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Urgensi Pengaturan Aksesabilitas Atas Layanan Perbankan Syariah Bagi Penyandang Disabilitas Arifah, Risma Nur
Sakina: Journal of Family Studies Vol 6 No 3 (2022): Sakina: Journal of Family Studies
Publisher : Islamic Family Law Study Program, Sharia Faculty, Universitas Islam Negeri Maulana Malik Ibrahim Malang

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Abstract

The purpose of this study is to identify the factors that have not fulfilled the access rights of persons with disabilities to sharia banking services in Malang City and legal efforts to identify these problems. The type of research used is juridical empirical with a conceptual approach, statue approach and sociological juridical. The data collection method was done by means of open interviews and documentation. The results show that, first, there are no factors that cause the access rights of persons with disabilities to banking services have not been fulfilled 1) legal factors, juridically, the laws and regulations in the banking sector do not clearly regulate the rights of access to banking services in general, but these regulations are listed in POJK Number 76 / POJK.07 / 2016; 2) law enforcement factors, OJK has not effectively provided supervision of facilities for persons with disabilities in sharia banking so that facilities for customers with disabilities in several banks are still considered the same as non-disabled customers; 3) low financial literacy and education for persons with disabilities, so they choose not to use banking services to save money. Second, the legal remedies that have been taken against the fulfillment of sharia banking services in Malang are 1) forming a National Disability Commission; 2) provide financial education or legal literacy.
KENDALA PERUBAHAN STATUS BADAN KREDIT DESA MENJADI LEMBAGA KEUANGAN MIKRO DITINJAU DARI UNDANG-UNDANG NOMOR 6 TAHUN 2014 TENTANG DESA A. Zaky Fuad; Risma Nur Arifah
Ar-Risalah Media Keislaman Pendidikan dan Hukum Islam Vol. 18 No. 2 (2020): (Oktober 2020)
Publisher : LPPM IAI IBRAHIMY GENTENG BANYUWANGI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/ar-risalah.v18i2.973

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.
KEDUDUKAN TUPPERWARE SEBAGAI BENDA JAMINAN (STUDI DI PEGADAIAN KOTA MALANG) Risma Nur Arifah
Ar-Risalah Media Keislaman Pendidikan dan Hukum Islam Vol. 20 No. 1 (2022): (April 2022)
Publisher : LPPM IAI IBRAHIMY GENTENG BANYUWANGI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/ar-risalah.v20i1.1310

Abstract

Tujuan penelitian ini adalah untuk mengidentifikasi dan menganalisis dasar pertimbangan Perum Pegadaian menjadikan Tupperware sebagai Benda Jaminan. Jenis penelitian ini yuridis empiris dimana peneliti mendeskripsikan secara detail objek yang diteliti mengenai dasar pertimbangan Perum Pegadaian menjadikan Tupperware sebagai benda jaminan. Pendekatan penelitian ini antara lain statue approach dan conseptual approach, yuridis sosiologis. Hasil penelitian ini diperolah dengan menggunakan wawancara dan dokumentasi terhadap referensi yang sesuai dengan tema, kemudian dilakukan analisis data secara deskriptif kualitatif. Hasil penelitian ini menunjukkan bahwa, Perum Pegadaian sebagai badan usaha yang secara resmi melaksanakan pembiayaan dan penyaluran dana masyarakat melalui gadai sebagaimana yang diatur dalam Pasal 1150 KUH Perdata. Atas obyek gadai yang diterima oleh Perum Pegadaian mengalami perkembangan seiring dengan kebutuhan masyarakat, antara lain a) memiliki nilai ekonomis berdasarkan SE No 52/SE.OJK.05/2017 tentang Penyelenggaraan Usaha Perusahan Perdagangan yang Menyelenggarakan Kegiatan Usaha Secara Konvensional; b) Hak Milik (dapat dialihkan); c) tidak melanggar undang-undang.
RAISING THE MARRIAGE AGE, RAISING DISPENSATIONS? EVIDENCE FROM THE MALANG RELIGIOUS COURT AFTER CONSTITUTIONAL COURT DECISION NO. 22/PUU-XV/2017 Arifah, Risma Nur; Hussin, Mohd Nurhusairi Bin Mat; Rahmawati, Erik Sabti; Zahro, Anggreani Kharimatuz
JURNAL HAKAM Vol 9, No 2 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/jhi.v9i2.13761

Abstract

This study examines the legal consequences of Constitutional Court Decision No. 22/PUU-XV/2017 on the minimum marriage age and its relationship with the rising number of marriage dispensation cases before the Malang Religious Court. Using an empirical juridical (socio-legal) approach, primary data were collected through interviews with judges and court clerks, while secondary data comprised relevant statutes, the Constitutional Court decision, and selected court rulings. The findings indicate that the decision was accommodated through Law No. 16 of 2019, which equalized the minimum marriage age at 19; however, implementation has redirected practices toward the dispensation mechanism. SIPP data show a sharp increase in dispensation petitions in the Malang City Religious Court (83 in 2018; 183 in 2019; 260 in 2020; 261 in 2021). Key constraints include open-textured dispensation standards, weak operational guidance and cross-sector coordination, the voluntary nature of proceedings, and broad judicial discretion that normalizes dispensations. Policy recommendations include tightening “urgent reasons” criteria, issuing stricter judicial guidelines, and requiring health-psychological assessments and child-protection involvement.
Pembatalan Nikah Akibat Manipulasi Identitas dalam Prespektif Imam al-Ghazali Muhammad Nabiel Aufa; Risma Nur Arifah
Sakina: Journal of Family Studies Vol. 6 No. 2 (2022): Sakina: Journal of Family Studies
Publisher : Islamic Family Law Study Program, Sharia Faculty, Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/jfs.v6i2.1430

Abstract

Pembatalan nikah kerap menjadi persoalan yang tidak ada habisnya, terutama di kalangan masyakat yang tidak patuh adanya hukum yang berlaku, tentu hal itu disebabkan oleh berbagai hal, seperti melakukan pernikahan yang tidak sah dengan melakukan manipulasi identitas. Manipulasi identitas tentu menjadi permasalahan yang sangat fital jika hal itu dilakukan, dan bahkan hal itu bisa jadi masuk dalam perkara Hukum Pidana. Dalam aturan pernikahan wajib bagi calon pengantin melakukan pendaftaran pernikahan terlebih dahulu, tentu hal itu harus sesuai dengan data data yang benar. Jika dikaji lebih luas, persyaratan tersebut telah sesuai dengan aturan perundang undangan yang mengharuskan memberikan data data yang baik dan benar. Namun faktanya, permasalah tersebut telah terjadi pada tahun 2021 pada Putusan Pengadilan Nomor 988/Pdt.G/2021/PA.Mlg tentang pembatalan nikah yang disebabkan adanya manipulasi identitas. Artikel ini bertujuan untuk mencarikan solusi permasalahan dengan menggunakan konsep maslahah Imam al-Ghazali. Jenis penelitian ini merupakan penelitian normatif yang menggunakan metode kajian pustaka dan pendekatan kasus. Hasil artikel ini menunjukkan kemaslahatan yang terkandung dalam teori maslahah Imam al-Ghazali ialah suatu bentuk upaya mendapatkan jawaban dari suatu masalah yang terjadi, sehingga penelitian yang di dapatkan dari teorinya ialah, putusan tersebut mengakomodir dari 3 maqashid syariah yang berupa: menjaga jiwa menjaga keturunan dan menjaga harta
Upaya Konselor Dalam Menangani Peningkatan Permohonan Dispensasi Kawin Selama Pandemi Covid-19 Studi Di Pengadilan Agama Kab. Gresik Matsna Fathimatuz Zahroh; Risma Nur Arifah
Sakina: Journal of Family Studies Vol. 6 No. 2 (2022): Sakina: Journal of Family Studies
Publisher : Islamic Family Law Study Program, Sharia Faculty, Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/jfs.v6i2.1477

Abstract

Peningkatan dispensasi kawin sebanyak 3 kali lipat di Pengadilan Agama Kab. Gresik sejak adanya revisi Undang-Undang Nomor 1 Tahun 1974 Tentang Perkawinan. hal ini menjadikan MUI Gresik bersama Pengadilan Agama Kab. Gresik membuat inovasi guna menkan laju tingginya pernikahan dini di Kab. Gresik dengan membuat lembaga konseling bernama SELINA atau Konseling Dispensasi Nikah. Artikel ini ditulis guna mengetahui faktor kegagalan dan upaya konselor dalam penanganan peningkatan permohonan dispensasi kawin di Pengadilan Agama Kab. Gresik. Artikel ini ditulis menggunakan metode penelitian lapangan yang bersifat empiris dengan pendekatan deskripstif-kualitatif. Metode pengumpulan data melalui wawancara dan dokumentasi. Wawancara dilakukan kepada konselor di Pengadilan Agama Kab. Gresik yang merupakan anggota komisi PPAR (Pemberdayaan Perempuan Anak dan Remaja) MUI Gresik, kemudian data diolah dengan metode pemeriksaan data, klasifikasi, verifikasi, analisis, dan kesimpulan. Hasil dari penelitian ini menunjukkan bahwa faktor penyebab kegagalan konselor dalam melaksanakan konseling di Pengadilan Agama Kab. Gresik dikarenakan mayorita pendaftar ialah pasangan hamil diluar nikah, pola asuh orang tua yang salah sehingga anak masuk dalam pergaulan bebas. Serta teknis pelaksanaan konseling yang cukup singkat. Adapun upaya konselor terbagi menjadi 2 yakni upaya di dalam ruang konseling dan upaya di luar ruang konseling.
Judicial Reasoning on Child Custody for Fathers Convicted of Domestic Violence: A Maqasid Al-Syari‘ah Analysis of Decision Number 1257/Pdt.G/2024/PA.Mlg Risma Nur Arifah; Roswita Adelia Syaharani; Hersila Astari Pitaloka; Khoirul Umam
JURNAL AT-TURAS Vol 13, No 1 (2026)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/at-turas.v13i1.14322

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The determination of child custody in divorce proceedings is a central issue in Islamic family law, particularly where psychological domestic violence has been judicially established and may produce long-term harm to the child. This article examines Decision No 125/Pdt.G/2024/PA.Mlg of the Malang Religious Court, which awarded custody of a noun-mumayyiz child to the father notwithstanding proven psychological abuse. The stusy addresses the normative question: to what extent is the court’s custody reasoning consistent with al-Shatibi’s maqashid al shari’ah, particularly the protection of life/ psychological integrity (hifz al nafs) and lineage (hifz al-nasl), alongside hifz al din, when applied to cases involving psychological violence? Using a normative juridical method with a case approach, the research analyzes the judgment as primary legal material and examines the Compilation of Islamic Law, fiqh and maqashid literature, and developmental psychological assessment or structured evaluation of future risk. Applying al Shatibi’s maqashidas a hierarchy of protections, this article argues that such reasoning risks reducing maslahah to immediatefactual benefits and under-protecting the child’s long-term framework for integrating long-term child protection standarts (risk and impact assessment) into Islamic judicial reasoning on custody in domestic violence contexs.
Typology of Psychological Violence in Maqashid Sharia Perspective Iffaty Nasyiah; Risma Nur Arifah
JURNAL AT-TURAS Vol 11, No 2 (2024)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/at-turas.v11i2.8718

Abstract

Psychological violence in the household is a criminal offense that has not been explained with certainty. The PKDRT Law itself only explains the formulation of the consequences of psychological violence. Thus, it is important to create a typology of this form of psychological violence. This is also the case in Islam. This research aims to analyze the typology of psychological violence from the perspective of maqashid sharia. The type of research used is normative legal research with a conceptual approach. The results show that in the perspective of maqashid sharia, the creation of a typology of psychological violence in the household is a necessity that brings maslahah. In the level of benefit, the determination of this guideline becomes very important and occupies the hajjiyat level because it is related to the need to create convenience in overcoming difficulties. In the context of psychological violence, the difficulty that arises is how to detect the form of psychological violence itself. The creation of guidelines regarding the typology of psychological violence creates legal certainty for perpetrators and victims, realizing justice and legal protection for victims.
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.