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All Journal Jurnal Hukum Saraswati Jurnal Adijaya Multidisiplin Indonesian Journal of Law and Justice Causa: Jurnal Hukum dan Kewarganegaraan Jurnal Media Akademik (JMA) JURNAL MULTIDISIPLIN ILMU AKADEMIK Al Urwah : Sharia Economics Journal Jurnal Riset Multidisiplin Edukasi Tadhkirah: Jurnal Terapan Hukum Islam dan Kajian Filsafat Syariah Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin Jurnal Miftahul Ilmi: Jurnal Pendidikan Agama Islam META - JOURNAL Law Research Review Quarterly Journal of Literature Review Jurnal Publikasi Ekonomi dan Akuntansi Jurnal Riksa Cendikia Nusantara
Baidhowi
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Analisis Risiko Hukum pada Pemberian Kredit Multiguna: Studi Perbandingan Bank Konvensional dan Syariah Rikki Jitu Saputra; Baidhowi
Journal of Literature Review Vol. 1 No. 2 (2025): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/52tvms74

Abstract

Pemberian kredit multiguna merupakan bagian dari aktivitas perbankan yang memegang peranan penting dalam menunjang kebutuhan konsumtif nasabah. Dalam praktiknya, baik bank konvensional maupun bank syariah memiliki pendekatan yang berbeda dalam menyalurkan dana kepada masyarakat, yang masing-masing memiliki konsekuensi yuridis tersendiri. Artikel ini bertujuan untuk menganalisis bentuk dan karakter risiko hukum yang melekat dalam pemberian kredit multiguna serta membandingkan mekanisme mitigasi risiko yang diterapkan oleh bank konvensional dan bank syariah. Penelitian ini menggunakan metode pendekatan normatif dengan analisis yuridis terhadap peraturan perundang-undangan, fatwa syariah, serta literatur hukum yang relevan. Hasil kajian menunjukkan bahwa risiko hukum dalam bank konvensional umumnya berkaitan dengan ketidaksempurnaan perjanjian kredit dan wanprestasi debitur, sedangkan dalam bank syariah, risiko hukum lebih banyak bersumber dari kesalahan penerapan akad dan ketidaksesuaian dengan prinsip syariah. Upaya mitigasi dilakukan melalui penguatan struktur perjanjian, verifikasi agunan, hingga keterlibatan Dewan Pengawas Syariah pada bank syariah. Perbandingan ini memberikan pemahaman yang lebih mendalam mengenai perlunya penyusunan kerangka hukum yang responsif terhadap dinamika praktik pembiayaan konsumtif di sektor perbankan.
PENERAPAN DENDA PADA SHOPEE PAYLATER DALAM PERSPEKTIF MASLAHAAH MURSALAH Irma Juliana Zahwa; Hilda Fridatul Jannah; Muhammad Rizky Firdaus Syahputra; Amelia Pingkan Nur Fitriana; Shafira Ramadhani; Baidhowi
Jurnal Media Akademik (JMA) Vol. 3 No. 11 (2025): JURNAL MEDIA AKADEMIK Edisi November
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/ta4r6q25

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan denda pada layanan Shopee PayLater (SPayLater) dalam perspektif Ushul Fiqih dengan pendekatan Maslahah Mursalah. Layanan Buy Now Pay Later (BNPL) seperti SPayLater memudahkan konsumen dalam transaksi digital, namun menimbulkan persoalan hukum terkait denda keterlambatan yang dianggap menyerupai riba. Penelitian ini menggunakan metode hukum normatif-analitis melalui studi kepustakaan, dengan sumber hukum primer berupa Al-Qur’an, Hadis, Ijma’, dan Qiyas, serta literatur sekunder terkait hukum Islam dan perlindungan konsumen. Hasil penelitian menunjukkan bahwa penerapan denda SPayLater belum sepenuhnya sejalan dengan prinsip syariah, karena denda dijadikan bagian dari keuntungan perusahaan, bukan sebagai sanksi edukatif. Berdasarkan kaidah al-darar yuzāl (segala bentuk kemudaratan harus dihilangkan) dan konsep Maslahah Mursalah, denda hanya dapat dibenarkan jika bersifat mendisiplinkan, tidak eksploitatif, serta digunakan untuk kepentingan sosial. Dari sisi hukum positif, perlindungan konsumen diatur melalui UU No. 8 Tahun 1999 dan POJK No. 77/2016, namun implementasinya masih menghadapi tantangan seperti rendahnya literasi hukum dan ketidakseimbangan posisi antara konsumen dan pelaku usaha
Perlindungan Hukum terhadap Hak Perempuan dalam Perkawinan menurut Hukum Islam di Indonesia Jannata, Salsabila; Zahara, Fuzia; Yonanda, Intan; Azzahra, Aulia; Adilano, Abyan; Baidhowi
Indonesian Journal of Law and Justice Vol. 3 No. 2 (2025): December
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/ijlj.v3i2.5058

Abstract

Legal protection of women's rights in marriage from the perspective of Islamic Law in Indonesia is a crucial aspect in ensuring justice and gender equality within the family environment. This article examines various women's rights in marriage such as the right to dowry, maintenance, consent to marriage, protection from violence, and the right to file for divorce in accordance with the provisions of Law No. 16 of 2019, as an amendment to Law No. 1 of 1974, and the principles set forth in the Compilation of Islamic Law. Although normative regulations accommodate these rights, various challenges remain in practice, particularly due to the strong patriarchal culture, narrow interpretation of religious texts, and lack of legal education for women. The study employs a qualitative approach with juridical and socio-cultural analysis of the application of Islamic law in society. Findings indicate that structural and socio-cultural barriers remain major obstacles to the effective protection of women's rights. Therefore, this article recommends contextual and inclusive fiqh renewal, strengthening law enforcement by religious courts, and public education to raise legal awareness and gender equality. Through the adoption of these recommendations, it is projected that legal protection for women in marriage will be more optimal and in accordance as guided by the principles of justice within Islamic law and Indonesian national law.
Masaail Ushuliyyah fi Al-Ijma’: Ijma’ Sebagai Landasan Dalam Ushul Fiqih dan Implikasinya Bagi Pengembangan Hukum Islam Hanifah, Aniqah; Manalu, Keren; Fathurrahman, Muhammad; Nuraeni, Verlita; Umala, Moh; Kurniawan, Reggiene; Baidhowi
Indonesian Journal of Law and Justice Vol. 3 No. 2 (2025): December
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/ijlj.v3i2.5059

Abstract

Penelitian ini bertujuan untuk menganalisis konsep ijma’ sebagai landasan penting dalam Ushul Fiqih dengan menelaah mekanisme verifikasi kesepakatan ulama, otoritas mujtahid, batas temporalitas ijma’, serta isu kehujjahan dan kodifikasinya dalam literatur fiqih klasik maupun kontemporer. Melalui metode kualitatif berbasis studi kepustakaan, kajian ini menelusuri pandangan ulama dalam karya-karya ushul fiqih dan melakukan analisis normatif-teologis berdasarkan Al-Qur’an, hadis, dan prinsip dasar hukum Islam. Hasil penelitian menunjukkan bahwa ijma’ memiliki kedudukan epistemologis dan normatif yang kuat sebagai sumber hukum ketiga setelah Al-Qur’an dan Sunnah karena berfungsi menjaga konsistensi hukum, stabilitas pemikiran, dan mencegah perbedaan pendapat ekstrem. Namun, problem autentisitas ijma’, perdebatan mengenai kelayakan mujtahid, serta isu temporalitas kesepakatan menjadi tantangan dalam menentukan validitasnya. Dalam konteks modern, ijma’ tetap relevan sebagai mekanisme pengembangan hukum Islam yang adaptif terhadap perubahan sosial dan kebutuhan umat. Konsep ijma’ mu‘assir ditawarkan sebagai pendekatan alternatif berbasis maqasid al-syari‘ah untuk menghadirkan fleksibilitas hukum tanpa meninggalkan prinsip syariat. Dengan demikian, ijma’ bukan hanya warisan klasik, tetapi juga instrumen dinamis yang berpotensi memperkuat dan menyesuaikan hukum Islam dengan tantangan kontemporer.
Penerapan al-Masyaqqah Tajlib al-Taysir dalam Kebijakan Ibadah saat Pandemi Covid-19 di Indonesia Jesiana Naisela Putri; Ferita Maharani; Fifi Tri Ariani; Nawa Udlma Aizama; Restu Dimas Surya Pradipta; Baidhowi
Jurnal Adijaya Multidisplin Vol 3 No 06 (2026): Jurnal Adijaya Multidisiplin (JAM)
Publisher : PT Naureen Digital Education

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

Abstract

Penelitian ini membahas implementasi kaidah fikih al-Masyaqqah Tajlib al-Taysir dalam kebijakan ibadah pada masa pandemi Covid-19 di Indonesia. Kaidah ini menegaskan bahwa setiap kesulitan (masyaqqah) menjadi dasar kemudahan (taysir) dalam hukum Islam. Penelitian ini menggunakan metode yuridis normatif melalui studi pustaka terhadap sumber hukum Islam, peraturan perundang-undangan, dan kebijakan keagamaan yang relevan. Hasil penelitian menunjukkan bahwa kebijakan ibadah pada masa pandemi, seperti Fatwa Majelis Ulama Indonesia (MUI) Nomor 14 Tahun 2020 dan Surat Edaran Kementerian Agama Nomor 6 Tahun 2020, merupakan penerapan prinsip al-Masyaqqah Tajlib al-Taysir karena memberikan keringanan (rukhsah) secara proporsional tanpa menghapus kewajiban ibadah. Selain itu, penerapan kaidah ini juga memberikan kontribusi dalam menciptakan kemudahan dan menjaga keselamatan umat di tengah kondisi darurat. Dari perspektif hukum positif, kebijakan tersebut sejalan dengan Pasal 29 ayat (2) UUD 1945 yang menjamin kebebasan beragama dan perlindungan jiwa. Implementasi ini menunjukkan sinergi antara norma agama dan kebijakan negara dalam memberikan kemudahan beribadah di masa darurat.
Hukum Merokok dalam Islam: Analisis Perbandingan Nahdlatul Ulama dan Muhammadiyah Fathurrohman Nur Hidayat; Rendy Aprilio Sulaiman; Jelita Tibyana Shidqy; Nazwa Angrraeni; Ester Aprilia Diyan Sari; Baidhowi
TADHKIRAH: Jurnal Terapan Hukum Islam dan Kajian Filsafat Syariah Vol. 2 No. 4 (2025): Desember: TADHKIRAH: Jurnal Terapan Hukum Islam dan Kajian Filsafat Syariah
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/tadhkirah.v2i4.325

Abstract

This study examines the comparative fatwas of Muhammadiyah and Nahdlatul Ulama (NU) regarding the Islamic legal ruling on smoking in the Indonesian context. The research employs a qualitative method through a literature-based analysis of official documents, academic journals, and decisions from Bahtsul Masā’il and the Majelis Tarjih dan Tajdid. The findings indicate that Muhammadiyah declares smoking as prohibited (ḥarām) because it contradicts the objectives of Islamic law (maqāṣid al-syarī‘ah), particularly in preserving life (ḥifẓ al-nafs) and wealth (ḥifẓ al-māl). Conversely, NU categorizes smoking as reprehensible (makrūh) on the basis that no definitive textual evidence explicitly forbids it, while also considering socio-economic factors within society. Muhammadiyah adopts a normative-preventive approach, whereas NU emphasizes a cultural-educational one. The difference between the two fatwas reflects not a contradiction but a constructive ikhtilāf, enriching the diversity of Islamic jurisprudence in Indonesia.
Pilihan Hidup Untuk Tidak Memiliki Keturunan (Childfree) dalam Ikatan Perkawinan Mella Amanda Nuraini; Kanaia Brahmantia Hermanu; Naila Praba Kirana; Farras Eknu Albin; Risqi Budi Santoso; Baidhowi
Jurnal Miftahul Ilmi: Jurnal Pendidikan Agama Islam Vol. 2 No. 4 (2025): Oktober: Jurnal Miftahul Ilmi: Jurnal Pendidikan Agama Islam
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/miftahulilmi.v2i4.326

Abstract

This study aims to analyze Islamic legal perspectives on the decision of married couples to choose not to have children (childfree) by reviewing sharia arguments, interpretations of scholars, and the resulting social and legal implications. The childfree phenomenon is a contemporary issue that is increasingly being discussed, especially among the younger generation of ubanites in Indonesia. This decision is driven by various factors such as economic conditions, physical and mental health, enviromental awareness, career orientation, and lifestyle. The study was conducted using a qualitative-descriptive approach and the data obtained through library research methods. From an Islamic Legal perspective, this lifestyle choice is controversial because it is directly related to the maqāṣid al-sharīʿah, particularly the aspect of hifẓ al-nasl (preserving offspring). Previous research has explain that non-permanent contraceptive practices are permissible as long as there is the consent of the couple and do not cause harm. However, permanent contraceptive suc as vasectomy or tubectomy are considered contrary to Islamic law. The Indonesian Ulama Council (MUI) has also emphasized that permanent contraceptive measures are not permitted because the contradict the purpose of sharia to preserve offspring. Thus, Islamic law allows for ijtihad and deliberation in addressing the phenomenon of childfree, while still emphasizing that safeguarding offspring is a crucial part of the primary objective of sharia. This study aims to contribute academically to the discourse on Islamic legal flexibility in responding to evolving social realities, highlighting the dynamic interplay between normative principles and contemporary challenges.
Perlindungan Hukum Nasabah Pada Era Digital : Menyikapi Ancaman Kejahatan Siber Di Sektor Perbankan Nia Malvin Faradila; Baidhowi
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 5 No. 3 (2025): September : Jurnal Publikasi Ekonomi dan Akuntansi (JUPEA)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v5i3.4328

Abstract

The rapid digital transformation has succeeded in providing significant benefits to the banking world, it is expected to be able to help the banking sector in providing better services to customers and competing with technology in the industry 4.0 era. But besides that, digital transformation also creates a great opportunity for crime risks, such as skimming, phishing, social engineering, and malware that can threaten the security of customers.Therelarelseveral problemlformulations thatiwill beidiscussed inithis article, namely: (1) How do cybercriminals steal customer data in the banking sector? and (2) How is the legal system in overcoming criminal acts of data theft of bank customers? This articlelaims to analyzeihow theirole of currentiregulations in dealing with legalhproblems experienced by the banking world in the digital era.To respond to the formulation of these problems, the author uses normative legal research by covering conceptual approaches, statutory approaches, and collecting data through literature studies.This research is expected to provide useful knowledge to help develop theory and practice in the field of banking digitalization and consumer protection.
Literasi Keuangan Syariah sebagai Instrumen Peningkatan Partisipasi Masyarakat dalam Perbankan Syariah: Analisis Yuridis terhadap Implementasi Prinsip-Prinsip Hukum Perbankan Putri, Sherenika; Ekawahyuni, Nur Aini; Ervansyah, Muhammad Azriel; Kurniawan, Alia Herawati; Baidhowi
Jurnal Riksa Cendikia Nusantara Vol. 2 No. 3 (2026): Riksa Cendikia Nusantara - Maret 2026
Publisher : Jurnal Riksa Cendikia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19402798

Abstract

This study aims to examine the role of Islamic financial literacy in increasing public participation in Islamic banking, from the perspective of Islamic banking law in Indonesia. The method used is a normative legal approach with a conceptual approach through literature review. The results of the study indicate that financial literacy in Islamic finance plays an important role not only as an educational tool but also as a normative instrument related to the principles of transparency, consumer protection, and balance in the legal relationship between banks and customers. Low literacy levels can lead to information imbalances and disputes, while increased literacy has been shown to foster public trust and participation. In addition, literacy serves as a preventative tool to reduce banking disputes. However, its implementation still faces challenges such as low public understanding and limited access to information. Therefore, more comprehensive and sustainable policy strengthening and education are needed.
Analysis of the Problems of the Substance of State Sharia Securities Contracts from the Perspective of Profit Sharing Principles Baidhowi; Louisa Grace Gloria Hutagaol; Shely Nayla Putri; Maulana Habibie Yahya; Tania Pakpahan
Al Urwah : Sharia Economics Journal Vol. 2 No. 3 (2025): Al Urwah : Sharia Economics Journal
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/alurwah.v2i3.483

Abstract

The issuance of State Sharia Securities (SBSN) represents the state's effort to provide financing instruments aligned with Sharia principles. However, the use of ijarah contracts with predetermined returns raises questions regarding their conformity with the profit-and-loss sharing principle, which is a fundamental characteristic of Islamic finance. This study aims to analyze whether the substantive structure of SBSN contracts reflects the profit-and-loss sharing principle and to assess the relevance of such contracts within the Islamic financial system. This research employs a normative legal method using statutory and conceptual approaches through library research. The research instrument consists of a document study guideline, while data are analyzed using qualitative interpretative and argumentative techniques. The results show that, although SBSN contracts formally comply with Sharia requirements, their fixed-return structure indicates that the profit-and-loss sharing principle is not substantively implemented. This suggests that SBSN reflects formal compliance rather than a comprehensive application of core Islamic economic principles.
Co-Authors Adilano, Abyan Amelia Pingkan Nur Fitriana Anggitamarta Ratih Nugrahani Anisa Prabowo Antika Yuni Arsita Ayu Fitri Hapsari Ayuk Pebriyani Azzahra, Aulia Beatrice Mauren Delicia Bunga Nirvana Cahyani, Adinda Intan Dea Risti Aulia Dwi Liza Salsabila Eka Imroatun Khasanah Ekawahyuni, Nur Aini Erenz Erico Ervansyah, Muhammad Azriel Ester Aprilia Diyan Sari Faliha, Nafiza Salsabila Farras Eknu Albin Fathurrohman Nur Hidayat Ferita Maharani Fiana Suryaningtyas Wibowo Fifi Tri Ariani Firdha Apriliana Zahra Genta Buana Arfianto Putra Hanifah, Aniqah Hilda Fridatul Jannah Ibrahim Nanda Pratama Irma Juliana Zahwa Ismail, Zakiya Az Zikra Jannata, Salsabila Jelita Tibyana Shidqy Jesiana Naisela Putri Kanaia Brahmantia Hermanu Katon Adin Novaga Kurniawan, Alia Herawati Kurniawan, Reggiene Louisa Grace Gloria Hutagaol Manalu, Keren Maulana Habibie Yahya Mella Amanda Nuraini Muhammad Fathurrahman Muhammad Rizky Firdaus Syahputra Nadia Rizqa Setyaningrum Naila Praba Kirana Nathania, Nanda Riesta Nawa Udlma Aizama Nazwa Angrraeni Nia Malvin Faradila Nuraeni, Verlita Nurul Raudatul Auliah Pasaribu, Agnes Octavia Margaretha Prima Raharja Mulyana Putri, Sherenika Ranma ma Rendy Aprilio Sulaiman Restu Dimas Surya Pradipta Rikki Jitu Saputra Rindingpadang Risqi Budi Santoso Romauli Yohana Sinaga Ruth Shelomita Lumban Tobing Shafira Ramadhani Shely Nayla Putri Shofiah Nur Hikmah Tania Pakpahan Umala, Moh Vinita, Kezia Rona Widyasputri, Viesta Tya Amanda Wulandari, Arlenne Devillya Yonanda, Intan Zahara, Fuzia