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All Journal Bestuur Dimas: Jurnal Pemikiran Agama untuk Pemberdayaan Al-Ahkam Jurnal Hukum IUS QUIA IUSTUM Al-Ahkam: Jurnal Ilmu Syari'ah dan Hukum Sriwijaya Law Review As-Salam: Jurnal Studi Hukum Islam & Pendidikan Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Supremasi Journal of Morality and Legal Culture El-Iqtishady JHCLS Jurnal Pengabdian kepada Masyarakat Desa (JPMD) Advokasi Hukum & Demokrasi Jurnal Hukum Ekonomi Syariah Tafaqquh : Jurnal Hukum Ekonomi Syariah dan Ahwal Syahsiyah Malik Al-Shalih Al-Ahkam: Jurnal Ilmu Syari'ah dan Hukum
Zaidah Nur Rosidah
UIN Raden Mas Said Surakarta
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

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Peran Dewan Pengawas Syariah dalam Penetapan Biaya Tagih dan Denda Murabahah di BMT Bina Insan Mandiri Karanganyar Putra, Ressa Ananda; Rosidah, Zaidah Nur
Jurnal Hukum Ekonomi Syariah Vol 4 No 1 (2025): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al-Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v4i1.1287

Abstract

The rapid growth of Sharia-based financial institutions in Indonesia shows a significant trend, where BMT or Sharia cooperatives have become one of the most favored Sharia financial institutions by the community. In Murabahah financing at KSPPS BMT Bina Insan Mandiri Karanganyar, there is an application of collection fees for visits to the homes of customers who experience delayed payments, as well as penalties for late installments. According to Sharia principles, the practice of charging penalties for late installment payments is not permitted. This raises questions about the compliance of financing practices with Sharia principles and the implementation guidelines of Murabahah based on the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) Number 04/DSN-MUI/IV/2000, which requires the contract to be free from usury (riba). This study aims to analyze the determination of collection fees and penalty charges for late installment payments by customers, as well as to examine the role of the Sharia Supervisory Board in overseeing these two aspects in Murabahah financing. The method used in this study is field research with a qualitative approach. The results show that collection fees are a form of operational costs, such as fuel expenses, incurred to conduct visits to customers’ homes. Meanwhile, penalty charges are imposed due to customers' late installment payments. According to the Sharia Supervisory Board, collection fees can be categorized as ta’widh (compensation), while penalty charges fall under ta’zir (sanction). Keyword: Sharia Supervisory Board, Ta’widh, Ta’zir
Literasi Pra-Nikah di Era Digital: Edukasi dan Sharing Gen- Z Tentang Kesiapan Ekonomi, Mental, Hukum Dalam Pernikahan Ideal di MAN 1 Boyolali Nikmah, Roykhatun; Muhdi; Nur Rosidah, Zaidah; Zuhroh, Diana; Mardian, Andi; Wati, Asiah; Fitri Lestari, Arum
Jurnal Pengabdian kepada Masyarakat Desa (JPMD) Vol. 6 No. 2 (2025): JPMD
Publisher : LP3M IAIFA Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/jpmd.v6i2.2588

Abstract

This study addresses the low level of premarital literacy among Generation Z, which has implications for economic readiness, mental preparedness, and legal understanding before marriage. The research aimed to analyze the effectiveness of an interactive premarital literacy program conducted through community service activities at MAN 1 Boyolali. The problem was the lack of structured and contextual education on premarital readiness in senior high schools. Using a educational approach with interactive lecture method, data were collected through observation, pre-test and post-test, and documentation. The participants were 50 twelfth-grade students from diverse socio-economic backgrounds. The results showed a 32% average increase in knowledge after the program, with the highest improvement in legal understanding (38%), followed by economic readiness (28%) and mental preparedness (24%). The findings confirm that integrating interactive lectures, case studies, and contextual discussions significantly enhances premarital literacy, especially in Generation Z. This study suggests incorporating premarital literacy into the school curriculum as a preventive education strategy to prepare youth for building healthy and sustainable marriages.
BUREAUCRATIC EFFICIENCY ISSUANCE OF HALAL CERTIFICATES FOR MICRO AND SMALL BUSINESSMEN rosidah, zaidah nur
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i3.4919

Abstract

The obligation to be halal certified for micro and small business actors must be implemented no later than October 17 2026, but to date there are still many micro and small business actors who do not have a halal certificate. This research aims to evaluate the bureaucracy of issuing halal certificates for micro and small businesses. As well as providing recommendations so that the bureaucracy of issuing halal certificates for micro and small businesses becomes efficient.The research method used in this research uses a socio legal study approach. Primary data collection was carried out by conducting interviews with several micro and small business actors, the halal task force of the ministry of religion and the cooperative, SME and industry services. Meanwhile, secondary data was collected through library studies of primary and secondary legal materials. To obtain answers to deductive syllogism research problems.The results of the research obtained several conclusions, namely first, the obligation to be certified halal for micro and small business actors is still not implemented well, there are still many micro and small business actors who do not have a halal certificate. The influencing factor is a lack of knowledge because the outreach carried out by the halal task force and the SME and industrial cooperatives service has not reached all micro and small business actors. Second, the bureaucracy of issuing halal certificates for micro and small businesses is inefficient regarding time and energy. The time required to issue a halal certificate is an average of 2 to 3 months compared to the 12 working days required for self-declaration and the regular 21 working days. The fee for issuing a halal certificate is free if you apply through the self-declare mechanism, and is charged if you go through the regular route. The institutions involved in issuing halal certificates are MUI, LPH, and BPJPH. However, MUI involvement is still with the Central MUI.
Management and Utilization of Nusa Penida Island by Foreign Nationals in Relation to Licensing Regulations in Indonesia rosidah, zaidah nur; Liza Priandhini
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i1.6162

Abstract

This paper examines the management and utilization of small islands in Indonesia, specifically Nusa Penida, by foreign nationals(WNA) in relation to the prevailing legal regulations on land and investment permits. Indonesia, being an archipelagic nation, ishome to numerous islands that attract both local and foreign investors, especially in tourism. The legal framework governingforeign investment in small islands, including the necessary permits, is explored, with particular focus on the requirements set out inthe Indonesian legal system, such as the UUPA (Agrarian Law), the Management of Coastal Areas and Small Islands (PWP3K Law), andvarious ministerial regulations. The paper addresses how foreign nationals engage in island management in Nusa Penida,particularly in tourism-related ventures like hotels, resorts, and recreational activities such as diving and snorkeling. It evaluates theimpact of such foreign investments on the local community, highlighting both positive and negative aspects. One significant issuediscussed is the long-term land leasing agreements between foreign nationals and Indonesian landowners, which may potentiallylead to unintended ownership transfers andlegal disputes, as well as challenges in ensuring compliance with Indonesian land laws.The study also delves into the regulatory gaps in the implementation of these laws, particularly the lack of clear procedural guidelines for foreign investment in small islands. Furthermore, it calls for stricter enforcement and monitoring of land use and property transactions to prevent the unregulated acquisition of land by foreign nationals and to protect the national interest.Finally, the paper offers recommendations for improving legal oversight, such as ensuring proper registration of land transactions,enhancing the role of notaries and land officials in verifying the legality of land agreements, and ensuring that foreign investments arealigned with Indonesia's economic and environmental goals. The findings suggest that while foreign involvement in small islandmanagement can contribute to the local economy, stringent legal frameworks and thorough monitoring are essential to safeguardthe nation's sovereignty over its natural resources.
Co-Authors Afthon Yazid Andi Mardian Andi Mardian, Andi Diana Zuhroh Fairuz Sabiq Fitri Lestari, Arum I Gusti Ayu Ketut Rahmi Handayani Khaidar Rohman Lego Karjoko Lego Karjoko Lego Karjoko Lego Karjoko Liza Priandhini Masjupri Moch. Munir, Layyin Mahfiana I Nyoman Nurjaya Mohd Rizal Palil Mohd Rizal Palil Muhammad Khoiru Sa’i Muhdi Putra, Ressa Ananda Roykhatun Nikmah Ryan Alan Firnanda Sangidun, Muhammad Siti Rokhaniyah SUTRISNO Umi Rohmah Wati, Asiah Winarto Winarto