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All Journal JURNAL HUKUM International Journal of Nusantara Islam YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam Jurnal Asy-Syari'ah Jurnal Yudisial Journal of Economicate Studies ADLIYA: Jurnal Hukum dan Kemanusiaan Dialogia Iuridica Jurnal Ilmu Hukum Tambun Bungai Khazanah Hukum 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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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.
Mosques as Catalysts for Islamic Financial Inclusion: Evidence from Branchless Banking Implementations Sofiani, Trianah; bin Ahmad, Shofian; Pratami, Bunga Desyana; Suhendar, Heris
Asy-Syari'ah Vol. 27 No. 2 (2025): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v27i2.48309

Abstract

Islamic financial inclusion in Indonesia remains relatively low among the unbanked and underbanked populations, who have limited access to formal banking services. This condition necessitated Bank Syariah Indonesia to introduce a branchless banking initiative, known as BSI Smart, which is integrated with mosques to expand equitable access to Islamic financial services. Therefore, this study aimed to analyze the effectiveness of implementing a branchless banking policy integrated with mosques to increase Islamic financial inclusion. The analysis adopted qualitative methods, collecting data through interviews and questionnaires. Interviews were conducted with 10 informants selected purposively. Questionnaires were further administered to 100 respondents in rural areas and 100 in urban areas who were randomly selected. Correlating with the theories of Edwards and Metter-Horn, this study showed that implementing branchless banking policy through mosques remained ineffective due to inaccurate targeting, limited facilities and infrastructure, suboptimal communication, and the community's socio-economic conditions, which tended to favor informal financial institutions. The novelty of the analysis lay in the integration of mosques as centers for Islamic financial literacy and education, directly connected to BSI Smart agents. This allowed mosques to serve as places of worship and centers of economic empower­ment for the community. Additionally, the model had the potential to become a new strategy in expanding the reach of Islamic banking that was more inclusive, sustainable, and in accordance with Islamic principles.
Co-Authors Asyiva Suci Alifia Athoillah, Mohamad Anton Ayon Dini Yanto Ayon Diniyanto Bambang Sri Hartono Bin Ahmad, Shofian 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 Pratami, Bunga Desyana Safe'i, Abdulah Sam'ani Satria Budiman Siti Qomariyah Sofyan Al-Hakim Trianah Sofiani Ulum, Misbakhul Yadi Janwari Yanto, Ayon Dini Yaqin, Alamul