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SENGKETA DALAM KONTRAK PENDANAAN DIGITAL: ANALISIS HUKUM KEPERDATAAN DAN ALTERNATIF PENYELESAIANNYA Miftachul Ulum, Kefi; Ariyanti, Sari; Suganda, Rangga; Rahmawati, Dewi; Khotimah, Husnul
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.v10i2.11601

Abstract

Securities crowdfunding is a service that funds MSMEs and start-up companies using standard agreements. The agreement used contains clauses containing moral hazard from the service provider company in the form of forcing service users not to involve the provider in the event of a dispute, whereas if the legal relationship is explained, the provider acts as an intermediary for service users with a central role, so that without the provider, such digital funding will not occur. This information technology-based funding activity is covered by Financial Services Authority Regulation No. 57 of 2020 concerning Securities Offerings through Information Technology-Based Crowdfunding Services and Financial Services Authority Regulation Number 16 of 2021 Amendment to Financial Services Authority Regulation Number 57 of 2020 concerning Securities Offerings Through Services Information Technology-Based Crowdfunding. The use of the standard agreement refers to Article 64(1) of POJK 57 2020 with the principles of balance, justice, and fairness. The agreement clause also contains unclear dispute resolution related to sharia funding, and service users will also experience the potential risk of disputes between organizers, issuers, and investors, as well as risks related to investment. Normative legal research is used as a research method that is classified in library research using a statute approach as an approach to contractual analysis and dispute resolution hierarchies by breaking down various laws and technical regulations from the Financial Services Authority. Analysis with this approach was found in the study of Article 1338 of the Civil Code requiring contracts to be made in accordance with the law, but the agreement clauses used did not apply the principles of justice, norms, and morality. Apart from that, a hierarchy was found in digital-based and offline-based dispute resolution with clustering the level of each problem or dispute. This level of clustering is a codification of the breakdown results carried out by the compiler of interrelated regulations, which are classified as internal dispute resolution and external dispute resolution.
Analisis Penetapan Hukum Islam Terhadap Perkembangan Cryptocurrency Melalui Pendekatan Saddu Dzari’ah Imeldalius, Imeldalius; SUGANDA, RANGGA; Makraja, Fahmi; Ulum, Kefi Miftachul Miftachul; Nimah, Rodhotun
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14405

Abstract

Era digital telah memberikan disrupsi pada tatanan kehidupan tidak terkecuali pada sektor pembayaran, salah satunya ialah keberadaan dari cryptocurrency. Cryptocurrency merupakan aset digital yang sengaja dirancang untuk bekerja sebagai media pertukaran yang menggunakan kriptografi (praktik melindungi informasi melalui penggunaan algoritme, kode, hash, dan tanda tangan) yang kuat untuk mengamankan transaksi keuangan, mengontrol penciptaan unit tambahan, dan memverifikasi transfer aset. Meningkatnya pengguna cryptocurrency di Indonesia pada setiap tahunya, membuat fenomena mata uang kripto mendapatkan perhatian yang luas sehingga pemerintah pun telah mengeluarkan regulasi dan begitu pula para kalangan ulama yang telah memberikan fatwanya. Fakta perkembangan cryptocurrency diyakini masih menimbulkan risiko-risiko yang merugikan masyarakat sehingga untuk melihat hal demikian perlu analisis penetapan hukum untuk keberadaan dari cryptocurrency salah satunya ialah dengan metode penetapan hukum sad dzari’ah. Metode penelitian yang digunakan pada penelitian ini ialah merupakan jenis penelitian kualitatif yang bertujuan untuk menganalisa dan mengkaji kedudukan cryptocurrency dalam Islam dengan menggunakan pendekatan sad dzari’ah. Hasil penelitian untuk penetapan hukum cryptocurrency dengan menggunakan pendekatan saddu dzari’ah, dianalisis berdasarkan motif, syarat legalitas, dan keragaman dari saddu dzari’ah. Hasilnya menunjukan penetapan hukum cryptocurrency saat ini masih memberikan kesimpulan kepada sesuatu yang banyak mendatangkan kemudharatan ketimbang kemashlahatan bagi umat manusia, atas dasar masih banyak menimbulkan kerugian finansial, tidak mempunyai underlying aset, adanya unsur gharar, maysir, oleh karna itu hadirnya cryptocurrency masih menimbulkan risiko yang lebih besar dari pada manfaatnya.
SENGKETA DALAM KONTRAK PENDANAAN DIGITAL: ANALISIS HUKUM KEPERDATAAN DAN ALTERNATIF PENYELESAIANNYA Miftachul Ulum, Kefi; Ariyanti, Sari; Suganda, Rangga; Rahmawati, Dewi; Khotimah, Husnul
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.v10i2.11601

Abstract

Securities crowdfunding is a service that funds MSMEs and start-up companies using standard agreements. The agreement used contains clauses containing moral hazard from the service provider company in the form of forcing service users not to involve the provider in the event of a dispute, whereas if the legal relationship is explained, the provider acts as an intermediary for service users with a central role, so that without the provider, such digital funding will not occur. This information technology-based funding activity is covered by Financial Services Authority Regulation No. 57 of 2020 concerning Securities Offerings through Information Technology-Based Crowdfunding Services and Financial Services Authority Regulation Number 16 of 2021 Amendment to Financial Services Authority Regulation Number 57 of 2020 concerning Securities Offerings Through Services Information Technology-Based Crowdfunding. The use of the standard agreement refers to Article 64(1) of POJK 57 2020 with the principles of balance, justice, and fairness. The agreement clause also contains unclear dispute resolution related to sharia funding, and service users will also experience the potential risk of disputes between organizers, issuers, and investors, as well as risks related to investment. Normative legal research is used as a research method that is classified in library research using a statute approach as an approach to contractual analysis and dispute resolution hierarchies by breaking down various laws and technical regulations from the Financial Services Authority. Analysis with this approach was found in the study of Article 1338 of the Civil Code requiring contracts to be made in accordance with the law, but the agreement clauses used did not apply the principles of justice, norms, and morality. Apart from that, a hierarchy was found in digital-based and offline-based dispute resolution with clustering the level of each problem or dispute. This level of clustering is a codification of the breakdown results carried out by the compiler of interrelated regulations, which are classified as internal dispute resolution and external dispute resolution.
Analisis Penetapan Hukum Islam Terhadap Perkembangan Cryptocurrency Melalui Pendekatan Saddu Dzari’ah Imeldalius, Imeldalius; SUGANDA, RANGGA; Makraja, Fahmi; Ulum, Kefi Miftachul Miftachul; Nimah, Rodhotun
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14405

Abstract

Era digital telah memberikan disrupsi pada tatanan kehidupan tidak terkecuali pada sektor pembayaran, salah satunya ialah keberadaan dari cryptocurrency. Cryptocurrency merupakan aset digital yang sengaja dirancang untuk bekerja sebagai media pertukaran yang menggunakan kriptografi (praktik melindungi informasi melalui penggunaan algoritme, kode, hash, dan tanda tangan) yang kuat untuk mengamankan transaksi keuangan, mengontrol penciptaan unit tambahan, dan memverifikasi transfer aset. Meningkatnya pengguna cryptocurrency di Indonesia pada setiap tahunya, membuat fenomena mata uang kripto mendapatkan perhatian yang luas sehingga pemerintah pun telah mengeluarkan regulasi dan begitu pula para kalangan ulama yang telah memberikan fatwanya. Fakta perkembangan cryptocurrency diyakini masih menimbulkan risiko-risiko yang merugikan masyarakat sehingga untuk melihat hal demikian perlu analisis penetapan hukum untuk keberadaan dari cryptocurrency salah satunya ialah dengan metode penetapan hukum sad dzari’ah. Metode penelitian yang digunakan pada penelitian ini ialah merupakan jenis penelitian kualitatif yang bertujuan untuk menganalisa dan mengkaji kedudukan cryptocurrency dalam Islam dengan menggunakan pendekatan sad dzari’ah. Hasil penelitian untuk penetapan hukum cryptocurrency dengan menggunakan pendekatan saddu dzari’ah, dianalisis berdasarkan motif, syarat legalitas, dan keragaman dari saddu dzari’ah. Hasilnya menunjukan penetapan hukum cryptocurrency saat ini masih memberikan kesimpulan kepada sesuatu yang banyak mendatangkan kemudharatan ketimbang kemashlahatan bagi umat manusia, atas dasar masih banyak menimbulkan kerugian finansial, tidak mempunyai underlying aset, adanya unsur gharar, maysir, oleh karna itu hadirnya cryptocurrency masih menimbulkan risiko yang lebih besar dari pada manfaatnya.