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All Journal As-Salam: Jurnal Studi Hukum Islam & Pendidikan Cakrawala Hukum : Majalah Ilmiah Fakultas Hukum Universitas Wijayakusuma 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 AKADEMIK EKONOMI DAN MANAJEMEN The Indonesian Journal of International Clinical Legal Education Mahkamah: Jurnal Riset Ilmu Hukum
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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Penjualan Minyak Oplosan dalam Perspektif Hukum Ekonomi Syariah dan Perlindungan Konsumen: Studi Kasus Minyakita Aura Nur Halizah; 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.v2i2.4989

Abstract

Cooking oil is an essential necessity for society, prompting the government to introduce Minyakita with a set Maximum Retail Price (HET) to maintain price stability and availability. However, in practice, various fraudulent activities have been found in the distribution of cooking oil, one of which is the sale of adulterated oil mixed with low-quality oil or harmful substances. This practice not only financially harms consumers but also poses serious health risks. From the perspective of Sharia Economic Law, selling adulterated oil is categorized as tadlis (fraud), gharar (uncertainty), maysir (harmful speculation), and dharar (consumer harm), which contradict the principles of Islamic trade. Meanwhile, under consumer protection law, this practice violates Law No. 8 of 1999 on Consumer Protection and other regulations related to food safety standards. This study employs a normative legal research method with a qualitative approach through literature studies. The findings indicate that strict government oversight, consumer education, and stricter law enforcement are necessary to prevent the circulation of adulterated cooking oil. Synergy between regulators, business actors, and society is crucial to ensuring fair transactions in accordance with Sharia principles and consumer protection laws.
Implementasi Investasi Syariah Dalam Prespektif Hukum Ekonomi Islam Diva Sabrina; 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.v2i2.4991

Abstract

This article discusses the implementation of sharia investment from the perspective of Islamic economic law. Sharia investment is one form of economic activity based on Islamic principles. The main objective of sharia investment is to gain profit while prioritizing the welfare of the people and avoiding all forms of transactions that are prohibited in Islam, such as usury, gharar, and maysir. This article discusses the legal basis of sharia investment, sharia investment products, and the rules and principles that must be considered in investing according to sharia. In addition, it also discusses the role and challenges faced in the implementation of sharia investment in Indonesia. The results of the study show that sharia investment has a strong legal basis in Islam, both in the Quran and Hadith. Common sharia investment products offered include sharia mutual funds, sukuk, and sharia stocks. The implementation of sharia investment in Indonesia faces various challenges, such as lack of public understanding, minimal sharia products available, and the need for synchronization of related regulations. This article concludes that sharia investment has great potential to be developed in Indonesia as an alternative investment that is in accordance with Islamic principles. Efforts to improve public understanding, product development, and regulatory harmonization are steps that need to be taken to encourage the growth of the sharia investment industry in Indonesia. Artikel ini membahas implementasi investasi syariah dalam perspektif hukum ekonomi Islam. Investasi syariah merupakan salah satu wujud dari kegiatan ekonomi yang berdasarkan prinsip-prinsip Islam. Tujuan utama dari investasi syariah adalah untuk memperoleh keuntungan dengan tetap mengedepankan kemaslahatan umat dan menjauhi segala bentuk transaksi yang dilarang dalam Islam, seperti riba, gharar, dan maysir. Dalam artikel ini, dibahas mengenai landasan hukum investasi syariah, produk-produk investasi syariah, serta aturan dan prinsip-prinsip yang harus diperhatikan dalam berinvestasi secara syariah. Selain itu, juga diulas mengenai peran dan tantangan yang dihadapi dalam implementasi investasi syariah di Indonesia. Hasil penelitian menunjukkan bahwa investasi syariah memiliki dasar hukum yang kuat dalam Islam, baik dalam Al-Quran maupun Hadits. Produk-produk investasi syariah yang umum ditawarkan antara lain reksa dana syariah, sukuk, dan saham syariah. Implementasi investasi syariah di Indonesia menghadapi berbagai tantangan, seperti kurangnya pemahaman masyarakat, minimnya produk syariah yang tersedia, serta perlunya sinkronisasi peraturan terkait. Artikel ini berkesimpulan bahwa investasi syariah memiliki potensi besar untuk dikembangkan di Indonesia sebagai alternatif investasi yang sesuai dengan prinsip-prinsip Islam. Upaya peningkatan pemahaman masyarakat, pengembangan produk, serta harmonisasi regulasi merupakan langkah yang perlu dilakukan untuk mendorong pertumbuhan industri investasi syariah di Indonesia.
PRINSIP KEHATI-HATIAN DALAM PERBANKAN DAN AKAD MURABAHAH Rimarshanda Anugrahita; 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.v2i2.5048

Abstract

Islamic banking, as an integral part of the national financial system, possesses distinctive characteristics that differentiate it from conventional banking, particularly in its adherence to the principles of Islamic law. One of the fundamental principles that must be upheld by Islamic financial institutions is the prudential principle. This principle serves not only as a risk control mechanism but also as a reflection of the moral and legal responsibilities of financial institutions toward their customers and society at large. This paper aims to examine the implementation of the prudential principle within Islamic banking contracts, particularly in murabahah financing contracts, and to explore the urgency of legal protection for customers as the more vulnerable party in contractual relationships. The research applies a normative juridical approach by analyzing relevant legislation and combining it with conceptual and philosophical insights, particularly Gustav Radbruch’s theory of justice, which emphasizes legal certainty, justice, and utility. The findings reveal that although prudential principles are formally regulated, the practical application still presents potential imbalances and vulnerabilities for customers. Therefore, the prudential principle must be implemented substantively through transparent, accountable, and consumer-oriented governance. Consistent and comprehensive application of the prudential principle will not only strengthen public trust in Islamic financial institutions but also serve as a vital foundation for the stability and sustainability of the Islamic banking sector in Indonesia.
DAMPAK GAGAL BAYAR (DEFAULT) SUKUK IJARAH PT BERLIAN LAJU TANKER TERHADAP INVESTOR DAN PASAR KEUANGAN SYARIAH Salsabila Putri Tsarwah; 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.v2i2.5092

Abstract

Sukuk Ijarah is a certificate that contains the name of the owner and symbolizes ownership of assets that aim to be leased, or ownership of benefits, and or ownership of services according to the number of securities purchased in the hope of getting profit from the rental proceeds that are successfully realized based on ijarah transactions. In addition to Islamic bonds being able to benefit, Islamic bonds can also pose a risk, one of which is the risk of default. PT Berlian Laju Tanker, Tbk (BLTA) is one of them, this incident certainly has a significant impact on investors and the credibility of the Islamic financial market in Indonesia. Therefore, this article discusses the impact of PT Berlian Laju Tanker's sukuk ijarah default on investors and Islamic financial markets. The method used in this research is a descriptive qualitative approach, using secondary data from journals and sources. The results showed that this default was caused by the application of a fixed interest system in the ijarah reward scheme which is contrary to the principle of profit sharing in Islamic finance as well as the use of sukuk funds to pay old debts, not for productive activities. The impact of this incident includes financial losses for investors, decreased trust in sukuk, and reduced liquidity in the Islamic financial market. In addition, this case has encouraged regulators such as the Financial Services Authority (OJK) and the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) to tighten regulations to improve transparency and investor protection in sukuk issuance
PERLINDUNGAN HUKUM DALAM TRANSAKSI NONTUNAI BERBASIS QUICK RESPONSE CODE INDONESIAN STANDARDS (QRIS) BERDASARKAN PERSPEKTIF HUKUM PERBANKAN Adelia Dara Sasra; Baidhowi Baidhowi
JURNAL ILMIAH NUSANTARA Vol. 2 No. 4 (2025): Jurnal Ilmiah Nusantara Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jinu.v2i4.5030

Abstract

The Quick Response Indonesian Standard (QRIS) is the national standard for QR-Code-based payments, and it has been enforced by Bank Indonesia and ASPI beginning January 1, 2020. The industrial era 4.0 has brought about a considerable revolution in the payment system through the adoption of digital technologies. In order to facilitate the digitalization of payment systems and financial inclusion, particularly for Indonesia's MSME sector, this study intends to investigate legal protection in QRIS digital payment transactions. The UNGGUL concept (Universal, Easy, Profitable, and Direct) is used by QRIS to integrate different kinds of QR codes into a single system that makes non-cash transactions easier across a range of industries. But as society grows more reliant on digital payment methods, new legal issues and hazards arise that need for explicit consumer protection, data security, and service provider accountability. In order to provide a doctrinal perspective and implementation practices of regulations related to consumer protection in QRIS transactions, which require a strong legal basis and adequate protection mechanisms to ensure security and legal certainty for users, this study employs a normative legal method with a conceptual approach to analyze pertinent secondary legal materials, including government regulations, Bank Indonesia and OJK documents, and banking law literature.
EFEKTIVITAS LEMBAGA PENJAMIN SIMPANAN DALAM MELINDUNGI DANA NASABAH PERBANKAN DI INDONESIA Sheila Aida Fitriani; Baidhowi Baidhowi
JURNAL ILMIAH NUSANTARA Vol. 2 No. 4 (2025): Jurnal Ilmiah Nusantara Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jinu.v2i4.5031

Abstract

. In response to the financial crisis that hit Indonesia in the late 1990s, the Deposit Insurance Agency (LPS) was established based on Law Number 24 of 2004. The main objective of LPS is to maintain the integrity of the national financial system and protect consumers by providing deposit guarantees. This study aims to assess the extent to which the role of LPS in handling bankrupt banks and guaranteeing consumer funds has been implemented, especially considering the difficulties caused by the digital transformation in the banking industry. This study examines several laws and regulations and how the LPS function is implemented in practice using normative legal research methodology and regulatory regulation methodology. The research findings show that LPS has succeeded in carrying out its strategic tasks, including processing claims in a timely, transparent, and coordinated manner with authorities including the OJK and Bank Indonesia. However, there are still difficulties, especially in terms of managing the dynamics of digital banks, the increasing threat of cybercrime, the complexity of deposit products, and shortcomings in institutional capacity and public education. Therefore, LPS must update the laws and regulations on guarantees, increase socialization to the public, and improve technical readiness. This action is necessary to ensure that LPS can continue to protect customer funds as effectively as possible and actively contribute to maintaining the stability and trust of the banking system in the digital era.
KEDUDUKAN HUKUM SURAT KUASA MEMBEBANKAN HAK TANGGUNGAN DALAM PEMBERIAN FASILITAS KREDIT PEMILIKAN RUMAH SUBSIDI Fajar Galih Mangku Samudra; Baidhowi Baidhowi
JURNAL ILMIAH NUSANTARA Vol. 2 No. 4 (2025): Jurnal Ilmiah Nusantara Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jinu.v2i4.5163

Abstract

This study aims to understand and analyze the legal position of the power of attorney used to enforce mortgage rights in order to provide subsidized house ownership credit. This pertains to both Article 15 paragraph 5 of Law Number 6 of 1994 concerning Mortgage Rights, which provides an exception regarding the time period for the power of attorney to guarantee certain credit, and Regulation of the Minister of Agrarian Affairs and Spatial Planning or the Head of the National Land Agency of the Republic of Indonesia Number 22 of 2017, which establishes the time limit for using this power of attorney. Using original data from field research, this paper employs an empirical legal method. With a population and a deliberate non- random sampling procedure, the approach is descriptive analytical. The study's conclusions indicate that the power of attorney to impose mortgage rights functions as a guarantee to the creditor as well as a license given to the mortgage holder or another individual to act on behalf of the mortgage grantor before the PPAT throughout the process of imposing mortgage rights. Article 1276 of the Civil Code states that if the debtor defaults or makes late payments, the creditor may take legal action to enforce the agreement, claim damages, or terminate the arrangement with compensation.
Investasi Emas Digital Di Indonesia Berdasarkan Prinsip Hukum Ekonomi Syariah Nazla Arliva Rahman; Baidhowi Baidhowi
JURNAL ILMIAH NUSANTARA Vol. 2 No. 4 (2025): Jurnal Ilmiah Nusantara Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jinu.v2i4.5201

Abstract

Digital gold investment is growing rapidly as a modern investment alternative that combines financial technology (fintech) with conventional commodities. However, from a sharia economic law perspective, this investment faces a number of serious challenges. The main issues include the requirement for physical gold ownership underlying digital transactions, the clarity of the sharia contract used, and weak regulation and supervision of fintech platforms. Additionally, legal and Islamic risks also arise from the security of third-party storage and the low level of public literacy regarding Islamic investment principles. This article examines these challenges in depth and provides recommendations to strengthen the legal and Islamic foundations of digital gold investment.
Legalitas dan Mekanisme Crowdfunding Syariah dalam Perspektif Hukum Islam Hana Reswara Ardiana; Baidhowi Baidhowi
Mahkamah : Jurnal Riset Ilmu Hukum Vol. 2 No. 3 (2025): Juli : Mahkamah : Jurnal Riset Ilmu Hukum
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/mahkamah.v2i3.805

Abstract

The development of digital technology has brought various innovations to the financial system, one of which is sharia crowdfunding. As a form of technology-based fundraising based on sharia principles, this mechanism aims to avoid elements of usury, gharar, and maysir which are prohibited in Islam. This article discusses the legal aspects and operational mechanisms of sharia crowdfunding from the perspective of Islamic law and regulations in Indonesia. By using a qualitative research method based on literature analysis, sharia crowdfunding has a strong legal basis through the fatwa of the National Sharia Council-Indonesian Ulema Council (DSN-MUI) and the regulations of the Financial Services Authority (OJK). In practice, sharia crowdfunding uses various contracts such as mudharabah, musyarakah, and wakalah bil ujrah to ensure fair and transparent transactions. Although it has promising prospects, challenges such as lack of sharia financial literacy, limited specific regulations, and digital security aspects are still major obstacles in its implementation. Therefore, collaboration between regulators, industry players, and the community is needed to encourage a more inclusive and sustainable sharia crowdfunding ecosystem.
PENGARUH PENGGABUNGAN TIGA BANK SYARIAH BUMN TERHADAP PERTUMBUHAN DAN STABILITAS INDUSTRI PERBANKAN SYARIAH DI INDONESIA Ashilah, Nyimas Anindya Raisa; Baidhowi Baidhowi
JURNAL ILMIAH RESEARCH STUDENT Vol. 2 No. 2 (2025): September
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jirs.v2i2.6000

Abstract

Islamic banks emerge as an alternative financial system that is free from usury and operates based on Sharia principles. However, the Islamic banking industry in Indonesia still faces challenges in terms of competitiveness and efficiency. To address these challenges, the government through the Ministry of State-Owned Enterprises BUMN merged three state-owned Islamic banks, namely Bank Syariah Mandiri, BNI Syariah, and BRI Syariah into Bank Syariah Indonesia BSI in 2021. The unification process required time and the right strategy to integrate three banks with different work cultures, operational systems, and policies. This integration affects the growth and stability of the Islamic banking industry in Indonesia. This study employs a qualitative method with a descriptive approach. Data were obtained through a literature review of legislation, academic journals, and relevant scientific articles. As a strategic step, this merger is expected to strengthen Islamic banking to become more competitive both nationally and globally. Continuous innovation and capital structure reinforcement are necessary to support the growth of a Sharia-based economy.
Co-Authors Adelia Dara Sasra Ahmad Munawar Nuril Ibtisan Amelia Vega Anggun Gadiza Rahma 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 Cica Vadilla Citra Azra Amalia Davina Fathiya Wulandari Putri Martono Delon Arthur Wijaya Diva Sabrina Eva Maya Sari Faiq Fatih Alwan Fajar Galih Mangku Samudra Fannya Vidi Arsya Fitria Damayanti Hana Reswara Ardiana Indriana Firdaus Kayla Achri Salsabila Kurnia Fitri Rahma Dani Lady Swytty Olivia Br Panjaitan Maglyn Angel Stefanny Mashwa Elfa Muhammad Rizieq Muhammad Sabil Oktaviano Nabila Nur Aini Nabilla Alya Rahmah Nafoura Maharani Arl Nala Sofil Mubbarod Nazla Arliva Rahman Nisrina Zahrani Zahirah Nita Amalia Zaidan Noor Hamzah Syihabuddin Nugroho, Abyasa Abrar Nur Rofi Dwianti Nurfadilla Risa Aulia Rafka Raditya Kurniawan Rimarshanda Anugrahita Rizqiya Lailatul Izza Salsabila Putri Tsarwah Sann Satriatama Satrio Bagus Mukti Wibowo Sheila Aida Fitriani Shelomitha Azalia Widyaningrum Syakira Edriamarsha Firdaus Zainurohmah Zainurohmah Zora Rafi, Berlian Daliani