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All Journal Madani: Multidisciplinary Scientific Journal Socius: Social Sciences Research Journal Media Hukum Indonesia (MHI)
Latifah, Ida
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Implementasi Pinjaman Online: Membedah Regulasi Utang dalam Dunia Digital di Indonesia Hardiati, Neni; Latifah, Ida; F, Fitriani
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 7 (2024): Madani, Vol 2. No. 7, 2024
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.12798322

Abstract

This research aims to look at debt and receivable regulations. Debts and Receivables are an agreement in which one party provides a loan (creditor) and the other party has an obligation to pay back the money and interest within a certain period of time. Online loans are financial services to bring together lenders and borrowers to carry out loan and borrowing agreements through an electronic system. Also known as fintech lending, peer to peer lending, online loans and technology-based money lending and borrowing services (lpmubt). This research method uses literature studies and trusted news media documents in the case of online loans. If this online loan is linked to the provisions of Article 1754 of the Civil Code, this online debt and receivable agreement still gives rise to rights and obligations in the form of giving certain goods and returning the goods for the same amount. Then, there are rules contained in POJK regulation no. 77/POJK.01/2016 this regulation is the legal basis for the implementation of information technology-based money lending and borrowing services. This regulation also regulates various aspects, including licensing, governance and supervision of fintech companies. The main aim of this regulation is to ensure that online loan services are carried out transparently and fairly, as well as to protect consumers from detrimental business practices.
Jual Beli Emas Secara Kredit Perspektif Hukum Ekonomi Islam Hardiati, Neni; Latifah, Ida; F, Fitriani
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 3 (2024): Oktober
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.13980976

Abstract

This study discusses the law of buying and selling gold on credit from the perspective of Islamic economics law. Gold has a special status in fiqh muamalah, especially because of its nature as a currency and commodity. In buying and selling transactions, certain conditions must be met, especially related to regulations or sharia principles regarding buying and selling related to usurious goods such as gold. Credit transactions, which allow payments to be made in installments or postponed, are controversial due to concerns about usury. This study will explore the views of scholars and Islamic financial institutions on this transaction, as well as recommendations for gold buying and selling practices in accordance with sharia principles. Buying and selling gold on credit is a contract for the transfer of assets such as gold from one person to another which is carried out through credit. This study aims to describe activities regarding buying and selling carried out through credit. This study uses a descriptive qualitative research type, through a study of various literature and criticizing the problems found in the field if the sale contract. Sales carried out on credit in the context of gold as currency. Furthermore, sales on the law of gold buying and selling should only be able to trade gold when the contract is in cash and the value is the same, but if the status of gold is a commodity, then buying and selling gold on credit is permissible. 
Implementasi Sewa Jasa Endorsment Dalam Meningkatkan Penjualan Produk Dalam Perspektif Hukum Ekonomi Islam Hardiati, Neni; Latifah, Ida; F, Fitriani
Media Hukum Indonesia (MHI) Vol 2, No 4 (2024): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14055945

Abstract

This study aims to analyze the Islamic economic law review of the implementation of endorsement service rental as one of the marketing strategies in increasing product sales. Endorsement is a form of cooperation between a company or product owner and an influential individual, such as a celebrity or influencer, to promote the product to a wider audience. This study uses a qualitative method with a literature study approach to understand how Islamic economic law views the practice of endorsement. Based on the analysis conducted, the implementation of endorsement service rental from an Islamic legal perspective must meet the requirements in accordance with sharia principles, such as a clear contract between the two parties, no elements of gharar (uncertainty), usury, and maisir (gambling). In addition, the advertised product must be halal and in accordance with sharia ethics. The results of the study indicate that endorsement can be a legitimate and effective strategy in increasing product sales as long as it meets the basic principles of Islamic economic law. The conclusion of this study is that endorsement service rental is a form of transaction that is permitted in Islamic law as long as the contract used is clear, the product being promoted is halal, and there is no element of fraud or uncertainty in the agreement.
Co-Authors Fitriani F, Fitriani Hardiati, Neni