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Pembiayaan Sindikasi Bank Syariah di Indonesia dalam Perspektif Hukum Ekonomi Syariah Ariswanto, Dery; Warang, Zedra; Azizi, Agung Wildan
J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah dan Budaya Islam Vol 6, No 2 (2021): J-Alif, Volume 6, Nomor 2, Nopember 2021
Publisher : Fakultas Agama Islam

This article aims to describe and analyze the syndicated financing of Islamic Banks in Indonesia from the perspective of Islamic Economics Law. This study uses a qualitative research method with the type of library research used to analyze the formulation of the problem in this study. The results of this study indicate that the product innovation of Islamic banking can be carried out by applying a contract that is hybrid contract or multi-contract in nature. Sharia syndicated financing products emerge in the banking on the basis of the need for large amounts of financing, so that Islamic Banks will not be able to support it alone in other words, they must cooperate with other banks. Syndication financing is allowed based on the Fatwa DSN No: 91/DSN-MUI/IV/2014. Syndicated financing in Islamic Banks generally uses the musyarakah mutanaqishah contract. Syndicated financing in Islamic Banks has accommodated the provisions of both the Sharia Banking Law, KHES, Fatwa DSN, and other related regulations. So that the implementation of syndicated financing products at Islamic Banks in Indonesia is in principle aligned with Sharia Economic Law, however it must continue to be supervised by the Sharia Supervisory Board so that there are no violations of existing regulations.

Optimalisasi Penerapan Sertifikasi Halal melalui Self Declare dalam Perspektif Kesadaran dan Kepatuhan Hukum : Studi Kasus pada Pelaku Usaha Mikro di Kabupaten Bangkalan Abd. Mughni Jamil; Dery Ariswanto
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 1 (2025): Januari : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v3i1.1744

Halal certification through the self-declaration scheme is a system designed with the aim of making it easier for micro and small businesses to receive halal certificates for the products they design. Not only makes it easier to receive halal certification but also conveys good benefits for the benefit of humanity, especially for Muslims. This system is designed to increase the number of halal-certified MSE products, thereby increasing consumer confidence and opening up opportunities for sales of halal products and competitiveness. The advantage of the halal certification application process using the self-declaration method means that the issuance of certificates is faster than using submissions through the regular mechanism. The halal certification method through self-declaration comes into effect from 2021. The original purpose of this research is to increase knowledge, enlightenment and regulatory compliance in micro-business actors in order to achieve optimization of halal certification in Bangkalan Regency. This study uses a qualitative narrative research method using a phenomenological approach in this study, the reality that exists can be understood as something that arises in the enlightenment of researchers through certain approaches and explanations, which mention how the process becomes visible and real. This study shows that there is a lack of awareness of the importance of halal certification, micro and small business actors still lack information and understanding of the halal professional allowance, so that the application of the halal professional allowance is not optimal. the original results of this study are needed to convey an illustration of how the Regional Government needs to take part in overseeing the implementation of the BPJPH Law and provide protection to business actors.

Sale Legality of Rejected Bandage on Shopee Application from The Perspective of Sharia Economic Law and Protection Law Consumer Naufal, M Taufik; Cahyono, Eko Arief; Ariswanto, Dery
Et-Tijarie Vol 8, No 1: Juni 2023
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ete.v8i1.27193

Saat ini produk reject bukanlah suatu komoditas yang diperjualbelikan di Indonesia, salah satunya adalah produk pembalut reject . Produk pembalut reject ini banyak beredar di pasaran seperti yang ada di aplikasi Shopee. Pembalut reject sendiri dijelaskan sebagai produk yang tidak lolos tahap quality control (QC) dan memiliki cacat atau kerusakan yang seharusnya tidak layak edar berdasarkan hukum di Indonesia. Dari segi hukum syariah ekonomi, pembalut reject dengan risiko bahanya ( d}arar ) terhadap kesehatan penggunanya dapat menjadi praktik jual beli yang dilarang karena sebab syarat objeknya. Meski begitu, produk pembalut reject tetap banyak beredar di masyarakat. Penelitian ini bertujuan untuk menganalisis praktik penjualan pembalut reject di Shopee dari perspektif Hukum Perlindungan Konsumen di Indonesia dan Hukum Ekonomi Syariah. Metode penelitian yang digunakan dalam penelitian adalah penelitian kualitatif dengan teknik wawancara, observasi, dan dokumentasi, serta analisis data secara deskriptif analitis berbasis pendekatan lapangan ( penelitian lapangan ). Hasil penelitian menunjukkan bahwa pembalut reject yang dijual melalui Aplikasi Shopee ialah produk yang dalam kondisi yang tidak sesuai standar produksi (rusak) yang dalam kondisi cacat dan bolong. Temuan di lapangan menjadi alasan sehingga penjualan pembalut menolak UU Perlindungan Konsumen. Dari perspektif hukum syariah ekonomi, penjualan pembalut reject dapat memberikan hukum mubah bilamana tidak menimbulkan bahaya dan risiko kesehatan pengguna secara pasti, namun apabila produk tersebut menyebabkan dampak negatif yang pasti maka praktik tersebut adalah jual beli yang dilarang. Dari perspektif d}arar hukumnya menjadi boleh karena dampak yang ditimbulkan adalah d}arar khafi , atau mad}arat yang belum pasti dampaknya.

KONSEP ETIKA DALAM KEGIATAN DISTRIBUSI MENURUT PERSPEKTIF EKONOMI ISLAM Dery Ariswanto; Siti Zubaidah; Fitria Idham Chalid; Nurhisna
Jurnal Media Akademik (JMA) Vol. 3 No. 1 (2025): JURNAL MEDIA AKADEMIK Edisi Januari
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/v3i1.1460

Tujuan dari artikel ini adalah mengkaji bagaimana konsep etika dalam kegiatan distribusi berdasarkan perspektif agama Islam. Distribusi adalah salah satu elemen penting untuk mewujudkan kesejahteraan masyarakat. Dampak yang dihasilkan dari kegiatan distribusi pendapatan tidak hanya terletak pada persoalan ekonomi semata, akan tetapi juga meliputi perihal sosial-politik. Islam menempatkan keadilan sosial sebagai tujuan utama dalam aktivitas ekonomi, dengan mekanisme berbasis moral dan etika sebagai alat untuk mencapainya, terutama dalam hal distribusi. Konsep dan teori ekonomi Islam akan dapat mengantarkan umat Islam kepada falah, yaitu sukses di dunia dan akhirat. Hasil penelitian menunjukkan bahwa distribusi dalam Islam memiliki karakteristik yang unik, di mana keadilan, kesejahteraan, dan pemerataan menjadi tujuan utama. Mekanisme distribusi seperti zakat, infak, sedekah, dan waris dirancang untuk mengurangi kesenjangan sosial dan memastikan setiap individu mendapatkan haknya. Peran etika dalam distribusi sangat penting dalam Islam, karena nilai-nilai seperti kejujuran, transparansi, dan tanggung jawab sosial menjadi landasan dalam setiap transaksi ekonomi. Studi ini menyimpulkan bahwa penerapan etika dalam distribusi dapat memberikan kontribusi signifikan dalam menciptakan masyarakat yang lebih adil dan sejahtera.

Analysis of Sharia Economic Law on the Transformation of Non-Halal Fund Management in Islamic Financial Institutions in DSN Fatwa Ariswanto, Dery; Nashrullah, M. Faiz; Sabilaturrizqi, Mashudah
Jurnal Mediasas: Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah Vol. 8 No. 2 (2025): Jurnal Mediasas: Media Ilmu Syariah dan Ahwal Al-Syakhsiyyah
Publisher : Islamic Family Law Department, STAI Syekh Abdur Rauf Aceh Singkil, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58824/mediasas.v8i2.341

Islamic financial institutions have unique characteristics that base all operations on Sharia principles, including the management of sources and uses of funds. However, in its operational practice, Islamic financial institutions are sometimes faced with the potential for receiving funds from non-halal sources. Responding to this issue, DSN-MUI issued Fatwa Number 123/DSN-MUI/XI/2018, which provides comprehensive guidance regarding the management of funds originating from the non-halal sector. The purpose of this study is to describe how to analyze the management of non-halal funds after the issuance of fatwa by the National Sharia Council of MUI No. 123/DSN-MUI/XI/2018. This research adopts a descriptive-analytical qualitative method to explore the transformation of non-halal fund management in Islamic financial institutions, which is then analyzed through the perspective of Islamic economic law to understand the implications of the practices that occur. This study concludes that the transformation of the management of non-halal funds in Islamic financial institutions after the issuance of DSN fatwa No. 123/DSN-MUI/XI/2018 shows an effort to adapt and implement the principles of Islamic economic law in separating and distributing these funds. Nevertheless, uniform implementation and a comprehensive understanding of the concept of TBDSP Funds still require strengthening in various Islamic financial institutions. Non-halal funds are funds obtained from sources that are contrary to Islamic religious principles. Non-halal funds actually cannot be recognized as an institution's income because non-halal funds come from haram and shubhat funds. Therefore, its management and distribution must be fully directed for the benefit of the ummah or social welfare. [Lembaga keuangan syariah memiliki karakteristik unik yang mendasarkan seluruh kegiatan operasionalnya pada prinsip-prinsip syariah, termasuk dalam pengelolaan sumber dan penggunaan dana. Namun, dalam praktik operasionalnya, lembaga keuangan syariah terkadang dihadapkan pada potensi penerimaan dana dari sumber yang tidak halal. Merespon hal tersebut, DSN-MUI mengeluarkan Fatwa Nomor 123/DSN-MUI/XI/2018 yang memberikan panduan komprehensif mengenai pengelolaan dana yang berasal dari sektor non halal. Tujuan dari penelitian ini adalah untuk mendeskripsikan bagaimana analisis pengelolaan dana non halal pasca dikeluarkannya fatwa Dewan Syariah Nasional MUI No. 123/DSN-MUI/XI/2018. Penelitian ini menggunakan metode kualitatif deskriptif-analitis untuk mengeksplorasi transformasi pengelolaan dana non-halal di lembaga keuangan syariah, yang kemudian dianalisis melalui perspektif hukum ekonomi Islam untuk memahami implikasi dari praktik yang terjadi. Penelitian ini menyimpulkan bahwa transformasi pengelolaan dana non-halal di lembaga keuangan syariah pasca dikeluarkannya fatwa DSN No. 123/DSN-MUI/XI/2018 menunjukkan adanya upaya adaptasi dan implementasi prinsip-prinsip hukum ekonomi syariah dalam memisahkan dan mendistribusikan dana tersebut. Namun demikian, penerapan yang seragam dan pemahaman yang komprehensif mengenai konsep dana TBDSP masih memerlukan penguatan di berbagai lembaga keuangan syariah. Dana non halal adalah dana yang diperoleh dari sumber yang bertentangan dengan prinsip-prinsip agama Islam. Dana non halal sebenarnya tidak dapat diakui sebagai pendapatan lembaga karena dana non halal berasal dari dana yang haram dan syubhat. Oleh karena itu, pengelolaan dan penyalurannya harus sepenuhnya diarahkan untuk kemaslahatan umat atau kesejahteraan sosial.]

Relation between Married Couple in Indonesian Islamic Marriage Law Perspective Human Right International Instrument Nashrullah, M. Faiz; Ariswanto, Dery; Budiawan, Ezra Junsevo
AHKAM Vol 4 No 3 (2025): SEPTEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ahkam.v4i3.6911

Indonesia's Islamic marriage law, established in 1974 and partially revised in 2019, is increasingly viewed as outdated, particularly in its regulation of spousal relationships. While the 2019 amendment addressed the legal age of marriage, other substantive aspects, especially those governing the relationship between husband and wife remain misaligned with international human rights standards. This study aims to analyze the provisions governing marital relations in Indonesia’s Islamic marriage law through the lens of international human rights instruments. Adopting a qualitative, literature-based research design, the study utilizes legislative and conceptual approaches, with a specific focus on the principle of justice as articulated in global human rights frameworks. The findings indicate that, although Indonesia’s Islamic marriage law has incorporated several principles consistent with human rights norms, it still contains provisions that perpetuate gender-based disparities. These include the formal designation of the husband as the head of the household and the wife as a homemaker, as well as imbalances in rights and responsibilities that reflect patriarchal assumptions. Such legal constructs not only conflict with gender equality but also undermine Indonesia's commitments to international human rights obligations. The study concludes by recommending further legal reform to harmonize Islamic marriage law with contemporary understandings of gender justice and human rights.

Implementasi Restorative Justice dalam Pemulihan Ekonomi Nasional: Upaya Mewujudkan Peradilan yang Humanis (Studi terhadap Rumah Restorative Justice Bojonegoro) Mukaromah, Lisa Aminatul; Cahyono, Eko Arief; Ariswanto, Dery; Anam, Khurul
UNES Law Review Vol. 6 No. 2 (2023)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i2.1483

This study focuses on efforts to determine the practice of solving criminal cases through the Restorative Justice approach at the House of Restorative Justice in Bojonegoro Regency. This research uses qualitative methods and field research to explore the concept of restorative justice and its application to the House of Restorative Justice in Bojonegoro Regency. The results of this study state that Restorative Justice is a powerful alternative paradigm for solving minor criminal cases in the community. The Bojonegoro Regency Government, together with the District Attorney's Office, collaborate in humane law enforcement through the establishment of 5 (five) House of Restorative Justices in Bojonegoro Regency located in Kauman Village and Pacul Village in Bojonegoro District, Jipo Village, Kepohbaru District, Dolokgede Village, Tambakrejo District, and Pilanggede Village, Balen District. The application of the concept of restorative Justice at the House of Restorative Justice in Bojonegoro has generally been carried out well as a form of the sense of crisis towards social problems of the community in a humane law enforcement effort. It involves the active role of village heads and local community leaders.

Aksesibilitas Program Sertifikasi Halal Gratis (SEHATI) 2025 di Kabupaten Bangkalan dalam Kerangka Keadilan Distributif Itayatul Jannah; Dery Ariswanto; Firman Setiawan
Al-Maktabah: Jurnal Studi Islam Interdisiplin Vol. 2 No. 2 (2025): August
Publisher : Syamilah Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Program sertifikasi halal gratis (SEHATI) 2025 kembali digulirkan sejumlah 1 Juta kuota dengan tujuan untuk membantu percepatan sertifikasi halal bagi pelaku usaha mikro dan kecil (UMK), meningkatkan kesadaran masyarakat terhadap pentingnya produk halal, dan mendukung target Indonesia sebagai pusat industri halal dunia. Penelitian ini menganalisis penerapan program SEHATI 2025 di Bangkalan dalam kerangka keadilan distributif serta efektivitas dan faktor yang memengaruhi keberhasilannya. Penelitian ini menggunakan metode penelitian kualitatif, jenis penelitian yang digunakan dalam penelitian ini termasuk jenis penelitian field research, Penelitian ini dilakukan secara lansung terjun ke lapangan atau tempat yang akan menjadi objek penelitian, denngan teknik pengumpulan data berupa wawancara dan dokumentasi. Penelitian ini menyimpulkan bahwa pelaksanaan Program SEHATI 2025 di Kabupaten Bangkalan belum sepenuhnya mencerminkan prinsip keadilan distributif menurut Sayyid Qutb karena masih terdapat ketimpangan akses antara pelaku usaha perkotaan dan pedesaan akibat keterbatasan sosialisasi, pendampingan, serta literasi digital; oleh karena itu, diperlukan peningkatan pemerataan informasi dan pendamping halal di seluruh wilayah, sementara penelitian selanjutnya disarankan menelaah efektivitas strategi pendampingan dan kebijakan afirmatif untuk memperkuat keadilan dalam implementasi program halal.

Aksesibilitas Program Sertifikasi Halal Gratis (SEHATI) 2025 di Kabupaten Bangkalan dalam Kerangka Keadilan Distributif Itayatul Jannah; Dery Ariswanto; Firman Setiawan
Al-Maktabah: Jurnal Studi Islam Interdisiplin Vol. 2 No. 2 (2025): August
Publisher : Syamilah Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Program sertifikasi halal gratis (SEHATI) 2025 kembali digulirkan sejumlah 1 Juta kuota dengan tujuan untuk membantu percepatan sertifikasi halal bagi pelaku usaha mikro dan kecil (UMK), meningkatkan kesadaran masyarakat terhadap pentingnya produk halal, dan mendukung target Indonesia sebagai pusat industri halal dunia. Penelitian ini menganalisis penerapan program SEHATI 2025 di Bangkalan dalam kerangka keadilan distributif serta efektivitas dan faktor yang memengaruhi keberhasilannya. Penelitian ini menggunakan metode penelitian kualitatif, jenis penelitian yang digunakan dalam penelitian ini termasuk jenis penelitian field research, Penelitian ini dilakukan secara lansung terjun ke lapangan atau tempat yang akan menjadi objek penelitian, denngan teknik pengumpulan data berupa wawancara dan dokumentasi. Penelitian ini menyimpulkan bahwa pelaksanaan Program SEHATI 2025 di Kabupaten Bangkalan belum sepenuhnya mencerminkan prinsip keadilan distributif menurut Sayyid Qutb karena masih terdapat ketimpangan akses antara pelaku usaha perkotaan dan pedesaan akibat keterbatasan sosialisasi, pendampingan, serta literasi digital; oleh karena itu, diperlukan peningkatan pemerataan informasi dan pendamping halal di seluruh wilayah, sementara penelitian selanjutnya disarankan menelaah efektivitas strategi pendampingan dan kebijakan afirmatif untuk memperkuat keadilan dalam implementasi program halal.

Optimalisasi Pengelolaan Zakat Produktif Baznas Bojonegoro melalui Program Ekonomi Kreatif Z-Chicken sebagai Sistem Pengendali Kemiskinan Eko Arief Cahyono; Dery Ariswanto; Muhammad Zaenal Abidin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.6288

The Baznas of Bojonegoro Regency plays a role in assisting poverty control and empowering the community through innovative programs that utilize productive zakat schemes. The Z-Chiken program is an innovation for empowering the less fortunate by providing business mentoring in the field of crispy chicken culinary. This research aims to assess and formulate the optimization of Baznas' role through the utilization of productive zakat to control poverty in Bojonegoro Regency, with the presence of the Z-Chiken program. This study employs qualitative research methods, aiming to elucidate the utilization of zakat funds in Baznas of Bojonegoro Regency, which has a positive impact by providing greater benefits to the less fortunate in improving family economics, and to determine the extent of Baznas' contribution to poverty control in Bojonegoro Regency.The results of this study show that the active recipients of Z-Chicken assistance in this case, which amounted to 28 mustahik people, consisted of 19 mustahik who had a family income above the Poverty Line, 8 mustahik who had a family income above Had Kifayah, and 1 mustahik who had a family income above Nisab Zakat. These business activities generate average sales of 200 kg of chicken per week. The average mustahik income increased by 105.03%, namely from the initial average of Rp790,263 to Rp1,620,176 and the highest reached 280.61% or reached Rp3,007,216. So that the optimal management of productive zakat can control the poverty rate at the individual to group level through the Z-Chicken creative economy program implemented by Baznas Bojonegoro Regency.

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