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

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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.

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.

POLITIK HUKUM PEMBAHARUAN HUKUM KELUARGA ISLAM DI INDONESIA Afif Muamar
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 2 No. 1 (2017): Juni 2017
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v2i1.1520

AbstrakSalah satu jenis hukum yang diharapkan memberikan kontribusi besar terhadap pembaruan hukum di Indonesia adalah hukum Islam. Hukum Islam diharapkan ikut memberikan warna positif dalam reformasi hukum saat ini, begitu pula hukum keluarga Islam. Reformasi hukum seperti ini merupakan bagian dari politik hukum yang berupaya melakukan pembaruan hukum dalam menentukan suatu pilihan mengenai tujuan dan cara yang hendak dipakai untuk mengatur pergaulan hidup masyarakat Muslim di Indonesia. Namun dalam perjalanannya, adanya pembaruan-pembaruan tersebut menimbulkan pro dan kontra di dalamnya. Pro dan kontra atas UU perkawinan sejak masa penjajahan sampai saat ini terjadi antara dua kubu, yaitu kubu aktivis perempuan (feminis) dan kubu agamawan dan moralis.Pada masa orde baru, tanggapan negatif dari masyarakat muslim terhadap RUU ada kaitanya dengan kebijaksanaan Pemerintah Hindia Belanda yang mengebiri hukum Islam. Meskipun Penjajah Hindia Belanda telah diusir dari Indonesia secara fisik, tetapi dikhawatirkan konsep-konsepnya masih mengakar di Indonesia. Sedangkan yang terjadi pada era reformasi adalah semakin menguatnya gejala fundamentalisme agama.Keywords: Respon Masyarakat, Hukum Keluarga Islam, IndonesiaÂ AbstractOne law that is expected to contribute greatly to the reform laws in Indonesia is Islamic law. Islamic law is expected to come give a positive color in the reform of the current law, the family law of Islam. Such legal reforms are part of the legal politics that seek to reform the law in determining a choice of purpose and the means to be used to regulate the interaction of Muslim society in Indonesia. But on the way, the existence of such reforms poses pros and cons among Indonesia's Muslim community. The pros and cons of marriage ACT since the time of colonization until this time occurred between the two camps, namely (1) female/feminist activist stronghold; and (2) the priest and the moralis.During the new order period, negative feedback from the community of Muslims against the proposed legislation had to do with the Netherlands East Indies Government discretion castrate Islamic law. Although the Netherlands Indies Invaders have been expelled from Indonesia physically, but feared the concepts still entrenched in Indonesia. Whereas that occurred in the era of reform is the rise of religious fundamentalism symptoms.Keywords: Community Response, Islamic Family Law, Indonesia

Strategi Pemasaran Pembiayaan Arrum Haji Dalam Meningkatakan Jumlah Nasabah di Unit Pegadaian Syariah (UPS) Cirebon Bisnis Center Fajrin, Oktavia; Muamar, Afif
TAWAZUN: Journal of Sharia Economic Law Vol 2, No 2 (2019): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v2i2.6095

Hajj Financing for Micro Business (Arrum) Hajj in Pegadaian Syariah is relatively new, because this product was only launched in 2016. For this new product an introduction is needed to be able to attract the interest of the community. Therefore, this study aims to determine marketing strategies, the mechanism of Arrum Hajj financing registration, and to determine customer responses to Arrum Hajj products at the Pegadaian Syariah Cirebon Business Center. This study used a qualitative method with a descriptive analytical approach, and this research resulted in a marketing strategy conducted by the CBC Sharia Pawnshop Unit using a 4p strategy, namely Product, Price, Place, and Promotion. The results of this study found that the price and place strategy had been determined by the head office and the Pegaadian Sharia branch office. While the product strategy has been going very well, by providing services and comfort, as well as promotion strategies carried out by sharia pawnshops are quite diverse such as holding seminars, socialization, cross selling techniques and so on. Hajj arrum registration mechanism is in accordance with existing procedures. And the response given by Arrum Hajj financing customers is very good, because with the availability of Arrum Hajj products can ease the burden on customers and can quickly get a portion of Hajj.

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