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All Journal YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam As-Salam: Jurnal Studi Hukum Islam & Pendidikan Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Jurnal Ilmiah Research Student Maslahah: Jurnal Manajemen dan Ekonomi Syariah JURNAL MULTIDISIPLIN ILMU AKADEMIK Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Ilmiah Nusantara Jurnal Ilmiah Multidisiplin Ilmu Jurnal Intelek Insan Cendikia JURNAL AKADEMIK EKONOMI DAN MANAJEMEN The Indonesian Journal of International Clinical Legal Education Desentralisasi: Jurnal Hukum, Kebijakan Publik, Dan Pemerintahan Mahkamah: Jurnal Riset Ilmu Hukum Jurnal Hukum, Administrasi Publik dan Negara
Baidhowi Baidhowi
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Social Sciences Other

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REKONSTRUKSI AKAD MURABAHAH (STUDI AKAD MURABAHAH DI BMT SM NU PEKALONGAN) Baidhowi Baidhowi
YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam Vol 8, No 2 (2017): Yudisia
Publisher : Program Studi Hukum Keluarga Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/yudisia.v8i2.3237

Abstract

This research tries to answer the question on how the implementation of akad murabahah (murabahah agreement) in BMT NU Pekalongan? Is there any requirement which possibly violating the agreement? And how is the solution so that the agreement complies with syari’ah? This is a descriptive qualitative research. Both primary and secondary data were collected through documentation. Data were analyzed in three steps: reduction, display and verification. Result shows that: 1. There are two kinds of agreement of murabahah in BMT NU Pekalongan: with wakalah and without wakalah. The implementation of murabahah in BMT NUPekalongan is complicated in its contract. There are at least four kinds of agreements, namely: murabahah loan, rent agreement, ijarah contract, and loan. 2. In the murabahah agreement with wakalah, there is some requirement which is not complied with shari’ah namely fake transaction. 3. There are two alternative of agreement reconstruction so the requirements are complied with shari’ah.
PELANGGARAN KODE ETIK PROFESI TERHADAP KEWENANGAN NOTARIS DALAM PEMBUATAN AKTA Cica Vadilla; Nabilla Alya Rahmah; Baidhowi Baidhowi
AS-SALAM Vol 12 No 1 (2023): AKTUALISASI PENDIDIKAN DAN HUKUM PADA MASYARAKAT MODERN
Publisher : LPPM STAI DARUSSALAM LAMPUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51226/assalam.v12i1.495

Abstract

Undang-Undang Nomor 2 Tahun 2014 tentang Perubahan atas Undang-Undang Nomor 30 Tahun 2004 tentang Jabatan Notaris, selanjutnya dikenal dengan UUJN, mengatur tentang kedudukan notaris. Namun, undang-undang dan peraturan ini tidak secara filosofis atau teknis mengatur peraturan rinci tentang tugas notaris. Akibatnya, tidak ada tata kelola kantor notaris, sistem administrasi kantor notaris, atau tata kelola Notaris yang berlaku secara universal yang berfungsi sebagai standar perilaku notaris. Notaris sebagai pejabat publik yang memuat akta sah yang mencakup segala kejadian atau peristiwa yang telah dilihat, dialami, dan diamati sendiri oleh Notaris sendiri. Apa yang diinginkan kedua belah pihak dalam perjanjian harus dimasukkan dalam akta notaris. Jika di kemudian hari para pihak dalam akta tersebut digugat di pengadilan, notaris sendiri memiliki tanggung jawab untuk menghadirkan bukti kekuatan yang sempurna melalui akta yang dibuatnya. Tujuan dari penelitian ini adalah menggunakan teknik penelitian hukum normatif untuk mengetahui bagaimana kewenangan dalam menangani pelanggaran kode etik notaris dan bagaimana sanksi atas pelanggaran yang dapat dikenakan kepada notaris ketika melaksanakan tugas dan menjalankan kewenangan jabatan notaris. 1. Kewenangan kelembagaan komite kode etik kehormatan penting untuk diperhatikan dalam hal ini. Undang-undang saat ini, termasuk yang berkaitan dengan Ikatan Notaris Indonesia (I.N.I) maupun Undang-undang Jabatan Notaris (UUJN), juga merupakan bagian integral dari bagaimana Dewan Kehormatan dan Dewan Pengawas melaksanakan tanggung jawab mereka dan menjalankan wewenang mereka. Dewan Pengawas dan organisasi pengawas Ikatan Notaris Indonesia (INI) bekerja sama dan bersama-sama untuk mengambil langkah-langkah yang diperlukan untuk melindungi norma-norma hukum dan kode etik lapangan. 2. Dewan Kegormatan berwenang menjatuhkan sanksi kepada Notaris yang terbukti melanggar Kode Etik. Sanksi tersebut antara lain: teguran, peringatan, schorzing (pemberhentian sementara dari keanggotaan perkumpulan), onzetting (pemberhentian dari keanggotaan perkumpulan), dan pemberhentian tidak hormat dari keanggotaan perkumpulan.
Revolusi Regulasi dalam Ekonomi Syariah: Integrasi Teknologi Digital untuk Optimalisasi Penerapan Prinsip Syariah Eva Maya Sari; Baidhowi Baidhowi
Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah Vol. 3 No. 3 (2025): September: Jurnal Nuansa : Publikasi Ilmu Manajemen dan Ekonomi Syariah
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/nuansa.v3i3.1882

Abstract

This study examines the phenomenon of the regulatory revolution in the sharia economy through the integration of digital technology to optimize the application of sharia principles. The background of this research departs from the rapid digital transformation, which requires adaptation and reform within the framework of sharia economic regulations to remain relevant and responsive to the challenges of the times. Using a qualitative approach that combines normative-doctrinal analysis and empirical case studies, this study aims to explore how current regulatory developments, the role of digital technology, as well as legal innovation challenges and opportunities arise in the implementation of sharia principles. The results of the study show that the integration of digital technology not only increases efficiency and transparency in the application of sharia principles, but also raises new problems related to the adaptation of conventional legal frameworks. Therefore, cross-sector collaboration and adaptive regulatory reform are needed to optimize the potential of the sharia economy in the digital era.
Kasus Bank Syariah Indonesia (BSI) dan Perlindungan Hukum terhadap Nasabah dalam Perspektif Hukum Ekonomi Syariah Ayu Nabila Kusuma; Baidhowi Baidhowi
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 2 No. 4 (2025): Agustus
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v2i4.5046

Abstract

Abstract. Bank Syariah Indonesia (BSI) as a sharia-based financial institution has an important role in providing banking services in accordance with Islamic principles. However, in practice, various cases involving BSI, such as service system disruptions, alleged breach of contract, and unclear customer protection, are often of public concern. This study aims to analyze cases involving BSI from the perspective of sharia economic law, with a focus on legal protection for customers. The approach used in this study is normative by examining sharia banking regulations in Indonesia, the fatwa of the National Sharia Council-Indonesian Ulema Council (DSN-MUI), and the principles of sharia maqashid that are oriented towards justice and the welfare of the people. Keywords: Bank Syariah Indonesia, Islamic economic law, customer protection, Islamic maqashid, Islamic banking regulations. Abstrak. Bank Syariah Indonesia (BSI) sebagai lembaga keuangan berbasis syariah memiliki peran penting dalam menyediakan layanan perbankan yang sesuai dengan prinsip-prinsip Islam. Namun, dalam praktiknya, berbagai kasus yang melibatkan BSI, seperti gangguan sistem layanan, dugaan wanprestasi akad, serta ketidakjelasan perlindungan nasabah, sering kali menjadi perhatian publik. Penelitian ini bertujuan untuk menganalisis kasus-kasus yang melibatkan BSI dari perspektif hukum ekonomi syariah, dengan fokus pada perlindungan hukum bagi nasabah. Pendekatan yang digunakan dalam penelitian ini adalah normatif dengan mengkaji regulasi perbankan syariah di Indonesia, fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI), serta prinsip-prinsip maqashid syariah yang berorientasi pada keadilan dan kesejahteraan umat. Kata Kunci: Bank Syariah Indonesia, hukum ekonomi syariah, perlindungan nasabah, maqashid syariah, regulasi perbankan syariah.
Keabsahan Kripto dalam Perspektif Hukum Ekonomi Syariah: Studi Kasus Fatwa DSN-MUI terhadap Aset Kripto Muhammad Rizieq; Baidhowi Baidhowi
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 2 No. 4 (2025): Agustus
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v2i4.5050

Abstract

Perkembangan teknologi finansial telah menghadirkan berbagai instrumen ekonomi baru, salah satunya adalah aset kripto. Namun, legalitas dan status syariah dari aset ini masih menjadi perdebatan di kalangan ulama dan akademisi hukum Islam. Penelitian ini bertujuan untuk menganalisis keabsahan aset kripto dalam perspektif hukum ekonomi syariah dengan fokus pada Fatwa DSN-MUI No. 144 Tahun 2021 serta membandingkannya dengan regulasi syariah di negara lain, seperti Malaysia dan Arab Saudi. Penelitian ini menggunakan metode kuantitatif dengan pendekatan survei dan analisis statistik deskriptif. Data dikumpulkan melalui kuesioner yang disebarkan kepada investor Muslim, akademisi, dan praktisi ekonomi syariah di Indonesia. Selain itu, penelitian ini juga menganalisis data sekunder dari laporan keuangan dan regulasi terkait aset kripto dalam hukum Islam. Hasil penelitian menunjukkan bahwa mayoritas responden setuju dengan keputusan DSN-MUI yang mengharamkan aset kripto sebagai alat tukar karena unsur gharar (ketidakpastian), dharar (kerugian), dan spekulasi berlebihan. Namun, terdapat sebagian responden yang mendukung kripto sebagai komoditas atau aset digital, selama memiliki dasar yang jelas dan sesuai dengan prinsip syariah. Dampak dari fatwa ini cukup signifikan terhadap keputusan investasi masyarakat Muslim di Indonesia, yang cenderung lebih berhati-hati dalam berinvestasi pada aset kripto. Selain itu, penelitian ini memberikan wawasan bagi regulator dan praktisi ekonomi syariah dalam merumuskan kebijakan yang lebih adaptif terhadap perkembangan teknologi finansial berbasis syariah
Keabsahan Transaksi Spaylater pada Aplikasi Shopee dalam Jual-Beli Menurut Hukum Ekonomi Syariah Bunga Pamela Anugraheni; Baidhowi Baidhowi
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 3 No. 3 (2025): Maslahah : 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.v3i3.2477

Abstract

Technological advancements in the financial sector have led to various innovations, one of which is the SPayLater service, which allows consumers to make purchases using a deferred payment or installment system. In practice, this system raises various questions regarding the validity of transactions from the perspective of Islamic Economic Law, particularly in terms of compliance with the principles of sale and purchase contracts, as well as the potential presence of riba (usury) and gharar (uncertainty).This study aims to examine the validity of SPayLater transactions by analyzing the contracts used, potential violations of the principles of murabahah, ijarah, or qardh, and the extent to which this service complies with the conditions and pillars of sharia-compliant sale and purchase. The approach used is qualitative, analyzing Islamic legal literature, fatwas issued by Indonesia’s National Sharia Council (DSN-MUI), as well as case studies of SPayLater services in Indonesia. The findings indicate that SPayLater transactions have the potential to involve riba if there are non-transparent additional charges. Furthermore, late payment penalties and unclear contracts may give rise to gharar, which could render the transaction invalid under Islamic law. Therefore, it is necessary to modify the contracts to better align with sharia principles and to enhance transparency in the payment mechanisms in order to avoid elements of riba and gharar.
DIGITALISASI PERBANKAN DAN AKSES UMKM : PELUANG DAN TANTANGAN HUKUM Syakira Edriamarsha Firdaus; Baidhowi Baidhowi
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 2 No. 2 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN  Juni
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v2i2.4769

Abstract

The digitalization of banking has created opportunities for Micro, Small, and Medium Enterprises (UMKM) in Indonesia to access financing more easily and efficiently. Through digital banking services, the loan application and disbursement processes have become faster, thereby enhancing financial inclusion for UMKM. However, the implementation of this digitalization also faces various legal challenges, such as personal data protection, the security of electronic transactions, and regulations that are not yet fully adaptive to technological developments. Therefore, a comprehensive and flexible legal framework is needed to support the synergy between banking digitalization and UMKM, to ensure the optimal use of technology and legal protection for all parties involved.
ANALISIS TINGKAT LITERASI HUKUM EKONOMI SYARIAH DI KALANGAN MAHASISWA: IMPLIKASI TERHADAP PRAKTIK KEUANGAN SYARIAH Kurnia Fitri Rahma Dani; Baidhowi Baidhowi
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 2 No. 2 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN  Juni
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v2i2.4979

Abstract

The level of sharia economic law literacy has a crucial role in influencing the implementation of the sharia financial system among students. A deep understanding of sharia economic principles, such as transparency, fairness and the prohibition of usury, encourages students to be more active in utilizing sharia-based financial services. However, the low level of literacy in this field is one of the challenges in developing the Islamic finance industry, especially among students as potential future leaders. This research aims to examine students' level of understanding of sharia economic law and its impact on sharia financial practices. The research results reveal that lack of access to practice-based education, limited information, and minimal use of digital technology are the main factors hindering increasing literacy in sharia economic law. Therefore, a comprehensive strategy is needed to increase student understanding, such as strengthening practice-based curricula, holding seminars and workshops, optimizing digital media, as well as the active role of the academic community with support from the government and the Islamic finance industry. With a systematic and sustainable strategy, increasing sharia economic legal literacy is expected to strengthen the sharia financial industry and encourage a more inclusive and just economic system.
Legalitas Akad Hybrid dalam Fintech Syariah: Studi Kasus Pembiayaan Murabahah-Ijarah dan Tantangan Hukum dalam Penyelesaiannya Nafoura Maharani Arl; Baidhowi Baidhowi
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 2 No. 2 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN  Juni
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v2i2.4980

Abstract

This study aims to analyze the legality of hybrid contracts in Islamic fintech with a focus on the combination of murabahah and ijarah contracts in the financing scheme. Hybrid contracts are an innovative solution in the Islamic financial system, but still face legal challenges, especially in legal certainty, consumer protection, and dispute resolution. This study uses the normative juridical method with a statutory approach and analysis of default cases on one of the Islamic fintech platforms in Indonesia. The results of the study show that existing regulations, such as the DSN-MUI fatwa and POJK related to Islamic fintech, have not fully provided clarity regarding the hybrid scheme, especially in terms of risk mitigation and dispute resolution mechanisms. In addition, there are still differences in interpretation in the application of hybrid contracts that can potentially cause legal uncertainty for business actors and customers. The conclusion of this study emphasizes the need for regulatory harmonization and improvement of supervisory and dispute resolution mechanisms in Islamic fintech in order to ensure the sustainability and legal certainty in the implementation of hybrid contracts.
KEABSAHAN KONTRAK DALAM EKONOMI SYARIAH: PERSPEKTIF FIQH MUAMALAH Faiq Fatih Alwan; Baidhowi Baidhowi
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 2 No. 2 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN  Juni
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v2i2.4983

Abstract

The validity of contracts in Islamic economics is one of the fundamental aspects in fiqh muamalah which functions to ensure that transactions run in accordance with Islamic principles. This study discusses the requirements for valid contracts in Islamic economics based on the provisions of fiqh muamalah, including the pillars and conditions of the contract, prohibitions in transactions (riba, gharar, and maysir), and the relevance of Islamic contract law in the modern economic system. This study also compares Islamic contracts with conventional contract law to identify the advantages and challenges in their implementation, especially in Islamic banking and business in Indonesia. With a descriptive-analytical approach, this article highlights the importance of compliance with Islamic principles in order to create a fair and just economic system.
Co-Authors Adelia Dara Sasra Adinda Aulia Adinda Zahra Ristiana Ahmad Munawar Nuril Ibtisan Aldina Rachmadian Aldira Safa Salsabela Amelia Vega Anggun Gadiza Rahma Anna Yuliana, Anna Arie Sukanti Siagian Arif Afruloh Aryasatya Yusuf Wiryawan Ashilah, Nyimas Anindya Raisa Aulia Nur Faizah Aura Nur Halizah Ayu Maharsuci Nindya Mahyudi Ayu Nabila Kusuma Bunga Pamela Anugraheni Cantika Aqilla Ghani Cantika Reika Viana Cica Vadilla Citra Azra Amalia David Frans Rafael Simorangkir Davina Fathiya Wulandari Putri Martono Dekmayudha Ananda Nursyams Delon Arthur Wijaya Dewi Zahra Setyawati Diva Sabrina Edo Munawwar Eva Maya Sari Eva Nurlita Widanti Faiq Fatih Alwan Fajar Galih Mangku Samudra Fannya Vidi Arsya Fathurrohman Nur Hidayat Fitria Damayanti Friska Adyla Naura Hana Reswara Ardiana Indriana Firdaus Kayla Achri Salsabila Kurnia Fitri Rahma Dani Lady Swytty Olivia Br Panjaitan M Faiz Fauzi Maglyn Angel Stefanny Mashwa Elfa Muhammad Arya Yalhan Muhammad Fadli Dwi Anugrah Muhammad Rizieq Muhammad Sabil Oktaviano Nabila Nur Aini Nabilla Alya Rahmah Nafoura Maharani Arl Nala Sofil Mubbarod Nazla Arliva Rahman Ni Ketut Rindu Saraswati Nisrina Zahrani Zahirah Nita Amalia Zaidan Noor Hamzah Syihabuddin Nugroho, Abyasa Abrar Nur Rofi Dwianti Nurfadilla Risa Aulia Qlarissa Melinda Rafif Gadi Maulana Rafka Raditya Kurniawan Rendy Aprilio Sulaiman Revalina Dewi Roshinta Rimarshanda Anugrahita Rizqiya Lailatul Izza Rois Faisal Amin Salsa Nabilani Salsabila Putri Tsarwah Sann Satriatama Satrio Bagus Mukti Wibowo Sheila Aida Fitriani Shelomita Azalia Widiyaningrum Shelomitha Azalia Widyaningrum Syakira Edriamarsha Firdaus Wanda Hamidah Widia Oktavia Ramdhani Zainurohmah Zainurohmah Zora Rafi, Berlian Daliani