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All Journal Unes Law Review Jurnal Hukum Lex Generalis Journal Equity of Law and Governance Aladalah: Jurnal Politik, Sosial, Hukum dan Humaniora RESLAJ: Religion Education Social Laa Roiba Journal ISLAMIC BUSSINESS LAW REVIEW
Annisa Sativa
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Religion Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences

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Wanprestasi Akad Gadai Emas pada Pegadaian Syariah Sibuhuan Kecamatan Barumun Kabupaten Padang Lawas Berdasarkan Fatwa DSN Nomor 25/DSN-MUI/III/2002 Hajijah Rizkinami Siregar; Annisa Sativa
UNES Law Review Vol. 6 No. 1 (2023): UNES LAW REVIEW (September 2023)
Publisher : LPPM Universitas Ekasakti Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i1.1166

Abstract

Perkembangan kehidupan masyarakat semakin hari semakin meningkat, yang kemudian menjadi permasalahan bagi sebagian orang yang tidak memiliki cukup uang untuk memenuhi kebutuhan hidup. Untuk memenuhi hal tersebut, sebagian masyarakat melakukan gadai emas miliknya untuk mendapatkan pinjaman uang dan memenuhi kehidupan sehari-hari ataupun modal dalam membuka usaha. Penelitian ini bertujuan untuk menjelaskan bentuk wanprestasi dan penyelesaian secara hukum wanprestasi akad gadai emas berdasarkan fatwa DSN No. 25/DSN-MUI/III/2002. Penelitian ini merupakan penelitian empiris dengan pendekatan kualitatif yang bersifat deskriptif. Hasil penelitian menunjukkan bahwa wanprestasi gadai emas yakni pihak nasabah tidak membayar kewajibannya hingga telah jatuh tempo. Upaya penyelesaian wanprestasi nasabah tersebut dilakukan dengan teguran, negoisasi, dan berakhir dengan lelang.
Settlement of Default of Muzara’ah Contract of Rice Farmers in Sigama Village, Padang Bolak District, Padang Lawas Utara Regency Dsn-Mui Perspective No. 85/Dsn-Mui/Xii/2012” Anwar Nuh Siregar; Annisa Sativa
Journal Equity of Law and Governance Vol. 5 No. 1
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55637/elg.5.1.10257.65-72

Abstract

One of the towns in the Padang Bolak District of the North Padang Lawas Regency, Sigama Village, has extensive agricultural land which is used for rice fields, making farming the main source of income for the local community. But not everyone in the hamlet has agricultural land due to middle to lower class economic factors. Then, the muzara'ah system is one way for people in the area to prioritize mutual cooperation. Muzara'ah is a form of collective agreement between land owners and cultivators for the management of agricultural land, with the parties sharing the results according to their agreement. But the reality in the field is not in accordance with the agreement made between the land owner and the cultivator, where the agreement usually occurs in villages with a profit-sharing system of 70% for the land owner and 30% for the cultivator, with seeds. and fertilizer produced by land owners. In this research, descriptive approach techniques were combined with qualitative methods. Land owners and cultivators are the subjects of this research. Primary and secondary data are used in the data collection process. Meanwhile, secondary data was obtained from previous research, while primary data was obtained through interviews, documentation and observations. Then, the cultivator made a mistake which resulted in the contract being canceled. Then, after long negotiations, none of the parties can reach an agreement, then the dispute is resolved through an institution based on sharia if one party does not reach an agreement. through deliberation.
Dispute over the Calculation of the Number of Votes in the Election of the Head of Huraba Village 1, Siabu District, Mandailing Natal Regency, Fiqh Siyasah Perspective (Analysis Study of Decision Number: 68/G/2023/Ptun.Mdn) Agus Wibowo; Annisa Sativa
Journal Equity of Law and Governance Vol. 5 No. 2
Publisher : Warmadewa Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55637/elg.5.2.10496.124-133

Abstract

This study aims to analyze the PTUN Decision Number: 68/G/2023/PTUN.MDN regarding the vote counting dispute in the Huraba 1 village head election from the perspective of Fiqh Siyasah. The main objectives of this research are to, Identify and evaluate inconsistencies in the vote counting process that formed the basis of the dispute. Analyze the court decision in the context of justice and legal certainty principles (Al-Adl and Al-Yaqin) according to Fiqh Siyasah. Assess whether the court's decision aligns with the principles of Fiqh Siyasah and provide recommendations for improving the election process. Through this approach, the study aims to offer a deeper understanding of legal applications in election disputes and the relevance of Fiqh Siyasah principles in ensuring justice and legal certainty. The research results show that the Medan PTUN rejected the lawsuit from the plaintiff because it was deemed to violate the principles of good government. From the perspective of Fiqh Siyasah (Qadha'iyyah), this decision is in line with the principles of justice (al-'adl), legal certainty (al-yaqin), and benefit (maslahah) in Islamic government administration. This research concludes the importance of applying the principles of Fiqh Siyasah in administrative decision making to ensure justice and public benefit.
Eksekusi Jaminan Pada Pembiayaan Mudharabah Karena Force Majeur Ditinjau Dari Fatwa Dewan Syariah Nasional NO :07 DSN-MUI/IV/2000: Studi Kasus BSI Kecamatan Padang BolakKabupaten Padang Lawas Utara Rahma Dewi Siregar; Mustapa Khamal Rokan; Annisa Sativa
ALADALAH: Jurnal Politik, Sosial, Hukum dan Humaniora Vol. 1 No. 4 (2023): Jurnal Politik, Sosial, Hukum dan Humaniora
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/aladalah.v1i4.503

Abstract

BSI Kcp. Gunungtua carries out its business activities based on sharia principles. One of its business activities is mudharabah financing. In the implementation and resolution of mudharabah financing, there are still problems, practice in the field is still far from what is stated by the DSN-MUI fatwa. BSI Kcp. Gunung Tua has not really implemented the DSN-MUI Fatwa in its entirety, so that business actors receive capital financing from BSI Kcp. Gunung Tua is still obliged to return the capital in full, even if the capital manager (mudharib) experiences an accident or event beyond the management's fault (Overmacht). This research aims to determine (1) The concept of customer responsibility in mudharabah financing caused by Force Majeure based on the Fatwa of the National Sharia Council No: 07 DSN-MUI/IV/2000, (2) Implementation of collateral execution in mudharabah financing due to Force Majeure at BSI Kcp.Gunung Tua and (3) Is execution of collateral in mudharabah financing permitted due to force majeure based on National Sharia Council Fatwa No: 07 DSN-MUI /IV/2000. Mudharabah financing is permitted as long as it does not conflict with sharia principles. If a sharia financial institution uses a Mudharabah contract, the sharia financial institution must follow the provisions of the DSN Fatwa. The DSN Fatwa regarding mudharabah financing is DSNMUI Fatwa No.07/DSN-MUI/IV/2000. The research method used is a descriptive method, namely describing the implementation of collateral execution. in mudharabah financing, the primary data source is the manager of BSI Kcp.Gunung Tua, the research technique used is interviews. The results of this research can be concluded that (1) The concept of customer responsibility for mudharabah financing implemented at BSI Kcp. Gunung Tua is that customers must fulfill their obligations to make payments unless it is caused by an unintentional error (Force Majeure), (2) Execution of guarantees in mudharabah financing due to Force Majeure at BSI Kcp. Gunung Tua and (3) Is the execution of guarantees in mudharabah financing permitted due to force majeure based on National Sharia Council Fatwa No: 07 DSN-MUI /IV/2000.
HUKUM PERLINDUNGAN KONSUMEN TERHADAP SERVICE LAPTOP TIDAK PROFESIONAL DALAM PERSPEKTIF WAHBAH AZ-ZIHAILI (Studi Kasus Toko Service Laptop di Desa Pertumbukan Kecamatan Wampu Kabupaten Langkat Hastati Isna Efelia; Zulham Zulham; Annisa Sativa
ISLAMIC BUSSINESS LAW REVIEW Vol 2, No 1 (2019): Juli-Desember 2019
Publisher : Fakultas Syari'ah dan Hukum UIN Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/iblr.v2i1.6510

Abstract

The problem in this study is the law of consumer protection for unprofessional laptop service whether it is protected or not. This research was conducted at the Laptop Service Shop in the Village of Growth in the District of Wampu Langkat Regency. This research is a field research namely research conducted at the location which is the object of research, namely in the Village of the District of Wampu Langkat District and library research. In this study the method used was interview and data obtained from the field. The conclusion of this thesis is the Consumer Protection Law Against unprofessional laptop services in the Wahbah Az-Zuhaili Perspective is mandatory, and the one who is obliged to provide responsibility is the Shop Owner who is the guarantor. Because according to Wahbah Az-Zuhaili's perspective, if something guaranteed is in the form of al-inAin (goods, not debt), the guarantor is demanded to surrender the guaranteed al-inAin, if indeed the goods still exist. But if it has been damaged, then he surrenders instead with similar items or at a value. Article 19 paragraph (1) of Law Number 8 of 1999 concerning consumer protection clearly stipulates: "Business actors are responsible for providing compensation for damage, pollution and / or losses suffered by consumers due to consuming goods and / or services produced or traded.
Plagiarisme Modul Pembelajaran Teori Kunci Enormas College Perspektif Fatwa MUI Nomor 1 Tahun 2005 Tentang Perlindungan HaKI: Analisis Sengketa Antara PT. Delta Edukasi Semesta dan PT. ENS Indonesia Muhammad Rafi Akbar; Annisa Sativa
Reslaj: Religion Education Social Laa Roiba Journal Vol. 7 No. 6 (2025): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v7i6.8623

Abstract

The case of learning module plagiarism between PT. Delta Edukasi Semesta and PT. ENS Indonesia raises important issues related to the protection of Intellectual Property Rights (IPR) and ethics in the use of copyrighted works. This research aims to analyze this case based on a normative juridical perspective by referring to Law no. 28 of 2014 concerning Copyright, as well as a moral review of the Fatwa of the Indonesian Ulema Council (MUI) Number 1 of 2005 concerning Copyright. The research method used is descriptive qualitative, by collecting data through literature studies which include statutory regulations, scientific literature and related decisions. The research results show that PT Delta Edukasi Semesta has the potential to violate PT. ENS Indonesia copyright if it is proven to have copied, used or distributed the module without permission. From a legal point of view, this action can be subject to sanctions according to Law no. 28 of 2014, while from a moral perspective, acts of plagiarism are also considered haram according to the MUI Fatwa because they violate the principles of justice in Islam. Thus, this case emphasizes the importance of legal and moral protection for intellectual work, especially in the field of education.
Analisis Hukum terhadap Penerapan Prinsip Transparansi dalam Pemasaran Produk Asuransi: (Studi Kasus pada PT. Generali Medan) Damara Alya, Tengku; Annisa Sativa
Jurnal Hukum Lex Generalis Vol 6 No 4 (2025): Tema Hukum Perdata dan Kenotariatan
Publisher : CV Rewang Rencang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56370/jhlg.v6i4.1604

Abstract

The lack of transparency in insurance product marketing often leads to consumer dissatisfaction and an increase in legal disputes. According to data from the Financial Services Authority (OJK) in 2022, there were 1,291 complaints related to insurance products, with most grievances arising from discrepancies in marketing information. This study aims to analyze the implementation of transparency principles in insurance product marketing at PT Generali Medan, identify challenges faced, and evaluate the company's responsibility in cases of misinformation provided to customers. Using an empirical juridical method, the study found that although PT Generali Medan has implemented transparency through clear information delivery, disclosure of risks and benefits, and compliance with Financial Services Authority Regulation No. 8 of 2024, several challenges remain, including the complexity of insurance information, limited understanding among prospective customers, and inconsistencies between information provided by agents and policy provisions. To address these issues, the company has adopted strategies such as simplifying product communication, digitalizing information, providing agent training, and strengthening consumer protection mechanisms. This study recommends strengthening OJK regulations on insurance product marketing, enhancing financial literacy among potential customers, and optimizing digital technology to ensure insurance product information is more accessible and comprehensible. With improved transparency, it is expected that disputes will decrease, and public trust in the insurance industry will increase.
Analisis Hukum Dampak Pelaku Usaha Grosir Terhadap Penjualan Produk yang Terafiliasi dengan Israel Perspektif KHES: Studi Kasus Kota Tanjungbalai M. Rahul Fauzan Saragih; Annisa Sativa
Reslaj: Religion Education Social Laa Roiba Journal Vol. 7 No. 2 (2025): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v7i2.7142

Abstract

 With the publication of MUI Fatwa Number 83 of 2023 concerning the Law on Support for the Palestinian People, there have also been many calls to join in boycotting products affiliated with Israel. This causes quite serious problems for wholesale business actors who sell products that people need in their daily lives. This research aims to explain legal protection for business actors who experience losses due to the issuance of MUI Fatwa No. 83 of 2023 and how KHES regulates the protection itself. This research method was carried out using an empirical juridical method, so the method used was a field method, namely research carried out in the field which aims to obtain information and describe events, incidents with facts found in the field. Data analysis was carried out qualitatively, involving observation and in-depth study of the data obtained. The primary data used comes from the field, in this case there are interviews from wholesale business actors. Meanwhile, secondary data is data obtained from the literature. Research shows that many wholesale businesses suffer losses due to the boycott of products affiliated with Israel. From the perspective of the Compilation of Sharia Economic Law, wholesale business actors who experience losses are the risks they bear, the government should pay more attention to the impact on wholesale business actors who experience losses so that products affiliated with Israel are replaced with other brands.
Co-Authors Agus Wibowo Anwar Nuh Siregar Damara Alya, Tengku Hajijah Rizkinami Siregar Hastati Isna Efelia M. Rahul Fauzan Saragih Muhammad Rafi Akbar Mustapa  Khamal  Rokan Rahma Dewi Siregar Zulham Zulham