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ANALYSIS OF THE USE OF SHARIA FINANCIAL TECHNOLOGY (FINTEK) SERVICES STUDY ON APPLICATION SERVICES AT PT. AMMANA FINTECH SHARI'AH ACCORDING TO THE FATWA OF DSN MUI AND ISLAMIC LAW Yudha Prakarsa Karya Wiguna; Wirdyaningsih Wirdyaningsih
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 6, No 2 (2022): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v6i2.5406

Abstract

The birth of Islamic financial service technology innovation (Shari'ah Fintech) has provided a lot of convenience. In practice, the community can carry out the financing collaboration process without having to meet face-to-face. However, behind all these conveniences, it is not widely known to what extent this sharia fintech application service is in accordance with the provisions of the DSN MUI Fatwa No. 117/DSN-MUI/II/2018 and also Islamic law, or is not in accordance with the legal provisions stipulated apply. This study aims to analyze the provisions of the MUI DSN Fatwa and Islamic Law on the fintech application services of PT. Ammana Fintek Syari'ah. The research method used in this study is normative juridical using a qualitative descriptive approach, namely research that aims to analyze the provisions of the Fatwa of DSN MUI and Islamic Law in theory and practice in the field. Based on the results of the study, it was found that the fintech services at PT. Ammana Fintek Syari'ah as a whole has conformity, as stated in the DSN-MUI Fatwa No. 117/DSNMUI/II/2018, including for points of general provisions, legal provisions, legal subjects, provisions related to general service guidelines and provisions related to mechanisms. contract. Meanwhile, according to Islamic law, the presence of fintech services at PT. Ammana Fintech Syari'ah has provided benefits for many people. There are two things from the five points of maqashid sharia that are maintained by the existence of PT. Ammana Fintech Syari'ah, namely, hifz al-mal (protection of property), and hifz al-nafs (protection of the soul).
WAKAF LINGKUNGAN HIDUP DALAM RANGKA PELAKSANAAN PEMBANGUNAN BERKELANJUTAN DAN PENEGAKKAN KEADILAN ANTARGENERASI Setyorini, Savitri Nur; Wirdyaningsih, Wirdyaningsih; Hazna, Chita Arifa
Journal of Islamic Law Studies Vol. 4, No. 1
Publisher : UI Scholars Hub

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Abstract

Artikel ini memberikan gambaran mengenai wakaf untuk lingkungan hidup dan kaitannya dengan pembangunan berkelanjutan dan keadilan antargenerasi. Wakaf merupakan salah satu instrumen hukum Islam untuk menyelesaikan permasalahan umat, yang mana salah satunya adalah masalah lingkungan hidup yang terkait pula dengan pembangunan berkelanjutan dan keadilan untuk generasi yang akan datang. Penelitian ini adalah penelitian kualitatif dengan desain deskriptif analitis. Hasil penelitian menunjukkan bahwa wakaf untuk lingkungan hidup dapat menyeimbangkan antara pembangunan dan keberlanjutan lingkungan hidup, serta berimbas pelestarian lingkungan hidup yang berkelanjutan dan penciptaan keadilan antargenerasi, di mana generasi yang akan datang akan memiliki tingkat pemanfaatan lingkungan hidup dan sumber daya alam yang setidaknya sama dengan tingkat pemanfaatan dari generasi sekarang, baik dalam hal keanekaragaman pilihan atas sumber daya alam, kualitas lingkungan hidup dan sumber daya alam dan akses atas lingkungan hidup dan sumber daya alam.
Peranan Srategi Badan Wakaf Imdonesia dalam Membina Nazhir Secara Profesional (Ditinjau dari UU No. 41 Tahun 2004 tentang Wakaf) Mufarochah Mufarochah; Wirdyaningsih Wirdyaningsih
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (229.504 KB) | DOI: 10.36418/syntax-literate.v7i3.6447

Abstract

Problem mendasar berkaitan dengan wakaf di Indonesia salah satunya adalah aset wakaf yang tidak produktif dan nazhir yang tidak profesional. Dalam hal ini seharusnya nazhir mampu mengelola wakaf dengan baik seperti tugas dan wewenang nazhir yang sudah disebutkan dalam undang-undang No. 41 Tahun 2004. Didalam undang-undang juga disebutkan seharusnya nazhir mendapatkan pendampingan atau bimbingan dari BWI yang sudah menjadi tugas BWI dalam aturan Undang-undang tentang wakaf. Maka, seharusnya jika BWI sudah menjalankan tugas dalam membina nazhir secara profesional akan terbentuk nazhir yang bagus, dan profesional sehingga dapat mengelola wakaf dengan baik. Penelitian ini membahas dua hal yaitu: pertama, bagaimana peranan Badan Wakaf Indonesia dalam membina nazhir profeaionalitas? kedua, mengapa masih banyak wakaf di Indonesia yang nazhirnya belum dapat mengelola wakaf dengan baik dan professional sebagaimana aturan yang dijelaskan dalam UU No. 41 Tahun 2004 tentang peranan Badan Wakaf Indonesia? Adapun metodologi penelitian yang digunakan penulis adalah penelitian hukum yuridis. Sumber data yang digunakan adalah data primer dan data sekunder. Analisis data yang digunakan adalah penelitian kualitatif.
PERBANDINGAN KRITERIA MISBRUIK VAN OMSTANDIGHEIDEN / UNDUE INFLUENCE DALAM KONTRAK KONVENSIONAL DAN AKAD BISNIS SYARIAH Oceania Hasanah; Wirdyaningsih Wirdyaningsih
UNES Law Review Vol. 5 No. 4 (2023): UNES LAW REVIEW (Juni 2023)
Publisher : LPPM Universitas Ekasakti Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v5i4.673

Abstract

Abuse of circumstances (Misbruik van Omstandigheiden or undue influence) is an interesting and frequent phenomenon in agreements. Abuse of circumstances can be in the form of a contract in an agreement or a contract used in doing business. Misbruik van Omstandigheiden or undue influence . The agreement of unequal cooperation can occur because there are parties who have a stronger position and are at the top to suppress or threaten the weaker parties. The existence of a bargaining position is the reason why a party in a weak position cannot get freedom of opinion and decide something related to their own interests or common interests. The writing of this article uses qualitative research methods. The material for writing this article was obtained by literature study and analyzed using legal interpretation. Sharia treaty arrangements that exist and are related to undue influence elements are a form of agreement that is prohibited and forbidden until it is called ikrah. Ikrah is the coercion of the strong against the weak, while doing ikrah is a deed and disliked by God. To do ikrah is to violate the elements and conditions of trade in Islam. The legal effect of this act is a null and void agreement.
Konsep Keadilan Menurut Filsafat Hukum Islam Dalam Perkawinan Poligami -, Wirdyaningsih
Jurnal Hukum & Pembangunan
Publisher : UI Scholars Hub

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Abstract

Islamic marriages allow polygamy on the condition that the husband can do justice. This fair concept is interesting to study because it is not easy to measure fairness in an action. By going through juridical analysis studies and using literature research, the authors examine two main issues, namely the philosophy of polygamy marriage according to Islamic law and how the concept of justice in polygamy is applied according to the philosophy of Islamic law. There are several conditions that must be met for men who will do polygamy. One of the requirements mentioned in the Qur'an is that it can be fair. In accordance with the two basic principles of Islamic law, namely justice and benefit, polygamy can be done when the two principles are fulfilled. Polygamy must be in accordance with the two basic principles of Islamic law, namely justice and benefit. Justice that can be measured is qualitative but with regard to benefit. Therefore, husbands and wives who will do polygamy should think about the nature of a polygamous marriage.
PENGATURAN HAK KEKAYAAN INTELEKTUAL SEBAGAI JAMINAN UTANG MENURUT PP NOMOR 24 TAHUN 2022 Gerid Williem Karlosa Reskin; Wirdyaningsih .
PALAR (Pakuan Law review) Vol 8, No 4 (2022): Volume 8, Nomor 4 Oktober-Desember 2022
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/palar.v8i4.6857

Abstract

     AbstrakTujuan Penelitian ini ialah untuk menjelaskan bahwa Makin banyaknya kemunculan ekonomi kreatif (Ekraf) di era ini, semakin tinggi pula niat para pelaku ekonomi kreatif untuk memanfaatkan produk mereka. Salah satu cara pemanfaatan yang dilakukan adalah menjadikan produk mereka sebagai jaminan untuk memperoleh pembiayaan tertentu. Untuk mendukung pelaku ekonomi kreatif mengatasi masalah pembiayaan, pemerintah telah mengeluarkan PP No. 24 Tahun 2022 tentang Ekonomi Kreatif (PP Ekraf) yang memungkinkan kekayaan intelektual dijadikan jaminan utang. Tulisan inib ertujuan untuk mengetahui dan menganalisa mengenai bagaimana pengaturannya jika hak kekayaan intelektual dijadikan jaminan utang menurut PP Nomor 24 tahun 2022 serta kendala yang akan ditemukan dalam prosesnya mengingat hak kekayaan intelektual merupakan aset yang tidak berwujud. Penelitian ini menggunakan metode literature review atau tinjauan pustaka. Pengaturan hak kekayaan intelektual sebagai jaminan utang menurut PP Nomor 24 tahun 2022. Kekayaan Intelektual adalah kekayaan yang timbul atau lahir karena kemampuan intelektual manusia melalui daya cipta, rasa, dan karsanya yang dapat berupa karya di bidang teknologi, ilmu pengetahuan, seni, dan sastra. Hak Kekayaan Intelektual (HKI) penting untuk melindungi kekayaan intelektual dari pencurian dan pelanggaran. Objek yang dijadikan jaminan utang dalam skema pembiayaan berbasis kekayaan intelektual adalah kekayaan intelektual. Sehingga dibentuklah pengaturan hak kekayaan intelektual sebagai jaminan utang menurut Peraturan Pemerintah Nomor 24 tahun 2022. Terdapat 4 (empat) syarat yang harus dipenuhi, yaitu memiliki proposal pembiayaan usaha ekonomi kreatif, bukti kepemilikan kekayaan intelektual produk ekonomi kreatif, dan memiliki bukti kepemilikan usaha ekonomi kreatif dan sertifikat kekayaan intelektual. Dalam pelaksanaannyapun Pemerintah diharapkan terus hadir dalam memberikan sosialisasi kepada masyarakat awam dan meyakinkan pihak lembaga keuangan agar terciptanya kepercayaan terhadap nilai ekonomi dari produk-produk para pelaku ekonomi kreatif Kata kunci : Hak Kekayaan Intelektual, Jaminan Utang, PP Nomor 24 Tahun 2022 AbstractThe purpose of this study is to explain that the more creative economy (Ekraf) emerges in this era, the higher the intention of creative economy actors to utilize their products. One of the ways they are utilized is to use their products as collateral to obtain certain financing. To support creative economy players in overcoming financing problems, the government has issued PP no. 24 of 2022 concerning the Creative Economy (PP Ekraf) which allows intellectual property to be used as collateral for debt. This paper aims to find out and analyze how it is regulated if intellectual property rights are used as collateral for debt according to Government Regulation Number 24 of 2022 and the obstacles that will be found in the process considering that intellectual property rights are intangible assets. This study uses the literature review method or literature review. Regulation of intellectual property rights as collateral for debt according to Government Regulation Number 24 of 2022. Intellectual Property is property that arises or is born due to human intellectual abilities through creativity, taste and initiative which can be in the form of works in the fields of technology, science, art and literature. Intellectual Property Rights (IPR) are important to protect intellectual property from theft and infringement. The object used as collateral for debt in an intellectual property-based financing scheme is intellectual property. So that an arrangement for intellectual property rights was formed as collateral for debt according to Government Regulation Number 24 of 2022. There are 4 (four) conditions that must be met, namely having a proposal for financing creative economy businesses, proof of ownership of intellectual property for creative economy products, and having proof of ownership of creative economy businesses and intellectual property certificates. In its implementation, it is hoped that the Government will continue to be present in providing outreach to the general public and convincing financial institutions to create confidence in the economic value of the products of creative economy actors. Keywords: Intellectual Property Rights, Debt Guarantee, Government Regulation Number 24 of 2022
PERAN NOTARIS DALAM PEMANFAATAN RUANG BAWAH TANAH UNTUK SARANA JARINGAN UTILITAS TERPADU DI DKI JAKARTA Batubara, Mohammad Isfan; Adi, Emmanuel Ariananto Waluyo; Wirdyaningsih, Wirdyaningsih
JISIP: Jurnal Ilmu Sosial dan Pendidikan Vol 6, No 1 (2022): JISIP (Jurnal Ilmu Sosial dan Pendidikan)
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/jisip.v6i1.2724

Abstract

Peningkatan bonus demografi di Indonesia menyebabkan jumlah permukaan lahan untuk dimanfaatkan ruangnya dalam menggerakan roda ekonomi semakin sempit. Provinsi Daerah Khusus Ibukota Jakarta yang menjadi pusat bisnis dalam menghadapi masalah keterbatasan lahan perlu memanfaatkan ruang bawah tanah yang ada. Keberadaan ruang bawah tanah pada praktiknya dimanfaatkan untuk sarana jaringan utilitas terpadu agar pemanfaatan lahan menjadi lebih optimal. Sebelum adanya Undang-Undang Nomor 11 Tahun 2020 pemanfaatan ruang bawah tanah tidak diatur secara komprehensif. Kemudian barulah Peraturan Pemerintah No. 18 tahun 2021 menegaskan secara yuridis bahwa terdapat pemisahan secara horizontal antara kepemilikan hak atas tanah di atas permukaan dengan di bawah tanah. Namun dalam penerapan peraturan-peraturan dimaksud masih perlu adanya sosialisasi terus menerus agar tercipta keteraturan pemahaman hukum. Lebih lanjut, dengan adanya Putusan Mahkamah Konstitusi Nomor 91/PUU-XVIII/2020 yang menyatakan UUCK inkonstitusional bersyarat diduga dapat memperlambat proses penerapan peraturan baru ini. Bahwa dalam hal ini diperlukan peranan notaris sebagai pejabat pembuat akta tanah yang akan bersinggungan dengan hal-hal dimaksud. Notaris perlu turut andil dalam peran edukasi terkait khususnya pelaksanaanya selama masa pandemi covid-19 saat ini. Penulis menemukan dalam pemanfaatan ruang bawah tanah menggunakan hak guna bangunan dimana untuk pembuatan aktanya dapat diproses oleh notaris.Keyword: Notaris, ruang bawah tanah, jaringan utilitasAbstractThe increase in the demographic bonus in Indonesia causes the amount of land to be used for economic development purposes has its own limitation. The Province of the Special Capital City Region of Jakarta, which is a business center that dealing with the problem of limited land, needs to take advantage of the existing underground space. The existence of underground space is usually utilized for integrated utility network facilities so that land use becomes more optimal. Prior to Law Number 11 of 2020 the use of underground spaces was not comprehensively regulated. Then the Government Regulation No. 18 of 2021 juridically confirms that there is a horizontal separation between ownership of land rights above the surface and below the ground. However, in the application of these regulations, there is still a need for continuous socialization in order to create a regular understanding of the law. Furthermore, with the Constitutional Court Decision Number 91/PUU-XVIII/2020 which states that the UUCK is conditionally unconstitutional, it is suspected that it can slow down the process of implementing this new regulation. That in this case the role of a notary as an official making land deeds is needed which will intersect with the underground utilization. Notaries need to take part in the role of related education, especially its implementation during the current covid-19 pandemic. The author finds that in the use of the basement using the right to use the building where the deed can be processed by a notary.
JALAN PANJANG DAN BERLIKU MENUJU DIGITALISASI PENEGAKAN HUKUM PEMILU DI INDONESIA Wirdyaningsih
Jurnal Keadilan Pemilu Vol. 1 No. 1 (2020): Jurnal Keadilan Pemilu
Publisher : Bawaslu Provinsi Jawa Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55108/jkp.v1i1.150

Abstract

Banyak keuntungan yang dapat diperoleh dari proses digitalisasi, namun masih banyak permasalahan dalam pelaksanaan digitalisasi hukum di Indonesia. Wacana digitalisasi penegakan hulcum pemilihan umum masih menjadi perdebatan sehingga harus dikaji secara serius agar dapat dilaksanakan pada Pemilu di Indonesia. Penulis menganalisis berdasarkan kajian normatif yuridis terkait dengan permasalahan digitalisasi dalam penegakan hukum di Indonesia dan menawarkan solusi untuk mengatasi kendala digitalisasi Pemilu dan penegakan hukum Pemilu. Dalam penegakan hukum pemilu Bawaslu harus memeriksa, mengkaji, menindaklanjuti; dan memantau kasus pemilihan umum, agar sesuai dengan prosedur dan peraturan. Penyelenggaraan Pemilu harus menyiapkan teknologi; mengatasi permasalahan Cybercrime; menyusun regulasi; mempermudah birokrasi; mengatasi kendala kondisi geografis; memperkuat profesionalitas dan integritas Penyelenggara Pemilu; termasuk kemampuan sumber daya -manusia dalam pelaksanaan teknis digitalisasi penegakan hukum Pemilu. Struktur Hukum, Substansi Hukum dan Budaya Hukum dapat diterapkan untuk mempengaruhi keberhasilan penegakan hukum di suatu masyarakat yang saling bersinergi untuk penegakan hukum. Kesiapan KPCI dalam pelaksanaan digitalisasi pemilu harus diiringi dengan upaya Bawaslu mewujudkan transparansi dan akuntabilitas digitalisasi penegakan hukum Pemilu.
THE URGENCY OF ANTI-CIRCUMVENTION ARRANGEMENTS IN INDONESIA: A COMPARATIVE ANALYSIS WITH THE UNITED STATES AND ISLAMIC LAW PERSPECTIVES Prasetyo, Adi; Wirdyaningsih, Wirdyaningsih
istinbath Vol. 24 No. 1 (2025): June
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v24i1.941

Abstract

This study examines the urgency of anti-circumvention regulations in Indonesia to address the practice of circumvention that harms the domestic industry and state revenue. Circumvention, or avoidance of anti-dumping import duties in Indonesia, often occurs through diverting export routes through third countries. For example, H&I Section steel from China has entered Indonesia via Thailand. Similarly, after anti-dumping was imposed on Chinese HRC Alloy products, imports from Japan, Taiwan, and Vietnam surged. As a result, the domestic industry experienced significant sales volume and profits declines, while the country lost potential revenue. The broader impact includes reduced anti-dumping policy effectiveness, increased risk of layoffs, and factory closures due to unfair competition resulting from circumvention. This study employs qualitative normative research methods through a literature review, examining primary legal materials (such as laws and regulations from Indonesia and the U.S.), secondary sources (literature, journals, previous research results), and tertiary sources (legal dictionaries, encyclopedias). The analysis uses a comparative approach between the Indonesian and United States legal systems and examines Islamic law's perspective on these practices. The study’s findings indicate that Indonesia lacks specific regulations to address circumvention, unlike the United States, which already has a structured system. Concrete recommendations include: first, there is a need for a clear operational definition of circumvention. Second, an integrated monitoring system should be developed based on national trade data and community involvement through complaint channels. Third, the investigation procedure should allow initiation by both the authorities and external parties, with field verification and a deadline for completion. Fourth, progressive sanctions should be enforced, such as expanding anti-dumping import duties, suspending import permits, and imposing retroactive fines. Regulations can be further strengthened by adopting best practices from countries such as the United States and integrating the principles of maqashid sharia (justice, protection of property, and public welfare) so that regulations are technically effective, fair, and socially sustainable. With these measures, Indonesia can close the regulatory gap regarding circumvention, protect the domestic industry, and optimize state revenues from the international trade sector.
Penerapan Prinsip-Prinsip Perdagangan Internasional (Word Trade Organization) dalam Tinjauan Maqashid Syari’ah Salman Nashih Amiin; Wirdyaningsih
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i9.8571

Abstract

The World Trade Organization (WTO) is an international trade organization that regulates international trade activities. The WTO has principles that are firmly held in regulating international trade activities. One of the WTO principles that underlies other principles is non-discrimination, which means equal treatment and does not differentiate between member countries. Agreements with the principle of non-discrimination that must be implemented by every WTO member without exception do not necessarily provide justice to every member because not all members have the same conditions, such as developed countries, developing countries and poor countries. Indonesia, which is a member of the WTO and the majority of Indonesian people who are Muslim, is automatically bound and obliged to implement WTO provisions and Islamic law. The problem studied is the suitability of the application of WTO principles in Islam according to the Maqashid Syar'ah review. The research method used is the doctrinal research method. This research is a literature review (liberary research) sourced from scientific works and WTO principles. The results of this study indicate that there are several applications of WTO principles that are less appropriate in the study of maqashid sharia, namely the principles of Most Favored Nation (MFN) and Reciprocity, but there are several WTO principles that are appropriate to the study of maqashid sharia, namely the principles of National Treatment, Free Trade, Fair Competition, Special and Differential Treatment and Transparency. Keywords: Maqashid syari’ah; Principle of Trade; World Trade Organization