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<![CDATA[Prinsip Kemanfaatan Ujrah pada Take Over Kredit Kepemilikan Rumah (KPR) di Bank Syariah melalui Pendekatan Maqāshīd Syarīah ]]>
<![CDATA[Maudyna Fitria]]>;
<![CDATA[Rahmadi Indra Tektona]]>;
<![CDATA[Dyah Ochtorina Susanti]]>
<![CDATA[ Mutawasith: Jurnal Hukum Islam Vol 5 No 2 (2022) ]]>
Publisher : <![CDATA[Prodi Hukum Ekonomi Syariah (Muamalah) ]]>
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DOI: 10.47971/mjhi.v5i2.503
<![CDATA[The ujrah system in the take over of home ownership loans in Islamic banks on the use of hawalah and qardh contracts, which are basically hawalah and qardh contracts, is a type of tabarru' contract which is helpful or voluntary and may not take profit. The existence of taking Ujrah or fees in take over KPR transactions by Islamic banks, of course, is a deviation with the meaning of tabarru', namely helping, but taking Ujrah in the hawalah contract is allowed based on the DSN fatwa Number 58/DSN-MUI/V/2007 concerning Hawalah bil Ujrah must based voluntarily and by agreement, although hawalah itself in the theory of Islamic law contracts is a tabarru or non-profit contract. The research method is a normative (doctrinal) research method, which examines or analyzes legal rules related to the object of this research, namely the ujrah system in take over in Islamic banks. So it can be concluded that the use of the ujrah system in the practice of taking over home ownership loans at Islamic banks has the characteristics of a fee-taking system for the benefit of goods or services, not to get excessive profits because it is helping.]]>
<![CDATA[UPAYA HUKUM ATAS PENENTUAN NILAI LIMIT LELANG OLEH BANK DI BAWAH HARGA PASAR ]]>
<![CDATA[Rahmadi Indra Tektona]]>;
<![CDATA[Ulhfah Mutiarachmah]]>
<![CDATA[ Yurispruden: Jurnal Fakultas Hukum Universitas Islam Malang Vol 4 No 2 (2021): Yurispruden: Jurnal Fakultas Hukum Universitas Islam Malang ]]>
Publisher : <![CDATA[Fakultas Hukum Universitas Islam Malang ]]>
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DOI: 10.33474/yur.v4i2.9576
<![CDATA[he limit value was a key part in the auction. The bank was as a seller who would determine auction limit value which was based on the assessor’s assessment and evaluator’s estimation ruled in the article 44 paragraph (1) and (2) and the article 45 of Minister of Finance’s Regulation 27/PMK.06/2016 on the instructions of auction. The problem was whether the auction cancellation could be performed based on the limit value determination below the market price? Second, what were the legal efforts which could be attempted by the debtor when the auction limit value determination from bank was under the market price? This research was a juridical normative research. Based on the research finding, the researcher drew a conclusion that the determination of auction limit value below the market price could not be a base of auction cancellation on pre-auction stage and auction stage, since the auction cancellation could only be cancelled upon the seller’s request or based on court’s decision or sentence. Furthermore, the debtor who might feel harmed over the auction limit value determination could do some legal efforts to file a lawsuit.]]>
<![CDATA[ACCOMPANIMENT APPLICATION OF MUZARA’AH CONTRACT IN COFFEE PLANTATION AREA BETWEEN FOREST MANAGEMENT UNIT (KPH) OF PERHUTANI COMPANY JEMBER AND MULYOREJO VILLAGE ]]>
<![CDATA[Rahmadi Indra Tektona]]>
<![CDATA[ As-Sidanah Vol 5 No 1 (2023): APRIL ]]>
Publisher : <![CDATA[LP2M Universitas Ibrahimy ]]>
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DOI: 10.35316/assidanah.v5i1.148-162
<![CDATA[Muslims are prohibited from carrying out economic muamalah activities in any field without knowledge about muamalah. Muzara'ah is an agricultural processing cooperation between the land owner and cultivator, the land owner gives agricultural land to the cultivator to be planted and maintained in return for a certain share (percentage) of the crop. Farmers who have been working as farmers for a long time, the availability of land, and the application of coffee agroforestry with the muzara'ah concept are expected to be able to improve the economy in farmer families. Unlike the case with farmers who initially did not have a job or became agricultural laborers, the existence of former forest land and the application of agroforestry are considered capable of providing opportunities to work and generate income. The research area or location chosen is in Mulyorejo Village, Silo District, Jember Regency, East Java. This decision was made with the consideration that Mulyorejo Village has experienced forest conversion into coffee-based agroforestry land and is currently experiencing conflict-prone areas. The research method used is Community development with a case study approach, counseling, training, and mentoring methods. The paper shows that the partnership agreement in the muzara'ah contract in coffee plantation area is an effort to provide legal certainty guarantees for partnering parties which in turn can improve the socio-economic for the people of Mulyorejo village and provide benefits for Perhutani KPH Jember and Jember Regency.]]>
<![CDATA[Quo Vadis : Kebijakan Politik Hukum Bank Syari’ah Pasca Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah ]]>
<![CDATA[Rahmadi Indra Tektona]]>
<![CDATA[ Jurnal Cendekia Hukum Vol 8, No 2 (2023): JCH (JURNAL CENDEKIA HUKUM) ]]>
Publisher : <![CDATA[STIH Putri Maharaja ]]>
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DOI: 10.33760/jch.v8i2.613
<![CDATA[The existence of legal politics in Islamic banks comprises the most common method for creating and enforcing regulations that can illustrate the kind and course in which the law will be constructed and implemented on the grounds. This is because the definition of legal politics itself is the official direction that the state uses as a basis to create and implement laws to achieve state goals. There are two dimensions of legal politics to consider when studying regulation: the basic policy dimension of why regulation is promulgated and the policy dimension of enactment. Regulations must be able to provide a basis and respond to the absence of the necessary supporting institutions for the Sharia banking industry, which serves as a form of improvement and implementation of the process of transforming the system of Islamic law into an integral part of the national legal system and laws regarding the operational system of banking business activities. The participation of Islamic banks in Indonesia is an important factor in national growth. This study employs an analytical-descriptive approach. It is a study that uses the statutory approach and the conceptual approach to define the scope and assess its existence. The formulation problem of this study is Quo Vadis: The Legal Politics of Islamic Banks under Post-Law Number 21 of 2008 on Sharia Banking. The purpose of this study is to examine the role of the state in regulating the development of Sharia banking in the context of the Plan to Create a Law on Sharia Economics.]]>
<![CDATA[Prinsip Kepastian Hukum Tanda Tangan Elektronik Pada Akta Rapat Umum Pemegang Saham Melalui Telekonferensi ]]>
<![CDATA[Vela Ardian Ninda]]>;
<![CDATA[Ermanto Fahamsyah]]>;
<![CDATA[Rahmadi Indra Tektona]]>
<![CDATA[ Jurnal Syntax Transformation Vol 4 No 6 (2023): Jurnal Syntax Transformation ]]>
Publisher : <![CDATA[CV. Syntax Corporation Indonesia ]]>
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DOI: 10.46799/jst.v4i6.748
<![CDATA[tujuan penelitian ini adalah mengkaji dan menganalisa kekuatan pembuktian terhadap terhadap tanda tangan elektronik pada akta rapat umum pemegang saham yang dilakukan secara telekonferensi, mengkaji dan menganalisa akibat hukum terhadap tanda tangan elektronik pada rapat umum pemegang saham yang dilaukan secara telekonferensi, serta mengkaji dan menganalisa pedoman kedepan terkait tanda tangan elektronik pada rapat umum pemegang saham secara telekonferensi dari segi sarana dan prasarana. Metode penelitan yang digunakan yakni yuridis normatif (legal research). Pendekatan masalah yang digunakan dalam penelitan ini yaitu pendekatan perundang-undangan (statute approach), pendekatan perbandingan (comparative approach), dan pendekatan sejarah (historical approach). Sumber bahan hukum yang digunakan ialah bahan hukum primer dan sekunder. Hasil penelitian menyimpulkan Pertama, Rapat Umum Pemegang Saham (RUPS) Telekonferensi sudah dilegalkan dalam pasal 77 ayat (1) jo. penjelasan pasal 77 ayat (4) Undang-Undang Perseroan Terbatas (UUPT) dan tanda tangan elektronik juga sudah diatur dalam pasal 11 Undang-Undang Informasi dan Transaksi Elektronik. Pasal tersebut kontras dengan aturan UUJN-P pasal 16 ayat (1) huruf m yang mengharuskan para pihak untuk bertatap langsung dengan Notaris. Beberapa pasal tersebut dapat disimpulan dinilai dari asas perundang-undangan lex specialis derogate legi generali dimana yang menjadi lex generali-nya adalah UUJN-P dan posisi lex specialis-nya adalah UUPT. Dari asas tersebut maka dapat disimpulkan jika hasil dari RUPS Telekonferensi adalah sah serta dapat dijadikan sebagai alat bukti karena sudah ada payung hukum yang mengatur.]]>
<![CDATA[Karakteristik Akad Mukhabarah bil Mudharabah Pada Kemitraan Pertanian Tebu ]]>
<![CDATA[Auliya Safira Putri]]>;
<![CDATA[Dyah Ochtorina Susanti]]>;
<![CDATA[Rahmadi Indra Tektona]]>
<![CDATA[ Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 12 No 2 (2023) ]]>
Publisher : <![CDATA[University of Udayana ]]>
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DOI: 10.24843/JMHU.2023.v12.i02.p09
<![CDATA[The presence of an imbalance in the partnership between sugar mills and sugarcane farmers under the agricultural land leasing system has an impact on national sugar productivity. This study was based on the speculative hypothesis that existing partnerships frequently harm sugarcane farmers. The goal of this study is to examine a type of partnership that occurs in sugar cane farming in Indonesia using a new method based on sharia economic law known as the mukharabah bil mudharabah contract. The research method employed in this study is normative-juridical, including statutory and conceptual methods. This research yielded findings in the form of a new concept that depicts the characteristics of sugarcane farmer partnerships based on the mukharabah bil mudharabah contract and provides policy input for the government regarding sugarcane farmer partnerships with financing institutions based on the mukharabah bil mudharabah contract. In relation to this, the researchers proposed the concept of a "mukharabah bil mudharabah" contract to replace the partnership concept that has been implemented thus far in the hope that it will not be detrimental to sugarcane farmers. Adanya ketidakseimbangan pada kerja sama kemitraan di antara pabrik gula dan petani tebu yang dilakukan dengan sistem sewa lahan pertanian mempengaruhi produktivitas gula nasional. Penelitian ini dilakukan dengan dasar hipotesa sementara bahwa kemitraan yang ada saat ini sering kali merugikan petani tebu. Objek penelitian ini adalah bentuk kemitraan yang terjadi pada pertanian tebu di Indonesia dengan metode baru berdasarkan konsep hukum ekonomi syariah yang dikenal dengan nama akad mukharabah bil mudharabah. Metode penelitian yang digunakan dalam penelitian ini yaitu yuridis normatif dengan pendekatan perundang-undangan dan pendekatan konseptual. Penelitian ini menghasilkan temuan berupa konsep baru yang menunjukkan karakteristik mengenai kemitraan petani tebu berdasar akad mukharabah bil mudharabah, dan masukan kebijakan bagi pemerintah terkait kemitraan petani tebu dengan lembaga pembiayaan dengan berdasar konsep akad mukharabah bil mudharabah. Terkait hal tersebut maka peneliti mengajukan konsep akad mukharabah bil mudharabah guna menggantikan konsep kemitraan yang selama ini dijalankan dengan harapan tidak merugikan petani tebu.]]>
<![CDATA[Implikasi Hukum Terhadap Kredit Bermasalah Pada Perusahaan Pembiayaan Saat Wabah Pandemi Covid 19 ]]>
<![CDATA[Rahmadi Indra Tektona]]>;
<![CDATA[Edi Wahjuni]]>
<![CDATA[ Jurnal Hukum Mimbar Justitia Vol 8, No 1 (2022): Published 30 Juni 2022 ]]>
Publisher : <![CDATA[Universitas Suryakancana ]]>
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DOI: 10.35194/jhmj.v8i1.2121
<![CDATA[In the era of the Covid-19 Pandemic as a form of national disaster that must receive special attention, because the condition of the Covid-19 Pandemic greatly affects the health and economy of the community. The community's economy as a result of the Covid-19 pandemic, has an impact on finance companies where debtors have difficulty in paying debt obligations. The implementation of the responsibilities of financial institutions as institutions that collect public funds in carrying out their activities is regulated in the Financial Services Authority regulation Number 11/POJK.03/2020 concerning National Economic Stimulus as a Countercyclical Policy. Basically, by providing asset quality determination and concessions to debtors by means of credit restructuring is the best step. Thus, debtors whose credit is bad because of problems cannot pay off debts can be saved. The title of this article is the legal implications of non-performing loans in financing companies as a forum for collecting public funds which will later be channeled back to people who need funds. The purpose of this research is expected to increase knowledge of scientific works in the field of financing law, and is also expected to contribute ideas in terms of scientific development, especially in financing law.Keywords : Legal Implications, Non-Performing Loans, Financing Companies, Covid 19 Pandemic.]]>
<![CDATA[Pembatalan Akta Pembiayaan Mudharabah yang Tidak Berdasarkan Prinsip Syariah ]]>
<![CDATA[Anggita, Sheila Novia]]>;
<![CDATA[Susanti, Dyah Ochtorina]]>;
<![CDATA[Tektona, Rahmadi Indra]]>
<![CDATA[ Legalita Vol 6 No 1 (2024): Jurnal Hukum Legalita ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Kotabumi ]]>
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DOI: 10.47637/legalita.v6i1.1138
<![CDATA[The cancellation of a mudharabah financing deed that does not comply with sharia principles has major legal repercussions, such as cancellation of contracts and restitution of rights obtained by both parties. The Bank may be required to refund any payments or profits made from unauthorized transactions. Notary / PPAT plays a role in ensuring compliance with sharia principles and fair settlement. Suggestions for banks include improved vetting, staff training, information transparency, and ensuring compliance with sharia law. The debtor needs to understand the principles of sharia and abide by the agreement. Notaries must conduct careful document checks, consultation with sharia experts, and constant education on sharia principles. Thus, collaboration between banks, debtors, and notaries/PPAT is important to ensure compliance with sharia principles and fair settlement in such cases. Keywords: mudharabah, Shariah principles, Notary/PPAT]]>
<![CDATA[PERMANENT LEGAL STRENGTH (INKRACHT VAN GEWEIJSDE) PKPU PEACE IN BANKRUPTCY LAW ]]>
<![CDATA[Poesoko, Felly Felmmy Dwi Renaningtyas]]>;
<![CDATA[Susanti, Dyah Ochtorina]]>;
<![CDATA[Tektona, Rahmadi Indra]]>;
<![CDATA[Suci, Ivida Dewi Amrih]]>;
<![CDATA[Astutik, Sri]]>
<![CDATA[ Awang Long Law Review Vol. 6 No. 2 (2024): Awang Long Law Review ]]>
Publisher : <![CDATA[Sekolah Tinggi Ilmu Hukum Awang Long ]]>
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DOI: 10.56301/awl.v6i2.1167
<![CDATA[The decision to ratify PKPU peace (homologation) based on its regulations has permanent legal force (inkracht van geweijsde). The nature of permanent legal force is related to whether it can be executed or implemented immediately, so that this decision requires legal certainty by stating that the decision must have permanent legal force. Bankruptcy law regulates differently regarding the permanent legal force in PKPU decisions, the difference being that the permanent legal force does not apply to the entire substance of the case but only to the peace agreement agreement, which can be called limited permanent legal force. Regarding this specificity, the researcher wants to analyze it under the title "permanent legal force (inkracht van geweijsde) of PKPU peace in bankruptcy law". This research uses normative juridical research methods, with the analysis of peace theory, legal system theory and theory of legal objectives with a statutory approach, conceptual approach and case approach and which is expected to have prescriptive value in the future in accordance with its axiology, namely the aim of law is justice]]>
<![CDATA[Kedudukan Covernote Notaris dalam Pencairan Kredit di Perbankan ]]>
<![CDATA[Devayanti, Rania Ayang]]>;
<![CDATA[Susanti, Dyah Ochtorina]]>;
<![CDATA[Tektona, Rahmadi Indra]]>
<![CDATA[ Jurnal Hukum Mimbar Justitia Vol 10, No 1 (2024): Published Juni 2024 ]]>
Publisher : <![CDATA[Universitas Suryakancana ]]>
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DOI: 10.35194/jhmj.v10i1.4074
<![CDATA[AbstrakCovernote biasanya diminta oleh para pihak, dalam hal ini adalah bank selaku kreditur serta debitur untuk proses pencairan kredit. Pencairan kredit yang menjaminankan tanah dan memerlukan sertifikat hak tanggungan, umumnya lebih lama prosesnya disebabkan masih adanya proses pengecekan dari Badan Pertanahan Indonesia. Keberadaan covernote diibaratkan sebagai jaminan dari pihak notaris bahwa sertifikat hak tanggungan akan dipastikan selesai selagi bank mencairan dana kredit tersebut. Namun keberadaan covernote hanya sebatas surat keterangan dan bukan termasuk ke dalam akta autentik yang dibuat oleh Notaris, sehingga jika notaris gagal memenuhi apa yang tertera di covernote maka akan sangat merugikan bank selaku kreditur. Tulisan ini didasarkan pada penelitian yuridis normatif, yang mengacu pada literatur hukum menggunakan bahan hukum primer dan bahan hukum sekunder dengan pendekatan konseptual dan pendekatan perundang-undangan. AbstractCovernote are usually requested by the parties, in this case the bank as the creditor and debtor for the credit disbursement proses. Disbursement of credit that guarantees land and requires a mortgage certificate generally takes longer because there is still a checking process from the Indonesian Land Agency. The existence of a covernote is seen as a guarantee from the notary that the mortgage certificate will be guaranteed to be completed while the bank disburses the credit funds. However, the existence of the covernote is only limited to a statement and is not included in the authentic deed made by the notary, so that if the notary fails to fulfil what is stated on the covernote it will be very detrimental to the bank as the creditor. This paper is based on normative juridical research, which refers to legal literature using primary legal materials and secondary legal materials with a context approach and a statutory-regulatory approach.]]>
