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Hukum Islam pada Imple¬mentasi Manajemen Risiko Penyelesaian Pembiayaan Bermasalah Bank Syariah Indonesia (BSI) Ismail, Yana Chaeru Taufik; Janwari, Yadi; Kamaludin Yusup, Deni; Ahmad Saebani , Beni
Journal of Comprehensive Science Vol. 3 No. 9 (2024): Journal of Comprehensive Science (JCS)
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v3i9.985

Abstract

Islamic banking continues to develop, particularly in product diversification, offering a wider variety of options that have positively impacted the public's willingness to conduct muamalah activities through Islamic banks. Various financing products provide customers with the convenience of selecting options that suit their needs. The object of this research, as explained by Husein Umar in Setiawan Santana, focuses on problematic financing, a condition where significant deviations occur in repayments, leading to delays or potential losses. Problematic financing represents a situation where loan repayment agreements face the risk of failure and tend to lead to potential losses. This study offers new insights by examining the role of Islamic law in managing problematic financing risk at Bank Syariah Indonesia (BSI). The novelty of the research lies in the further exploration of using Islamic contracts (akad) as the main foundation in regulating and resolving problematic financing. Through this approach, the research provides a fresh perspective on how Islamic banks can more effectively manage financing risks while adhering to Sharia principles. The impact of this research on Islamic banking is quite significant. The application of risk management based on Islamic law is expected to enhance public trust in Islamic banking and strengthen its stability in Indonesia. The use of akad as the legal basis in resolving problematic financing ensures transparency and fairness in line with Sharia principles. This provides protection for both customers and the bank, creating a stronger foundation for the sustainability of Islamic banking in the future.
Paradoks Yudisial Omnibus Law: Analisis Komparatif Putusan Uji Formil Dan Uji Materiil Undang-Undang Kesehatan No. 17 Tahun 2023 Hertanto, Yudhi; Chaeru, Yana
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 1 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i1.2905

Abstract

Pengesahan Undang-Undang Nomor 17 Tahun 2023 tentang Kesehatan (UU Kesehatan) melalui metode omnibus law memicu kontroversi dan penolakan dari lima organisasi profesi kesehatan utama, yang berujung pada pengujian yudisial di Mahkamah Konstitusi (MK). Penelitian ini menganalisis sebuah paradoks yudisial yang muncul dari hasil pengujian tersebut. Di satu sisi, MK menolak seluruh permohonan uji formil (Putusan 29 Februari 2024), menyatakan proses legislasi yang dikritik minim partisipasi tersebut sah secara konstitusional. Di sisi lain, MK justru mengabulkan sebagian uji materiil (Putusan Perkara 49/PUU-XXII/2024) terhadap Pasal 212 ayat (2) UU Kesehatan, dengan alasan ketiadaan aturan peralihan telah menciptakan ketidakpastian hukum dan merugikan hak konstitusional warga negara. Penelitian ini menggunakan metode yuridis-normatif dengan pendekatan konseptual dan studi kasus. Analisis teoretis menggunakan teori sistem autopoietik Gunther Teubner dan standar meaningful participation dari Putusan MK sebelumnya (No. 91/PUU-XVIII/2020). Hasil penelitian menunjukkan bahwa putusan uji formil merefleksikan operasionalisasi sistem hukum yang tertutup (autopoietik), yang memvalidasi kepatuhan formal-prosedural. Sebaliknya, putusan uji materiil secara implisit memvalidasi kegagalan partisipasi substantif, karena MK terpaksa melakukan koreksi bedah terhadap substansi UU yang cacat. Paradoks ini mengekspos tegangan fundamental antara legitimasi prosedural yang formalistik dan keadilan substantif dalam praktik legislasi omnibus law di Indonesia, yang berimplikasi pada "perampasan legal" kewenangan organisasi profesi dan terjadinya "kekosongan norma" di level praktik