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Sharia Fintech as a Sharia Compliance Solution in the Optimization of Electronic-Based Mosque’s Ziswaf Management Umi Khaerah Pati; Pujiyono Pujiyono; Pranoto Pranoto
PADJADJARAN Jurnal Ilmu Hukum (Journal of Law) Vol 8, No 1 (2021): PADJADJARAN JURNAL ILMU HUKUM (JOURNAL OF LAW)
Publisher : Faculty of Law, Universitas Padjadjaran

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Abstract

Research data from the Center for Strategic Studies of Baznas on Zakat Mapping Potential Indicators (IPPZ), which analyzes the calculation of zakat potential based on sectoral and regional zakat objects, shows that Indonesia has the potential for zakat of IDR 233.8 trillion in 2019. However, only 3.5 percent of them can be managed. Therefore, Baznas has collaborated with fintech but it is not yet based on sharia. This study uses the Islamic Economic Research Method (Muamalah) with a descriptive normative approach. The results showed that the digitalization of ZISWAF through fintech was effective and the results exceeded the target. On the other hand, according to some scholars, several forms of fintech operations contain non-Islamic elements. Therefore, the Baznas agreement must explicitly state that fintech should separate ZISWAF funds from other fintech user funds so that they are not considered as float funds to be placed in BI; and do not utilize ZISWAF funds. Neither Baznas, muzakki, nor mustahik can benefit from depositing funds. Sharia fintech is a practical solution for UPZ Masjid to increase zakat inclusion. Unfortunately, Indonesia has no regulations related to sharia fintech.Fintech Syariah Sebagai Solusi Kepatuhan Syariah Dalam Pengoptimalan Pengelolaan Ziswaf Masjid Berbasis ElektronikAbstrakData penelitian Pusat Kajian Strategi Baznas tentang Indikator Potensi Pemetaan Zakat (IPPZ) yang menganalisis perhitungan potensi zakat berdasarkan objek zakat sektoral maupun regional menunjukan bahwa Indonesia memiliki potensi zakat mencapai nilai  Rp233.8 Triliun pada tahun 2019 namun hanya 3,5 persen yang dapat dikelola, oleh karenanya Baznas telah melakukan kerjasama dengan fintech namun belum berbasis syariah. Penelitian ini menggunakan Metode Penelitian Ekonomi Islam (Muamalah) dengan pendekatan deskriptif normatif. Hasil penelitian menunjukkan bahwa digitalisasi ZISWAF melalui fintech berjalan efektif dengan hasil penghimpunan melampaui target namun menurut sebagian ulama, beberapa bentuk operasional fintech mengandung unsur yang melanggar prinsip syariah, oleh karenanya, dalam perjanjian Baznas harus secara tegas menyebutkan agar fintech memisahkan dana ZISWAF dengan dana pengguna fintech lain sehingga tidak dipertimbangkan sebagai dana float yang akan ditempatkan pada BI, tidak mendayagunakan dana ZISWAF, serta baik Baznas, muzakki maupun mustahik tidak mengambil keuntungan dari pendepositan dana, Fintech Syariah merupakan solusi praktis bagi UPZ Masjid agar dapat meningkatkan inklusi zakat, namun di Indonesia belum ada regulasi terkait fintech syariah.Kata Kunci: baznas, fintech syariah, ziswaf masjid.DOI: https://doi.org/10.22304/pjih.v8n1.a3
Performance Evaluation of a Community-Scale Fiberglass Anaerobic Digester for Biogas and Nutrient Recovery Rahmat Sabani; Ari Handono Ramelan; Pranoto Pranoto; Mohammad Masykuri
Advance Sustainable Science Engineering and Technology Vol. 8 No. 3 (2026): May - July
Publisher : Science and Technology Research Centre Universitas PGRI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26877/asset.v8i3.2422

Abstract

The management of organic waste using an anaerobic reactor offers the potential for renewable energy production and nutrient recovery. This study evaluates the performance of a 3,000 L fiberglass anaerobic reactor designed to treat a mixture of kitchen waste, cow manure, and water in a 1:1:1 ratio. The process was conducted under mesophilic conditions (30–38 °C) over a 40-day batch cycle. The reactor produced a total of 63.75 m³ of biogas with an average methane content of 59.3%, equivalent to 0.193 m³ CH₄/kg VS. Additionally, the system produces approximately 2,700 kg/month of liquid effluent and 900 kg/month of stabilized solids. These results demonstrate the efficiency of substrate bioconversion and the potential for utilizing residues as organic fertilizer. This study emphasizes the technical feasibility of using a community-scale fiberglass reactor for organic waste treatment with measurable performance parameters.
DAMPAK BAGI WANPRESTASI SEBAGAI AKIBAT DARI PERLUASAN MAKNA PERBUATAN MELAWAN HUKUM Adina Mutiara Tirta; Pranoto Pranoto
Jurnal Privat Law Vol 14, No 1 (2026): JANUARI - JUNI
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v14i1.58215

Abstract

This article aims to analyze about the effect of broaden comprehension of tort on breach of contract, hence it aims to give its explanation to public. This study uses doctrinal methods with the nature of prescriptive and applied research. The approach used is the statute approach and conseptual approach using sources in the form of primary and secondary legal materials. While some of legal materials collection technique in this research is by using the method of browsing through the internet media which is then followed by analysis techniques using grammatical and systematic interpretation techniques. The result of this study indicates that broaden of torts’ definition does affect breach of contract, it shows breach of contract is part of torts. It does indicate one who fails to take action of agreement could be considered as a violation of others’ subjective rights and violation of the norms.
IMPLIKASI PUTUSAN MAHKAMAH KONSTITUSI NOMOR 18/PUU-XVII/2019 TERHADAP HAK EKSEKUTORIAL JAMINAN FIDUSIA Safitri Saraswati; Pranoto Pranoto
Jurnal Privat Law Vol 13, No 2 (2025): JULI-DESEMBER
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v13i2.53167

Abstract

This article aims to knowing the implications of the Constitutional Court Decision Number 18/PUU-XVII/2019 on the executorial rights of fiduciary guarantees. This research is normative legal research or literature law research with a statute approach and a case approach. The nature of this research uses analytical descriptive, namely a method that serves to describe a picture of the object under study through the data that has been collected. The data used are secondary data. The technique used in the collection of legal materials in this study is to collecting or collect legal material and download legal material. This study uses the method of analysis of legal materials by interpretation.Based on this research, it is found that the existence of the Constitutional Court Decision Number 18/ PUU-XVII/2019 implications for the existence and executorial rights of fiduciary guarantees; debtors become more arbitrarily in using collateral and creditors will think again in providing loans with fiduciary guarantees.
PERLINDUNGAN HUKUM MEREK BATIK PADA PENGRAJIN BATIK GIRILAYU, MATESIH, KARANGANYAR Zuliana Ayu Sholihah; Pranoto Pranoto
Jurnal Privat Law Vol 14, No 1 (2026): JANUARI - JUNI
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v14i1.58556

Abstract

Legal writing aims to find out the obstacles, solutions, implementation of trademark registration and legal protection among Girilayu Batik Craftsmen. The empirical research is descriptive in nature with the location of Girilayu village, Matesih district, Karanganyar regency. Data collection techniques used interviews and collection of legal materials. Qualitative data analysis techniques. The results of the study explain the obstacles for Girilayu Batik Craftsmen, namely non-normative barriers, the absence of information on brand rights and limited funds; normative barriers, long registration process. While the legal protection that the Girilayu Batik Craftsmen get is when they have registered and have issued a trademark certificate. Solutions for non-normative barriers, empowering SMEs of the Karanganyar Regional Government in the form of KI socialization, assisting the legalization of IP and brand consulting services. The solution to normative barriers is the revision of Law Number 20 of 2016 concerning Marks and Geographical Indications so that trademark registration is shorter.
PERLINDUNGAN HUKUM BAGI NASABAH DALAM TRANSAKSI GADAI OLEH LEMBAGA GADAI SWASTA YANG BELUM MEMILIKI IZIN DI INDONESIA Resti Remandha; Pranoto Pranoto
Jurnal Privat Law Vol 14, No 1 (2026): JANUARI - JUNI
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v14i1.58378

Abstract

This article aims to analyze and examine the legal protection for customers in pawn transactions by private pawnshops that do not have a license in Indonesia which is expected to provide insight for the wider community. This research is a prescriptive normative legal research with a statutory approach and a conceptual approach. The type of data used is secondary data which includes primary legal materials and secondary legal materials. While the data collection technique in this research is by using the method of browsing through the internet media which is then followed by analysis techniques using grammatical, historical, and systematic interpretation techniques. The results of this study indicate that the legal protection obtained by customers who use pawn transactions at private pawn institutions that do not yet have a permit is based on the agreement made by the pawning institution with the customer itself. Although they do not get protection from the Financial Services Authority as the supervisor of the pawning institution, customers get legal protection based on the laws in force in Indonesia. If the customer is harmed due to a default or unlawful act committed by the private pawnshop, the customer has the authority to file a lawsuit to the local District Court and if there are criminal elements such as fraud or embezzlement, the customer can also report the act to the Police. Thus, customers have legal protection and legal certainty to achieve justice.
ANALISIS ASPEK YURIDIS KEBIJAKAN RESTRUKTURISASI KREDIT DALAM MASA PANDEMI CORONAVIRUS DISEASE 2019 PADA USAHA MIKRO, KECIL, DAN MENENGAH DI PT. BPR SURYA UTAMA SUKOHARJO Putri Indrawati Utama; Pranoto Pranoto
Jurnal Privat Law Vol 13, No 2 (2025): JULI-DESEMBER
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v13i2.52830

Abstract

This article aims to analyze the juridical aspect nof credit restructuring as attempt of saving non perfoming loan due to Covid-19 in the implementation of credit restructuring in PT. BPR Surya Utama Sukoharjo. This research method is empirical legal research with a qualitative approach. The legal materials used are primary legal materials and secondary legal materials. The technique of collecting data by interviews with employees of PT. BPR Surya Utama Sukoharjo. Data analysis by means of data collection, data reduction, data presentation, data verification and drawing conclusions. The result of research shows that PT. BPR Surya Utama Sukoharjo provides credit restructuring to UMKM debtors through several stages according to Peraturan Otoritas Jasa keuangan Nomor 48/POJK.03/2020. The policy provides justice and legal benefits but does not provide legal certainty. Because there are still uncertain clauses.
PERLINDUNGAN HUKUM TERHADAP EMERGENCY CONTACT DALAM PINJAMAN ONLINE PEER TO PEER LENDING Irma Nurul Okisari; Pranoto Pranoto
Jurnal Privat Law Vol 13, No 2 (2025): JULI-DESEMBER
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v13i2.52755

Abstract

This article aims to examine the legal protection of Emergency Contacts in online credit transactions. This research is a normative legal research with a perspective which using primary and secondary legal materials. The data collection technique which is used in this study is an act and case approach. Data analysis in this study used systematic, grammatical and historical techniques. The legal problem that arises is how debt collector collect the debt when debt payment failure happened in online credit transactions carried out by debtors. Sometimes, billing method which is used are using harsh words even with intimidation, so that affecting Emergency Contacts. The problem solution of emergency contacts needs to be provided with legal protection both externally and internally