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All Journal Jurnal Hukum tora: Hukum mengatur dan melindungi masyarakat JOURNAL OF SCIENCE AND SOCIAL RESEARCH Jurnal Lemhannas RI Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora (JURRISH) Journal of International Islamic Law, Human Right and Public Policy
Muhammad Yadi Harahap
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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LANDASAN PEMIKIRAN TENTANG PEMBEBANAN JAMINAN DALAM KONTRAK PEMBIAYAAN MUDHARABAH PERSPEKTIF UU NO. 21 TAHUN 2008 TENTANG PERBANKAN SYARIAH Muhammad Yadi Harahap
to-ra Vol. 3 No. 1 (2017): April
Publisher : Fakultas Hukum Universitas Kristen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33541/tora.v3i1.1122

Abstract

The practice of sharia banking in Indonesia, the provision of mudharabah financing is generally followed by the provision of guarantees by business actors, since mudharabah financing contracts which are not followed by collateral are difficult to obtain mudharabah financing. Sharia banking interpreting collateral is an additional collateral for businesses managed by business actors in accordance with article 1 verse 26 of Law no. 21 of 2008 concerning Sharia Banking. For Sharia Banks Mudharabah financing guarantee is the second source of payment of capital given while the main source is the result of mudharib’s business. When the business actor fails to fulfill its obligations to the sharia bank, the guarantee can be used as an effort to anticipate the failure to pay the financing provided. The problems that form the basis of this research is what is the basis of the idea of imposition of collateral in mudharabah financing contract perspective of Law no. 21 of 2008. To analyze the above research question the author uses normative juridical research as a method so that found a comprehensive, systematic, critical, constructive and argumentative answers. Keywords: jaminan, kontrak, pembiayaan, mudharabah, UU No. 21 tahun 2008 tentang perbankan syariah.
Produk Pangan Berlabel Halal sebagai Ketahanan Nasional Baru di Kota Medan Mospa Darma; Nawir Yuslem; Muhammad Yadi Harahap
Jurnal Lemhannas RI Vol 9 No 3 (2021)
Publisher : Lembaga Ketahanan Nasional Republik Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55960/jlri.v9i3.411

Abstract

Latar belakang, Kebersihan merupakan sumber kesehatan terhadap jiwa dan raga bagi personal dan lingkungan sekitarnya. Pola makanan dan minuman yang bersih dan sehat sangatlah menjadi prioritas utama didalam sumber kehidupan masyarakat pasca kebiasaan baru. Tujuan Utama dari penelitian ini untuk menegetahui kapasitas produk pangan berlabel halal sebagai ketahanan baru di Kota Medan. Metode: Dalam penelitian ini dilakukan dengan pendekatan secara yuridis normatif. Pengambilan sampel secara normatif sebagai acuan atas produk di lapangan pertumbuhan industri dan perkembangan produk berlabel halal hingga priode tahun 2020, Hasil: Pencapaian yang di peroleh dengan metode dan sisitem produk pangan yang higienis berlabel halal memberikan dampak yang positif dari sudut peningkatan ekonomi serta daya minat masyarakat Kota Medan serta menimbulkan budaya baru tentang memperhatikan kebersihan. Peran serta aparat Pemerintah didukung Anggota Legislatif memberikan perobahan yang signifikan ditengah masyarakat.. Simpulan: Penerapan produk pangan berlabel halal yang diyakini adalah higieneis dalam kondisi pasca pademi yang mengutamakan kebersihan dan kesehatan memberikan dampak positip didalam ketahanan ekonomi di Kota Medan khususnya.
SHARIA BANKING FINANCING INSTRUMENTS IN THE FORM OF DEBT FINANCING Asrat Nita Waty; Muhammad Yadi Harahap
Journal of International Islamic Law, Human Right and Public Policy Vol. 1 No. 4 (2023): December
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59733/jishup.v1i4.21

Abstract

Instruments in sharia banking have many forms of contracts or financing that are used in sharia banking. Even though you have many contracts or types of financing, sharia banking must be based on sharia principles. Legally, sharia banking is regulated in Law Number 21 of 2008 concerning sharia banking. However, sharia banking must also refer to the Koran and hadith which are contained in the DSN-MUI fatwa. Murabahah contracts are used in sales and purchase principle products, contracts or sales and purchase agreements can technically be applied in the banking world, especially sharia banking. Murabahah financing almost dominates all forms of distribution of funds to sharia banks, in number, this gives the impression that all sharia bank fund distribution transactions are deliberately made murabahah, possibly to minimize the risks that will befall the bank in each distribution of funds. By utilizing the concept of a sale and purchase agreement, transactions in banking can be avoided from usury. Compared to other financing mechanisms, murabahah is the most profitable and carries the least risk for sharia banks.
PERLINDUNGAN KEUANGAN NEGARA TERKAIT PEMESANAN PLAT NOMOR KENDARAN ILEGAL PERSPEKTIF SADD ADZ- DZARIAH Muhammad Da’i Qolbi; Muhammad Yadi Harahap
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 8 No. 2 (2025): May 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i2.3064

Abstract

Abstract: This study examines the practice of ordering and selling illegal vehicle license plates in Beringin Village, Deli Serdang Regency, using the Sadd Adz-Dzariah approach in Islamic law. Such activities harm state finances by reducing potential tax revenues and contributing to increased criminal acts. Although these transactions meet the legal requirements of a sale in Islamic jurisprudence, they involve a high degree of harm (mafsadah). According to the Sadd Adz-Dzariah principle, actions that are originally permissible can become prohibited if they are likely to cause damage. Therefore, despite providing economic benefits for sellers, the sale of illegal license plates is deemed impermissible due to the greater harm it causes compared to its benefits. Keywords: Sadd Adz-Dzariah, Illegal License Plates, Islamic Law, Muamalah                 Jurisprudence, State Finances, Buying And Selling, Harmful Impacts Abstrak: Penelitian ini membahas praktik pemesanan dan penjualan plat nomor kendaraan ilegal yang terjadi di Desa Beringin, Kabupaten Deli Serdang, dengan menggunakan pendekatan Sadd Adz-Dzariah dalam hukum Islam. Aktivitas ini dipandang merugikan keuangan negara karena menghilangkan potensi penerimaan pajak kendaraan serta berkontribusi terhadap peningkatan tindak kriminalitas. Meskipun dari segi jual beli, transaksi ini memenuhi rukun dan syarat sah menurut fiqih, praktiknya mengandung unsur kemafsadatan yang tinggi. Dalam prinsip Sadd Adz-Dzariah, tindakan yang semula mubah bisa menjadi haram bila berpotensi menimbulkan kerusakan. Oleh karena itu, penjualan plat nomor ilegal ini, meskipun memberikan manfaat ekonomi bagi pelaku usaha, tetap dipandang tidak diperbolehkan karena lebih banyak membawa kerugian daripada kemaslahatan. Kata kunci: Sadd Adz-Dzariah, Plat Nomor Ilegal, Hukum Islam, Fiqih Muamalah, Keuangan Negara, Jual Beli, Dampak Kemafsadatan  
Kedudukan dan Kekuatan Hukum Akta Kuasa Menjual terhadap Objek Jaminan Fidusia Muhammad Yadi Harahap; Jihan Salsabila Najma Sari; Adinda Dara Sakinah Lubis; Aisyah Syafitri Ilham; Amanda Zahra Nasution
Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora Vol. 5 No. 4 (2026): JURRISH: Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrish.v5i4.9512

Abstract

The growth of financing activities in Indonesia has increased the use of fiduciary security as a legal instrument to protect creditors. In practice, besides the fiduciary security deed, a power of attorney to sell is often executed, granting authority to creditors to sell the collateral object when the debtor defaults. The existence of such a deed raises legal issues concerning its legal status in fiduciary agreements, its legal force over fiduciary collateral, and the legal protection afforded to creditors and debtors. This study aims to analyze the legal position of the power of attorney to sell in fiduciary security agreements, examine its legal force over fiduciary collateral, and identify the forms of legal protection available to the parties involved. Research findings show that the power of attorney for sale is an additional agreement, so its existence depends on the existence of the main agreement in the form of a financing contract which is the basis of the legal relationship between the parties. Data were collected through library research involving primary, secondary, and tertiary legal materials, which were analyzed qualitatively. The findings indicate that the power of attorney to sell constitutes an accessory agreement whose existence depends on the principal financing agreement. The deed has binding legal force based on Articles 1792 and 1338 of the Indonesian Civil Code and serves as a supporting instrument for the exercise of creditors’ rights over fiduciary collateral. Legal protection for creditors is reflected in the assurance of debt repayment through the collateral, while debtors are protected through their rights to information, entitlement to any surplus proceeds from the sale of collateral, and access to dispute resolution through negotiation, mediation, or court proceedings.
Peralihan Risiko terhadap Turunnya Harga Objek Gadai Muhammad Yadi Harahap; Amanda Putri Fajrin; Laila Rizqillah; Vivian Alyssa Chandra; Anis Malisti Siregar
Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora Vol. 5 No. 4 (2026): JURRISH: Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrish.v5i4.9571

Abstract

The shifting of risk due to the reduction in value of secured property is a legal matter that can influence the relationship between the party granting the pledge and the recipient of the pledge. A decrease in the worth of secured properties can occur due to market changes, damage to the property, or various economic conditions, potentially leading to financial losses for one party. This research seeks to investigate how responsibility for these risks is determined under Indonesian security regulations and the rules that govern pledge contracts. The research utilizes a legal normative methodology that analyzes statutes and literature. The results show that, generally, the responsibility for any decline in the financial value of pledged assets falls on the pledgor, unless such depreciation is due to the pledgee's negligence. Nevertheless, if the devaluation stems from the pledgee’s lack of care or negligence in protecting the pledged assets, the pledgee could be deemed legally accountable according to relevant laws. Therefore, applying the principles of caution, integrity, and legal assurance is crucial for maintaining a fair balance in the rights and duties of both parties.
Co-Authors Adinda Dara Sakinah Lubis Aisyah Syafitri Ilham Amanda Putri Fajrin Amanda Zahra Nasution Anis Malisti Siregar Asrat Nita Waty Emma Andini Jihan Salsabila Najma Sari Laila Rizqillah Mospa Darma Muhammad Da’i Qolbi Nawir Yuslem Vivian Alyssa Chandra