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Socio-Legal Research: Integration of Normative and Empirical Juridical Research in Legal Research Afif Noor
Jurnal Ilmiah Dunia Hukum VOLUME 7 ISSUE 2 APRIL 2023
Publisher : PDIH Untag Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35973/jidh.v7i2.3154

Abstract

Legal research is a method used by legal experts to develop legal knowledge. Legal experts have different opinions in explaining the definition of legal science due to differences in opinion in placing legal science as part of social science related to how to apply the law in the practice of legal science is a sui generis science as a practical discipline that establishes standard procedures and guidelines for implementing legal regulations or applied research that has a prescriptive character. The difference in placing the science of science has given birth to the study or field of legal research into normative juridical research and empirical juridical research. Each of these fields has advantages and disadvantages. Therefore, to obtain a comprehensive legal review result, methodological integration is required through an approach called socio-legal research. Socio-legal research is not the same as empirical juridical research, both in the sociology of law and sociological jurisprudence. Socio-legal research is a combination of legal research and social studies of law. Socio-legal research has its objectives and scope, which do not merely look at the law in its empirical questions but also carry out critical academic analysis of the law.
Regulation of Sharia Information Technology-Based Peer-To-Peer Financing Services in POJK No. 10/POJK.05/2022 Noor, Afif; Wulandari, Dwi
ADLIYA: Jurnal Hukum dan Kemanusiaan Vol 17, No 1 (2023): ADLIYA: JURNAL HUKUM DAN KEMANUSIAAN
Publisher : Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/adliya.v17i1.21887

Abstract

The regulation of Sharia Information Technology-Based Peer to Peer Financing Services (LPBBTI) is essential for its operational and supportive role in creating a prudent Sharia LPBBTI ecosystem. In July 2022, the Financial Services Authority issued a new regulation, Financial Services Authority Regulation No. 10/POJK.05/2022, which replaced the previous one. This research analyses the legal relationship, operational procedures, and protection of Sharia LPBBTI users under the latest regulation. The study applied normative juridical research and used relevant legal materials obtained through document studies. The findings reveal that POJK No. 10/2022 regulates the legal relationships between parties and protects service users but does not restrict the relationship between recipients and organisers of Sharia LPBBTI. Additionally, the regulation does not provide alternative dispute resolution mechanisms outside the court and only applies to licensed Sharia LPBBTI operators, leaving illegal operators outside its scope.Pengaturan Layanan Pembiayaan Bersama Berbasis Teknologi Informasi Syariah (LPBBTI) sangat signifikan sebagai pijakan operasional dan untuk mendukung ekosistem LPBBTI syariah yang prudent. Pada bulan Juli 2022, Otoritas Jasa Keuangan menerbitkan Peraturan Otoritas Jasa Keuangan (POJK) No. 10/POJK.05/2022 yang menggantikan POJK No. 77/POJK.01/2016. Fokus kajian dalam studi ini adalah bagaimana hubungan hukum, operasional, dan perlindungan hukum pengguna LPBBTI syariah diatur dalam peraturan terbaru tersebut? Penelitian ini tergolong dalam penelitian yuridis normatif dengan meng­guna­kan data sekunder yang dilakukan melalui studi dokumen. Dari hasil analisis kualitatif meng­hasilkan temuan bahwa POJK No. 10 Tahun 2022 telah mengatur hubungan hukum para pihak tetapi tidak mengatur hubungan hukum antara penerima dana dengan penye­leng­gara LPBBTI syariah. Adapun beberapa hak pengguna layanan diatur sebagai bentuk per­lindungan hukum. Namun di sisi lain, POJK No. 10 Tahun 2022 tidak menyediakan alternatif penyelesaian sengketa di luar pengadilan. Aturan yang terdapat dalam POJK No. 10 Tahun 2022 bersifat teknis dan hanya mengatur penyelenggara LPBBTI syariah yang resmi, sehingga tidak mencakup penyelenggara LPBBTI ilegal.
Overcoming Regulatory Hurdles in the Indonesian Crowdfunding Landscape Noor, Afif; Marzuki, Ismail; Saputro, Edy; Habib, Muhammad Akmal
Volksgeist: Jurnal Ilmu Hukum dan Konstitusi Vol. 6 Issue 2 (2023) Volksgeist: Jurnal Ilmu Hukum Dan Konstitusi
Publisher : Faculty of Sharia, Universitas Islam Negeri (UIN) Profesor Kiai Haji Saifuddin Zuhri Purwokerto, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/volksgeist.v6i2.9447

Abstract

With the exponential rise in crowdfunding, several pertinent issues have come to the fore. These include unauthorized access to personal data, exorbitant interest rates for funding recipients, and investor fund security concerns. Other issues, such as aggressive debt collection practices and misuse of donated funds, also warrant attention. The underdeveloped state of crowdfunding regulations in Indonesia, which offers insufficient legal certainty and protection, is often blamed for these issues. Thus, a thorough examination of the legal and regulatory framework governing crowdfunding in Indonesia is crucial. This study scrutinizes the legal norms, identifies, and harmonizes the diverse regulations applicable to crowdfunding in Indonesia. The findings underscore the necessity for enhancements in the laws and regulations pertinent to crowdfunding. Key areas of focus should include establishing a legal status for crowdfunding platforms, setting fair interest rates, fortifying investor fund security mechanisms, penalizing illegal crowdfunding activities, and intensifying oversight of fund usage in donation-based crowdfunding schemes. Equally crucial is the imposition of penalties for regulatory breaches in crowdfunding, reflecting a genuine commitment towards ensuring justice and legal certainty in all crowdfunding transactions.
THE STRATEGIC ROLE OF BTN SYARIAH MARGONDA IN THE REALIZATION OF A USURY-FREE MURABAHA MORTGAGE AT PT. ABC GROUP: ANALYSIS BASED ON ISLAMIC LAW Damanik, Ade Zuki; Noor, Afif; Ichrom, Mohamad
istinbath Vol. 23 No. 2 (2024): December
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v23i2.888

Abstract

This study aims to analyze the application of the murabaha contract in the BTN Syariah Margonda Home Ownership Credit (KPR) product from the perspective of Islamic law. In the face of increasing demand for usury-free housing, BTN Syariah offers a solution through the murabaha contract, which guarantees home financing without involving the element of interest. Through cooperation with PT ABC Group, BTN Syariah Margonda provides a more transparent and fair financing alternative for the community. This research method uses a normative-empirical approach with interviews, observations, and documentation studies. The results show that the application of the Murabaha contract at BTN Syariah Margonda is in accordance with Sharia principles, where the profit margin is determined from the start, and the installments are fixed throughout the payment period. However, the main challenge is the need for a more public understanding of the differences between sharia and conventional mortgages. Nevertheless, the murabaha contract provides a positive impact in the form of financial certainty for customers and supports stable financial planning without being trapped in usury practices. This research also identifies the need to increase public education on the advantages of Sharia-based financing and the importance of the role of property developers who fully implement Sharia principles.
Membangun Kultur Penegak Hukum Yang Berintegritas Dalam Penegakan Hukum Afif Noor
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 1 No. 6: Mei 2022
Publisher : CV. Ulil Albab Corp

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

Abstract

Dalam sistem hukum terdapat tiga pilar penting yang wajib ada dalam upaya melakukan penegakan hukum, yaitu substansi (peraturan perundang-undangan), struktur (aparat penegak hukum) dan kultur (budaya hukum). Berdasarkan teori tersebut kultur merupkan salah satu faktor yang dapat mempengaruhi penegakan hukum yang dilakukan oleh para aparat penegak hukum (hakim, jaksa, polisi dan advokat). Hukum tidak akan tegak manakala aparat hukumnya tidak berintegritas. Oleh karenanya, diperlukan berbagai upaya untuk mewujudkan aparat hukum yang berintegritas tersebut antara lain melalui penciptaan kultur yang mendukung agar penegak hukum mempunyai sikap, nilai dan cara pandang yang benar dalam mengemban tugas menegakkan hukum demi terwujudnya kesejahteraan masyarakat. Tulisan ini menampilkan upaya mewujudkan penegak hukum yang berintegritas tersebut yang harus dimulai pada saat proses pendidikan dan pengaturan kode etik sebagai pijakan tingkah laku dalam menjalankan profesi sebagai aparat penegak hukum.
Maximizing Charitable Endowments for Healthcare: Maqasid Shariah Perspectives from Wahbah Zuhaili and Shariah Economic Laws Compilation Anwar, Maulana; Afif Noor
Journal of Law, Politic and Humanities Vol. 4 No. 4 (2024): (JLPH) Journal of Law, Politic and Humanities (May-June 2024)
Publisher : Dinasti Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jlph.v4i4.383

Abstract

A gift is a voluntary agreement without compensation, either to heirs or other people. However, its implementation will have an impact on conflict when the grantor suffers from illness. Of course, this has different legal implications than for healthy people. This study focuses on the opinions of Wahbah Al-Zuhaili and KHES. This research method uses library research, which is qualitatively analytical through a historical approach and a statute approach. The data analysis method uses the fiqh muqaran approach. The results of the research show that first, the law of giving sick people maqasid Shariah values is found in the following aspects: protecting religion, protecting the soul, protecting the mind, protecting property, and protecting offspring. Second, Wahbah al-Zuhaili classified illness conditions as serious illness and non-severe illness. Conditions of serious illness that cause death before one year has passed, the law applies to people who are seriously ill and cause death. Meanwhile, for illnesses that are not serious or do not cause death, the grantor may commit with the recipient to pay for life until death, as stated in Article 454 paragraph 2. Third, KHES specifically includes grants for seriously ill people in articles 724–727.
Revitalization of Sharia Securities-Based Crowdfunding: A Regulatory Review and Its Impact on Halal MSME Development Noor, Afif; Arifin, Moh.; Reza Fachruddin, Mohammad
Journal of Law, Politic and Humanities Vol. 4 No. 5 (2024): (JLPH) Journal of Law, Politic and Humanities (July-August 2024)
Publisher : Dinasti Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jlph.v4i5.540

Abstract

Sharia Securities-Based Crowdfunding (Sharia SBC) has significant potential in supporting the development of halal MSMEs in Indonesia. Halal MSMEs often face limited access to conventional financing The presence of Sharia SBC, based on information technology, can serve as an alternative source of funding in accordance with Sharia principles for halal MSMEs. This study aims to examine the regulations governing Sharia SBC and its impact on the development of halal MSMEs. The research method used is a qualitative approach with descriptive analysis. Data is collected from secondary sources such as literature studies, and analysis of regulatory documents. The results indicate that mature and comprehensive regulations are crucial to support the success of Sharia SBC. Existing regulations, such as the Financial Services Authority Regulation Number 57 of 2020 amended by OJK Regulation No. 16/POJK.04/2021 of 2021 provide a basic framework for the operation of Sharia SBCs. However, challenges persist, including the lack of Sharia financial literacy among MSMEs and investors, as well as the need to enhance technological infrastructure and accessibility of the SBC platform. Properly regulated, Sharia SBCs can enhance halal MSMEs' access to capital, thereby boosting their business growth and sustainability. Optimizing regulations and improving education and infrastructure are essential to maximizing the potential of Sharia SBC in supporting the development of halal MSMEs in Indonesia.
Regulation of Halal Labeling on Indonesian MSME Food Products Based on Positive Law Masriani, Yulies Tiena; Maruf, Maruf; Noor, Afif
LAW REFORM Vol 21, No 2 (2025): Law Reform
Publisher : PROGRAM STUDI MAGISTER ILMU HUKUM FAKULTAS HUKUM UNIVERSITAS DIPONEGORO SEMARANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/lr.v21i2.66716

Abstract

Halal food has become an increasingly important concept over the past decade, driven by growing consumer awareness of the significance of halal products that comply with national positive law. However, challenges such as the high cost of halal certification and limited understanding of halal labeling remain major obstacles, particularly for micro, small, and medium-sized enterprises (MSMEs). This study aims to examine the regulation of halal labeling and its implications for consumer protection and the development of MSMEs in Indonesia. The research method employed is normative juridical, utilizing legal sources including laws and regulations. The findings indicate that Indonesia, as the country with the largest Muslim population in the world, represents a significant market for halal products. Halal labeling, as regulated by Law Number 33 of 2014 concerning Halal Product Assurance, plays a crucial role in ensuring the halal status of products for Muslim consumers. The study concludes that halal certification not only provides essential consumer protection but also opens broader access to global markets. Therefore, the government, through certification bodies such as BPJPH and MUI, plays a pivotal role in ensuring product halalness and promoting the growth of the halal industry in Indonesia.
Developing Inclusive Regulations for Muslim Disabled Entrepreneurs' Access to Sharia Fintech: Legal and Accessibility Perspectives Noor, Afif; Maruf, Maruf; Mawahib, Muhamad Zainal; Habib, Muhammad Akmal
Jurnal Ilmiah Al-Syir'ah Vol 23, No 1 (2025)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jis.v23i1.3194

Abstract

In Indonesia, Muslim persons with disabilities (PwDs) face significant barriers in accessing financial services, including Sharia-based fintech platforms. This study aims to develop inclusive regulatory strategies to enhance their access to Sharia-compliant fintech funding. Employing a normative legal approach and conceptual analysis based on maqashid sharia, the research highlights the lack of integration between digital accessibility standards such as the Web Content Accessibility Guidelines (WCAG) and current Sharia fintech regulations. The findings propose a five-part inclusive strategy grounded in the principles of justice (al-‘adālah), facilitation (al-taysīr), and the removal of hardship (raf' al-ḥaraj): identifying accessibility needs, designing adaptive regulations, enhancing human resource capacity, integrating cross-sectoral policies, and establishing participatory monitoring and enforcement. This framework not only empowers Muslim disabled entrepreneurs within Indonesia but also holds global significance, especially for Muslim minority communities in non-Muslim countries such as China. Indonesia’s experience demonstrates that inclusive Sharia fintech regulations can be framed within universal legal and ethical values, making them adaptable to diverse socio-legal contexts. This study contributes to building a more inclusive and equitable Islamic financial ecosystem that promotes dignity, empowerment, and access for all, particularly those who are socially and economically marginalized.
Regulation of Sharia Information Technology-Based Peer-To-Peer Financing Services in POJK No. 10/POJK.05/2022 Noor, Afif; Wulandari, Dwi
ADLIYA: Jurnal Hukum dan Kemanusiaan Vol. 17 No. 1 (2023): ADLIYA: Jurnal Hukum dan Kemanusiaan
Publisher : Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/adliya.v17i1.21887

Abstract

The regulation of Sharia Information Technology-Based Peer to Peer Financing Services (LPBBTI) is essential for its operational and supportive role in creating a prudent Sharia LPBBTI ecosystem. In July 2022, the Financial Services Authority issued a new regulation, Financial Services Authority Regulation No. 10/POJK.05/2022, which replaced the previous one. This research analyses the legal relationship, operational procedures, and protection of Sharia LPBBTI users under the latest regulation. The study applied normative juridical research and used relevant legal materials obtained through document studies. The findings reveal that POJK No. 10/2022 regulates the legal relationships between parties and protects service users but does not restrict the relationship between recipients and organisers of Sharia LPBBTI. Additionally, the regulation does not provide alternative dispute resolution mechanisms outside the court and only applies to licensed Sharia LPBBTI operators, leaving illegal operators outside its scope.Pengaturan Layanan Pembiayaan Bersama Berbasis Teknologi Informasi Syariah (LPBBTI) sangat signifikan sebagai pijakan operasional dan untuk mendukung ekosistem LPBBTI syariah yang prudent. Pada bulan Juli 2022, Otoritas Jasa Keuangan menerbitkan Peraturan Otoritas Jasa Keuangan (POJK) No. 10/POJK.05/2022 yang menggantikan POJK No. 77/POJK.01/2016. Fokus kajian dalam studi ini adalah bagaimana hubungan hukum, operasional, dan perlindungan hukum pengguna LPBBTI syariah diatur dalam peraturan terbaru tersebut? Penelitian ini tergolong dalam penelitian yuridis normatif dengan meng­guna­kan data sekunder yang dilakukan melalui studi dokumen. Dari hasil analisis kualitatif meng­hasilkan temuan bahwa POJK No. 10 Tahun 2022 telah mengatur hubungan hukum para pihak tetapi tidak mengatur hubungan hukum antara penerima dana dengan penye­leng­gara LPBBTI syariah. Adapun beberapa hak pengguna layanan diatur sebagai bentuk per­lindungan hukum. Namun di sisi lain, POJK No. 10 Tahun 2022 tidak menyediakan alternatif penyelesaian sengketa di luar pengadilan. Aturan yang terdapat dalam POJK No. 10 Tahun 2022 bersifat teknis dan hanya mengatur penyelenggara LPBBTI syariah yang resmi, sehingga tidak mencakup penyelenggara LPBBTI ilegal.