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Hukum Islam pada Imple¬mentasi Manajemen Risiko Penyelesaian Pembiayaan Bermasalah Bank Syariah Indonesia (BSI) Ismail, Yana Chaeru Taufik; Janwari, Yadi; Kamaludin Yusup, Deni; Ahmad Saebani , Beni
Journal of Comprehensive Science Vol. 3 No. 9 (2024): Journal of Comprehensive Science (JCS)
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v3i9.985

Abstract

Islamic banking continues to develop, particularly in product diversification, offering a wider variety of options that have positively impacted the public's willingness to conduct muamalah activities through Islamic banks. Various financing products provide customers with the convenience of selecting options that suit their needs. The object of this research, as explained by Husein Umar in Setiawan Santana, focuses on problematic financing, a condition where significant deviations occur in repayments, leading to delays or potential losses. Problematic financing represents a situation where loan repayment agreements face the risk of failure and tend to lead to potential losses. This study offers new insights by examining the role of Islamic law in managing problematic financing risk at Bank Syariah Indonesia (BSI). The novelty of the research lies in the further exploration of using Islamic contracts (akad) as the main foundation in regulating and resolving problematic financing. Through this approach, the research provides a fresh perspective on how Islamic banks can more effectively manage financing risks while adhering to Sharia principles. The impact of this research on Islamic banking is quite significant. The application of risk management based on Islamic law is expected to enhance public trust in Islamic banking and strengthen its stability in Indonesia. The use of akad as the legal basis in resolving problematic financing ensures transparency and fairness in line with Sharia principles. This provides protection for both customers and the bank, creating a stronger foundation for the sustainability of Islamic banking in the future.
Simplified Lawsuits in Dispute Resolution Within Sharia Economic Law in Indonesia Solihin, Dadin; Setiadi, Setiadi; Bunyamin, Bubun; Yusup, Deni Kamaludin; Ridwan, Ahmad Hasan
Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam Vol 6, No 1 (2022): Vol. 6, No. 1, October 2022
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/jua.v6i1.37265

Abstract

This research is based on the numerous disputes in Sharia economic law within Sharia Business Financial Institutions, legal aid in the field of Sharia economic law, and civil matters that have not been well resolved. The Regulation of the Supreme Court of the Republic of Indonesia (PERMA RI) No. 4 of 2019 regulates the resolution of Sharia economic law disputes in a simplified manner. However, the socialization of this regulation to the public is still lacking, causing frequent obstacles in the implementation of this PERMA RI. This research is a literature study with a juridical approach aimed at analyzing the implementation of PERMA RI in the resolution of Sharia economic cases. The primary data in this research includes PERMA RI No. 4 of 2019, PERMA RI No. 14 of 2016, PERMA RI No. 2 of 2015, and PERMA RI No. 1 of 2016. Several relevant cases are used as important data to analyze the implementation of these regulations. The results of this research show that the process of simplified lawsuits in the resolution of Sharia economic disputes, which is expected to be easier, faster, and cheaper in court, has not been realized in accordance with PERMA RI. This needs to be a concern for the Supreme Court because most Sharia economic dispute cases involve companies and the public. If the Supreme Court regulations are not properly implemented in court proceedings, it will create a space for injustice. Therefore, the socialization of these Supreme Court regulations needs to be enhanced by academics and practitioners so that their implementation in the future can be better.
Transformasi Ekonomi Nasional dan Peran Zakat dalam Mewujudkan Ketahanan dan Daya Saing Ekonomi Indonesia Efendi, Nur; Nur Ramdhan, Rahmat; Athoillah, Muhammad Anton; Yusup, Deni Kamaludin
ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah Vol. 7 No. 2 (2025): (September 2025)
Publisher : Institut Agama Islam Yasni Bungo Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51311/istikhlaf.v7i2.1202

Abstract

Zakat sebagai instrumen berbasis syariah memiliki potensi strategis dalam mengatasi ketimpangan ekonomi, memerangi kemiskinan, dan memperkuat daya saing ekonomi nasional. Artikel ini mengeksplorasi relevansi zakat dalam mendukung transformasi ekonomi menuju ketahanan dan daya saing nasional, melalui tinjauan teori ekonomi syariah dan bukti empiris dari literatur kontemporer di Indonesia. Dengan pendekatan konseptual dan kajian teks terpublikasi (laporan, jurnal, kebijakan), artikel mengidentifikasi mekanisme zakat dalam redistribusi kekayaan, pemberdayaan mustahik, dan peran institusi pengelola zakat dalam pembangunan sosial-ekonomi. Hasil kajian menunjukkan bahwa meskipun tantangan signifikan seperti rendahnya realisasi potensi zakat dan koordinasi kelembagaan zakat dapat menjadi komponen integral dalam strategi pembangunan inklusif dan berkelanjutan. Implikasi penelitian ini menekankan integrasi zakat ke dalam kebijakan ekonomi nasional serta memaksimalkan potensi zakat produktif untuk memperkuat basis ekonomi masyarakat.
Understanding the Dual Impact of Job Conflict and Work Stress on Organizational Performance Outcomes Gunariah, Frilla; Bisri, Hasan; Yusup, Deni Kamaludin; Zaky, Muhammad; Hidayatunnisa, Nurul Fadhlya
MIX: JURNAL ILMIAH MANAJEMEN Vol 15, No 3 (2025): MIX : Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jurnal_mix.2025.v15i3.017

Abstract

Objectives: Organizational changes in both internal and external environments can significantly affect employee productivity, particularly when human resources are unable to adapt effectively. This often results in workplace conflict and elevated job stress levels. This study aims to examine the impact of work conflict and job stress on employee performance at PT. Scudetto Prima Transportasi.Methodology: The research employs a descriptive-verificative method with a quantitative approach, utilizing non-probability sampling techniques on the entire employee population (75 individuals). Data were analyzed using SPSS Statistics 20.Findings: Furthermore, partial tests reveal that both independent variables independently exert a negative and significant influence on performance. These findings underscore the critical importance of effective conflict and stress management strategies in enhancing organizational productivity and employee effectiveness.Conclusion: The results indicate that work conflict and job stress have a simultaneous negative and significant effect on employee performance, accounting for 17.9% of the variance.
PENGATURAN HUKUM INVESTASI PADA SEKTOR PERDAGANGAN DENGAN SISTEM ELEKTRONIK DAN PERIZINAN USAHANYA MENURUT PERATURAN PEMERINTAH NOMOR 31 TAHUN 2023 Prayogi, Prayogi; Hendarman, Hari; Yusup, Deni Kamaludin
Public Sphere: Jurnal Sosial Politik, Pemerintahan dan Hukum Vol 5, No 1 (2026): JPS (Jurnal Sosial Politik, Pemerintahan dan Hukum)
Publisher : CV Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/jps.v5i1.2747

Abstract

This study aims to analyze the legal framework for investment in the electronic trading sector (PMSE) and its business licensing mechanisms based on Government Regulation No. 31 of 2023, the latest regulation that amends and updates regulations in the digital trading sector in Indonesia. The focus of the study is directed at the urgency of updating investment regulations in the PMSE sector, given the rapid development of the digital economy, the increasing complexity of online business models, and the growing need for legal certainty for domestic and foreign businesses. The subject of this study is considered to be relevant and worthy of research because the transformation of electronic commerce continues to raise new issues related to consumer protection, business competition, foreign investment supervision, and risk-based licensing integration. The scope of the research is limited to a normative analysis of the provisions on investment and business licensing for PMSE as stipulated in PP 31/2023 and its synchronization with related laws and regulations, including the Trade Law, the Job Creation Law, and their implementing regulations. The method used is a normative juridical approach through literature study, regulatory analysis, and doctrinal review. The results of the study show that PP 31/2023 provides significant reinforcement to the governance of PMSE investment through the confirmation of business activity classifications, adjustments to risk-based licensing schemes, and increased obligations for business actors in the implementation of licensing.ABSTRAKPenelitian ini bertujuan untuk menganalisis pengaturan hukum investasi pada sektor perdagangan dengan sistem elektronik (PMSE) serta mekanisme perizinan usahanya berdasarkan Peraturan Pemerintah Nomor 31 Tahun 2023 sebagai regulasi terbaru yang mengubah dan memperbarui pengaturan dalam sektor perdagangan digital di Indonesia. Fokus kajian diarahkan pada urgensi pembaruan regulasi investasi di sektor PMSE mengingat pesatnya perkembangan ekonomi digital, semakin kompleksnya model bisnis online, serta meningkatnya kebutuhan akan kepastian hukum bagi pelaku usaha dalam dan luar negeri. Obyek kajian ini dianggap masih aktual dan layak diteliti karena transformasi perdagangan elektronik terus memunculkan isu-isu baru terkait perlindungan konsumen, persaingan usaha, pengawasan investasi asing, hingga integrasi perizinan berbasis risiko. Cakupan penelitian dibatasi pada analisis normatif terhadap ketentuan investasi dan perizinan usaha PMSE sebagaimana diatur dalam PP 31/2023 serta sinkronisasinya dengan peraturan perundang-undangan terkait, termasuk UU Perdagangan, UU Cipta Kerja, dan regulasi pelaksanaannya. Metode yang digunakan ialah pendekatan yuridis normatif melalui studi kepustakaan, analisis peraturan, dan telaah doktrinal. Hasil penelitian menunjukkan bahwa PP 31/2023 memberikan penguatan signifikan terhadap tata kelola investasi PMSE melalui penegasan klasifikasi kegiatan usaha, penyesuaian skema perizinan berbasis risiko, serta peningkatan kewajiban pelaku usaha dalam penyelenggaraan layanan digital. Secara teoritis, penelitian ini memperkaya diskursus mengenai adaptasi hukum investasi terhadap transformasi digital. Secara praktis, hasil kajian memberikan rekomendasi bagi pemerintah, pelaku usaha, dan investor untuk mewujudkan iklim investasi elektronik yang lebih transparan, kompetitif, dan berkelanjutan.
TRANSFORMASI REGULASI PENANAMAN MODAL: IMPLIKASI PERPRES NOMOR 10 TAHUN 2021 TERHADAP SEKTOR INDUSTRI Padhilah, Piqi Rizki; Sugiarti, Lilis Diah; Yusup, Deni Kamaludin
Jurnal Ilmiah Dinamika Hukum Vol 27 No 1 (2026): Edisi April 2026
Publisher : Universitas Stikubank

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dh.v27i1.10468

Abstract

Presidential Regulation Number 10 of 2021 on Investment Business Fields introduces a fundamental transformation in Indonesia’s investment regulatory regime by replacing the previous negative list approach with a positive list system. This regulatory shift significantly affects the structure of investment liberalization, particularly in the industrial sector, which serves as the backbone of the national economy. This study aims to analyze the regulatory changes introduced by Presidential Regulation 10/2021 and examine their juridical and practical implications for the investment climate and industrial business actors. Using a normative juridical method through the analysis of legislation, policy documents, and academic literature, this research finds that the regulation enhances investment openness, expands foreign ownership, simplifies risk-based licensing, and strengthens legal certainty through the classification of priority business fields, mandatory partnerships with cooperatives/MSMEs, and conditioned business categories. However, its implementation still faces challenges, including the harmonization of sectoral regulations, regulatory–political dynamics, and the government’s supervisory capacity. Overall, Presidential Regulation 10/2021 has the potential to strengthen the attractiveness of the industrial sector and its integration into global value chains, yet its effectiveness strongly depends on consistent implementation and cross-sector policy alignment. Keywords: Presidential Regulation 10/2021, investment regulation, investment liberalization, industrial sector, investment policy.
HARMONISASI PENGATURAN HUKUM INVESTASI SURAT BERHARGA DAN INVESTASI LANGSUNG MENURUT UNDANG-UNDANG NOMOR 4 TAHUN 2023 TENTANG PENGEMBANGAN DAN PENGUATAN SEKTOR KEUANGAN (P2SK) DAN PERATURAN PEMERINTAH NOMOR 63 TAHUN 2019 TENTANG INVESTASI PEMERINTAH Makruf, Solihan; Anwari, Amalia Nur; Aula, Muhammad Iqbal; Yusup, Deni Kamaludin
Jurnal Ilmiah Dinamika Hukum Vol 27 No 1 (2026): Edisi April 2026
Publisher : Universitas Stikubank

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35315/dh.v27i1.10476

Abstract

This study is motivated by the fact that the regulation of securities investment and direct investment in Indonesia still faces legal harmonization issues between the provisions of Law No. 4 of 2023 concerning the Development and Strengthening of the Financial Sector particularly those governing the capital market and Government Regulation No. 63 of 2019 concerning Government Investment. This research aims to analyze the compatibility, substantial differences, and legal implications of the two regulations in the context of establishing an integrated and equitable investment legal system. This study applies a normative juridical approach with a descriptive analysis method. Data were collected using a literature study technique through a review of legislation, legal literature, and related policy documents. Furthermore, the data was analyzed using qualitative data analysis techniques with an emphasis on systematic interpretation and the principle of harmonization of laws and regulations. The results of this study indicate that there is still a lack of synchronization between the regulation of securities investment in the capital market and the mechanism of direct investment by the government, particularly in terms of authority, risk management, and legal accountability. The findings of this study imply the need for improvements to derivative regulations and implementation guidelines that are capable of integrating capital market legal principles with government investment policies in order to create legal certainty and effective management of national investments. Keywords: Legal Harmonization, Securities Investment, and Government Investment
Comparative Analysis of Economic Fiqh in Islamic Financial Transactions: ‎A Review of Literature from Various Madhhabs Mohamad Ghozali; Dedah Jubaedah; Deni Kamaludin Yusup
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 9 No. 2 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i2.16350

Abstract

This study analyzes the comparative interpretations of Islamic economic jurisprudence (fiqh) in financial transactions across the Hanafi, Maliki, Shafi'i, and Hanbali schools of thought. Employing a descriptive qualitative approach, data were collected from academic literature, official documents, historical sources, and expert interviews. The research focuses on key Sharia financial transactions, including murabahah, mudarabah, musyarakah, ijarah, and sukuk, to explore the diversity of fiqh interpretations. The findings reveal significant differences, with the Hanafi and Maliki madhhabs showing greater flexibility and adaptability to socio-economic contexts, while the Shafi'i and Hanbali madhhabs maintain a stricter adherence to religious texts. These differences impact the design and implementation of Sharia-compliant financial products, influencing how they align with diverse fiqh perspectives. This study concludes that such variations highlight the dynamic and adaptable nature of Islamic economic jurisprudence in addressing diverse socio-economic needs. It underscores the importance of harmonizing interpretations to support the globalization of Islamic finance, ensuring inclusivity and sustainability without compromising Sharia principles. This research provides valuable insights into the role of madhhab diversity in shaping the growth and development of Sharia-compliant financial systems.Keywords: Economic Fiqh, Islamic Financial Transactions, Madhhab Comparison, Sharia Finance.
Strengthening Financial Literacy and Inclusion in Islamic Cooperatives Through Mentorship and Counseling in Indonesia Dadang Husen Sobana; Deni Kamaludin Yusup; Vemy Suci Asih; Elsa Yulandri; Fauzi Zulfikar Ahmad
Journal of Islamic Economics and Business Vol. 4 No. 2 (2024): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v4i2.45654

Abstract

West Java has a higher Sharia financial inclusion index than the national financial inclusion index, but this is not followed by the Islamic literacy index. This study aims to measure the increase in Islamic financial literacy and inclusion in the Islamic cooperative sector (BMT/KSPPS) before and after mentoring and counseling programs related to Islamic financial inclusion and literacy in West Java communities. The method used in this study is the Community-Based Participatory Research (CBPR) Method. The type of data used is primary data, which is obtained from the results of questionnaires and interviews in the field. The objects of service are categorized into two, namely mentoring programs for administrators and members of the BMT Al Muhsinin KSPPS, and community extension programs, and members of the ta'lim council in the BMT Al Muhsinin area. The data analysis technique uses a paired sample t-test difference test, with pre and post-test data related to Islamic financial literacy and inclusion. The results showed that there were significant differences before and after the mentoring and counseling. The four clusters carried out by mentoring and counseling began to understand more deeply important aspects of Islamic cooperatives such as the role of the Islamic supervisory board, the sales and purchase contracts used, daily practices, and profit-sharing ratios. With enhanced understanding, cooperative members and the general public have better access to Islamic financial services, which in turn can improve their economic well-being and support local economic development.
Understanding the Dual Impact of Job Conflict and Work Stress on Organizational Performance Outcomes Frilla Gunariah; Hasan Bisri; Deni Kamaludin Yusup; Muhammad Zaky; Nurul Fadhlya Hidayatunnisa
MIX: JURNAL ILMIAH MANAJEMEN Vol. 15 No. 3 (2025): MIX : Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jurnal_mix.2025.v15i3.017

Abstract

Objectives: Organizational changes in both internal and external environments can significantly affect employee productivity, particularly when human resources are unable to adapt effectively. This often results in workplace conflict and elevated job stress levels. This study aims to examine the impact of work conflict and job stress on employee performance at PT. Scudetto Prima Transportasi.Methodology: The research employs a descriptive-verificative method with a quantitative approach, utilizing non-probability sampling techniques on the entire employee population (75 individuals). Data were analyzed using SPSS Statistics 20.Findings: Furthermore, partial tests reveal that both independent variables independently exert a negative and significant influence on performance. These findings underscore the critical importance of effective conflict and stress management strategies in enhancing organizational productivity and employee effectiveness.Conclusion: The results indicate that work conflict and job stress have a simultaneous negative and significant effect on employee performance, accounting for 17.9% of the variance.