, Muhammad; Zarlianda, Muhammad Revicho; Pratama, Muhammad Zaki; Kurniawan, Nauval Fajar; Saputri, Wira Ade
Madani: Jurnal Ilmiah Multidisiplin Vol 1, No 12 (2024): Madani, Vol. 1 No. 12 2024
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10472433

Abstract

This research aims to determine the effect of credit disbursed by commercial banks on economic growth in Indonesia. The independent variable is used in this research is credit while inflation, investment, infrastructure and labor as a control variable. Using the Static Data Panel method is obtained The estimation results show that the credit disbursed has a significant influence but has a negative relationship caused by unbalanced credit growth and the resulting output. Other variables that have a significant effect and have a relationship positive are inflation and investment, while infrastructure and labor are not significant affect economic growth.
PENERAPAN HUKUM PIDANA MATERIL BAGI PELAKU TINDAK PIDANA PENCURIAN SEPEDA MOTOR DALAM PUTUSAN NOMOR 284/PID.B/2020/PN JKT.UTR Mulyono, Dwi; Huda, Misbahul
IBLAM LAW REVIEW Vol. 4 No. 4 (2024): The Intersection of Law and Technology: Legal Implications of Generative AI and
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM IBLAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52249/ilr.v4i4.483

Abstract

Pencurian adalah suatu tindakan kriminal yang sering terjadi di masyarakat. Salah satu bentuk kejahatan yang telah lama ada adalah pencurian, yang meliputi pencurian biasa, pencurian dengan pemberatan, serta pencurian yang disertai kekerasan. Tingginya angka kejadian pencurian ini menimbulkan kepanikan di kalangan warga. Rasa khawatir ini muncul bukan tanpa sebab, melainkan akibat dari tingginya frekuensi tindakan pencurian yang meresahkan. Rumusan dalam penelitian ini yaitu bagaimana Penerapan hukum pidana materil bagi pelaku tindak pidana pencurian sepeda motor dalam putusan nomor 284/Pid.B/2020/PN Jkt.Utr dan bagaimanakah analisa pertimbangan hukum Hakim Hakim Pengadilan Negeri Jakarta Utara dalam menjatuhkan putusan terkait tindak pidana tindak pidana pencurian dalam putusan nomor 284/Pid.B/2020/PN Jkt.Utr. Metode penelitian yang digunakan adalah yuridis normative yaitu penelitian hukum kepustakaan yang dilakukan dengan cara meneliti bahan-bahan kepustakaan atau data sekunder. Hasil yang diperoleh dari hasil penelitian dapat mengetahui bahwa penerapan hukum pidana materiil oleh hakim pada perkara Nomor : 284/Pid.B/2020/PN Jkt.Utr telah tepat dengan terpenuhinya unsur-unsur Pasal 363 Ayat (1) Ke-4 KUHP dan telah terbukti dengan dinyatakannya terdakwa secara sah dan meyakinkan bersalah melakukan tindak pidana pencurian dalam keadaan memberatkan sebagaimana dalam dakwaan Tunggal. Dan pertimbangan hukum hakim dalam menjatuhkan pidana dalam perkara Nomor : 284/Pid.B/2020/PN Jkt.Utr telah berdasarkan pertimbangan yuridis dan dengan melihat alat-alat bukti yang sah serta aspek-aspek lainnya secara komprehensif dan pertimbangan non yuridis yaitu berkaitan dengan hal-hal yang memberatkan dan meringankan serta berdasarkan fakta-fakta dipersidangan Majelis Hakim tidak menemukan hal-hal yang dapat menghapuskan pertanggungjawaban pidana, baik sebagai alasan pembenar dan atau alasan pemaaf, maka Terdakwa harus mempertanggungjawabkan perbuatannya. Oleh karena Terdakwa mampu bertanggung jawab,
ISLAMIC PERSPECTIVE ON THE IMPLEMENTATION OF GRAVE ALMS IN KEDUNGSANA VILLAGE, PLUMBON DISTRICT, CIREBON REGENCY Syafik Muhammad; Huda, Misbahul
Al-Masail: Journal of Islamic Studies Vol. 2 No. 2 (2024): June: Al-Masail: Journal of Islamic Studies
Publisher : CV. Fahr Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61677/al-masail.v2i2.214

Abstract

This research aims to examine the Islamic perspective on the implementation of grave alms in Kedungsana Village, Plumbon District, Cirebon Regency, West Java. With a focus on the understanding and practice of the local community as well as the views of ulama and community leaders regarding the validity and procedures for carrying out the grave alms ceremony. The research method used in compiling this article is using a qualitative descriptive method, with data collection techniques through in-depth interviews and observations to describe facts about the culture of implementing grave alms. Observation results show that grave alms is a traditional celebration as a form of gratitude from the people of Kedungsana Village to the giver of good fortune, namely Allah SWT. Apart from that, grave alms also aim to build social harmony and serve as a reminder that there is nothing permanent and eternal in this world except Allah SWT. The practice of collecting and distributing infaq and grave alms in Kedungsana Village has generally been carried out appropriately and in accordance with the rules applicable in Islamic teachings.
Dinamika Keahlian dan Gender dalam Komite Audit: Dampaknya pada Manajemen Laba Huda, Misbahul; Sutrisno, Catur Ragil; Prasetiani, Titi Rahayu
Wahana Riset Akuntansi Vol 12, No 2 (2024)
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/wra.v12i2.129007

Abstract

Purpose – The research aimed to identify and assess the impact of two types of expertise—accounting and finance—along with gender in the audit committee on earnings management practices. The control variables included leverage, audit committee size, and company size.Design/methodology/approach – The research focused on 47 banking companies listed on the Indonesia Stock Exchange (IDX). The sample was chosen using purposive sampling based on specific criteria, resulting in the selection of 27 companies. Over the 2017-2021 observation period, 135 data were collected, with 2 outliers being removed, leaving 133 observations for analysis. Partial Least Square (PLS) is used as an analysis tool.Findings – Research conducted proves that expertise has a different influence on earnings management. Accounting skills have a significant positive effect while financial skills have a significant negative effect. Gender within the same committee does not significantly impact earnings management. Testing of the control variables reveals that the size of the audit committee and company size have no effect on earnings management, while leverage shows a significant negative impact.Originality/value –This research offers a new contribution in understanding the role of expertise by distinguishing the influence of accounting expertise and financial expertise. This approach offers a more in-depth understanding of the distinct roles of different expertise and audit committee gender on earnings management, particularly within the banking sector listed on the Indonesia Stock Exchange. Additionally, the study investigates leverage, audit committee size, and firm size as control variables.Research limitations/implications – The research only focuses on banking entities listed on the IDX and the observation period is 5 years. This study shows results that contradict the initial hypothesis regarding accounting expertise and gender, so that further research can examine more deeply about other factors that can influence earnings management. This can serve as a reference for various stakeholders in making more informed decisions regarding corporate governance, particularly concerning the composition and expertise of audit committee members.
Regulasi Nikah Beda Agama Dalam Sema Nomor 2 Tahun 2023 : Perspektif Maqāṣid al-Syarī‘ah Ibn ‘Āsyūr Misbahul Huda; Ida Rif’atus Sa’adah; Baihaqi, Achmad
Al-Syakhsiyyah: Journal of Law and Family Studies Vol. 6 No. 2 (2024)
Publisher : Faculty of Shariah UIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/syakhsiyyah.v6i2.9811

Abstract

In 2023 the Supreme Court issued Supreme Court Circular Letter (SEMA) Number 2 of 2023 concerning Instructions for Judges in Adjudicating Cases on Applications for Registration of Marriages Between People of Different Religions and Beliefs . SEMA sparked a polemic because it was considered discriminatory and lacked urgency. This research was conducted to explore the actual regulations for interfaith marriages in SEMA Number 2 of 2023 from the perspective of Maqāṣid Syarī'ah Ibnu 'Āsyūr. In an effort to answer the perceived discriminatory policies contained in SEMA Number 2 of 2023 the author uses 4 bases of Ibn Asyur's Maqāṣid asy-Syarī'ah. The concept of Maqāṣid ash-Syarī'ah 'Ammah and Ibn Asyur's level of Maslahah will be used to formulate and track the level of urgency in promulgating SEMA Number 2 of 2023 through the benefits contained therein. In this process the author will use the statute approach and conceptual approach, with descriptive analysis. The research results show that the urgency of promulgating SEMA Number 2 of 2023 in the Indonesian context, according to the author, is at the level of hajiyat benefits . Meanwhile, efforts to enforce or supremacy of law through SEMA Number 2 of 2023 will be less effective. Apart from that, SEMA Number 2 of 2023 is considered to be less than fully successful in providing social stability and resilience to the justice-seeking community as desired by Ibnu Asyur through legal supremacy efforts.