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Konsep Akad Syariah pada Fintech Islam: Kajian Hukum dan Implementasinya: The Concept of Sharia Contracts in Islamic Fintech: Legal Study and Implementation Budi Handayani; Hamzah Mardiansyah; Darmawan Tri Budi Utomo; Mieke Anggraeni Dewi; Taupiq
Jurnal Kolaboratif Sains Vol. 7 No. 12: Desember 2024
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v7i12.6696

Abstract

Fintech syariah merupakan inovasi yang mengintegrasikan teknologi keuangan modern dengan prinsip-prinsip syariah, seperti keadilan, transparansi, dan tanggung jawab sosial. Indonesia, sebagai negara dengan populasi Muslim terbesar di dunia, memiliki potensi besar dalam pengembangan fintech syariah. Dukungan regulasi, seperti Fatwa DSN-MUI No. 117 Tahun 2018 dan POJK No. 77 Tahun 2016, menjadi landasan penting bagi industri ini. Akad-akad syariah, seperti mudharabah, musyarakah, dan wakalah bil ujrah, menjadi fondasi utama yang menjamin terpenuhinya nilai-nilai Islam. Namun, industri ini menghadapi tantangan berupa rendahnya literasi keuangan syariah, keterbatasan sumber daya manusia, dan persaingan dengan fintech konvensional. Solusi yang diusulkan meliputi inovasi teknologi, peningkatan literasi keuangan syariah, dan kolaborasi antar pemangku kepentingan. Dengan pendekatan yang holistik, fintech syariah dapat menjadi pilar utama dalam sistem keuangan Islam yang berkelanjutan dan inklusif.
The Effect of Customary Law on The Distribution of Heritage to Indigenous Peoples in Indonesia Rosalia, Olyvia; Firayani; Taupiq
Journal of Adat Recht Vol. 1 No. 6 (2025): MARCH-JOAR
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/sbqnab98

Abstract

This study discusses the influence of customary law on the distribution of inheritance within indigenous communities in Indonesia, as well as how customary law is recognized within the national legal system. Indigenous communities possess diverse inheritance systems, such as patrilineal (Batak, Nias), matrilineal (Minangkabau), and bilateral (Javanese, Sundanese) systems, which often differ from the provisions of positive law, such as the Civil Code and the Compilation of Islamic Law. This study employs normative legal research methods with a statutory approach to analyze the regulations governing customary inheritance. The findings indicate that although the state has acknowledged the existence of customary law through Article 18B Paragraph (2) of the 1945 Constitution, Law No. 5 of 1960, and Law No. 6 of 2014, challenges remain in its implementation particularly regarding conflicts with national law and the potential for gender discrimination in certain customary systems. The study concludes by emphasizing the need for harmonization between customary and national law to create a more equitable inheritance system that aligns with the principles of human rights protection.
Co-Authors Budi Handayani Budi Utomo, Darmawan Tri Firayani Hamzah Mardiansyah Mieke Anggraeni Dewi Rosalia, Olyvia