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All Journal Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Ekonomics, Finance, and Management Studies
Wahidullah
Universitas Islam Nahdlatul Ulama Jepara
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Dinamika Regulasi Pasca Undang-Undang Cryptocurrency 2023 Dan Dampaknya Pada Performa Pasar di Indonesia Abil Anam; Imron Choeri; Amrina Rosyada; Wahidullah
Jurnal Ilmu Hukum, Humaniora dan Politik Vol. 5 No. 1 (2024): (JIHHP) Jurnal Ilmu Hukum, Humaniora dan Politik
Publisher : Dinasti Review Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jihhp.v5i1.2865

Abstract

Pemerintah Indonesia tidak mengakui cryptocurrency sebagai metode pembayaran yang resmi di tanah air. Legalitas Kripto semakin diperbarui terlebih setelah diterbitkannya UU No. 4 Tahun 2023. Tujuan penelitian ini adalah untuk mengamati dinamika regulasi Pasca Undang-Undang Cryptocurrency 2023 dan dampaknya terhadap performa pasar yang ada  Indonesia. Penelitian ini menerapkan pendekatan penelitian hukum normatif. Metode pengumpulan data dalam penelitian ini menggunakan literatur (referensi) dalam bentuk buku, catatan, serta laporan hasil penelitian sebelumnya. Data utama dalam penelitian ini Undang-Undang Nomor 4 Tahun 2023. Sementara itu, informasi sekunder yang digunakan terdiri dari buku, catatan, laporan hasil penelitian, serta sumber-sumber di internet. Hasil penelitian ini adalah pasca disahkan UU No 4 Tahun 2023 berdasarakan catatan Bappeti pelanggan aset kripto tembus mencapai 18,25 juta per November 2023. Ada peningkatan yang cukup signifikan dari tahun 2022 hingga tahun 2023. Tahun 2024 berdasarkan data yang diambil Data Indonesia  investror kripto dalam negeri  pada Mei 2024 mencapai 19,75 juta. Kebanyakan investor atau trader kripto adalah generasi millennial dan gen Z dengan usia 18 tahun  hingga 35 tahun. Peningkatan tersebut terjadi setelah disetujuinya UU No 4 tahun 2023, yang di dalamnya OJK bertanggung jawab untuk mengatur dan mengawasi, termasuk kegiatan di sektor ITSK serta aset keuangan digital dan aset kripto.
Analisis Peran Manajemen Risiko pada Produk Gadai Emas di Pegadaian Syariah Ngabul Jepara Shofi’atun Ni’mah; Wahidullah; Zahrotun Nafisah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i4.7523

Abstract

Sharia Pawnshop is a financial institution that provides pawn services based on sharia principles, including gold pawning products that carry specific risks. This study aims to analyze the risk management applied to gold pawning products at the Sharia Pawnshop in Ngabul Jepara. The research method used is a qualitative approach with a descriptive analysis. Data were collected through in-depth interviews with Sharia Pawnshop officials, direct observations, and literature studies from various relevant sources. The study results indicate three main types of risks in gold pawning products: market risk, credit risk, and operational risk. Market risk is related to gold price fluctuations that may affect the collateral value. Credit risk arises from potential customer defaults, while operational risk stems from errors in transaction processes and gold appraisal. The Ngabul Jepara Sharia Pawnshop has implemented risk mitigation strategies, such as strict customer evaluations, adjusting collateral value based on current gold prices, and strengthening internal supervision. The study concludes that effective risk management is essential to maintaining the stability and sustainability of Sharia Pawnshop operations. The findings of this study can serve as a reference for developing more optimal risk mitigation strategies in Islamic financial institutions.
Analisis Peran Manajemen Risiko pada Produk Gadai Emas di Pegadaian Syariah Ngabul Jepara Shofi’atun Ni’mah; Wahidullah; Zahrotun Nafisah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 4 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i4.7308

Abstract

Sharia Pawnshop is a financial institution that provides pawn services based on sharia principles, including gold pawning products that carry specific risks. This study aims to analyze the risk management applied to gold pawning products at the Sharia Pawnshop in Ngabul Jepara. The research method used is a qualitative approach with a descriptive analysis. Data were collected through in-depth interviews with Sharia Pawnshop officials, direct observations, and literature studies from various relevant sources. The study results indicate three main types of risks in gold pawning products: market risk, credit risk, and operational risk. Market risk is related to gold price fluctuations that may affect the collateral value. Credit risk arises from potential customer defaults, while operational risk stems from errors in transaction processes and gold appraisal. The Ngabul Jepara Sharia Pawnshop has implemented risk mitigation strategies, such as strict customer evaluations, adjusting collateral value based on current gold prices, and strengthening internal supervision. The study concludes that effective risk management is essential to maintaining the stability and sustainability of Sharia Pawnshop operations. The findings of this study can serve as a reference for developing more optimal risk mitigation strategies in Islamic financial institutions.
Co-Authors Abil Anam Amrina Rosyada Imron Choeri Nafisah, Zahrotun Shofi’atun Ni’mah