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ARBITRASE PADA PENYELESAIAN SENGKETA ASURANSI SEKTOR JASA KEUANGAN Nabilah, Deva; Mujib, Abdul
Al-muamalah Vol 9 No 2 (2023): Muamalah
Publisher : Program Studi Muamalah Fakultas Syariah dan Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/muamalah.v9i2.20363

Perusahaan Asuransi terus meningkat disetiap tahunnya, namun tidak dapat dipungkir bahwa peningkatan konsumen asuransi seiring dengan meningkatnya pengaduan konsumen kepada Pelaku Usaha Jasa Keuangan yang hubungan diantara keduanya mengalami masalah yang menyebabkan sengketa. Penyelesaian sengketa dapat dilakukan melalui pengadilan atau di luar pengadilan. Lembaga Alternatif Penyelesaian Sengketa (LAPS SJK) yang telah diatur dalam Peraturan Otoritas Jasa Keuangan Nomor 61/POKL.07/2020 tentang LAPS SJK sebagai bentuk penyemurnaan terhadap sentralisasi lembaga alternatif penyelesaian sengketa menjadi lembaga yang memfasilitasi penyelesaian sengketa di luar pengadilan yang menyelenggarakan kegiatannya secara independen dengan prinsip keadilan, efektif, efisiensi yang membagi penyelesaian sengketa pada sektor jasa keuangan menjadi Arbitrase dan Mediasi, melalui penelitian ini mengkaji bagaimana tahapan penyelesaian sengketa LAPS SJK melalui arbitrase serta prosedur mediasi khusus untuk upaya damai dalam arbitrase. Metode penelitian menggunakan metode penelitian yuridis normatif yaitu penelitian hukum yang dilakukan dengan cara meneliti bahan pustaka atau menggunakan data sekunder. Kata Kunci: Lembaga Alternatif Penyelesaian Sengketa SJK; Sengketa Asuransi; Alternatif Penyelesaian Sengketa; Arbitrase

Trade Tax Through The Electronic System (PMSE) In The Sharia Maqasid Perspective According To Jasser Auda Nabilah, Deva
Nurani Vol 22 No 1 (2022): Nurani: jurnal kajian syari'ah dan masyarakat
Publisher : Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/nurani.v22i1.14591

This study aims to analyze Trade Tax Through Electronic Systems based on the perspective of Maqashid Syariah according to Jasser Auda. This research is a library research (library research) through a statutory approach (statute approach) which takes an approach through the perspective of Jasser Auda's maqasid syariah on tax purposes that emphasize the benefit of the people to create social values such as helping fellow people. The type of research data is normative juridical using data collection methods in the form of literature studies by collecting documents and data to be processed using analytical methods. In this study, there are 6 system features, namely cognitive nature, interrelatedness, wholeness, openness, multi-dimensionality and meaningfulness so that it gives rise to the perspective that the principle of tax collection must contain the principles of justice and the benefit of the people in order to bring prosperity and economic prosperity to all people with the principle of openness but on the basis of openness to the world and philosophy. In accordance with the aim of maqasid asy-shari'ah that all forms of effort are to bring goodness and avoid harm (harm).

APLIKASI E-WALLET: SOLUSI DIGITAL UNTUK PERLINDUNGAN HARTA BERDASARKAN MAQASID SYARIAH Musanna, Khadijatul; Fitri, Aulia; Nabilah, Deva
Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Vol 10, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/almaqasid.v10i2.13615

E-wallet is an electronic media used to store electronic money through certain applications. Various services provided by the company make e-wallet more practical, fast, and efficient in transactions. The use of e-wallet can be evaluated in the context of hifz mal (preservation of assets) in maqashid sharia to ensure its compliance with sharia principles. Hifz Mal is an important part of Maqshid Sharia which aims for the benefit of the community in a legal case. Maqashid Sharia as the maintenance of goodness achieves benefits and prevents evil. All matters in Islam are global and specific, all can be solved based on public interest, this is in line with the concept of Maqashid Sharia. The research methodology used in this study is qualitative with content analysis techniques to obtain data. This study examines comprehensive articles and books related to e-wallet, as well as the views of scholars on the concept of hifz mal. The results of the study indicate that the use of e-wallet as an electronic transaction medium to purchase products or services is in accordance with the concept of hifz mal. The use of money stored in e-wallets as a means of exchange in digital transactions is widely accepted by the public and does not involve elements of usury, gharar, gambling, or exploitation. In addition, e-wallets offer high security features and dual benefits that can make people's lives easier, in accordance with the principle of maintaining assets in maqashid sharia.

Analisis Kesesuaian Cross-Border dalam Permendag No. 31 Tahun 2023 terhadap Teori Ekonomi Keynesian sebagai Pendukung SDGs dan Maqāṣid Asy-Syarīah Nabilah, Deva; Fakhiroh, Zakiyatul
Pagaruyuang Law Journal volume 8 nomor 2 tahun 2025
Publisher : Universitas Muhammadiyah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31869/plj.v0i0.6222

Negara Indonesia adalah negara hukum, yang dibangun berdasarkan konstitusi dengan tujuan untuk mencapai dan mewujudkan tujuan yang tertinggi, yakni keadilan; ketertiban dan perwujudan nilai-nilai ideal. Dalam sektor perdagangan di Indonesia terdapat aturan mengenai Cross-Border yang lahir karena adanya perkembangan teknologi. Dalam Permendag No. 31 Tahun 2023 disebutkan aturan mengenai transaksi lintas negara menggunakan media e-commerce minimal pembelanjaan USD 100, namun adanya ketidak seimbangan dari kebijakan tersebut yang menjadi keluhan pada konsumen selaku pembeli yang menjualkan kembali produk tersebut, karena dinilai produk yang dijual di luar negeri relatif lebih murah dan lebih berkualitas, contohnya adalah barang elektronik dari China yang berhasil menguasai pasar gawai di Indonesia. Hal ini terjadi karena diminimalisirkan biaya upah dengan hanya 20% dari total biaya produksi, bahan baku yang murah, minimnya alokasi untuk pengelolaan limbah. Melalui penelitian ini akan mengkaji bagaimana kebijakan tersebut berdasarkan kenyataan terhadap perspektif teori Keynesian sebagai pendukung SDGs dan maqāṣid asy-syarīah. Metode penelitian menggunakan metode penelitian yuridis normatif yaitu penelitian hukum yang dilakukan dengan cara pendekatan kualitatif melalui metode penelitian kepustakaan.

AKAD IJARAH MUNTAHIYAH BITTAMLIK PERBANKAN SYARIAH SEBAGAI SEWA MANFAAT: AKAD IJARAH MUNTAHIYAH BITTAMLIK PERBANKAN SYARIAH SEBAGAI SEWA MANFAAT Nabilah, Deva; Alaqoh, Shofwatul; Sultan, Benny
KASBANA Vol 4 No 2 (2024): JULI
Publisher : Sekolah Tinggi Ilmu Syariah Darul Falah Bondowoso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53948/kasbana.v4i2.153

Ijarah Muntahiyah Bittamlik is a combination of two rental agreements between the bank as the lessor and the customer as the lessee for an item which is the object of the rental for a certain period of time through payment of rent by the customer to the bank, which binds the bank to transfer ownership of the rental object to the lessee after end of rental period. This research examines the perspective or views of Sharia Economic Law on ijarah Muntahiyah bittamlik as a lease of benefits for sharia banking practices. The type of research data is normative juridical using data collection methods in the form of library studies by collecting documents and data to be processed using analytical methods. The results of this research are that Sharia Banks apply ijarah mutaniah bi at-tamlik as a product in medium-term and long-term financing intended for; a) Investment Financing where banks channel financing for the procurement of productive capital goods such as machines, b) Consumer Financing such as purchasing houses, cars etc. Keywords: Ijarah Muntahiyah Bittamlik, Sharia Banking, Benefit Leasing.

Digital Solutions for Islamic Charity: The Impact of Cryptocurrency on Zakat, Infaq, and Sadaqah Pranata, Eka Octavian; Nabilah, Deva; Ma’rifah, Aula Nurul
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v6i4.5645

In the digital age, financial technology (fintech) developments offer new opportunities for the practice of Islamic charity, particularly zakat, infaq, and sadaqah (ZIS). One of the most innovative solutions is the use of cryptocurrency in these charitable activities. This article aims to analyze the impact of cryptocurrency adoption in the collection and distribution of ZIS by reviewing relevant literature and existing case studies. The research seeks to understand the potential, challenges, and legal implications of utilizing cryptocurrency in Islamic charity. The findings reveal that while cryptocurrency has the potential to enhance the efficiency and transparency of ZIS collection, it also presents challenges related to regulation, value stability, and acceptance by religious authorities.

Analisis Kesesuaian Cross-Border dalam Permendag No.31 Tahun 2023 terhadap Teori Ekonomi Keynesian sebagai Pendukung SDGs dan Maqāṣid Asy-Syarīah Nabilah, Deva; Fakhiroh, Zakiyatul; Musanna, Khadijatul; Sultan4, Benny
Pagaruyuang Law Journal volume 8 nomor 2 tahun 2025
Publisher : Universitas Muhammadiyah Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31869/plj.v0i0.6362

Negara Indonesia adalah negara hukum, yang dibangun berdasarkan konstitusi dengan tujuan untuk mencapai dan mewujudkan tujuan yang tertinggi. Dalam sektor perdagangan di Indonesia terdapat aturan mengenai Cross-Border yang lahir karena adanya perkembangan teknologi. Dalam Permendag No. 31 Tahun 2023 disebutkan aturan mengenai transaksi lintas negara menggunakan media e-commerce minimal pembelanjaan USD 100, namun adanya ketidak seimbangan dari kebijakan tersebut yang menjadi keluhan pada konsumen selaku pembeli yang menjualkan kembali produk tersebut, karena dinilai produk yang dijual di luar negeri relatif lebih murah dan lebih berkualitas, contohnya adalah barang elektronik dari China yang berhasil menguasai pasar gawai di Indonesia. Hal ini terjadi karena diminimalisirkan biaya upah dengan hanya 20% dari total biaya produksi, minimnya alokasi untuk pengelolaan limbah. Melalui penelitian bertujuan untuk mengkaji bagaimana kebijakan tersebut berdasarkan kenyataan terhadap perspektif teori Keynesian sebagai pendukung SDGs dan maqāṣid asy-syarīah. Metode penelitian menggunakan metode penelitian yuridis normatif yaitu penelitian hukum yang dilakukan dengan cara pendekatan kualitatif melalui metode penelitian kepustakaan. Penelitian ini menunjukkan hasil bahwa, indikator capaian maqāṣid asy-syarīah terhadap SDGs ada pada poin ke 8: 1. Mencapai tingkat produktivitas ekonomi yang lebih tinggi melalui diversifikasi, kemajuan teknologi, dan inovasi, termasuk berkonsentrasi pada industri yang menawarkan upah dan kesejahteraan tinggi, dengan kriteria Ḥifẓ Al-Māl, dengan memelihara harta dalam peringkat tahsīniyyāt. dan 2) Mendorong formalisasi dan pertumbungan usaha mikro, kecil, dan menengah, termasuk melalui akses terhadap jasa keuangan, dan menggalakkan kebijakan pembangunan yang mendukung kegiatan produktif, penciptaan lapangan kerja layak, kewirausahaan, kreatifivitas dan inovasi. dengan kriteria Ḥifẓ An-Nafs dengan memelihara jiwa dalam peringkat darūriyyāt.

Cannabis Seeds as a Culinary Ingredient: A Sociological Study of the Acehnese Community Musanna, Khadijatul; Nabilah, Deva; Suip, Muhammad Nuur Iman bin
SHAHIH: Journal of Islamicate Multidisciplinary Vol. 9 No. 2 (2024)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shahih.v2i9.10195

The purpose of this study was to examine marijuana seeds as a flavoring in food among the Acehnese people in the sociological review of Talcott Person. Marijuana based on the Aceh government policy in Aceh Qanun Number 8 of 2018 concerning Drug Abuse Prevention Facilities is a type of intoxicating item and is prohibited for consumption. However, from a cultural perspective, the Acehnese people use marijuana seeds as a flavoring and medicine. Regarding the research method, the author uses qualitative descriptive, while the approach is sociological. The author's primary sources were obtained from the results of observations, interviews and documentation. and secondary data were obtained from related books and journals. The results of the study obtained by the author are the phenomenon of the Acehnese people who use marijuana seeds as a flavoring that is still being implemented today and from sociological studies it has met the standards of Talcott Person's functional theory which is based on actions or cases carried out for a specific purpose. The use of marijuana seeds in cooking aims to make food more delicious and in meat broth cooking makes the meat soft and easy to chew.

Vasectomy Family Planning Policy and the Rights of Social Assistance Recipients: A Critical Study from the Perspective of Ḥifẓ an-Nasl and al-Māl Nabilah, Deva; Ma’rifah, Aula Nurul; Pranata, Eka Octavian; Puspita, Mega; Gunawan, Hendra
Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Vol 11, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/almaqasid.v11i1.15760

Policies that link access to social assistance with vasectomy reflect a form of state intervention that has the potential to violate basic principles of justice and human rights. Instead of strengthening welfare, such a policy raises serious problems in terms of the protection of offspring (ḥifẓ an-nasl) and the protection of property (al-māl) as stipulated in Maqāṣid as-Sharī'ah. This study uses normative legal approaches and qualitative methods to analyze these policies from the perspective of Islamic ethics and social rights frameworks. The results of the study show that imposing permanent contraceptive methods as a prerequisite for social assistance is not only contrary to the principles of maqāṣid, but also creates systemic discrimination against vulnerable groups. In this context, the state should not necessarily sacrifice the basic rights of citizens for the sake of achieving demographic figures. Therefore, this research challenges policy logic that ignores the values of protection and justice, and encourages the formulation of public policies that are more humane, inclusive, and in accordance with the socio-religious ethics of the Indonesian nation.

Vasectomy Family Planning Policy and the Rights of Social Assistance Recipients: A Critical Study from the Perspective of Ḥifẓ an-Nasl and al-Māl Nabilah, Deva; Ma’rifah, Aula Nurul; Pranata, Eka Octavian; Puspita, Mega; Gunawan, Hendra
Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Vol 11, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/almaqasid.v11i1.15760

Policies that link access to social assistance with vasectomy reflect a form of state intervention that has the potential to violate basic principles of justice and human rights. Instead of strengthening welfare, such a policy raises serious problems in terms of the protection of offspring (ḥifẓ an-nasl) and the protection of property (al-māl) as stipulated in Maqāṣid as-Sharī'ah. This study uses normative legal approaches and qualitative methods to analyze these policies from the perspective of Islamic ethics and social rights frameworks. The results of the study show that imposing permanent contraceptive methods as a prerequisite for social assistance is not only contrary to the principles of maqāṣid, but also creates systemic discrimination against vulnerable groups. In this context, the state should not necessarily sacrifice the basic rights of citizens for the sake of achieving demographic figures. Therefore, this research challenges policy logic that ignores the values of protection and justice, and encourages the formulation of public policies that are more humane, inclusive, and in accordance with the socio-religious ethics of the Indonesian nation.

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