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All Journal Syiar Hukum: Jurnal Ilmu Hukum Jurnal Media Hukum Jurnal Privat Law Jurnal Hukum Acara Perdata ADHAPER Istinbath: Jurnal Hukum dan Ekonomi Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah JURNAL HUKUM dan KENOTARIATAN Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Hukum Acara Perdata Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Journal La Sociale International Journal of Educational Review, Law And Social Sciences (IJERLAS) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Indonesian Journal of Social Science Research Jurnal Impresi Indonesia JIPRO : Journal Of Intellectual Property Bandung Conference Series: Law Studies Sewagati West Science Law and Human Rights Jurnal Hukum & Pembangunan Jurnal Hukum Islam ENDLESS : International Journal of Future Studies Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Unifikasi : Jurnal Ilmu Hukum PESHUM
Neni Sri Imaniyati
Prodi Ilmu Hukum, Fakultas Ilmu Hukum, Universitas Islam Bandung, Indonesia.
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 Industrial & Manufacturing Engineering 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.
Conflict of Norms on the Implementation of Personal Data Protection in Insurance Companies in Indonesia Lukman Ilman Nurhakim; Neni Sri Imaniyati; Sri Ratna Suminar
ENDLESS: INTERNATIONAL JOURNAL OF FUTURE STUDIES Vol. 9 No. 1 (2026): ENDLESS: International Journal of Future Studies
Publisher : Global Writing Academica Researching & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/endlessjournal.v9i1.369

Abstract

This study examines the harmonization of personal data protection regulations within Indonesia’s insurance sector following the enactment of Law Number 27 of 2022 concerning Personal Data Protection (PDP Law). Since its promulgation on 17 October 2022, the PDP Law has established a comprehensive normative framework governing the processing and protection of personal data. Its alignment with sectoral regulations becomes imperative, particularly in light of Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (PPSK Law). Article 3 paragraph (2) letter (i) of the PPSK Law explicitly affirms the objective of strengthening the protection of customers’ personal data in the financial services sector, while Article 240 paragraph (1) requires financial sector business actors, including insurance companies, to comply with prevailing personal data protection laws and regulations as well as supervisory provisions issued by the Financial Services Authority. However, in practice, the PDP Law currently fulfills primarily the element of legal substance within the legal system. The structural and legal culture components remain incomplete, as the Law mandates the issuance of ten Government Regulations and one Presidential Regulation to operationalize its provisions. The absence of these implementing instruments creates normative fragmentation and limits effective enforcement within the insurance industry. Consequently, the PDP Law predominantly reflects a preventive model of legal protection, as conceptualized by Hadjon, emphasizing anticipatory safeguards and compliance mechanisms rather than repressive enforcement. This condition highlights the urgency of regulatory harmonization and institutional strengthening to ensure coherent and effective personal data protection governance in Indonesia’s insurance sector.
Perlindungan Hukum Produk Pinkflash yang Menimbulkan Kerugian bagi Konsumen Ditinjau dari Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen Renata Belina; Neni Sri Imaniyati
Bandung Conference Series: Law Studies 1271 - 1278
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcsls.v6i2.26225

Abstract

Abstract. The case of Pinkflash cosmetic products containing hazardous substances such as Acid Orange 7 and Rhodamine B (Red K10) has caused serious harm to consumers, including eye irritation, swelling, and incision surgery. This study aims to analyze legal protection for consumers who suffer losses due to the use of Pinkflash products and the form of business actor responsibility based on Law Number 8 of 1999 concerning Consumer Protection (UUPK). This research uses a normative juridical approach with analytical descriptive specifications, sourced from secondary data analyzed qualitatively. The results show that preventive protection has not run optimally because business actors violate Article 7 letter b and Article 8 of the UUPK by not providing correct information and trading products containing hazardous substances and without distribution permits. Repressive protection has been carried out through BPOM administrative actions, but the compensation provided is only twice the product price and does not cover health care costs as regulated in Article 19 paragraph (2) letter c of the UUPK. Forms of business actor responsibility include civil, criminal, and administrative liability, but their implementation has not been optimal. This research recommends strengthening BPOM supervision, implementing strict sanctions, and providing compensation covering all victims' health care costs.   Abstrak. Kasus produk kosmetik Pinkflash yang mengandung bahan berbahaya seperti Acid Orange 7 dan Rhodamin B (Merah K10) telah menimbulkan kerugian serius bagi konsumen, termasuk iritasi mata, bengkak, hingga tindakan operasi insisi. Penelitian ini bertujuan untuk menganalisis perlindungan hukum bagi konsumen yang mengalami kerugian akibat penggunaan produk Pinkflash serta bentuk pertanggungjawaban pelaku usaha berdasarkan Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen (UUPK). Penelitian ini menggunakan pendekatan yuridis normatif dengan spesifikasi deskriptif analitis, bersumber dari data sekunder yang dianalisis secara kualitatif. Hasil penelitian menunjukkan bahwa perlindungan preventif belum berjalan optimal karena pelaku usaha melanggar Pasal 7 huruf b dan Pasal 8 UUPK dengan tidak memberikan informasi yang benar dan memperdagangkan produk mengandung bahan berbahaya serta tanpa izin edar. Perlindungan represif telah dilakukan melalui tindakan administratif BPOM, namun kompensasi yang diberikan hanya sebesar dua kali lipat harga produk dan tidak mencakup biaya perawatan kesehatan sebagaimana diatur dalam Pasal 19 ayat (2) huruf c UUPK. Bentuk pertanggungjawaban pelaku usaha mencakup tanggung jawab perdata, pidana, dan administratif, namun implementasinya belum optimal. Penelitian ini merekomendasikan penguatan pengawasan BPOM, penerapan sanksi tegas, dan pemberian ganti rugi yang mencakup seluruh biaya perawatan kesehatan korban.  
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 Lukman Ilman Nurhakim 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 Renata Belina 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