Garuda - Garba Rujukan Digital

Digital Transformation of Cooperative Legal Entities in Indonesia Sukardi, Didi; Hafizd, Jefik Zulfikar; Muamar, Afif; Hamamah, Fatin; Royani, Esti; Sobirov, Babur
Al-Risalah Vol 24 No 2 (2024): December 2024
Publisher : Fakultas Syariah UIN Sulthan Thaha Saifuddin Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/alrisalah.v24i2.1563

Abstract: This article captures the implementation of cooperative legal entities that are still conventional toward digital transformation, considering significant changes in the world. This study aims to describe how to strengthen the role of cooperatives as a pillar of the Indonesian economy, the legal basis for digital transformation, and the digital transformation of legal entity cooperatives in Indonesia. The findings show that transforming the cooperative business model into a digital basis is necessary. Cooperatives can obtain a vast market share by using tools such as website companies, social media, marketplace, and paid online advertising. The legal basis for business transformation from conventional to electronic-based models already exists. Cooperative legal entities can conduct business activities by utilizing digital technology for various activities such as administration, marketing via internet media, advertising using third parties such as Facebook Ads or Google Ads, selling products through online stores, analyzing business trends in the community, building relationships with more parties through social media, member meetings using video call applications, and many more that can be utilized. With the G20 forum, opportunities to expand business to various countries need to be used optimally by cooperatives in Indonesia. Keywords: Digital, Legal Entities, and Cooperatives.

Penyelesaian Putusan Sengketa Ekonomi Syariah Pada Perkara Wanprestasi BMT Al-Falah Berkah Sejahtera di Pengadilan Agama Sumber Muamar, Afif; Rohayati, Fadilah
Recital Review Vol. 6 No. 1 (2024): Volume 6 Nomor 1 Januari 2024
Publisher : Magister Kenotariatan, Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/rr.v6i1.30696

The purpose of this research is to analyze the handling of Sharia economic disputes, especially in cases of default in religious courts, and the source of the decision. This research shows that the settlement of sharia economic cases is regulated in Supreme Court Regulation (PERMA) Number 14 of 2016 concerning Procedures for Settling Sharia Economic Cases. Furthermore, Article 1243 of the Civil Code states, "Reimbursement of costs, losses, and interest for non-fulfillment of an obligation begins to be required if the debtor, even though it has been declared negligent, remains negligent to fulfill the obligation, or if something that must be given or done can only be given or done in a time that exceeds the time specified.". Thus, through the judge's decision, it is decided that defendants I and II, who have been officially and properly summoned, are not present at the trial, so it is considered that the allegations made by the plaintiff are true and that the defendant has defaulted. Stating that the decision of this case is declared to be executable in advance even though there is a verzet, punishing Defendant I and Defendant II to pay immediately and unconditionally the entire remaining debt to the Plaintiff in the amount of Rp. 112,600,000, unable to pay it, the land certificate will be auctioned to pay off the financing.

DIFERENSIASI DAN TINGKAT PEMAHAMAN PRODUK, SERTA KUALITAS SUMBER DAYA MANUSIA ATAS KEPUTUSAN NASABAH PERBANKAN SYARIAH Khasanah, Uswatun; Muamar, Afif
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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

The greater growth of the banking industry creates increasingly fierce competition between the sharia banking industry so that it will make consumers have many alternative choices before deciding which bank to aim for sharia banking transactions. This study aims to reveal the level of understanding of the quality of human resources of customers to customer decisions, the perception of product differentiation of customer decisions. This study uses qualitative research, data collected by interview, observation, documentation and then analyzed using a descriptive analysis method. The results of the study prove the customer's perception of product differentiation, the level of product understanding, and the quality of human resources have a positive influence on customer decisions in Islamic Banking. This means that according to consumers the three components are considered important when using services in Islamic Banking. Keywords: Products, Quality of Human Resources, Customer Decisions

DIFERENSIASI DAN TINGKAT PEMAHAMAN PRODUK, SERTA KUALITAS SUMBER DAYA MANUSIA ATAS KEPUTUSAN NASABAH PERBANKAN SYARIAH Khasanah, Uswatun; Muamar, Afif
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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

The greater growth of the banking industry creates increasingly fierce competition between the sharia banking industry so that it will make consumers have many alternative choices before deciding which bank to aim for sharia banking transactions. This study aims to reveal the level of understanding of the quality of human resources of customers to customer decisions, the perception of product differentiation of customer decisions. This study uses qualitative research, data collected by interview, observation, documentation and then analyzed using a descriptive analysis method. The results of the study prove the customer's perception of product differentiation, the level of product understanding, and the quality of human resources have a positive influence on customer decisions in Islamic Banking. This means that according to consumers the three components are considered important when using services in Islamic Banking. Keywords: Products, Quality of Human Resources, Customer Decisions

Kajian Yuridis Perlindungan Data Pribadi Pada Platform Media Sosial Studi Kasus Polresta Cirebon Azahra, Nayla Alifah Azahra; Muamar, Afif; Hafizd, Jefik Zulfikar
Jurnal Hukum Ekualitas Vol 1 No 2 (2025): Jul-Des 2025
Publisher : PT. Kaka Media Visi Sistematis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56607/r4nmp317

Social media platforms are used as databases of information including widely used personal data. Therefore, personal data protection is a crucial topic. This study aims to examine in more depth the legal protection of personal data on social media platforms and forms of misuse of personal data on social media in political dynamics in Cirebon Regency based on the ITE Law and the handling of misuse of personal data on social media platforms at the Cirebon Regency Police based on the ITE Law. The method used in this study is qualitative by utilizing a normative legal approach. Data collection techniques are literature studies and documentary studies. The results of the study show that legal protection of personal data in Indonesia is regulated in Law Number 19 of 2016 concerning Information and Electronic Transactions, especially in Article 26. In Cirebon Regency, the form of misuse of personal data that is widely reported by the public is cellphone numbers. In addition to cellphone numbers, there are also other forms, such as online loan practices (pinjol) and sniffing. Handling at the Cirebon Police regarding misuse of personal data on social media by conducting investigations and inquiries.

Implementation of Law Number 33 Of 2014 in Halal Certification as Legal Protection for Muslim Consumers Maqashid Syariah Perspective: Implementation of Law Number 33 Of 2014 in Halal Certification as Legal Protection for Muslim Consumers Maqashid Syariah Perspective Fansuri, Hamzah; Setyawan, Edy; Muamar, Afif; Bahomaid, Saleh Abdoalgaader Ali
Hikmatuna : Journal for Integrative Islamic Studies Vol 11 No 2 (2025): Hikmatuna: Journal for Integrative Islamic Studies, December 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/hikmatuna.v11i2.12479

This research is motivated by the urgency of legal protection for Muslim consumers in Indonesia through halal certification, in line with the enactment of Law Number 33 of 2014 on Halal Product Assurance (UU JPH). The main objective of this study is to analyze the implementation of the UU JPH in halal certification practices and evaluate its effectiveness from the perspective of maqashid syariah. This research employs a normative juridical method using statute, conceptual, and maqashid-based approaches, and utilizes primary, secondary, and tertiary legal data, analyzed descriptively and analytically using content analysis techniques. The findings show that the implementation of the UU JPH is a strategic step in providing legal certainty regarding the halal status of products circulating in Indonesia. However, its execution still faces challenges, such as the low preparedness of small business actors and the limited number of halal auditors. Institutional strengthening and public education are needed to ensure more effective and equitable halal certification. Furthermore, this study affirms that the obligation of halal certification serves as a form of protection for the constitutional rights of Muslim consumers, guaranteed by national law and reinforced by administrative and criminal sanctions for violators. From the perspective of maqashid syariah, halal certification not only functions as a formal legal mechanism but also serves as an instrument to safeguard the fundamental values of human life. It ensures product compliance with sharia principles, preserves faith, health, and community welfare, and prevents moral and economic harm.

Implementation of Law Number 33 Of 2014 in Halal Certification as Legal Protection for Muslim Consumers Maqashid Syariah Perspective: Implementation of Law Number 33 Of 2014 in Halal Certification as Legal Protection for Muslim Consumers Maqashid Syariah Perspective Fansuri, Hamzah; Setyawan, Edy; Muamar, Afif; Bahomaid, Saleh Abdoalgaader Ali
Hikmatuna : Journal for Integrative Islamic Studies Vol 11 No 2 (2025): Hikmatuna: Journal for Integrative Islamic Studies, December 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/hikmatuna.v11i2.12479

This research is motivated by the urgency of legal protection for Muslim consumers in Indonesia through halal certification, in line with the enactment of Law Number 33 of 2014 on Halal Product Assurance (UU JPH). The main objective of this study is to analyze the implementation of the UU JPH in halal certification practices and evaluate its effectiveness from the perspective of maqashid syariah. This research employs a normative juridical method using statute, conceptual, and maqashid-based approaches, and utilizes primary, secondary, and tertiary legal data, analyzed descriptively and analytically using content analysis techniques. The findings show that the implementation of the UU JPH is a strategic step in providing legal certainty regarding the halal status of products circulating in Indonesia. However, its execution still faces challenges, such as the low preparedness of small business actors and the limited number of halal auditors. Institutional strengthening and public education are needed to ensure more effective and equitable halal certification. Furthermore, this study affirms that the obligation of halal certification serves as a form of protection for the constitutional rights of Muslim consumers, guaranteed by national law and reinforced by administrative and criminal sanctions for violators. From the perspective of maqashid syariah, halal certification not only functions as a formal legal mechanism but also serves as an instrument to safeguard the fundamental values of human life. It ensures product compliance with sharia principles, preserves faith, health, and community welfare, and prevents moral and economic harm.

Childcare, Single-Mother Sex Workers, and Islamic Family Law: Contemporary Realities Between Child Welfare and Social Stigma Aditya Ramadhan; Roqiyul Ma’arif Syam; Afif Muamar; Nazula Alfirahmah; Dede Al Mustaqim
Legitima : Jurnal Hukum Keluarga Islam Vol. 8 No. 1 (2025): Legitima : Jurnal Hukum Keluarga Islam
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/legitima.v8i1.8239

Purpose – Contemporary Ḥaḍānah practices are often confronted with complex social and economic realities. Childcare practices by Single mothers working as sex workers must bear full responsibility for childcare amid economic pressures and moral stigma. This study focuses on the tension between the principle of child welfare and the social marginalization of single mothers who are sex workers. Design/methods/approach – This research employs a qualitative field method with a case study. Primary data were collected through in-depth interviews and observations of four single mothers who worked as sex workers in Astana Village, Cirebon, Indonesia. The data were analyzed thematically using the interpretive framework of Qirā’ah Mubādalah and Maslow’s hierarchy of needs. Findings – The research findings show that the practice of ḥaḍānah by single sex worker mothers in Astana Village, Cirebon, Indonesia reflects a reciprocal caregiving relationship oriented towards the welfare of the child, as emphasized in the Qirā’ah Mubādalah perspective. Analysis using Abraham Maslow's Hierarchy of Needs Theory reveals that caregiving is carried out simultaneously and contextually through the fulfillment of physiological needs, safety, affection, and even the child's future aspirations, despite structural limitations. Research implications/limitations – These results confirm that the suitability of ḥaḍānah cannot be measured by the stigma of the mother's work but rather by her commitment and ability to fully meet the needs of her children. Originality/value – This research offers a novel interdisciplinary analysis integrating Qirā’ah Mubādalah and Maslow’s theory to reinterpret maternal resilience and justice in childcare, promoting a more compassionate and contextual understanding of Islamic family law.

Childcare, Single-Mother Sex Workers, and Islamic Family Law: Contemporary Realities Between Child Welfare and Social Stigma Aditya Ramadhan; Roqiyul Ma’arif Syam; Afif Muamar; Nazula Alfirahmah; Dede Al Mustaqim
Legitima : Jurnal Hukum Keluarga Islam Vol. 8 No. 1 (2025): Legitima : Jurnal Hukum Keluarga Islam
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/legitima.v8i1.8239

Purpose – Contemporary Ḥaḍānah practices are often confronted with complex social and economic realities. Childcare practices by Single mothers working as sex workers must bear full responsibility for childcare amid economic pressures and moral stigma. This study focuses on the tension between the principle of child welfare and the social marginalization of single mothers who are sex workers. Design/methods/approach – This research employs a qualitative field method with a case study. Primary data were collected through in-depth interviews and observations of four single mothers who worked as sex workers in Astana Village, Cirebon, Indonesia. The data were analyzed thematically using the interpretive framework of Qirā’ah Mubādalah and Maslow’s hierarchy of needs. Findings – The research findings show that the practice of ḥaḍānah by single sex worker mothers in Astana Village, Cirebon, Indonesia reflects a reciprocal caregiving relationship oriented towards the welfare of the child, as emphasized in the Qirā’ah Mubādalah perspective. Analysis using Abraham Maslow's Hierarchy of Needs Theory reveals that caregiving is carried out simultaneously and contextually through the fulfillment of physiological needs, safety, affection, and even the child's future aspirations, despite structural limitations. Research implications/limitations – These results confirm that the suitability of ḥaḍānah cannot be measured by the stigma of the mother's work but rather by her commitment and ability to fully meet the needs of her children. Originality/value – This research offers a novel interdisciplinary analysis integrating Qirā’ah Mubādalah and Maslow’s theory to reinterpret maternal resilience and justice in childcare, promoting a more compassionate and contextual understanding of Islamic family law.

PENGEMBANGAN PRODUK TABUNGAN DENGAN AKAD MUDHARABAH MUTHLAQAH DI BANK SYARIAH MANDIRI KCP SILIWANGI CIREBON Muamar, Afif; Khasanah, Uswatun; Darmawan, Diki
Dimasejati: Jurnal Pengabdian Kepada Masyarakat Vol 1, No 2 (2019)
Publisher : IAIN Syekh Nurjati Cirebon

This study aims to explain the products in Bank Syariah Mandiri and the mechanism of BSM savings products with the Mudharabah Muthlaqah contract. Therefore, this study uses descriptive qualitative methods. The findings in this study, namely, first, there are three types of Bank Syariah Mandiri products that are still operating, which are fundraising products, financing products (channeling funds), and Bank service products. And second, BSM savings are daily savings using the rupiah currency. This account is based on the mudharabah muthlaqah contract system through the channel, namely opening a savings account, depositing BSM savings can be done in all offices of Bank Syariah Mandiri in accordance with the opening hours of cash, cash withdrawals in the teller's skyline customers must come to the office of Bank Syariah Mandiri, closing the BSM savings account fill out the form provided, and the replacement of the lost savings book can be done by making a letter of loss at the nearest police station then submit it to customer service.Â

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