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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) JURISDICTIE Jurnal Hukum dan Syariah Iqtishodia: Jurnal Ekonomi Syariah Jurnal Bimas Islam
Al Munawar, Faishal Agil
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Diskursus Fatwa MUI No. 83 Tahun 2023 Tentang Dukungan Terhadap Palestina dan Seruan Boikot Produk Pro-Israel: The Discourse on MUI Fatwa No. 83 of 2023 Regarding Support for Palestine and the Call to Boycott Pro-Israel Products Al Munawar, Faishal Agil; Azmi, Miftahudin; Rohmanan, Mohammad
Jurnal Bimas Islam Vol. 17 No. 2 (2024): Jurnal Bimas Islam
Publisher : Direktorat Jenderal Bimbingan Masyarakat Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37302/jbi.v17i2.1402

Abstract

Israel’s brutal military aggression against Palestine has resulted in dozens, if not hundreds, of lives. There are around 41,000 fatalities, 97,166 injured victims, and 11,000 people who have not been found. This fact received a strong response from various countries. Solidarity with the suffering of the Palestinian people is carried out by Muslims in Indonesia. The Indonesian Ulama Council responded by issuing Fatwa No. 83 of 2023 concerning support for the struggle for the Palestinian people. One form of support is boycotting products that are affiliated with Israel. This fatwa is worth studying more specifically, because there are pros and cons that follow. Those who support it call the fatwa a concrete step in support of Palestine. Meanwhile, those who oppose it say the fatwa will result in a decrease in production and lead to threats of layoffs. This article includes empirical research with qualitative methods in the form of describing the data researched and analyzed, and presented in the form of descriptive text. The research results prove that there are several fastfood restaurants in Malang that were affected by the fatwa. One of the effects is decreasing production and laying off employees. If this fatwa is analyzed using Jasser Auda’s maqāṣid syarī’ah, it only has a correlation with the cognitive aspect, while it conflicts with the other five aspects.
Commission Deductions from Online Food Delivery Sales for MSMEs from the Perspective of Positive Law and Islamic Law Al Munawar, Faishal Agil; Rohmah, Ainur
Iqtishodia: Jurnal Ekonomi Syariah Vol. 9 No. 2 (2024): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v9i2.1404

Abstract

Indonesia leads the top rank in Southeast Asia in relation to Gross Merchandise Value (GMV) for online food delivery (OFD) services, recording a GMV of US$ 4.6 billion in 2023. Online food delivery platforms like GoFood, GrabFood, and ShopeeFood have become integral to the lifestyle in major cities, including Malang. These platforms offer consumers convenience when ordering food from various restaurants. However, they also impose commission cuts on every sales transaction to OFD partners, which are often seen as burdensome. This study aims to analyze sales commission cuts on OFD platforms from the perspective of Trade Ministry Regulation Number 70 Year 2019 on Direct Distribution of Goods and the Fatwa DSN-MUI No. 113/DSN-MUI/IX/2017 on Wakalah Bi Al-Ujrah Contract. The method used is empirical juridical with a qualitative approach. The research findings indicate: 1. There needs to be more satisfaction among business operators or OFD partners in Lowokwaru, Malang, regarding the increase in commission cuts. The commission cut mechanisms on the GoFood platform are 20% + Rp. 1,000 per sale, GrabFood is 30% per sale, and ShopeeFood is 25% per sale. 2. According to Trade Ministry Regulation Number 70 Year 2019 on Direct Distribution of Goods, as long as the commission cuts by the three platforms (GoFood, GrabFood, and ShopeeFood) do not exceed 40%, such commission cuts are allowed. Whereas under Fatwa DSN-MUI No. 113/DSN-MUI/IX/2017 on Wakalah Bi Al-Ujrah Contract, commission cuts are permissible provided they meet certain established conditions. Yet, the third condition regarding ujrah has to be fully executed because neither party has agreed on commission increases.
Legal Positivism and Fiqh Muamalah Paradigm’s on Indonesian Sharia Fintech Legal Framework Saifullah, Saifullah; Al Munawar, Faishal Agil; Bahagiati, Kurniasih; Supriyadi, Aditya Prastian
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 16 No. 1 (2024)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v16i1.39237

Abstract

Sharia Financial Technology in Indonesia is regulated in OJK Regulation No. 10/POJK.05/2022 Concerning Information Technology-Based Joint Funding Services. According to researchers, enacting these regulations still needs improvement because they are disproportionate to the basic rules for implementing Sharia Fintech in Indonesia. A Fiqh Muamalah study needs to be conducted to reconstruct these rules into proportional rules. This research uses normative legal research methods. This research uses a statutory regulatory approach related to Fintech and DSN MUI Fatwa, as well as the Fiqh Muamalah conceptual approach. The results show that based on the Fiqh Muamalah indicator, OJK Regulation No. 10/POJK.05/2022 still needs to be in harmony with Fiqh Muamalah. The OJK Regulations have no concrete rules regarding what contracts can be used for Sharia Fintech schemes.  Abstrak:Financial Technology Syariah di Indonesia saat ini diatur dalam Peraturan OJK No. 10/POJK.05/2022 Tentang Layanan Pendanaan Bersama Berbasis Teknologi Informasi. Keberlakuan Peraturan tersebut masih perlu di perbaiki karena tidak proporsional sebagai aturan dasar penyelenggaraan. Perlu ada kajian Fikih Muamalah untuk Merekonstruksi aturan tersebut menjadi aturan yang proporsional. Penelitian ini menggunakan metode penelitian hukum normatif. Pendekatan penelitian menggunakan Pendekatan Peraturan Perundang-undangan yang terkait dengan Fintech dan Fatwa DSN MUI, serta pendekatan Konseptual Fikih Muamalah. Hasil Penelitian menunjukkan, berdasarkan indikator Fikih Muamalah, Peraturan OJK No. 10/POJK.05/2022 masih tidak harmonis dengan Fikih Muamalah. Dalam Peraturan OJK tidak ada aturan konkret mengenai akad apa yang dapat digunakan untuk skema Fintech Syariah.
THE EVALUATION OF THE INDONESIAN FINTECH LAW FROM THE PERSPECTIVE OF REGULATORY TECHNOLOGY PARADIGMS TO MITIGATE ILLEGAL FINTECH Saifullah, Saifullah; Supriyadi, Aditya Prastian; Bahagiati, Kurniasih; Al Munawar, Faishal Agil
Jurisdictie: Jurnal Hukum dan Syariah Vol 14, No 2 (2023): Jurisdictie
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j.v14i2.24025

Abstract

Illegal fintech is one of the main issues not fully addressed in the digital finance sector in Indonesia despite various legal regulations. This condition shows that the fintech legal framework in Indonesia still needs to be entirely relevant to the concept of Regulatory Technology (regtech). This study aims to analyze the position of the fintech legal framework in Indonesia in overcoming illegal fintech with a regtech approach chosen as an analytical instrument—a basic concept that combines law and digital financial technology to create an orderly platform and comply with all applicable laws. This article uses normative-legal research methods and a conceptual approach, indicating that the legal framework governing fintech in Indonesia fragments, with rules spreading across the civil, administrative, and criminal sectors. This legal framework still needs to be reinforced as a legal tool to overcome the problem. Based on the regtech approach, increased transparency and accountability in fintech implementation are essential as legal support for dynamic supervision and law enforcement and to allow for wider access to cooperation between stakeholders in handling illegal fintech. Such measures will help create a more effective legal environment and align with the regtech paradigm in addressing illegal fintech practices in Indonesia. Fintech ilegal merupakan salah satu isu utama yang belum sepenuhnya tertangani di sektor keuangan digital di Indonesia, meskipun telah diterbitkan berbagai peraturan hukum. Kondisi ini menunjukkan bahwa kerangka hukum fintech di Indonesia memerlukan evaluasi berdasarkan paradigma Regulatory Technology (RegTech). Penelitian ini bertujuan untuk menganalisis posisi kerangka hukum fintech di Indonesia dalam mengatasi permasalahan fintech ilegal dengan pendekatan RegTech. RegTech dipilih sebagai instrumen analisis karena merupakan konsep dasar yang menggabungkan hukum dan teknologi keuangan digital untuk menciptakan platform yang tertib dan mematuhi semua hukum yang berlaku. Penulisan artikel ini menggunakan metode penelitian hukum normatif dengan pendekatan konseptual. Hasil penelitian menunjukkan bahwa kerangka hukum yang mengatur fintech di Indonesia masih terfragmentasi dengan aturan yang tersebar di sektor perdata, administrasi, dan pidana. Kerangka hukum ini masih perlu diperkuat sebagai alat hukum untuk mengatasi masalah fintech ilegal. Berdasarkan pendekatan RegTech, diperlukan peningkatan transparansi dan akuntabilitas dalam implementasi fintech, sebagai dukungan hukum atas pengawasan dan penegakan hukum yang dinamis serta dukungan hukum untuk membuka saluran kerja sama antar pemangku kepentingan dalam penanganan fintech ilegal. Langkah-langkah tersebut akan membantu menciptakan lingkungan hukum yang lebih efektif dan selaras dengan paradigma RegTech dalam menangani praktik fintech ilegal di Indonesia.
Co-Authors Ainur Rohmah, Ainur Kurniasih Bahagiati Miftahudin Azmi Mohammad Rohmanan Saifullah Saifullah Supriyadi, Aditya Prastian