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All Journal DE JURE Al-'Adalah El-Mashlahah JURISDICTIE Jurnal Hukum dan Syariah AT-TURAS: Jurnal Studi Keislaman Sakina: Journal of Family Studies Bubungan Tinggi: Jurnal Pengabdian Masyarakat Al Huquq : Journal of Indonesian Islamic Economic Law Jurnal Ilmiah Ar-Risalah: Media Ke-Islaman, Pendidikan, dan Hukum Islam Jurnal Persaingan Usaha Hakam : Jurnal Kajian Hukum Islam dan Hukum Ekonomi Islam IBDA': Jurnal Kajian Islam dan Budaya Journal of Islamic Business Law Jurnal Ilmiah Ar-Risalah: Media Ke-Islaman, Pendidikan dan Hukum Islam
Risma Nur Arifah
Universitas Islam Negeri Maulana Malik Ibrahim, Malang
Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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AKAD MUDLARABAH DALAM PRODUK PEMBIAYAAN BANK SYARIAH Arifah, Risma Nur
De Jure: Jurnal Hukum dan Syari'ah Vol 3, No 1: Juni 2011
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j-fsh.v3i1.1316

Abstract

Bank syariah start initiated in Indonesia in the early period of the 1980s. But as an institution in the international sphere has begun to bloom, the emergence of Islamic banking institutions would have been preceded by intensive study of Islamic economic experts on the application of Islamic teachings in the formation of these institutions. The author examines how the concept of capital development based on mudlarabah financing practices and the implementation of the financing products in the system of Islamic banking operation in Indonesia.Bank syariah mulai digagas di Indonesia pada awal periode 1980-an. Namun sebagai sebuah lembaga yang dalam lingkup internasional sudah mulai marak, kemunculan lembaga perbankan Islam tentu sudah didahului dengan kajian intensif dari para pakar ekonomi Islam tentang aplikasi ajaran Islam dalam pembentukan lembaga tersebut. Penulis meneliti bagaimana konsep pengembangan modal berdasarkan praktek pembiayaan mudlarabah serta penerapannya dalam produk pembiayaan dalam sistem operasional bank Islam di Indonesia.
Kendala-Kendala Pencegahan Perdagangan Pakaian Bekas Impor di Kota Malang Arifah, Risma Nur
De Jure: Jurnal Hukum dan Syari'ah Vol 7, No 1: Juni 2015
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (331.474 KB) | DOI: 10.18860/j-fsh.v7i1.3513

Abstract

Kota Malang merupakan salah satu kota dengan penjualan pakaian bekas impor dengan jumlah pedagang yang sangat besar dan tersebar di beberapa pusat perbelanjaan. Betapapun telah terdapat larangan dari Pemerintah Pusat dan himbauan dari Pemerintah Kota Malang, namun perdagangan pakaian impor bekas dengan jumlah pedagang dan konsumennya tetap semakin menjamur. Fokus penelitian dilakukan di Kota Malang, pengumpulan datanya dilakukan dengan metode interview kepada pegawai Dinas Perindustrian dan Perdagangan (DISPERINDAG) Kota Malang dan pedagang pakaian impor bekas. Hasil interview menunjukkan bahwa para pedagang sudah mengetahui adanya larangan tersebut dari berbagai sumber terutama melalui media massa, namun mereka enggan mentaatinya dengan alasan bahwa menjual pakaian bekas impor merupakan mata pencaharian mereka. Disamping itu, Dinas Perindustrian dan Perdagangan (DISPERINDAG) Kota Malang memiliki kendala untuk melakukan pencegahan antara lain; sulitnya melakukan realisasi peraturan pemerintah terhadap kondisi di lapangan sehingga upaya yang dilakukan hanya pada taraf sosialisasi, dan sulitnya mencarikan second opinion terhadap mata pencaharian pedagang.
Membuka Rahasia Bank Dalam Pembagian Harta Bersama Perspektif Maqashid Syariah Arifah, Risma Nur; Zulaichah, Siti; Nasrullah, M. Faiz
De Jure: Jurnal Hukum dan Syari'ah Vol 11, No 2 (2019)
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (828.616 KB) | DOI: 10.18860/j-fsh.v11i2.7999

Abstract

Distribution of shared assets can lead to new conflicts if one party saves his assets in a bank account. Meanwhile, Law Number 10 of 1999 concerning Banking instructs banking business operators to keep their customers' and savings data confidential. This article is doctrinal legal research with the statutory approach and the conceptual approach. The results of this study indicate that bank secrecy is an instrument of legal protection against customers from various unauthorized parties. However, in the case of joint assets, bank secrets cannot be enforced as Constitutional Court Decision Number 64 / PUU-X / 2012 because the husband or wife of the customer is also the owner of the assets held in the bank.Pembagian harta bersama dapat menimbulkan konflik baru jika salah satu pihak menyimpan hartanya di rekening bank. Sementara, Undang-Undang Nomor 10 Tahun 1999 tentang Perbankan memerintahkan pelaku usaha perbankan merahasiakan data nasabah dan simpanannya. Artikel ini bertujuan untuk mendeskripsikan dinamika regulasi rahasia bank terkait harta bersama. Artikel ini merupakan penelitian hukum doktrinal dengan pendekatan peraturan perundang-undangan dan pendekatan konsep. Hasil kajian ini menunjukkan bahwa rahasia bank merupakan instrumen pelindungan hukum terhadap nasabah dari berbagai pihak yang tidak berkepentingan. Namun, dalam kasus harta bersama, rahasia bank tidak dapat diberlakukan sebagaimana Putusan Mahkamah Konstitusi Nomor 64/PUU-X/2012. Sebab suami atau istri nasabah juga merupakan pemilik dari harta yang disimpan di bank.Kata Kunci : harta bersama; rahasia bank; maqashid shariah.
KENDALA PERUBAHAN STATUS BADAN KREDIT DESA MENJADI LEMBAGA KEUANGAN MIKRO DITINJAU DARI UNDANG-UNDANG NOMOR 6 TAHUN 2014 TENTANG DESA Fuad, A. Zaky; Arifah, Risma Nur
Ar-Risalah: Media Keislaman, Pendidikan dan Hukum Islam Vol 18 No 2 (2020): (Oktober 2020)
Publisher : Institut Agama Islam Ibrahimy Genteng Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/arrisalah.v18i2.399

Abstract

POJK Number 10/POJK.03/2016 about fulfilment rules Credit Bank of People and transformation, BKD to commit a process of Credit Bank of People explain that BKD (Village Credit Agency) an effort reinforcement institutions that have legal entities. In practice, this transformation is not easy, a recurring obstacle among others accordance asset ownership status. This research is study of empirical law with with a socilogical juridical approach, a concept approach, and a legislation approach. The results showed that the constraints of status changes that occurred in BUMDES in Genteng Subdistrict has several factors, including unclear regulations punlished by the government related to the mechanisms of transforming BKD into BUMDES, management of Human Resources (HR) which was not maximized, lack of response and support from the community. While efforts to resolve the status change constraints include the village government giving concrete understanding of the community related to changing the status of the BKD into BUMDES, uniting the vision and mission of the organizer, holding a discussion forum with several layers related and involved in the process of transferring status. While efforts to resolve constraint by Islamic law with holding a consensus deliberation for common wealth which in the end BKD in Banyuwangi Regency agreed to do cooperation between BUMDES which in this case BUMDES together trough PT. BKD Banyuwangi in order to save assets.
LEGAL POSITION OF FIDUCIARY DEEDS IN A MURABAHA CONTRACT FOLLOWING THE INDONESIAN CONSTITUTIONAL COURT DECISION NUMBER 18/PUU-XVII/2019 ON DEFAULT AGREEMENT BY CREDITORS AND DEBTORS Arifah, Risma Nur; Fidhayanti, Dwi
Jurisdictie: Jurnal Hukum dan Syariah Vol 12, No 2 (2021): Jurisdictie
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j.v12i2.12570

Abstract

This normative research aims at analyzing the legal position of fiduciary deeds in murabaha contract following the decision of Indonesian Constitutional Court No. 18/PUU-XVII/2019 on default agreement between creditors and debtors. The study applied conceptual and statute approaches. The results reveal that the fiduciary deed position after the mentioned decision is about the existing agreement carried out as it should. While for the fiduciary deed implemented after the decision exists, there must be a default agreement as a form of the decision’s implementation and anticipation if in the future the debtor does not voluntarily turn in the fiduciary object. Efforts to draw up an agreement on the clause of default in a fiduciary deed with murabaha financing in Islamic banking is part of preventive legal protection. Legal protection is an effort made by law enforcement to protect the rights of legal subjects. Default may not be declared unilaterally by the creditor. Execution of court decisions that have legal force must still be carried out, if at the beginning, there is no agreement regarding a breach of contract and when there is a default but the debtor refused to voluntarily submit the collateral.Penelitian ini merupakan penelitian hukum normatif dengan tujuan untuk menganalisis kedudukan hukum fidusia dalam akad murabahah pasca Putusan Mahkamah Konstitusi Republik Indonesia Nomor 18/PUU-XVII/2019 tentang wanprestasi antara kreditur dan debitur. Penelitian ini menggunakan pendekatan perundang-undangan dan pendekatan konseptual. Hasil penelitian menunjukkan bahwa kedudukan akta fidusia setelah putusan tersebut tentang perjanjian yang ada dilaksanakan sebagaimana mestinya. Selanjutnya, untuk akta fidusia yang dilaksanakan setelah putusan ada, harus ada kesepakatan wanprestasi sebagai bentuk pelaksanaan putusan dan antisipasi jika di kemudian hari debitur tidak menyerahkan benda fidusia secara sukarela. Upaya penyusunan kesepakatan klausula wanprestasi dalam akta fidusia dengan pembiayaan murabahah di perbankan syariah merupakan bagian dari perlindungan hukum preventif. Perlindungan hukum merupakan upaya yang dilakukan oleh penegak hukum untuk melindungi hak-hak subyek hukum. Wanprestasi tidak dapat dinyatakan secara sepihak oleh kreditur. Eksekusi putusan pengadilan yang telah berkekuatan hukum tetap harus dilaksanakan apabila belum ada kesepakatan mengenai wanprestasi di awal. Hal ini juga berlaku apabila terjadi wanprestasi, tetapi debitur menolak untuk menyerahkan agunan secara sukarela.
Penerapan Prinsip Rule Of Reason pada Putusan Perkara Nomor 08-KPPU-I-2020 tentang Dugaan Praktik Diskriminasi antara Telkom-Telkomsel dan Netflix Dwi Fidhayanti; Risma Nur Arifah
Jurnal Persaingan Usaha Vol 1 No 1 (2021): Jurnal Persaingan Usaha
Publisher : Komisi Pengawas Persaingan Usaha

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (285.071 KB) | DOI: 10.55869/kppu.v1i1.13

Abstract

Penelitian ini bertujuan untuk mengetahui aspek hukum praktik diskriminasi dalam persaingan usaha di Indonesia dan mengkaji penerapan prinsip rule of reason pada Putusan Perkara Nomor 08/ KPPU-I/2020. Penelitian ini merupakan penelitian hukum normatif dengan pendekatan perundang-undangan dan pendekatan kasus. Bahan hukum primer dan bahan hukum sekunder diperoleh melalui studi kepustakaan dan dianalisis dengan penafsiran gramatikal. Praktik diskriminasi berdasarkan Pasal 19 huruf d dilakukan dengan cara mendefinisikan pasar bersangkutan sebagai identifikasi dan mengidentifikasi penguasaan pasar (market power). Penerapan prinsip rule of reason pada Putusan Perkara Nomor 08/KPPU-I/2020 pada level horizontal, yaitu sesama pasar pelaku usaha praktik diskriminasi atau sesama provider di Indonesia tidak pernah melakukan pemblokiran kepada Netflix karena tidak ada laporan dari masyarakat terkait konten tayangan dari Netflix. Sementara itu, pada level vertikal, yaitu di pasar korban praktik diskriminasi, tindakan pemblokiran tidak sesuai dengan tata cara pemblokiran berdasarkan BAB IV Peraturan Menteri Komunikasi dan Informatika (Permenkominfo) Nomor 19 Tahun 2014 tentang Penanganan Situs Internet Bermuatan Negatif.
Default Solution on Sharia Housing in The View of Private Law and Islamic Law Tri Lestari Khoirrani; Risma Nur Arifah
JURNAL AT-TURAS Vol 8, No 1 (2021): Penafsiran dan Sosiologi Hukum Islam
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/at-turas.v8i1.1603

Abstract

Sharia housing with sharia developer system using cash and in house method without involving the bank is thriving, because in the advert mentioned no fines and confiscations. While every financing there is a possibility of contract breach, such as La Tansa Cluster Malang Housing, there are several users doing breach of contract. This breach of contract can cause problems between developer and user so that solution is needed. The goals of this research are determining factors that led to the breach of contract and the efforts to resolve trade breach of contract in La Tansa Cluster Malang in terms of civil code and Islamic laws. This research uses empirical legal research with a sociological juridical approach, a concept approach, and a legislative approach. Data collected by interviews with developer of La Tansa Cluster Malang and the user, and then analyzed using qualitative descriptive analysis methods. The results showed that breach of contract occurred in La Tansa Cluster Malang due to lack of user candidate analysis, postpone payments, family deaths, business failures, serious illness, and inaccurate financial predictions. According to civil code, the efforts to resolve contract breach of sharia housing trade in La Tansa Cluster Malang are doing deliberation, communication, time extension, PPJB canceling (according to the Article 1338 paragraph (2) of Civil Code), and money returning (according to Article 1267 and Article 1248 of Civil Code). While the efforts to resolve the breach of contract in La Tansa Cluster Malang according to Islamic laws are doing deliberation or reconciliation (shulh), communication, time extension (according to surah al-Baqarah (2): 280), PPJB canceling (based on fasakh iqalah), and money returning (based on dhaman al ‘aqdi).
Legal Protection of Concurrent Creditors for The Debts That are not Guaranteed by Property Rights According to Bankruptcy Law and Islamic Law Risma Nur Arifah; Arman Safril Adam
JURNAL AT-TURAS Vol 9, No 1 (2022): Mu'amalah dan Hukum Islam
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/at-turas.v9i1.3398

Abstract

Bankruptcy is a condition where the debtor is unable to fulfill his obligations to pay debts to creditors. Revision of Law Number 4 of 1998 became Law Number. 37 of 2004 concerning Bankruptcy and Suspension of Debt Payment Obligations explains that concurrent creditors are creditors who do not hold collateral and who do not have special rights and whose claims are not recognized or recognized conditionally, of course, this causes the position of concurrent creditors to be very vulnerable to getting their rights back on the debt of the bankrupt debtor. This research is normative research using a statutory approach and a conceptual approach, where in this study the researcher examined the regulations on bankruptcy through the Act and analyzes the concept of legal protection for concurrent creditors. The results of the study showed that, first, Law Number 37 of 2004 concerning Bankruptcy and PKPU (Postponement of Debt Payment Obligations) explains that concurrent creditors are conditional creditors and do not have special rights, their position in paying off debtors' debts from the remaining proceeds from the settlement or auction of bankrupt assets. Second, Islamic law stipulates that the guaranteed of legal protection for creditors is to fulfill debt obligations as regulated in Surah al Baqarah verse 282 based on the principle of al ‘adalah.
Sosialisasi Tanaman Obat Tradisional (TOT) dan Pembuatan Granulasi Temulawak sebagai Upaya Peningkatan Kreativitas pada Ibu-ibu PKK Desa Argosuko, Poncokusumo, Malang Fitriyani Fitriyani; Risma Nur Arifah; Imroatus Tsaany Maghfira; Nur Hafidzah; Putri Qosida Baituridwan; Idris Firmansyah
Bubungan Tinggi: Jurnal Pengabdian Masyarakat Vol 5, No 1 (2023)
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/btjpm.v5i1.7556

Abstract

Pengolahan tanaman obat tradisional merupakan salah satu cara untuk meningkatkan kreativitas dalam memanfaatkan tumbuhan yang ada di sekitar. Berdasarkan hasil survei lapangan, Desa Argosuko memiliki sumber daya alam yang melimpah, dengan tanah yang subur mampu menghasilkan berbagai tanaman obat. Salah satu tanaman obat yang paling banyak dijumpai adalah temulawak yang selama ini belum dikelola dengan baik. Tujuan kegiatan pengabdian masyarakat ini untuk meningkatkan kreativitas dan pengetahuan ibu-ibu PKK dalam pengolahan tanaman obat khususnya jamu instan granulasi temulawak. Metode yang digunakan yaitu sosialisasi TOT dan Pelatihan pembuatan granulasi temulawak pada 25 Desember 2022 bersama 30 peserta dari ibu-ibu PKK Desa Argosuko, Poncokusumo, Malang. Hasil kegiatan sosialisasi melihat karakteristik peserta berdasarkan usia yang diikuti oleh peserta berusia 25-55 tahun dengan partisipasi terbanyak yaitu usia 25-30 tahun sebanyak 9 orang (30%), menunjukkan peningkatan pengetahuan pada kategori baik (76-100%) dari 20% menjadi 56,7% dilihat dari hasil kuesioner. Kemudian, berdasarkan hasil Pelatihan Pembuatan Granulasi Temulawak diperoleh peningkatan kreativitas peserta dari produk instan granulasi temulawak yang berhasil dibuat. Sehingga, kegiatan sosialisasi TOT dan pembuatan granulasi temulawak di Desa Argosuko, Kecamatan Poncokusumo, Kabupaten Malang dapat disimpulkan meningkatkan pengetahuan dan kreativitas secara efektif.Processing traditional medicinal plants is one way to increase creativity in utilizing the plants around. Based on a field survey, Argosuko Village has abundant natural resources, with fertile soil capable of producing various medicinal plants. One of the most common medicinal plants is Curcuma, which has not been properly yet. This community service activity aims to increase PKK's creativity and knowledge in managing medicinal plants, especially Curcuma granulation instant herbal. The methods used are the socialization of Tanaman Obat Tradisional (TOT) and training on making ginger granulation on 25th December 2022 with 30 participants from PKK members of Argosuko Village, Poncokusumo, Malang. The results of the socialization activity looked at the characteristics of the participants based on age followed by participants aged 25-55 years with the most participation, namely ages 25-30 years nine people (30%), showing an increase in knowledge in the good category (76-100%) from 20% to 56.7% seen from the results of the questionnaire. Then, based on the results of the Curcuma Granulation Making Training, it was obtained an increase in the creativity of the participants from the instant ginger granulation products that were successfully made. So, the socialization activities of TOT and the Curcuma Granulation doing training in Argosuko Village, Poncokusumo District, Malang Regency, can be concluded to increase knowledge and creativity effectively.
Trademark Cancellation of The PT. DIPOSIN in The Principle of Legal Certainty by Sudikno Mertokusumo Risma Nur Arifah; Azlin Alisa Ahmad; Silvana Oktavia Rochmawati
El-Mashlahah Vol 13, No 1 (2023)
Publisher : Sharia Faculty of State Islamic Institute (IAIN) Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/el-mashlahah.v13i1.5333

Abstract

Trademark cancellation can be done by registered trademark owners, such as PT. Pos Indonesia filed a trademark cancellation suit against the DIPOSIN mark because the mark has similarities in principle to the Pos Indonesia mark and its registration was carried out in bad faith. The judge granted the lawsuit for the cancellation of the DIPOSIN mark in part and the cancellation decision was not implemented. So, because of this, there is a legal inconsistency that results in the absence of legal certainty for brand owners who have good intentions. This study aims to discuss the judges' considerations in Decision number 8/Pdt.Sus-HKI/Merek/2020/PN.Niaga.Sby and the application of the principle of legal certainty according to Sudikno Mertokusumo. This research is normative legal research using statutory, conceptual, and case approaches. This research shows that based on Law Number 20 of 2016 concerning Trademarks and Geographical Indications the judge's consideration in Decision Number 8/Pdt.Sus-HKI/Merek/2020/PN.Niaga.Sby is appropriate however, the implementation of the decision to cancel the trademark is not appropriate with what has been set. This decision gave rise to an inconsistency of norms which resulted in the absence of legal certainty for brand owners. According to Sudikno Mertokusumo, for the law to function in a real way, the law must be upheld, because then the law becomes a reality and the law must reflect legal certainty, benefit, and justice.
Co-Authors A. Zaky Fuad Abdillah, Moh. Rizky Abdul Aziz, Norazlina Al Idris, Andi Kasmi Maulidiyah Amirudin, Amin Arliyah, Regina Sukma Arman Safril Adam As-Suvi, Ahmad Qiram Aufa, Muhammad Nabiel Azlin Alisa Ahmad Binte Salihudin, Nur Haleemah Daud, Mohd Zaidi Dwi Fidhayanti Erfaniah Zuhriah Erik Sabti Rahmawati Fitriyani Fitriyani Fuad, A. Zaky Hussin, Mohd Nurhusairi Bin Mat Idris Firmansyah Iffaty Nasyiah Imroatus Tsaany Maghfira Lusiana Indriawati M. Faiz Nashrullah Malee, Zunairah Marza, Leonita Mat Hussin, Mohd Norhusairi Nanda Nur Aini Fazrin Nur Hafidzah Putri Qosida Baituridwan Salsabila, Gardena Samah, Mahamatayuding Samudin, Siti Aisyah Silvana Oktavia Rochmawati Siti Aisyah Sulistyawati Sulistyawati Syuhadak , Faridatus Tri Lestari Khoirrani Tri Rahmat Zahro, Anggreani Kharimatuz Zahroh, Matsna Fathimatuz Zulaichah, Siti Zulfatus Solikhah