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All Journal Al-Mizan (e-Journal) Al-Risalah : Jurnal Imu Syariah dan Hukum PALITA: Journal of Social - Religion Research IDEAS: Journal on English Language Teaching and Learning, Linguistics and Literature Jurnal Ekonomi Muamalah SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Al-Amwal : Journal of Islamic Economic Law Jurnal Yustisiabel Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) Al-Bayyinah
Muammar Arafat Yusmad, Muammar Arafat
Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo
Religion Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENATAKELOLAAN PERBANKAN SYARIAH NASIONAL DALAM MEWUJUDKAN TUJUAN HUKUM ISLAM (AL MAQASHID AS SYAR’IYAH) Yusmad, Muammar Arafat
MUAMALAH: Jurnal Ekonomi Vol 3, No 2 (2013): Muamalah
Publisher : MUAMALAH: Jurnal Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (11.746 KB)

Abstract

Perbankan adalah sebuah sebuah lembaga intermediasi yang mendukungkegiatan perekonomian nasional. Sejak keberlakuan UURI No. 7 Tahun 1992 tentangPerbankan, Indonesia telah menganut dual banking systems yaitu memberlakukan duasistem perbankan yakni sistem perbankan konvensional dan bank dengan prinsip bagihasil. Saat ini perbankan syariah di Indonesia telah memiliki payung hukum tersendirisejak berlakunya UURI No. 21 Tahun 2008 tentang Perbankan Syariah. Penatakelolaan perbankan syariah perlu dilakukan dengan baik dan sistematis oleh otoritasyang berwenang mengatur tentang regulasi perbankan. Besarnya ekspektasimasyarakat akan sebuah lembaga perbankan syariah yang benar-benar bersih daripraktik-praktik maisir, gharar dan riba harus direspon oleh Bank Indonesia sebagaibank sentral dalam kapasitasnya selaku pembina dan pengawas bank syariah. Kini,sejak berlakunya UURI No. 21 Tahun 2011 tentang Otoritas Jasa keuangan (OJK),pengawasan terhadap bank syariah tidak lagi menjadi kewenangan Bank Indonesia,dan beralih ke OJK terhitung sejak 31 Desember 2013.Penelitian ini menggunakan beberapa pendekatan yaitu pendekatan historis,pendekatan peraturan perundang-undangan dan pendekatan konseptual. Melaluipenulisan jurnal ini diharapkan penatakelolaan perbankan syariah melalui konstruksihukum terhadap regulasi-regulasi dalam berbagai tingkatan dapat mewujudkan tujuantujuanhukum Islam sebagaimana yang terdapat dalam konsep al Maqashid asSyar’iyah yaitu terpeliharanya agama, jiwa akal, keturunan dan harta benda.
Penerapan Prinsip Good Corporate Governance (GCG) PT. Amanah Finance Palopo dalam Mewujudkan Etika Bisnis Islami Yusmad, Muammar Arafat
MUAMALAH: Jurnal Ekonomi Vol 4, No 1 (2014)
Publisher : MUAMALAH: Jurnal Ekonomi

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Abstract

Penelitian ini berada pada ranah hukum ekonomi syariah dalam konteks penerapan prinsip-prinsip tata kelola perusahaan yang baik (good corporate governance) untuk mewujudkan etika bisnis islami pada perusahaan pembiayaan syariah P.T. Amanah Finance Palopo. Sebagai sebuah perusahaan pembiayaan yang berlabel syariah, P.T. Amanah Finance harus memiliki sisi pembeda dengan perusahaan pembiayaan konvensional. Tujuan penelitian ini adalah untuk: (1) Mengetahui penerapan asas Good Corporate Governance (GCG) pada pengelolaan perusahaan P.T. Amanah finance cabang Palopo; (2) Mengetahui perwujudan etika bisnis islami dalam pembiayaan (finance) pada P.T. Amanah finance cabang Palopo.             Berdasarkan hasil penelitian diperoleh argumen: (1) Penerapan prinsip GCG yaitu prinsip Keterbukaan (transparency), Akuntabilitas (accountability), Pertanggungjawabang (responsibility) dan Kewajaran (fairness) sudah dilaksanakan oleh perusahaan; (2) Penerapan prinsip GCG mewujudkan etika bisnis islami dalam bisnis pembiayaan yang senantiasa berlandaskan pada prinsip-prinsip syariah pada kegiatan operasionalnya.  Penerapan prinsip GCG pada P.T Amanah Finance dilakukan melalui keterbukaan terhadap segala bentuk informasi dan kebijakan perusahaan sebelum melakukan perjanjian dengan nasabah pembiayaan termasuk pilihan akad yang diberikan pada nasabah. Prinsip-prinsip GCG lainnya seperti prinsip pertanggungjawaban dilakukan melalui kebijakan pengenaan ta’widh (ganti rugi) sebagai bentuk pertanggungjawaban nasabah atas keterlambatan pembayaran. Namun demikian, seluruh uang ta’widh yang terkumpul tidak masuk ke kas perusahaan sebagai laba melainkan digunakan untuk kepentingan amal sosial. Penerapan prinsip GCG  dalam mewujudkan etika bisnis syariah ini yang menjadi pembeda antara lembaga pembiayaan syariah dan lembaga pembiayaan konvensional. Sebagai akhir penulisan karya ilmiah, diberikan rekomendasi kepada Otoritas Jasa Keuangan (OJK) selaku pengawasa LKS agar menerbitkan peraturan yang secara khusus mengatur tentang kewajiban LKS menerapkan prinsip-prinsip tata kelola perusahaan yang baik.
PELAKSANAAN PERJANJIAN SEWA -MENYEWA KEBUN DI DESA POMPENGAN KECAMATAN LAMASI TIMUR TINJAUAN EKONOMI ISLAM Yusmad, Muammar Arafat
Al-Amwal : Journal of Islamic Economic Law Vol 1, No 2 (2016): Al-Amwal : Journal of Islamic Economic Law
Publisher : Al-Amwal : Journal of Islamic Economic Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v1i2.275

Abstract

Tidak dapat dipungkiri bahwa transaksi sewa menyewa sudah lazim dilakukan dimasyarakat. sewa menyewa pada dasarnya diperbolehkan dalam Islam, karena pada dasarnya manusia senantiasa terbentur pada keterbatasan dan kekurangan. Oleh karena itu, manusia antara yang satu dengan yang lainnya selalu terikat dan saling membutuh-kan, dan sewa menyewa adalah salah satu aplikasi keterbatasan yang dibutuhkan manusia dalam kehidupan bermasyarakat. Namun jika dilihat dari sifat sewa-menyewa kebun yang spekulatif, artinya tidak adanya kepastian apakah kebun ter-sebut akan berhasil atau tidak sama sekali menghasilkan dengan jumlah yang banyak atau sedikit, maka unsur ketidakpastian seperti ini tidak dapat dibenarkan dalam hukum Islam.
PELAKSANAAN PERJANJIAN SEWA -MENYEWA KEBUN DI DESA POMPENGAN KECAMATAN LAMASI TIMUR TINJAUAN EKONOMI ISLAM Arafat, H Muammar; Puspa, Puspa
Al-Amwal : Journal of Islamic Economic Law Vol 2, No 2 (2017): AL-AMWAL : JOURNAL OF ISLAMIC ECONOMIC LAW
Publisher : Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v2i2.611

Abstract

It is undeniable that leasing transactions are common in the community. Renting is basically permissible in Islam, because basically human beings are always constrained by limitations and shortcomings. Therefore, humans between one and the other are always bound and need each other, and renting is one of the applications of limitations that are needed by humans in social life. However, if viewed from the nature of speculative renting a garden, it means that there is no certainty whether the plantation will succeed or not at all produce in large or small quantities, then this element of uncertainty cannot be justified in Islamic law.
Revitalization Supervision Islamic Banking in Enhancement Compliance in Indonesia and Malaysia Yusmad, Muammar Arafat; Irwansyah, Irwansyah; Marinsah, Syamsul Azizul Bin; Ayyub, Mukhtaram; Muang, Muh. Shadri Kahar
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 8, No 1 (2024): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v8i1.20524

Abstract

This study is indicated with social reality that, following three decades of dual banking system implementation in Indonesia, Islamic banks' operational activities are essentially identical with the operations of conventional banks. The thing that distinguishes is only the Shariah "brand". In the vast zone of national banking industry, Islamic banks are still being the "followers" of conventional banks with approximately 6.65% market share. The focus of study is on the Islamic bank supervision system by DPS, the Shariah Bank Compliance Directorate, and OJK in carrying out supervisory functions related to fields of duty. The study methodology applied is a normative legal study which includes a study of norms, principles of sharia banking law, and the opinions of sharia economic law experts, while those used are a statutory approach and a sociological approach. The next stage of data analysis is data display, which illustrated through tables, figures, and graphs. Data categorization was carried out relied to the theme to identify the implementation of Islamic bank supervision duties in conforming to Shariah principles and the implementation of laws and regulations. The results showed that there are several problems in Islamic bank supervision institutions that make supervisory performance not optimal and pose potential legal risks for the bank. The roles of DPS, the Directorate of Shariah Bank Compliance, and OJK, which run independently and inefficiently, create overlapping aspects of Islamic bank supervision. This study recommends amending UURI No. 21 of 2008 about Shariah Banking by giving attributive responsibility to DPS to sanction Islamic banks that proved to violate Shariah principal compliance and establishing the OJK regulations on Islamic banking audit instruments.
PERLINDUNGAN HUKUM DALAM PENYELESAIAN SENGKETA PELANGGARAN TERHADAP DANA NASABAH DI PASAR MODAL Anita, Anita; Fachrurrazy, Muhammad; Yusmad, Muammar Arafat; Jamaluddin, Fitriani; Arif, Firman Muhammad
Al-Amwal : Journal of Islamic Economic Law Vol. 8 No. 2 (2023): Al-Amwal : JOURNAL OF ISLAMIC ECONOMIC LAW
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/alw.v8i2.4279

Abstract

This research aims to analyze the form of legal protection for customers who suffer losses due to fraudulent funds in the capital market, the role and efforts of the Financial Services Authority in protecting customers in the capital market, and how Sharia economic law reviews in resolving disputes in the capital market.This type of research is normative legal research through a juridical approach which is carried out by examining various legal rules such as in Laws and Regulations No. 8 of 1995 concerning Capital Markets in Chapter X  I concerning fraud, market manipulation and insider trading, as well as cases related to the capital market, namely the case of PT Sarijaya Permana Sekuritas. Related to dispute resolution in Islamic law explained in the Al-Quran surah Saad verse 26 Data collection techniques using Library Research techniques (literature study), namely a data collection technique that collects legal materials obtained from various sources such as books, journals, and online written media related to the object of discussion. The data analysis technique used is qualitative data analysis technique, namely analyzing data by collecting data, presenting data and drawing conclusions, then the data is arranged in descriptive form by describing the data that has been obtained in the form of logical sentence descriptions, then interpreted and given conclusions.The results of this study indicate that: First, legal protection of customers who suffer losses due to violations committed by securities companies can apply the return of unauthorized profits by the OJK to the Securities Company to provide loss compensation funds to customers. Second, based on Law Number 21 of 2011 OJK has a role in forming regulations for improvements in the field of capital markets including protecting customers as consumers. Third, dispute resolution in Islam can be through peace mechanisms (such), arbitration (tahkim), and courts (Al- qada).
JUDGE'S EX OFFICIO RIGHTS TO A FAIR VERSTEK DIVORCE DECISION AT THE PALOPO RELIGIOUS COURT Pasinian, Suleha Nurazisah; Yusmad, Muammar Arafat; Abdain; Assaad, A. Sukmawati; Takdir
Al-Risalah VOLUME 23 NO 2, NOVEMBER (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-risalah.vi.43697

Abstract

Judges have the authority to hear and decide divorce cases, which are delegated to them in Court autonomously and without influence from outside parties in accordance with applicable regulations. This research aimed to reveal the use of the Judge's ex officio rights regarding fair divorce decisions at the Palopo Religious Court. This research was empirical, using a normative and juridical approach. The data collection techniques used interviews, observation, and documentation. The data analysis technique was carried out in three steps, namely reduction, presentation, and drawing conclusions. The research results showed that the use of ex officio rights by the Judge of Palopo Religious Court regarding the verstek decision in a fair talaq divorce case was the determination of a decision outside the appellant’s petitum by the Judge by determining the level of living for the ex-wife due to the woman's lack of awareness to demand her rights after the divorce as evidenced by her absence at the trial, which is based on limitations. The execution of the Palopo Religious Court regarding the provision of mut'ah and iddah living in Decision number 25/Pdt.G/2023/PA.Plp was on consignment. The perspective of Islamic law regarding women's rights after divorce in decision number 25/Pdt.G/2023/PA.Plp and decision number 7/Pdt.G/2023/PA.Plp at the Palopo Religious Court was the provision of iddah, mut’ah, madhiyah, hadhanah and dowry owed to the ex-wife, according to the limitations.
Legitimacy of Marriage Dispensation in Religious Courts based on The Law, Judges' Considerations, and Case Decisions Pasondong, Udin; Fachrurrazy, Muhammad; Yusmad, Muammar Arafat; Beddu, Rahmawati
Al-Bayyinah Vol. 7 No. 2 (2023): Al-Bayyinah
Publisher : Faculty of Sharia and Islamic Law Institut Agama Islam Negeri Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-bayyinah.v7i2.4239

Abstract

He age limit for marriage in Indonesia has brought changes to the regulation of the marriage age recognized by the state. The previous marriage law (UU No.1/1974) was reformulated into a new policy setting (UU No.16/2019) regarding marriage in Indonesia. This impacts the legitimacy of resolving legal cases of early marriages that occur, whether they are called early marriages, due to changes in statutory provisions or other problems of marrying by accident by taking legal action called marriage dispensation. Existing studies that respond to the issue of marriage dispensation tend to discuss changes or regulations on marriage dispensation after the birth of new regulations, apart from that, existing studies do not consider marriage at an early age as a legal problem that requires careful legal review. To fill this gap, this study focuses on what questions are the factors that cause requests for marriage dispensation, how judges consider making marriage dispensation decisions and a description of the fairness of legal certainty in decisions on marriage dispensation cases. To answer this question, qualitative research was carried out on the statements of judges in religious courts and observing the results of court case decisions to get a comprehensive picture of the application of age regulation in marriage and the reasons why there are requests for marriage dispensation in court.  From this research it was found that a marriage dispensation is a legal decision made based on the conditions of changes in the age limit in the Marriage Law and the conditions of young couples who are requesting permission to marry. Early marriage factors are caused by various things, data describing family factors, economic factors, and customary factors are the aspects that most influence someone marrying at an early age. The contribution of this research lies in the synchronization between laws, judges' considerations, and case decisions related to marriage dispensations to find harmony between legal norms and social reality.
Legal Protection for Child Victims of Sexual Abuse in Palopo City: Islamic Criminal Law Perspective Rahimuddin, Hastuti; Yusmad, Muammar Arafat; Assaad, Andi Sukmawati
Al-Bayyinah Vol. 8 No. 2 (2024): Al-Bayyinah
Publisher : Faculty of Sharia and Islamic Law Institut Agama Islam Negeri Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-bayyinah.v8i2.6836

Abstract

The purpose of this study was to explore legal protection for child victims of sexual violence in the city of Palopo from the perspective of Islamic criminal law. The research method used was qualitative with interview and observation data collection techniques. The results of the study found that Sexual Violence against Children in the City of Palopo each consisted of two parts, namely: Verbal Violence in the City of Palopo, each of which was obtained by researchers amounting to 17 (seventeen) cases, and Physical Violence, acts of physical violence against Children at LPPA Luwu Raya in 2013. 2022/2023 proved 12 (twelve) cases, namely 9 (nine) cases of immorality in the form of abuse that had an impact on the physical. Furthermore, the Form of Legal Protection for Child Victims of Sexual Violence in the City of Palopo is to obtain protection for the safety of their person, family, and property and be free from threats from any party. In addition, in legal cases, child victims of sexual violence are not exposed like other criminal acts. Sexual harassment in the perspective of Islamic law does not have clear rules and provisions regarding detailed legal sanctions. So the legal provisions become a matter of ijtihad of scholars or the government that will produce legal provisions by referring to the legal provisions contained in the Qur'an and hadith. In another perspective, perpetrators of sexual harassment will be handed over to the judge or government who has the right to decide the case.
Implementasi Proses Penyelesaian Kasus Perceraian bagi Narapidana Dewi, Shinta; Yusmad, Muammar Arafat; Assaad, A. Sukmawati; Mustaming; Takdir; Amir, Rahma
Palita: Journal of Social Religion Research Vol. 10 No. 1 (2025): Palita : Journal of Social Religion Research
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/pal.v10i1.4902

Abstract

This research aims to describe the resolution of divorce cases for prisoners. The research uses qualitative with a normative juridical and sociological approach. The data source in the research comes from interviews with Heads of Correctional Institutions, Officers and Prisoners. The results of the research show that 1) Divorce processes involving prisoners as defendants often present decisions in the form of verstek decisions because prisoners or convicts are serving their sentences in prison. Because of their absence and without representing their attorney, the Legal Council will decide the case in verstek. The Defendant's limitations in attending the trial result in the principle of justice not being fulfilled for prisoners or inmates in defending their rights at trial. 2) The factors that influence the divorce of inmates at the Class II A Palopo Penitentiary are largely attributed to economic pressure, as well as a lack of social support from the community, which is why the wife asks for a divorce. 3) Efforts to facilitate the process of resolving inmate divorce cases at the Class II A Palopo Penitentiary are a) Meeting economic needs, prisoners' wives have difficulty financing the improvement in life skills that must be provided or facilitated. b) family and community support. c) Accepting that the Justice Council will decide the case in verstek because there are no provisions in the statutory regulations that regulate prisoners or convicts being able to attend divorce trials.
Co-Authors Abdain Andi Sukmawati Assaad, Andi Sukmawati Anita Anita Arif, Firman Muh. Arif, Firman Muhammad Assaad, A. Sukmawati Ayyub, Mukhtaram Beddu, Rahmawati Dewi, Shinta Fachrurrazy, Muhammad Hasrul, Muhammad Helmi Kamal, Helmi Hidayat, Mohammad Shofi Irwansyah Irwansyah Ismail Jabir, Riskal Jamaluddin, Fitriani Marinsah, Syamsul Azizul Bin Muang, Muh. Shadri Kahar Mustaming Pasinian, Suleha Nurazisah Pasondong, Udin Puspa, Puspa Rahimuddin, Hastuti Rahma Amir, Rahma Ramadan Savhika S. , Yulia Syahriwijaya, Egi Ramdhani Takdir Takdir Takdir, Takdir