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Neni Sri Imaniyati
Universitas Islam Bandung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Public Health Social Sciences Other

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Murabahah Financing in Islamic Banks with Fiduciary Collateral Review from the Perspective of Legal Certainty and Utility Nugraha, Ivan; Imaniyati, Neni Sri; Putra, Panji Adam Agus
Indonesian Journal of Social Science Research Vol. 5 No. 1 (2024): Indonesian Journal of Social Science Research (IJSSR)
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijssr.05.01.20

Abstract

One of the financing contracts offered by Islamic banks is the Murabahah financing contract. The Murabahah financing contract functions to increase the utility of money and capital, as well as the utility of goods. Article 127 of the Compilation of Sharia Economic Law (KHES) allows the seller to request the buyer to provide collateral in the Murabahah contract. Fatwa DSN-MUI No. 03/DSN-MUI/IV/2000 regarding Murabahah permits banks to request collateral from financed customers. This provision aims to ensure that customers are serious about making payments. Based on KHES and the fatwa, banks are allowed to request collateral from customers to protect or ensure that their rights are not violated. In practice, to ensure that customers comply with payments, banks request collateral from customers. This collateral can be movable or immovable property. Collateral in the form of immovable property is called fiduciary collateral. Fiduciary collateral is regulated in Law No. 42 of 1999 concerning Fiduciary Collateral (UUJF). According to Article 5 paragraph 1 of UUJF, the imposition of collateral with fiduciary collateral "must" be made by a notarial deed. With this provision of UUJF, there is a difference. KHES and the fatwa of DSN MUI do not require financing contracts to be made using a notarial deed, while UUJF requires it to be made by a notarial deed. Islamic banks, some of which require financing contracts to be made by a notarial deed, while others do not. The adoption of UUJF in Islamic financing is considered inappropriate because it violates Sharia values. Objectives: (1) Explain the regulations used in Murabahah financing contracts in Islamic banks with fiduciary collateral according to the objectives of legal certainty and utility. (2) Describe the implementation of legal protection for customers using Murabahah financing contracts in Islamic banks with fiduciary collateral according to the objectives of legal certainty and utility. Research Method: Research approach: normative juridical. Research nature: descriptive analysis. Data types: secondary data and primary data. Sample determination technique: purposive sampling. Data collection technique: literature study and interviews. Data analysis technique: interpretation and legal analogy.
Choice Of Forum Dalam Penyelesaian Sengketa Perbankan Syariah Imaniyati, Neni Sri; Badruddin, Badruddin
Jurnal Hukum & Pembangunan
Publisher : UI Scholars Hub

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Abstract

Abstract
PENERAPAN HUKUM KEBIASAAN SEBAGAI DASAR HUKUM PUTUSAN PENGADILAN HUBUNGAN INDUSTRIAL (Studi Putusan: Nomor 233/Pdt.Sus-PHI/2017/PN.Bdg) Mohamad Fandrian Adhistianto; Neni Sri Imaniyati; Rini Irianti Sundary
Jurnal Privat Law Vol 12, No 2 (2024): AGUSTUS-DESEMBER
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v12i2.85314

Abstract

The case that the author will discuss in this article is the decision of the Industrial Relations Court at the Bandung District Court which is registered with case number 233/Pdt.Sus-PHI/2017/PN.Bdg. regarding a dispute of interest regarding the 2017 Basic Salary Increase. The interesting thing in this decision is that the Panel of Judges decided by considering customary law as the legal basis in determining the components and amount of the 2017 Basic Salary Increase. This article is important because it discusses legal issues, namely the regulation customary law in resolving industrial relations disputes and the application of Customary Law in the Industrial Relations Court Decision Number 233/Pdt.Sus-PHI/2017/PN.Bdg. The research method used is normative juridical legal research using a statutory approach, and a case approach. Customary law is known in the process of resolving industrial relations disputes with further regulations regarding customs having to refer to the provisions of Article 1339 and Article 1347 of the Civil Code. The Panel of Judges at the Industrial Relations Court at the Bandung District Court has decided the case registered under number 233/Pdt.Sus-PHI/2017/PN.Bdg. based on customs as stipulated in Article 1347 of the Civil Code.
MUTHAWWIF COMPETENCY IMPROVEMENT TRAINING IN THE SERVICE OF HAJJ AND UMRAH PILGRIMS IN SAUDI ARABIA Intan Nurrachmi; Neni Sri Imaniyati; Panji Adam Agus Putra
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 4 No. 4 (2024)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v4i4.1728

Abstract

Training is one of the crucial elements in strengthening the professional capabilities of Muthawwif, a spiritual and practical companion for Hajj and Umrah pilgrims in Saudi Arabia. This PKM explores the significance of training in improving the competence of Muthawwif, focusing on improving services and pilgrim experience. Effective training methods integrate key aspects, including religious knowledge, time management, intercultural communication, as well as emergency situation handling skills. Analysis of the training results shows a marked improvement in the quality of services provided by Muthawwif, as well as its positive influence on pilgrim satisfaction and safety. The implications of this increased competence pave the way for further development in supporting spiritual and safety experiences for Hajj and Umrah pilgrims in Saudi Arabia.
Co-Authors Adhistianto, Mohamad Fandrian Adinda Mutiara I Ahmad Faizal Adha Alamsyah, Indra Fajar Andinie Zanatine Anggra Yudha Ramadianto Anggra Yudha Ramadianto Anita Kamilah Anwar Hafidz Amrullah Arham Bima Amantana Arif Firmansyah Asep Hakim Zakiran Badruddin Hsubky Cecep Kusmana Dede Kania Dhody Ananta Rivandi W Dian Prihanto Diana Wiyanti Dikha Anugrah Dini Dewi Heniarti Eman Suparman Erny Kencanawati Fatma Az-zahra Fellisa Shafa Azzahra Felly Faradina Ghinna Annissa Salma Hanifah Purnamasari Hery Widijanto Hesti Dwi Astuti Husni Syawali Idhofi Fahrizal Jejen Hendar Juarsa, Eka M Faiz Mufidi Makmur Makmur Mentari Nuralya Fahirattunisa Mochamad Arsya Nugraha Mohamad Donie Aulia Mohamad Fandrian Adhistianto Muhamad Firhan Fauzan Muhammad Azis Ramdhani Sobari Afiatin Muhammad Ilman Abidin Muhammad Reza Subhan Mustofa Abdul Basir Mustofa Abdul Basir Nandang Sambas Nandiny Pratiwi Ariandi Neni Ruhaeni Nugraha, Ivan Nurrohman Syarif, Nurrohman Panji Adam Agus Putra Pingkan Tirai Meyzha Sastrawinata Rachmat Januardi Tanjung Ratna Januarita Reni Trimelawati Reza Sri Astriyana Riefa Adzany Rimba Supriatna Rimba Supriatna Rimsyahtono Rimsyahtono Rimsyahtono Rini Irianti Sundary Riska Andina Putri Rizal Wiranata Sandi Gunawan Sadda Shendya Rizky Sephiany Sri Pujiastoeti Sri Ratna Suminar Susanto Susanto Syafa Puteri Ananda Tarisya Ramadhania Putri Trimelawati, Reni Viony Yulia Putri Wahyudi Wahyudi WEISHAGUNA WEISHAGUNA Yaumi Sidik Ginanjar Yoghi Arief Susanto Yuzon Sutrirubiyanto Nova Zeis Zultaqawa Zulhendrawan