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<![CDATA[PERLINDUNGAN HUKUM BAGI PEMEGANG POLIS DAN/ ATAU PESERTA ASURANSI JIWA DALAM AKAD WAKALAH BIL UJRAH PRODUK UNIT LINK SYARIAH ]]>
<![CDATA[Nugraheni, Destri Budi]]>;
<![CDATA[Ilhami, Haniah]]>
<![CDATA[ Jurnal Media Hukum Vol 20, No 2 (2013) ]]>
Publisher : <![CDATA[Fakultas Hukum Universitas Muhammadiyah Yogyakarta ]]>
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<![CDATA[Syariah unit link life insurance is Syariah Insurancâs product that provide benefits and investment protection by allowing participants to choose the type of investment themselves. This product is abainding by the regulations, including the obligation to implement syriah principle. One form of akad that is used in this product is akad wakalah bil ujrah which authorizes the insurance company to manage the charity fund and investment funds. Legal protection for policyholders and/or participants should be implemented in the insurance policy specifically related to legal protection in the event of a loss in risk management activities and/or investment management activities caused by the willful misconduct, negligence, or breach of contract made by the Company Keywords : wakalah, syariah insurance, legal protection]]>
<![CDATA[ANALISIS FATWA DEWAN SYARIAH NASIONAL TENTANG WAKALAH, HAWALAH, DAN KAFALAH DALAM KEGIATAN JASA PERUSAHAAN PEMBIAYAAN SYARIAH ]]>
<![CDATA[Destri Budi Nugraheni]]>
<![CDATA[ Jurnal Media Hukum Vol 24, No 2 (2017): December ]]>
Publisher : <![CDATA[Fakultas Hukum Universitas Muhammadiyah Yogyakarta ]]>
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DOI: 10.18196/jmh.2017.0088.124-136
<![CDATA[The objective of this research is to analyze the Fatwa of Dewan Syariah nasional (Syariah National Board) concerning Wakalah, Hawalah, and Kafalah so that whether it can be applied in the activities of islamic finance company. This is a juridical normative research and focused on analyzing secondary data, specifically in 2 (two) types of Legal material, Primary and Secondary Legal Matrerials. Furthermore, all data will be analyzed and presented descriptevely. This research shows that, regarding Wakalah, the Fatwa about Wakalah and Wakalah bil Ujrah are in conformity with activities by Islamic Finance Company Service. Wakalah was used as Complementary Agreement in Murabahah Financing with Islamic Finance Company as Principal. In the other side, Fatwa concering Wakalah bil Ujrah used when Islamic Finance Company take a position as Grantee. Even though Financial Service Authority’s Regulation specify that service activities may use Hawalah and Kafalah Agreement, but based on this research’s analysis about Fatwa and Fikih, only Hawalah bil Ujrah and Kafalah bil Ujrah that may be used by Islamic Finance Company.]]>
<![CDATA[ANALISIS YURIDIS MULTI AKAD DALAM PEMBIAYAAN PENGALIHAN HUTANG PADA PT BANK BRISYARIAH ]]>
<![CDATA[Destri Budi Nugraheni]]>
<![CDATA[ Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada Vol 27, No 2 (2015) ]]>
Publisher : <![CDATA[Fakultas Hukum Universitas Gadjah Mada ]]>
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DOI: 10.22146/jmh.15895
<![CDATA[PT Bank BRISyariah Bank uses two types of multiple akad in take over financing which are 3 (three) independent akad: akad qardh, purchase agreement, and akad murabahah, and the other one is akad hawalah wal murabahah which are also a multiple akad, a combination between akad hawalah and akad murabahah. Akad qardh used as a basis for granting loans to customers to repay the loan at a conventional bank, and then customer and purchase agreement to sell its assets which are no longer bound as collateral, to the bank. Customer then sell the assets through murabaha financing agreement. PT Bank BRISyariah menggunakan dua jenis multi akad dalam transaksi pengalihan hutang yaitu tiga akad yang berdiri sendiri yaitu akad qardh, perjanjian jual beli, dan akad pembiayaan murabahah, serta akad hawalah wal murabahah yang juga merupakan multi akad, perpaduan akad hawalah dan akad murabahah. Akad qardh digunakan sebagai dasar pemberian pinjaman kepada nasabah untuk melunasi kreditnya di bank konvensional, selanjutnya nasabah dengan perjanjian jual beli menjual asetnya yang sudah tidak lagi terikat sebagai jaminan hutang, kepada bank syariah. Hasil penjualan digunakan nasabah untuk melunasi qardh-nya kemudian menjual aset melalui akad pembiayaan murabahah, sehingga Bank berhak mendapatkan margin keuntungan.]]>
<![CDATA[Pengaturan dan Implementasi Wasiat Wajibah di Indonesia ]]>
<![CDATA[Destri Budi Nugraheni]]>;
<![CDATA[Haniah Ilhami]]>;
<![CDATA[Yulkarnain Harahab]]>
<![CDATA[ Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada Vol 22, No 2 (2010) ]]>
Publisher : <![CDATA[Fakultas Hukum Universitas Gadjah Mada ]]>
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DOI: 10.22146/jmh.16229
<![CDATA[This normative and empirical legal research analyses the nature of compulsory will (wasiyah al-wajib) according to the Compilation of Islamic Law and its implementation in Islamic court trial. We will also discuss a number of legal consideration deliberated by the judges when rendering a verdict in a compulsory will case. Penelitian hukum normatif dan empiris ini akan menganalisis sifat pengaturan wasiat wajibah dalam Kompilasi Hukum Islam dan implementasinya dalam pengadilan agama. Penelitian ini juga akan membahas beberapa pertimbangan hukum yang digunakan hakim ketika mengeluarkan putusan dalam suatu kasus pemberian wasiat wajibah.]]>
<![CDATA[Urgensi Penggunaan Mediasi dalam Penyelesaian Perkara Pembatalan Perkawinan di Pengadilan Agama ]]>
<![CDATA[Destri Budi Nugraheni]]>
<![CDATA[ Al-Manahij: Jurnal Kajian Hukum Islam Vol 14 No 2 (2020) ]]>
Publisher : <![CDATA[Sharia Faculty of State Islamic University of Prof. K.H. Saifuddin Zuhri, Purwokerto ]]>
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DOI: 10.24090/mnh.v14i2.4177
<![CDATA[The annulment of marriage is one of the exception cases within the obligation of using mediation based on the Supreme Court Regulation No. 1 of 2016. However, after 2016, there was the annulment of marriage court decisions still used mediation for its settlement. The aim of this research is to analyze the urgency of using mediation within the annulment of marriage settlement in the Religious Court and its relevance with upholding justice for justice seekers. The method of this research is juridical normative through analyzing the secondary data namely regulations and court decisions on annulment of marriages either with or without mediation. The results showed that there was no single successful mediation in resolving cases of marriage annulment and there was no difference in the reasons for filing a case between decisions using mediation or without mediation. Regarding the function of mediation that claims to give justice for justice seekers and reduce the accumulation of cases in the Supreme Court, it can be concluded that cases of marriage annulment should not use mediation in the settlement of the case, because it is related to the legality of a marriage, not related to marital disputes.]]>
<![CDATA[HARMONISASI REGULASI OLEH OTORITAS JASA KEUANGAN SYARIAH PADA AKAD MURABAHAH (ANALISIS TERHADAP STANDAR PRODUK MURABAHAH) ]]>
<![CDATA[Haniah Ilhami]]>;
<![CDATA[Hartini]]>;
<![CDATA[Destri Budi Nugraheni]]>
<![CDATA[ Mimbar Hukum Vol 33 No 2 (2021): Mimbar Hukum ]]>
Publisher : <![CDATA[Faculty of Law, Universitas Gadjah Mada ]]>
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DOI: 10.22146/mh.v33i2.2429
<![CDATA[Abstract Identifying the sharia issues in the Akad of Murabahah as one of the products of Syariah Bank, The Financial Services Authority (OJK) published the Standards of Product in Syariah Bank for Murabahah, which harmonizing several regulations and policies on Murabahah. The authors evaluate the Standards, specifically for the Akad of Murabahah in House Ownership, by conducting normative research on regulations and legal documents. The authors concluded 3 (three) suggestions for future developments in the Standards, which are first, detailed provisions need to be formulated in the Regulation of OJK ( POJK) or Circulation of OJK (SEOJK) in terms of the integration of ownership standard in the Akad of Murabahah with or without Wakalah. Secondly, there are provisions on the marginal standardization, and the last is the determination of actual costs that banks can collect in the implementation of rescheduling or rollover to Murabahah customer who is unable to pay. Abstrak Otoritas Jasa Keuangan (OJK) berupaya mengidentifikasi isu syariah dalam beberapa produk bank syariah, salah satunya adalah pada Akad Murabahah. Untuk itu OJK telah mengeluarkan buku Standar Produk Murabahah, yang di dalamnya terdapat upaya OJK untuk melakukan harmonisasi regulasi dan kebijakan. Terhadap harmonisasi regulasi yang dilakukan OJK untuk mengatasi isu syariah pada akad murabahah tersebut, penulis melakukan evaluasi dan masukan khususnya ketika akad murabahah dikaitkan dengan Kepemilikan Rumah. Penelitian dilakukan dengan studi dokumen terhadap regulasi di bidang perbankan syariah khususnya menyangkut murabahah dalam kepemilikan rumah. Hasil evaluasi menunjukkan bahwa upaya harmonisasi yang dilakukan oleh OJK masih memerlukan aturan yang lebih rinci dalam bentuk Peraturan OJK (POJK) atau Surat Edaran OJK (SEOJK) yang memberikan acuan standar terkait kepemilikan rumah dalam akad murabahah tanpa wakalah dan akad murabahah dengan wakalah. Selanjutnya, diperlukan pula ketentuan standardisasi margin pada murabahah kepemilikan rumah. Contoh aturan lebih rinci adalah perlunya penetapan biaya riil yang dapat dipungut bank dalam pelaksanaan rescheduling atau roll over pada nasabah murabahah kepemilikan rumah yang tidak mampu bayar.]]>
<![CDATA[The Implications of the Heir Determination on Heirs Died at the Time the Stipulation is Filed ]]>
<![CDATA[Vista, Pranedya Alinea]]>;
<![CDATA[Nugraheni, Destri Budi]]>
<![CDATA[ Jurnal Bina Mulia Hukum Vol. 8 No. 2 (2024): Jurnal Bina Mulia Hukum Volume 8 Number 2 March 2024 ]]>
Publisher : <![CDATA[Faculty of Law Universitas Padjadjaran ]]>
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DOI: 10.23920/jbmh.v8i2.1415
<![CDATA[Proof of being an heir is required in the process of transferring the heir's inheritance. One proof of being an heir is the determination of the heir, who has the right to inherit by a religious court. However, there are disparities in the three judges decisions in determining heirs who have died when the decision is submitted. This article aims to analyze the basis for the judge's considerations in giving different positions to heirs who have died at the time the decision is requested, and the implications for the transfer of inheritance. This research is normative legal research by analyzing secondary data in the form of court decisions and supplemented by interviews with various sources. The research results were then analyzed qualitatively.The research results show that the judge relied on Article 174 KHI in determining heirs who had died when the application was submitted as heirs. This is appropriate, because it is in accordance with the concept of munashakah in jurisprudence, namely handingover the share of an heir who has died to the person who inherited it because he died after the testator and before the distribution of inheritance was carried out. Another determination does not determine an heir who has died as an heir because the heir is revealed by the heir's biological child. The implication of determining an heir for an heir who has died is that it is necessary to determine another heir for the heir who has died.This is because there are conditions that are not met for the inheritance process, namely the identity (KTP) of the heir who has died.died because there are requirements that are not fulfilled for the process of inheritance assets transfer.]]>
<![CDATA[Child Protection Post the New Marriage Law: How Indonesian Religious Court Interpreting the Urgency in Child-age Marriage ]]>
<![CDATA[Ilhami, Haniah]]>;
<![CDATA[Nugraheni, Destri Budi]]>;
<![CDATA[Wijayanta, Tata]]>
<![CDATA[ Jurnal IUS Kajian Hukum dan Keadilan Vol. 11 No. 1: April 2023 : Jurnal IUS Kajian Hukum dan Keadilan ]]>
Publisher : <![CDATA[Magister of Law, Faculty of Law, University of Mataram ]]>
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DOI: 10.29303/ius.v11i1.1054
<![CDATA[The amendment of the Law of Marriage in 2019 introduces the new concept of Dispensation of Marriage by providing some additional provisions: the obligations to provide the urgency of marriage and the specific supporting evidence in proving the urgency. This article aims to examine the interpretations of judges in Religious Court on defining the urgency of child-age marriage and the implementation of the supporting evidence in cases of Dispensation of Marriage. Based on the identification, the author analyzes the main questions about the protection of children's rights on those interpretations. Based on the normative legal research that examines the Rulings of Religious Court on the case of Dispensation of Marriage, this article uses the Nonprobability Sampling techniques, specifically the purposive sampling which refers to certain criteria, the author finds the inconsistencies in the interpretation of the urgency of marriage and the implementation of providing the supporting evidence, which influenced by 2 (two) factors, the Formal Regulation and the principle of judge’s independence. As a result, the author suggests detailed regulations regarding the supporting medical evidence, as well as the improvement of comprehensive and equal understanding for judges about the concept of child protection. Comparing to previous studies, this article shows its originality through a broader object study and comprehensive research analysis with more emphasis on juridical aspect, therefore that arguments and conclusions are built on a strong analytical foundation.]]>
<![CDATA[Asas Ijbari Dalam Penetapan Hakim Tentang Bagian Waris Saudara Ketika Mewaris Bersama Anak Pewaris (Studi Kasus Pengadilan Agama Balikpapan Tahun 2016-2023) ]]>
<![CDATA[Firdaus, Reisha Putri Nur Shabrina]]>;
<![CDATA[Nugraheni, Destri Budi]]>
<![CDATA[ Al-Mashlahah: Jurnal Hukum Islam dan Pranata Sosial Vol 11 No 02 (2023): Al-Mashlahah: Jurnal Hukum Islam dan Pranata Sosial Islam ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Al Hidayah Bogor ]]>
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DOI: 10.30868/am.v11i02.4990
<![CDATA[Penelitian ini bertujuan untuk mengetahui dan menganalisis penetapan hakim tentang bagian waris saudara ketika mewaris bersama anak pewaris. Tujuan penelitian ini untuk mengetahui dan mengkaji dasar pertimbangan hakim dalam memutuskan saudara mendapat warisan serta meninjau putusan tersebut dari asas ijbari. Data hasil penelitian ini dianalisis dengan cara kualitatif dan disajikan secara deskriptif. Berdasarkan hasil penelitian dapat disimpulkan, pertama, Pengadilan Agama Balikpapan menggunakan dasar pertimbangan dalam memutus saudara mendapat waris mengacu pada KHI, namun hal tersebut bertentangan dan tidak sesuai denga nisi pasal yang ada pada KHI. Kedua, Majelis Hakim dalam memutus perkara mengenai saudara sebagai ahli waris yang berhak menggunakan asas ijbari, namun ditafsirkan dalam batasan membagi waris sesegera mungkin dan apabila dibahas mengenai unsur ijbari maka putusan tersebut tidak sesuai dengan unsur asas ijbari. Ketiga, implikasi putusan hakim terhadap harta peralihan apabila harta berupa uang maka dapat langsunng dilaksanakan sesuai dengan putusan yang ada ataupun dapat disimpangi oleh para pihak itu sendiri. Ketika harta waris berupa tanah, apabila para pihak menyepakati untuk mengikuti putusan maka dapat melanjutkan proses ke kantor pertanahan, namun apabila para pihak memiliki kesepakatan sendiri diluar putusan pengadilan, maka ada proses lagi yang harus ditempuh yaitu dengan membuat surat keterangan waris baru oleh PPAT yang kemudian untuk diajukan ke kantor pertanahan]]>
<![CDATA[Analisis Asas-Asas Umum Pemerintahan yang Baik dalam Pemeriksaan dan Penegakan Pelaksanaan Jabatan PPAT ]]>
<![CDATA[Alex Habib Rahman]]>;
<![CDATA[Destri Budi Nugraheni]]>
<![CDATA[ Notaire Vol. 8 No. 1 (2025): NOTAIRE ]]>
Publisher : <![CDATA[Fakultas Hukum Universitas Airlangga ]]>
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DOI: 10.20473/ntr.v8i1.61590
<![CDATA[Penelitian ini bertujuan untuk menganalisis Asas-asas umum Pemerintahan yang Baik dalam pemeriksaan dan penegakan pelaksanaan Jabatan PPAT, serta menganalisis apakah perdamaian para pihak terkait pelapor dan terlapor (PPAT) dapat menghentikan pemeriksaan atas pengaduan pelanggaran kepada Majelis Pembina dan Pengawas PPAT Daerah. Jenis penelitian adalah penelitian yuridis normatif, yang dilatarbelakangi oleh Putusan PTUN Nomor 20/G/2020/PTUN.PBR, Putusan PTTUN Medan Nomor 10/B/2021/PTTUN-MDN, Putusan Mahkamah Agung Nomor 337/K/TUN/2021 mengenai pemeriksaan Jabatan PPAT, Majelis Hakim menyatakan bahwa MPPD harus melaksanakan pembinaan dan pengawasan sesuai Asas-asas umum Pemerintahan yang Baik. Penelitian ini dilakukan dengan menganalisis data sekunder berupa teori, konsep, asas hukum serta peraturan hukum yang berhubungan dengan pokok bahasan serta dilengkapi dengan wawancara kepada Narasumber. Hasil penelitian selanjutnya dianalisis secara kualitatif. Hasil penelitian yaitu pertama, Asas-asas umum pemerintahan yang baik (AUPB) harus konsisten diterapkan dalam pengawasan dan penegakan hukum terhadap PPAT. MPPD Rokan Hulu melanggar prinsip AUPB seperti kepatuhan hukum dan kecermatan, termasuk tidak sesuai prosedur dan mengabaikan fakta. Pembatalan tindakan MPPD oleh hakim menunjukkan perlunya perbaikan prosedur dan kepatuhan hukum. Kedua, Perdamaian antara pelapor dan terlapor diharapkan menghindari konflik berkepanjangan, namun tidak menghapus tanggung jawab hukum PPAT. MPPD harus menegakkan hukum dan mempertimbangkan perdamaian dalam menentukan sanksi, sesuai Peraturan Menteri Agraria Nomor 2 Tahun 2018. Jika MPPD merekomendasikan pemberhentian tanpa mengikuti prosedur dan mempertimbangkan perdamaian, hal ini dapat melanggar peraturan. Evaluasi tindakan MPPD diperlukan untuk memastikan keadilan dan akuntabilitas.]]>
