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All Journal REPERTORIUM Jurnal Ilmiah Ekonomi Islam NISBAH: JURNAL PERBANKAN SYARIAH Walisongo Law Review (Walrev) Etihad: Journal of Islamic Banking and Finance Abdi Makarti
Alvin Yahya, Alvin
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Religion Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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DISHARMONISASI HUKUM KEDUDUKAN KREDITUR PEMEGANG JAMINAN HUTANG DENGAN HAK PREFEREN Yahya, Alvin
REPERTORIUM Vol 1, No 1 (2014)
Publisher : REPERTORIUM

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

AbstractThe written of this article based on disharmony between act No. 4, 1996 about Dependent rights on the land along with the existing objects on top of it,   facing act No. 34, 2004, about bankruptcy and debt payment suspension article 56, 56, 58, 59, 60, 61 and chapter 6th about reconciliation.  This  article entitle “The Disharmony of law legal position of creditors the holder of a debt guarantee rights of preference”. legal position creditors the holder of debt guarantee rights of preferen in accordance with article 21 act 4,1996 still get a right of preference despite bankruptcy, however, in accordance with article 56 act34, 2004 there is a suspension of executions during the 90 days of declared bankrupt and plus 2 months of debitors declared a state of insolvency. Rights of preference are reduced by act No. 34, 2004, about Bankruptcy and debt payment suspension, although the legal certainly of the institution guarantees the rights of dependants is still valid, but creditors will suffer losses in material against the period of repayment of an existing credit facility. The principle is easy and definitely within the institution guarantees the rights of a dependent cannot be realized due to the procedure execution rights have to go through long and complicated procedure in the process of bankruptcy or debt payment suspension.AbstrakPenulisan ini dilatarbelakangi adanya disharmonisasi hukum antara Undang-undang Hak Tanggungan Atas Tanah Beserta Benda-benda yang Ada Diatasnya (UUHT) Pasal 21 dengan Undang-undang Kepailitan dan Penundaan Kewajiban Pembayaran Utang (UUKPKPU) Pasal 56, 57, 58, 59, 60 dan 61 serta Bagian Keenam Tentang Perdamaian. Maka penulisan artikel ini diberi judul “Disharmonisasi Hukum Kedudukan Kreditur Pemegang Jaminan Hutang dengan Hak Preferen”. Dengan pokok permasalahan Bagaimana kedudukan kreditur pemegang jaminan hutang dengan hak preferen. Kedudukan kreditur pemegang hak preferen terhadap jaminan kebendaan sesuai pasal 21 UUHT tetap mendapatkan hak preferennya meskipun terjadi kepailitan, akan tetapi sesuai dengan pasal 56 UUKPKPU terdapat penangguhan terhadap hak eksekusi selama 90  hari dari dinyatakan pailit dan ditambah 2 bulan dari debitur dinyatakan keadaan insolvensi. Hak preferen tereduksi dengan adanya UUKPKPU meskipun kepastian hukum terhadap lembaga jaminan hak tanggungan masih berlaku, akan tetapi kreditur akan mengalami kerugian secara materiil terhadap jangka waktu pengembalian fasilitas kredit yang ada. Asas kemudahan dan pasti didalam lembaga jaminan hak tanggungan tidak dapat terwujud dikarenakan prosedur hak eksekusi dari lembaga jaminan hak tanggungan harus melalui prosedur yang rumit dan lama didalam proses Kepailitan ataupun penundaan kewajiban pembayaran utang (PKPU).
DISHARMONISASI HUKUM KEDUDUKAN KREDITUR PEMEGANG JAMINAN HUTANG DENGAN HAK PREFEREN Yahya, Alvin
REPERTORIUM Vol 1, No 1 (2014)
Publisher : REPERTORIUM

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

AbstractThe written of this article based on disharmony between act No. 4, 1996 about Dependent rights on the land along with the existing objects on top of it,   facing act No. 34, 2004, about bankruptcy and debt payment suspension article 56, 56, 58, 59, 60, 61 and chapter 6th about reconciliation.  This  article entitle “The Disharmony of law legal position of creditors the holder of a debt guarantee rights of preference”. legal position creditors the holder of debt guarantee rights of preferen in accordance with article 21 act 4,1996 still get a right of preference despite bankruptcy, however, in accordance with article 56 act34, 2004 there is a suspension of executions during the 90 days of declared bankrupt and plus 2 months of debitors declared a state of insolvency. Rights of preference are reduced by act No. 34, 2004, about Bankruptcy and debt payment suspension, although the legal certainly of the institution guarantees the rights of dependants is still valid, but creditors will suffer losses in material against the period of repayment of an existing credit facility. The principle is easy and definitely within the institution guarantees the rights of a dependent cannot be realized due to the procedure execution rights have to go through long and complicated procedure in the process of bankruptcy or debt payment suspension.preference, Material losses. AbstrakPenulisan ini dilatarbelakangi adanya disharmonisasi hukum antara Undang-undang Hak Tanggungan Atas Tanah Beserta Benda-benda yang Ada Diatasnya (UUHT) Pasal 21 dengan Undang-undang Kepailitan dan Penundaan Kewajiban Pembayaran Utang (UUKPKPU) Pasal 56, 57, 58, 59, 60 dan 61 serta Bagian Keenam Tentang Perdamaian. Maka penulisan artikel ini diberi judul “Disharmonisasi Hukum Kedudukan Kreditur Pemegang Jaminan Hutang dengan Hak Preferen”. Dengan pokok permasalahan Bagaimana kedudukan kreditur pemegang jaminan hutang dengan hak preferen. Kedudukan kreditur pemegang hak preferen terhadap jaminan kebendaan sesuai pasal 21 UUHT tetap mendapatkan hak preferennya meskipun terjadi kepailitan, akan tetapi sesuai dengan pasal 56 UUKPKPU terdapat penangguhan terhadap hak eksekusi selama 90  hari dari dinyatakan pailit dan ditambah 2 bulan dari debitur dinyatakan keadaan insolvensi. Hak preferen tereduksi dengan adanya UUKPKPU meskipun kepastian hukum terhadap lembaga jaminan hak tanggungan masih berlaku, akan tetapi kreditur akan mengalami kerugian secara materiil terhadap jangka waktu pengembalian fasilitas kredit yang ada. Asas kemudahan dan pasti didalam lembaga jaminan hak tanggungan tidak dapat terwujud dikarenakan prosedur hak eksekusi dari lembaga jaminan hak tanggungan harus melalui prosedur yang rumit dan lama didalam proses Kepailitan ataupun penundaan kewajiban pembayaran utang (PKPU).
OPTIMISING PROFITABILITY: THE ROLE OF DPK, COF, AND LIQUIDITY ON THE SUSTAINABILITY OF ISLAMIC BANKS Rudiatna, Talitha Dwi Yumna; Yahya, Alvin
NISBAH: Jurnal Perbankan Syariah Vol. 10 No. 2 (2024): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v10i2.15879

Abstract

Third party funds are a source of funds for the bank in channeling it back to the community in the form of loans or financing, third party funds collected by the bank will return to the community with a difference in the ratio / profit sharing and / or margin in accordance with the agreed agreement, thus causing Cost of Fund for the bank against the third party funds. Apart from that, these third party funds can be taken at any time by customers in accordance with their deposit products so that banks are required to maintain and guarantee financial liquidity both in the long, medium and short term. Banks as an industry also focus on profitability so that one of the goals is to generate profits or profits. In this study the author carries out financial report analysis to see the level of value of each variable including third party funds, cost of funds and liquidity. The method used in this study is to use a sample from financial reports of Bank Syariah Indonesia with financial reports presented monthly from 2021-2024. The analysis test is used to be able to see how much influence on each variable using descriptive tests, classical assumptions, and multiple linear regression. The test results that have been carried out present data that Third Party Funds (DPK), Cost Of Fund (COF), have positive significant results on Profitability. While the results of the liquidity variable proxied by the current ratio are not positively significant to profitability at Bank Syariah Indonesia (BSI) with the period 2021-2024.
Integration of Pancasila Values in Economic Legal engineering for National Development Yahya, Alvin; Auliaurahman; Fadlulloh, Qolbi Hanif; Nurdin, Nazar; Imanullah, Moch Najib
Walisongo Law Review (Walrev) Vol. 6 No. 1 (2024)
Publisher : Universitas Islam Negeri Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/walrev.2024.6.1.22259

Abstract

This article explores the philosophical and constitutional foundations that form the basis for the development of economic law in Indonesia. As is known, Indonesian legal problems such as economic inequality, corruption, legal uncertainty, and complicated bureaucracy make it difficult for the Indonesian economy to develop. Laws that should have been engineered for development capital did not go according to plan. This article uses normative legal methods on legislative systematics. The approach in the paper uses a combination of legislative, philosophical and constitutional approaches. The research results show that the philosophical foundations of economic law in Indonesia are based on Pancasila, which functions to create stability, support development, uphold justice, and increase legal literacy. Economic law plays an important role in national development with the principles of faith, benefits, Pancasila democracy and social justice. The Indonesian Constitution emphasizes the principles of kinship and social justice in economic policy, although it is still challenged by capitalistic and socialistic tendencies. This is why it is important to integrate Pancasila values ​​to achieve sustainable and just development in Indonesia. Artikel ini mengeksplorasi dasar-dasar filosofis dan konstitusional yang menjadi dasar pengembangan hukum ekonomi di Indonesia. Seperti diketahui persoalan hukum Indonesia seperti ketimpangan ekonomi, korupsi, ketidakpastian hukum, hingga birokrasi berbelit membuat ekonomi Indonesia sulit berkembang. Hukum yang semestinya direkayasa untuk modal pembangunan tidak berjalan sesuai rencana. Adapun penelitian ini menggunakan metode hukum normatif pada sistematika perundang-undangan. Pendekatan dalam artikel menggunakan gabungan pendekatan perundang-undangan, filsafat dan konstitusional. Hasil penelitian menunjukkan bahwa dasar-dasar filosofis hukum ekonomi di Indonesia yang berlandaskan Pancasila, yang berfungsi untuk menciptakan stabilitas, mendukung pembangunan, menegakkan keadilan, dan meningkatkan literasi hukum. Hukum ekonomi berperan penting dalam pembangunan nasional dengan prinsip-prinsip keimanan, manfaat, demokrasi Pancasila, dan keadilan sosial. Konstitusi Indonesia menekankan prinsip kekeluargaan dan keadilan sosial dalam kebijakan ekonomi, meskipun masih tantangan dari kecenderungan paham kapitalistik dan sosialistik. Dari sini penting adanya integrasi nilai-nilai Pancasila untuk mencapai pembangunan berkelanjutan dan berkeadilan di Indonesia
Akses Perbankan Syariah bagi Pengusaha Batik Muslim di Solo Raya Usnan, Usnan; Pramesti, Wahyu; Yahya, Alvin
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12574

Abstract

The aim of this research was to analyze how banking access for Muslim batik entrepreneurs in Solo Raya. This research was conducted in 2020 at 16 Muslim Batik entrepreneurs in Solo Raya, using qualitative methods, and data collection was carried out through interviews, observation and documentation techniques. The results of the study show that the access of Muslim batik entrepreneurs to Islamic Banking is still not optimal. This is due in part to several things, namely: (a) the distance of Islamic Banks to the location of the batik business, (b) prices are still higher at Islamic Banks, (c) the financing process at Islamic Banks is considered more difficult and more complicated, and (d) there is still a lack of education and outreach by Islamic Banks to the public, especially batik business actors in Solo Raya. Keywords : Banking Access, Muslim Batik Entrepreneurs.
PERENCANAAN DAN PENINGKATAN KEUANGAN MELALUI INVESTASI DIGITAL SYARIAH PADA MASYARAKAT DI KAWASAN CAGAR BUDAYA KERATON KARTASURA Kusuma, Melia; Nurohman, Yulfan Arif; Yahya, Alvin
ABDI MAKARTI Vol 3, No 2 (2024): ABDI MAKARTI
Publisher : Sekolah Tinggi Ilmu Ekonomi AMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/abdimakarti.v3i2.723

Abstract

Family economic welfare is everyone's hope. Economic welfare can be successful if there are right decisions in managing finances that begin with financial planning and decisions. The role of housewives and women in economic welfare can be shown in financial management, so a good understanding is needed in managing finances. This community service program aims to improve understanding of financial planning and improvement through digital investment. The participants of the method used through Asset Based Community Development (ABCD) with housewives and women in the cultural heritage area of the Kartasura palace. The results of the training provided will encourage participants to have appropriate digital investment planning and decisions, so that in the future they can obtain welfare
Analysis Cost of Fund, Cost of Loanable Fund, and Overhead Cost on Mudharabah Profit Sharing at Islamic Commercial Banks Apriliyani, Lisa; Yahya, Alvin
Etihad: Journal of Islamic Banking and Finance Vol. 5 No. 1 (2025)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v5i1.9890

Abstract

Introduction: The operations of Islamic banks are based on the mudharabah profit-sharing system, which governs both fund collection and distribution. This system often leads to higher operational costs compared to conventional banks. The study aims to analyze the mudharabah profit-sharing ratio by examining the Cost of Funds (COF), Cost of Loanable Funds (COLF), and Overhead Costs (OHC). Research Methods: This study uses secondary data from published financial reports, with 40 samples taken from annual reports for the 2020–2023 period. The data are analyzed using descriptive analysis, classical assumption tests, and multiple linear regression to measure the effect of each variable. Results: The results show that COF has a significant negative effect on mudharabah profit sharing, COLF has no significant effect, while OHC has a significant positive effect. Conclusion: Efficient management of funding and overhead costs is essential to enhance the profitability of mudharabah-based Islamic banks. Meanwhile, the cost of loanable funds has no significant role in determining the profit-sharing ratio.
PENGUATAN LITERASI EKONOMI KOMUNITAS MELALUI KOPERASI LOKAL PADA MASYARAKAT KALITAN KOTA SURAKARTA Yahya, Alvin; Nurohman, Yulfan Arif; Kusuma, Melia; Astuti, Yuni
ABDI MAKARTI Vol 4, No 2 (2025): ABDI MAKARTI
Publisher : Sekolah Tinggi Ilmu Ekonomi AMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/abdimakarti.v4i2.895

Abstract

Low levels of financial literacy are a problem in managing business finances and utilizing cooperatives to promote economic independence in urban communities. This community service program aims to improve economic literacy and financial behavior in the Kalitan community, Surakarta City, through a structured, participatory training model involving local cooperatives as strategic partners. The program is divided into three main stages: case study-based economic literacy training, business financial management simulations, and technical guidance on using cooperative services. This program significantly improved participants' understanding of financial planning, economic decision-making, and the role of cooperatives in supporting micro-enterprises. Furthermore, this activity also encouraged changes in financial behavior toward more rationality and strengthened trust in community financial institutions. This program serves as an effective model for inclusive economic learning, particularly in urban areas with existing limitations. The program's results demonstrate the important role of cooperatives as agents of community-based economic education and empowerment. The program's novelty combines an experiential learning approach with institutional strengthening of cooperatives within a grassroots economic empowerment framework, a concept rarely explored in Indonesian community service literature
Integration of Pancasila Values in Economic Legal engineering for National Development Yahya, Alvin; Auliaurahman; Fadlulloh, Qolbi Hanif; Nurdin, Nazar; Imanullah, Moch Najib
Walisongo Law Review (Walrev) Vol. 6 No. 1 (2024)
Publisher : Universitas Islam Negeri Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/walrev.2024.6.1.22259

Abstract

This article explores the philosophical and constitutional foundations that form the basis for the development of economic law in Indonesia. As is known, Indonesian legal problems such as economic inequality, corruption, legal uncertainty, and complicated bureaucracy make it difficult for the Indonesian economy to develop. Laws that should have been engineered for development capital did not go according to plan. This article uses normative legal methods on legislative systematics. The approach in the paper uses a combination of legislative, philosophical and constitutional approaches. The research results show that the philosophical foundations of economic law in Indonesia are based on Pancasila, which functions to create stability, support development, uphold justice, and increase legal literacy. Economic law plays an important role in national development with the principles of faith, benefits, Pancasila democracy and social justice. The Indonesian Constitution emphasizes the principles of kinship and social justice in economic policy, although it is still challenged by capitalistic and socialistic tendencies. This is why it is important to integrate Pancasila values ​​to achieve sustainable and just development in Indonesia. Artikel ini mengeksplorasi dasar-dasar filosofis dan konstitusional yang menjadi dasar pengembangan hukum ekonomi di Indonesia. Seperti diketahui persoalan hukum Indonesia seperti ketimpangan ekonomi, korupsi, ketidakpastian hukum, hingga birokrasi berbelit membuat ekonomi Indonesia sulit berkembang. Hukum yang semestinya direkayasa untuk modal pembangunan tidak berjalan sesuai rencana. Adapun penelitian ini menggunakan metode hukum normatif pada sistematika perundang-undangan. Pendekatan dalam artikel menggunakan gabungan pendekatan perundang-undangan, filsafat dan konstitusional. Hasil penelitian menunjukkan bahwa dasar-dasar filosofis hukum ekonomi di Indonesia yang berlandaskan Pancasila, yang berfungsi untuk menciptakan stabilitas, mendukung pembangunan, menegakkan keadilan, dan meningkatkan literasi hukum. Hukum ekonomi berperan penting dalam pembangunan nasional dengan prinsip-prinsip keimanan, manfaat, demokrasi Pancasila, dan keadilan sosial. Konstitusi Indonesia menekankan prinsip kekeluargaan dan keadilan sosial dalam kebijakan ekonomi, meskipun masih tantangan dari kecenderungan paham kapitalistik dan sosialistik. Dari sini penting adanya integrasi nilai-nilai Pancasila untuk mencapai pembangunan berkelanjutan dan berkeadilan di Indonesia
Akses Perbankan Syariah bagi Pengusaha Batik Muslim di Solo Raya Usnan, Usnan; Pramesti, Wahyu; Yahya, Alvin
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12574

Abstract

The aim of this research was to analyze how banking access for Muslim batik entrepreneurs in Solo Raya. This research was conducted in 2020 at 16 Muslim Batik entrepreneurs in Solo Raya, using qualitative methods, and data collection was carried out through interviews, observation and documentation techniques. The results of the study show that the access of Muslim batik entrepreneurs to Islamic Banking is still not optimal. This is due in part to several things, namely: (a) the distance of Islamic Banks to the location of the batik business, (b) prices are still higher at Islamic Banks, (c) the financing process at Islamic Banks is considered more difficult and more complicated, and (d) there is still a lack of education and outreach by Islamic Banks to the public, especially batik business actors in Solo Raya. Keywords : Banking Access, Muslim Batik Entrepreneurs.
Co-Authors Apriliyani, Lisa Auliaurahman Fadlulloh, Qolbi Hanif Kusuma, Melia Moch Najib Imanullah Nazar Nurdin Nurohman, Yulfan Arif Pramesti, Wahyu Rudiatna, Talitha Dwi Yumna Usnan, Usnan Yulfan Arif Nurohman Yuni Astuti