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Analisis Yuridis Pendirian Bank Syariah dari Hasil Usaha Berbunga Bank Konvensional Utami, Widya Wahyu; Rizki, Muhamad; Santiago, Faisal
JURNAL ILMIAH GEMA PERENCANA Vol 4 No 3 (2026): Jurnal Ilmiah Gema Perencana
Publisher : POKJANAS Bekerja Sama Biro Perencanaan dan Penganggaran, Sekretariat Jenderal Kementerian Agama RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61860/jigp.v4i3.339

Abstract

The development of Islamic banking in Indonesia through spin-off mechanisms from conventional banks raises juridical-philosophical issues related to the legality and legitimacy of initial capital sources derived from interest-bearing (riba) businesses. This study aims to comprehensively analyze the establishment of Islamic banks sourced from the interest-bearing profits of conventional banks from the perspective of Indonesian positive law and Islamic law. As comprehensive qualitative research, this study employs a normative juridical method with statutory and conceptual approaches. The results show that from a formal-juridical perspective, the establishment of Islamic banks through spin-offs is permitted by national banking regulations, specifically Law No. 21 of 2008, which places greater emphasis on fulfilling capital and institutional aspects. However, substantively, Islamic law requires a process of separation and purification of assets (tathhir al-mal) to cleanse capital from elements of riba. Without this mechanism, the Islamic legitimacy of the bank becomes fragile, even if its formal legality is met. This study confirms that substantive sharia compliance, which includes the purity of capital sources, is a fundamental prerequisite for maintaining the integrity and public trust in the sharia banking industry in Indonesia.
Mengintegrasikan Mekanisme Pencegahan (Ex-ante) dan Deterren (Ex-post) dalam Kepatuhan dan Penegakan Hukum Ketenagakerjaan: Pendekatan Komprehensif untuk Indonesia Pangkey, Dicky Yulius; Kurniawan, Aga; Mangunsong, Togi M.; Chandra, Joemarthine; Santiago, Faisal
JURNAL ILMIAH GEMA PERENCANA Vol 4 No 3 (2026): Jurnal Ilmiah Gema Perencana
Publisher : POKJANAS Bekerja Sama Biro Perencanaan dan Penganggaran, Sekretariat Jenderal Kementerian Agama RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61860/jigp.v4i3.345

Abstract

Employment law enforcement in Indonesia is caught in a dilemma between legal certainty and social justice. This article identifies compliance challenges, analyzes the relevance of preventive (ex-ante) and remedial (ex-post) mechanisms, and formulates an integrative model based on responsive regulation. The study uses qualitative method with a normative juridical approach with a comparative analysis of practices in Australia, the United Kingdom, and South Korea, and a review of Indonesian labor inspection data from 2023. The results indicate that law enforcement remains ineffective due to limited supervisory capacity, low legal awareness, and unequal industrial relations. Ex-ante mechanisms (such as education and compliance certification) can prevent violations, while ex-post mechanisms (such as progressive sanctions) ensure accountability. Integrating the two within a responsive regulatory framework balances voluntary compliance with credible deterrence. The study recommends five strategic steps: (1) reforming and digitizing the inspection system; (2) establishing a National Labor Compliance Commission; (3) revising Government Regulation No. 35/2021 to include ex-ante instruments; (4) strengthening the capacity of trade unions and employer organizations; and (5) improving the Industrial Relations Court with class action and fast-track mechanisms. This integration provides a normative foundation for a more responsive, fair, and adaptive labor law system in Indonesia.
Perspektif Posner, Rawls, dan Sen atas Program Koperasi Merah Putih dan Kawasan Wisata Halal Sagalane, Andra Bani; Sirot; Hasyim, Muhammad; Netra, Ade; Santiago, Faisal
JURNAL ILMIAH GEMA PERENCANA Vol 4 No 3 (2026): Jurnal Ilmiah Gema Perencana
Publisher : POKJANAS Bekerja Sama Biro Perencanaan dan Penganggaran, Sekretariat Jenderal Kementerian Agama RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61860/jigp.v4i3.348

Abstract

Community-based economic development programs, such as the Merah Putih Cooperative and Halal Tourism Zone in Jakarta, often rely on technical-instrumental approaches that lack a robust philosophical foundation, thereby imperiling their sustainability and equity. A significant gap persists between the constitutional ideal of cooperatives as the cornerstone of the Pancasila economy and the suboptimal reality of their implementation in delivering inclusive member welfare. This study aims to critically analyze these programs through the theoretical lenses of Richard A. Posner (economic efficiency), John Rawls (procedural justice), and Amartya Sen (capability empowerment) to construct a holistic and multidimensional evaluation framework. The research employs a qualitative method with a conceptual-philosophical study design. Data were collected through an in-depth literature review of the primary and secondary works of the three philosophers, alongside relevant policy documents. Data analysis was conducted using an interpretive-critical approach to synthesize these divergent perspectives. The findings reveal that integrating the three philosophies produces a tripartite evaluation framework composed of: operational efficiency (Posner), distributive and procedural justice (Rawls), and the expansion of members’ substantive freedoms (Sen). This synthesis demonstrates that a program’s success is not measured solely by the growth of cooperative assets, but more profoundly by the equitable distribution of benefits and the enhancement of members’ capabilities to live lives they have reason to value. In conclusion, community-based economic development necessitates a dynamic equilibrium between the instrument of efficiency, the morality of justice, and the ultimate goal of human empowerment.
Efisiensi Ekonomi Postner dan Kritik Terhadap Keadilan Sosial Siagian, Amrizal; Muchtarom, Achmad; Karyono, Ario; Benjamin, Biem Triani; Santiago, Faisal
JURNAL ILMIAH GEMA PERENCANA Vol 4 No 3 (2026): Jurnal Ilmiah Gema Perencana
Publisher : POKJANAS Bekerja Sama Biro Perencanaan dan Penganggaran, Sekretariat Jenderal Kementerian Agama RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61860/jigp.v4i3.349

Abstract

The dominance of the law and economics approach, championed by Richard A. Posner, promotes wealth maximization and economic efficiency as the paramount objectives of law. This creates a fundamental gap with distributive justice theories, which posit that the law's primary ethical duty is to ensure equity and moral fairness. The central problem is the apparent tension between a legal system designed for optimal resource allocation and one obligated to deliver social justice, raising critical questions about law's normative foundations. This dialectic is especially significant for pluralistic jurisdictions like Indonesia, where legal ideals must reconcile with socio-cultural values. This study employs qualitative method with a normative-philosophical research design, conducting a critical analysis of primary texts from Posner, Rawls, Sen, and Dworkin. The analytical method involves philosophical argumentation and comparative legal theory to deconstruct the premises and implications of both paradigms. The analysis reveals that while economic efficiency offers a valuable practical framework for predicting behavioral incentives and evaluating legal outcomes, it operates within an amoral calculus that fails to address fundamental questions of rights, dignity, and equitable distribution. As a result, efficiency cannot support social justice as the ethical cornerstone of law. For Indonesia, this necessitates a constitutional synthesis where efficiency-based instruments are consciously subordinated to and harmonized with the principles of Pancasila and the 1945 Constitution, which enshrine social justice. Therefore, it is recommended that Indonesian legal scholarship and policymaking explicitly adopt an integrated framework where efficiency serves as a tool within, not the goal of, a justice-oriented legal system.
Reconstructing Consumer Protection through Product Liability Reform from a Tort Law Perspective Santiago, Faisal; Sari, Amalia; Saleh, M.; Nai, Makkamadin Aras
JURNAL AKTA Vol 13, No 1 (2026): March 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i1.51428

Abstract

This study aims to examine and reconstruct Indonesia’s product liability regulations from a Tort Law Perspective in order to strengthen effective consumer protection in contemporary commerce. The research is grounded in the problem that existing regulatory frameworks, particularly those contained in the Civil Code and Law Number 8 of 1999 concerning Consumer Protection, remain general in character and predominantly fault-oriented, thereby limiting consumers’ ability to obtain compensation for losses caused by defective products. Such a framework is increasingly inadequate in responding to complex distribution chains, digital transactions, and modern market risks. This study employs a normative juridical method using statutory and conceptual approaches. The statutory approach analyzes relevant legislative provisions through systematic and teleological interpretation, while the conceptual approach examines core tort doctrines such as strict liability, vicarious liability, and duty of care within comparative legal discourse. The novelty of this research lies in its systematic reconstruction model that integrates modern tort principles into Indonesia’s product liability regime, moving beyond a purely fault-based paradigm toward a risk-allocation and consumer-oriented framework. The findings demonstrate that incorporating strict liability standards, expanding accountability through vicarious liability, and reinforcing duty of care obligations would create a more balanced, preventive, and justice-oriented liability system. Such reform is essential to enhance legal certainty, improve access to remedies for consumers, and harmonize national regulations with global developments in tort law.
Co-Authors Abdul Kadir Achmad, Suparji Aga Kurniawan Agus Supriyanto Ahmad Redi, Ahmad Ahmad Sahroni, Ahmad Alfianda, Jaka Tiwana Alfiani, Francisca Romana Nanik Aljawi, Muhammad Farid Apriani, Meni Ardiansyah, M. Filusi Ariany, Erry Arief Fakrulloh, Zudan Attidhira, Safira Widya Azis, Miftakul Bagus, Sujoko Bakir, Herman BAMBANG SUJATMIKO Barthos, Megawati Basri, Herlina Benjamin, Biem Triani Briando, Bobby Budianto, Azis Chandra, Joemarthine Christianty, Eva Nurlaelisa Daniel Balubun, Daud Darmawan, Andri Difa, Aulia Diantama Effendy, D. Andry Endriyana, Riza Enny Kristiani Fahrur Rozi, Agus Fathiyah, Shofa Fathony, Muhammad Fernando, Agung Fonda, Hanif Franata, Hugo S Guspitawaty, Elita Gusti Gede Maha Andika Jaya, I Gustryan, Muhammad Hamdi, Muhammad Arief Hedwin Hanggara, Lalu Hermawan, Didy Irawanto Israhadi, Evita Isretno Isretno Israhadi, Evita Iwansyah, Iwansyah Jasi, Askolani Karyono, Ario Lutrianto A., Indra M. Saleh M. Zahlan, M. Zahlan Mahmuddin Mahmuddin Mangunsong, Togi M. Marquez, Neilpon Yulinar Marwa, Muhammad Soffa Muchtarom, Achmad Muhamad Rizki Muhammad Hasyim, Muhammad Muhidin Muhidin Nai, Makkamadin Aras Nasution, Adhitya Anugrah Nasution, Izhar Zahri Netra, Ade Noval, Cepi Novelino, Romadu Nugroho Marsudianto, Dwi Palar, Hari PAngkey, DIcky Yulius Pasaribu, Fajar Ronal Harry Priyanto, Bambang Budi Puja Laksana, Andik Rika Santina Rizalni Kurniawan, Aan Ryandra, Reza S Franata, Hugo Sabungan Sibarani, Sabungan Sagalane, Andra Bani Saka, Risti Salamony, Jetter Wilson Samiyono, Sugeng Sapan, Heber Hombang Sari, Amalia Sarwono, Aditya Pratama Satoto, Endro Setiawan, Dwi Nur Setyawati, Niken Budi Sholih, Muhammad Abdurohman SIAGIAN, AMRIZAL Sirot Sirot, Sirot Soedirjo, Achmad Taufan Sri Inggriani, Sri Sudibyo, Andin Wisnu Sudradjat, Mohamad Adya Laksmana Sugiarto S Sulkiah Hendrawati Sumartono Sumartono Suparno Suparno Supriyanto Supriyanto Susanto, Robertus Hadi Syahputra, M Arif Taufan Soedirjo, Achmad Trihastuti S., Tuti Utami, Widya Wahyu Wijaya, Armen Wiraguna, Sidi Ahyar Wiraputra, Anindito Rizki Wulandari, Evita Vibriana Yanto, Sapta Eka Yudhistira, Dhieno Yudianto, Bambang Yusuf, Hudi Yuswanti, Adillah Yuwono, M. Sunandar Zakaria, Taufan Zudan Arif Fakrulloh Zuwanda, Rifka