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All Journal JURNAL HUKUM International Journal of Nusantara Islam YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam Jurnal Yudisial Journal of Economicate Studies ADLIYA: Jurnal Hukum dan Kemanusiaan Dialogia Iuridica Jurnal Ilmu Hukum Tambun Bungai Khazanah Hukum Unnes Law Journal Jurnal Idea Hukum El-Iqtishady el hisbah: Journal of Islamic Economic Law Al-Hukkam : Journal of Islamic Family Law International Journal of Nusantara Islam
Heris Suhendar, Heris
Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
Religion Arts Humanities Astronomy Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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IMPLEMENTATION OF HYBRID CONTRACTS CONCEPT OF SHARIA PAWN IN SHARIA BANKING Suhendar, Heris
Journal of Economicate Studies Vol. 1 No. 1 (2017): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (368.149 KB) | DOI: 10.32506/joes.v1i1.5

Abstract

The existence of people's need for financing is fast, easy, safe and certainly in accordance with the principles of sharia, triggering sharia banking to innovate. One form of innovation issued by sharia banks to support the needs of the community is the product of pawn gold sharia. On the other hand, concerns arise about the product of rahn (sharia pawn), because the rahn product (gold pawn) is not a productive asset in the profit. Considerations arise when the profits are derived from the percentage of the loan amounts given by the bank to customers, as is the practice in conventional banking. Based on the problems that will be examined by the author above, then the method used in the research is normative legal research method. The results of the research are: 1) gold pawning products performed by sharia banks using three contracts, namely contracts qardh, rahn, and ijarah; 2) the amount or amount of the place rental charge shall not be calculated from the percentage of the loan or the loan granted by the bank to the customer, but the amount of the fee is taken from the expenses that are clearly required; And 3) when payment is due, then the customer could not repay the debt, it shall be returned to the agreement which has been made and agreed by the parties.
Changes in Halal Product Guarantee Regulations Perspective of Legal Politics and Consumer Rights Protection Sopiah, Evi; Safe'i, Abdulah; Marlina, Elly; Suhendar, Heris
Khazanah Hukum Vol. 6 No. 2 (2024): Khazanah Hukum Vol 6, No 2 August (2024)
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/kh.v6i2.35969

Abstract

A halal product guarantee is a legal certainty regarding the halal status of a product produced by a business entity, which is evidenced by the issuance of a halal certificate by the government. The focus of the research examines the changes in halal product guarantee regulations within the Omnibus Law using a legal politics and consumer legal protection approach. This research is normative legal research whose object of study is the history of changes to halal product guarantee regulations in the Job Creation Act and its implications for consumer legal protection. Legal and non-legal materials were obtained from document studies and literature studies in the form of academic texts, draft laws, problem inventory lists, laws and regulations related to halal product guarantees and consumer protection, journals, and other documents relevant to the research issue. Changes in halal product guarantee regulations are a strategic step to strengthen the national halal industry and increase the competitiveness of Indonesian halal products in the global market. Changes in regulations prioritizing business actors' statements as the basis for halal certification can overcome the low awareness of business actors regarding halal certification obligations. In addition, changes to halal product guarantee regulations provide legal protection for consumers through guarantees of legal certainty, both preventively and repressively through self-declaration policies by implementing special limitations, conditions, and criteria for halal certification obligations for micro and small businesses, as well as administrative sanctions. and criminal penalties for business actors who commit acts or violations that can harm consumers.
PERTIMBANGAN HAKIM DALAM PERKARA PENYALAHGUNAAN KEADAAN (MISBRUIK VAN OMSTANDIGHEDEN) Suhendar, Heris; Athoillah, Mohamad Anton
Jurnal Yudisial Vol. 16 No. 2 (2023): NOODWEER
Publisher : Komisi Yudisial RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29123/jy.v16i2.628

Abstract

Penelitian ini mengkaji putusan atas perkara penyalahgunaan keadaan (misbruik van omstandigheden) dalam perjanjian kredit, adendum, dan restrukturisasinya. Penyalahgunaan keadaan dilakukan dengan cara memberikan bunga kredit yang tinggi, padahal tergugat mengetahui kondisi para penggugat sedang dalam kesulitan finansial akibat gagalnya rencana ekspansi bisnis. Berdasarkan gugatan tersebut, pengadilan tingkat pertama mengabulkan gugatan para penggugat, dan kemudian dikuatkan oleh pengadilan tingkat banding. Namun, putusan pengadilan tingkat banding dibatalkan di tingkat kasasi oleh Mahkamah Agung. Berdasarkan latar belakang, masalah yang diangkat adalah bagaimana pertimbangan hakim dalam putusan pengadilan tingkat pertama, banding, dan kasasi? dan bagaimana unsur-unsur penyalahgunaan keadaan dalam putusan kasasi. Jenis penelitian ini merupakan penelitian hukum normatif. Objek kajiannya berupa penemuan hukum pada putusan pengadilan. Pendekatan penelitian yang digunakan, yaitu pendekatan kasus, konseptual, dan peraturan perundang-undangan. Analisis bahan hukum menggunakan metode content analysis dengan cara melakukan pengkajian dan penafsiran terhadap fakta hukum, pertimbangan hukum, dan amar putusan. Penelitian ini menyimpulkan bahwa pertimbangan majelis hakim tingkat pertama dan tingkat banding tidak memperhatikan unsur-unsur penyalahgunaan keadaan sebagai dalil hukum dalam gugatan para penggugat, sehingga terdapat kekeliruan dalam menerapkan dalil hukum terhadap peristiwa dan fakta hukum di persidangan; terdapat dua unsur perbuatan penyalahgunaan keadaan, yaitu penyalahgunaan keadaan karena keunggulan ekonomi; dan keunggulan psikologis. Suatu perbuatan dikatakan sebagai penyalahgunaan keadaan, apabila dilakukan pada saat sebelum dan saat penutupan perjanjian.
The Settlement Model of Non-Performing Financing Which is More Effective and Legal Justice in Sharia Financing Companies Trianah Sofiani; Heris Suhendar
Jurnal Hukum Vol 40, No 1 (2024): Jurnal Hukum
Publisher : Unissula

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26532/jh.v40i1.32794

Abstract

Post-pandemic COVID-19 still leaves Non-Performing Financing (NPF), especially financing with fiduciary guarantees in Sharia finance companies. The Otoritas Jasa Keuangan's Relaxation Policy, which ended in April 2023, has not been effective and has fulfilled a sense of justice for debtors. This research discusses the causes of the ineffective implementation of the Relaxation policy in Sharia Financing Companies so that there is still NPF post the Covid-19 pandemic. Furthermore, it discusses the settlement model of NPF as an offer so that is more effective and fulfils a sense of justice for the parties. This empirical juridical research uses a qualitative approach in collaboration with statutory and conceptual approaches. The research locations were nineteen financing companies in Pekalongan ex-Residency with fiduciary financing objects. Data collection uses focus group discussions, interviews and document studies. The results show that inconsistent norms, negative legal culture, misperceptions of restructuring diction as the write-off of debt and the debtor's objection in the settlement of NPF are the causes of the ineffective implementation of the Relaxation policy. The settlement of NPF should be carried out based on sharia principles, the principle of prudence and good faith which prioritizes the needs of the debtor. Determining the rescheduling period should be carried out using a tri-semester tiered model so that effectivity, justice and benefits (reciprocal benefits) will be realized between the two parties.
Co-Authors Asyiva Suci Alifia Athoillah, Mohamad Anton Ayon Dini Yanto Ayon Diniyanto Bambang Sri Hartono Budiman, Satria Bunga Desyana Pratami Bunga Desyana Pratami Dewi Hasna Layaliya Elly Marlina, Elly Evi Sopiah, Evi Hartono, Bambang Sri Hasna, Dewi Iqbal Kamalludin Irma Yuli Ana Misbakhul Ulum Muhammad Hasanuddin, Muhammad Nofiyatul Fikro Nur Afifah Safe'i, Abdulah Sam'ani Satria Budiman Siti Qomariyah Sofyan Al-Hakim Trianah Sofiani Ulum, Misbakhul Yadi Janwari Yanto, Ayon Dini Yaqin, Alamul