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All Journal IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah
Agus Rojak Samsudin
IAI Al-Azis Indramayu
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Implikasi Pemberlakuan Sistem Perbankan Ganda Terhadap Penerapan Norma Hukum Islam Di Dalam Perbankan Syariah Di Indonesia Agus Rojak Samsudin; Hadiat Hadiat
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 3 No. 1 (2024): Volume 3 Nomor 1 Tahun 2024
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v3i1.46

Abstract

The Financial System is regulated in Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (P2SK). Dual banking system is the implementation of the banking system simultaneously, namely conventional banks and Islamic banks simultaneously. The implementation of the Dual banking system is based on Law No. 7 of 1992 concerning Banking, in which it regulates shortcuts about the system and is perfected by Law No. 10 of 1998. As a result of the implementation of the "dual banking system model", legal problems arise, especially in the intermediation function of Islamic banks as financial institutions that have differences in the variation of fund distribution to the public, with the intermediation function of conventional banks as financial institutions that can only channel funds to the public in the form of credit. The implications of implementing this dual banking system are the gateway to implementing Islamic economic legal norms in every Islamic bank product and business. To ensure compliance with sharia principles, DSN MUI issues fatwas. The MUI DSN fatwa was then formalized through PBI and POJKut selanjutnya diformalkan melalui PBI maupun POJK.
Fenomena Gentrifikasi Digital dan Implikasinya terhadap Kesenjangan Ekonomi di Indonesia: Kajian Yuridis dan Perspektif Hukum Islam Agus Rojak Samsudin; Ali Aminulloh
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 4 No. 1 (2025): Volume 4 Nomor 1 Tahun 2025
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v4i1.79

Abstract

The rapid growth of Indonesia's digital economy has introduced opportunities and challenges, particularly for MSMEs (Micro, Small, and Medium Enterprises). This study investigates the phenomenon of digital gentrification and its role in exacerbating economic inequality. Using a multidisciplinary approach combining legal and Islamic perspectives, the study draws on secondary data from official reports and scholarly analyses. Findings reveal that while large enterprises dominate digital ecosystems with 70% of e-commerce transactions, MSMEs contribute only 12%, hindered by limited infrastructure and low digital literacy. Islamic principles of distributive justice and maqashid syariah offer a moral framework for addressing these disparities. Policy implications include enhanced infrastructure development, digital literacy programs, and leveraging Islamic finance mechanisms like zakat to promote inclusivity. This study enriches the discourse on digital inclusion and its role in fostering equitable economic growth, proposing actionable strategies to bridge digital divides and reduce systemic inequalitie.
Co-Authors Ali Aminulloh Hadiat Hadiat