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<![CDATA[Tinjauan Hukum Islam Terhadap Sistem Transaksi Kredit Pemilikan Rumah (KPR) Di Bank Tabungan Negara Syariah (BTN Syariah) Semarang ]]>
<![CDATA[Arif Rochman]]>;
<![CDATA[Dharu Triasih]]>;
<![CDATA[Agus Saiful Abib]]>
<![CDATA[ Hukum dan Masyarakat Madani Vol. 7 No. 3 (2017): November ]]>
Publisher : <![CDATA[Universitas Semarang ]]>
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DOI: 10.26623/humani.v7i3.1425
<![CDATA[Rumah adalah kebutuhan dasar yang sangat penting bagi setiap orang. namun sebagian orang masih belum memiliki rumah sendiri. Faktor penyebabnya adalah mahalnya harga tunai rumah. Oleh karena itu pemerintah melalui menteri perumahan rakyat membuat program Kredit Pemilikan Rumah (KPR). Program KPR ini ditujukan untuk masyarakat berpenghasilan rendah yang disebut KPR subsidi. Salah satu bank yang menjadi pelaksana program tersebut yaitu Bank Tabungan Negara Syariah (BTN Syariah). Penelitian skripsi ini mengenai sistem transaksi KPR yang dilakukan oleh BTN Syariah Semarang dan tinjauan hukum Islam terhadap sistem transaksi KPR di BTN Syariah Semarang. Jenis penelitian ini menggunakan penelitian hukum normatif dengan pendekatan konseptual agar dapat memahami sistem transaksi KPR BTN Syariah yang menggunakan prinsip Islam. Hasil dan pembahasan penelitian ini yaitu sistem transaksi KPR yang dilakukan BTN Syariah menggunakan akad jual beli murabahah dan istishna. Tinjauan hukum Islam terhadap Akad murabahah yaitu dengan 3 pendekatan yang terdiri dari ditinjau dari rukun jual beli, syarat sah jual beli serta syarat jual beli kredit. Untuk akad Istishna, BTN Syariah tidak bisa menggunakan akad ini karena BTN Syariah bukanlah produsen melainkan trader. Simpulannya skema transaksi KPR yang dilakukan BTN Syaraih hakekatnya bukan jual beli murabahah atau istishna, tetapi hutang piutang / qardh.Home is a basic need that is very important for everyone. but some people still do not have their own home. The factor is the high cost of house cash. Therefore, the government through the minister of public housing makes the program of Housing Loans (KPR). The mortgage program is aimed at low-income communities called subsidized KPR. One of the banks that became the implementer of the program is the State Savings Bank Syariah (BTN Syariah). This thesis research about mortgage transaction system conducted by BTN Syariah Semarang and review of Islamic law to mortgage transaction system in BTN Syariah Semarang. This type of research uses normative legal research with a conceptual approach in order to understand the transaction system of KPR BTN Syariah using Islamic principles. Results and discussion of this research is a system of mortgage transactions conducted BTN Syariah using the sale and purchase agreement murabaha and istishna. Review of Islamic Law against Murabahah Akad that is with 3 approach consisting of observed from rukun jual beli, legal condition of sale and purchase and condition of sale and purchase credit. For Istishna contract, BTN Syariah can not use this contract because BTN Syariah is not a producer but trader. The conclusion of the scheme of mortgage transactions conducted by BTN Syaraih is not the sale and purchase of murabahah or istishna, but the accounts payable / qardh.]]>
<![CDATA[MODEL PENYELESAIAN SENGKETA PENANAMAN MODAL ASING BERBASIS KEADILAN ]]>
<![CDATA[Agus Saiful Abib]]>;
<![CDATA[B. Rini Heryanti]]>;
<![CDATA[Sukimin Sukimin]]>
<![CDATA[ Hukum dan Masyarakat Madani Vol. 10 No. 2 (2020): November ]]>
Publisher : <![CDATA[Universitas Semarang ]]>
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DOI: 10.26623/humani.v10i2.2883
<![CDATA[Kegiatan penanaman modal dimungkinkan terjadi perselisihan antara pemerintah dengan penanam modal asing. Oleh karena itu melalui Pasal 32 ayat (1) dan ayat (4) UUPM telah memberikan rambu-rambu dalam upaya penyelesaian sengketa antara pemerintah dengan penanam modal asing. Pasal 32 ayat (1) UUPM menyatakan bahwa dalam hal terjadi sengketa di bidang penananaman modal antara pemerintah dengan penanam modal, para pihak terlebih dahulu menyelesaikan sengketa tersebut melalui musyawarah mufakat. Selanjutnya Pasal 32 ayat (4) UUPM menyatakan bahwa dalam hal terjadi sengketa penanaman modal antara pemerintah dengan penanam modal asing, para pihak akan menyelesaikan sengketa tersebut melalui arbitrase internasional yang harus disepakati para pihak. Pengaturan tata cara penyelesaian sengketa penanaman modal baik melalui musyawarah mufakat maupun arbitrase internasional diharapkan dapat memberikan jaminan dan kepastian hukum kepada para pihak. Penelitian ini mengkaji mengenai keuntungan dan kerugian pemerintah Indonesia dalam penyelesian sengketa penanaman modal saat ini serta model penyelesaian sengketa penanaman modal asing berbasis keadilan. Hasil penelitian ini menyatakan penyelesaian perselisihan penanaman modal yang melibatkan negara dengan warga negara asing di ICSID tidak adil dan tidak seimbang, karena kedaulatan Indonesia sebagai penerima penanaman modal tersandera oleh sistem hukum global yang bersifat kapitalis liberalis dan individualis dan harusnya perselisihan penanaman modal diselesaikan oleh badan arbitrase ASEAN.]]>
<![CDATA[KONSEP LEMBAGA PENJAMIN SIMPANAN PADA KOPERASI INDONESIA ]]>
<![CDATA[Agus Saiful Abib]]>;
<![CDATA[B Rini Heryanti]]>;
<![CDATA[Dhian Indah Astanti]]>
<![CDATA[ Arena Hukum Vol. 13 No. 3 (2020) ]]>
Publisher : <![CDATA[Arena Hukum ]]>
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DOI: 10.21776/ub.arenahukum.2020.01303.4
<![CDATA[AbstractBased on data from the Indonesia Ministry of Cooperatives and UMKM until 2015, the number of coorperatives in Indonesia reached 212.135 with the distribution of active cooperatives totaling 150,223 and inactive cooperatives reaching 61,912. These inactive cooperatives can have implications for members as creditors in the event of a aims to examine the arrangement of deposit insurance institutions in cooperatives as study state that regulation of deposit insurance institutions in cooperatives is not establishment of a guarantor institution for cooperatives in Indonesia is a necessity to Number 25 of 1992 concerning Cooperatives by including the deposit guarantor institution in the cooperatives  AbstrackBerdasarkan data Kementerian Koperasi dan UMKM RI hingga tahun 2015 jumlah koperasi di Indonesia mencapai 212.135 dengan persebaran koperasi aktif berjumlah 150.223 dan koperasi tidak aktif mencapai 61.912. Koperasi tidak aktif tersebut dapat berimplikasi kepada anggota sebagai kreditur dalam hal terjadi kemacetan dalam pencairan dana milik anggota koperasi. Penelitian ini bertujuan mengkaji pengaturan lembaga penjamin simpanan pada koperasi serta konsep lembaga penjamin simpanan pada koperasi. Hasil penelitian ini menyatakan pengaturan lembaga penjamin simpanan pada koperasi tidak diatur secara spesifik dalam Undang-Undang Nomor 25 Tahun 1992 tentang Perkoperasian. Pembentukan lembaga penjamin pada koperasi di Indonesia adalah suatu keniscayaan untuk segera mungkin dibentuk lembaga penjamin simpanan koperasi dengan melakukan revisi terhadap Undang-Undang tentang Perkoperasian dengan memasukan lembaga penjamin simpanan pada koperasi.]]>
<![CDATA[Perlindungan Hukum Terhadap Pemenang Lelang Beritikad Baik yang Risalah Lelangnya dibatalkan Oleh Pengadilan ]]>
<![CDATA[Dedy Suwandi]]>;
<![CDATA[Agus Saiful Abib]]>;
<![CDATA[Tumanda Tamba S.P.]]>
<![CDATA[ UNES Law Review Vol. 6 No. 1 (2023): UNES LAW REVIEW (September 2023) ]]>
Publisher : <![CDATA[LPPM Universitas Ekasakti Padang ]]>
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DOI: 10.31933/unesrev.v6i1.1048
<![CDATA[Law Number 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land provides an opportunity for someone to be able to guarantee land and/or buildings for debts and receivables that they agree to. This mortgage right gives creditors the right to obtain repayment of certain money and gives them a priority position compared to other creditors. If the debtor breaks his contract, the creditor holding the first mortgage right has the right to sell the object of the mortgage right under his own authority through a public auction, and take payment of his receivables from the proceeds of the sale. The auction is often used as a lawsuit for third parties who have an interest in the collateral object being auctioned. Apart from that, the lawsuit also includes the Auction Minutes prepared by the Auction Officer. However, the Auction Minutes as an authentic deed are often canceled and considered to have never existed. When this happens, the auction winner becomes the party who suffers the most losses. As the auction winner has good intentions, he should receive protection for his ownership rights over the auction object.]]>
<![CDATA[PENINGKATAN PEMAHAMAN SISWA MA NU MRANGGEN MENGENAI TANGGUNGJAWAB PENGANGKUT DALAM PENGANGKUTAN NIAGA ]]>
<![CDATA[Saiful Abib, Agus]]>;
<![CDATA[Pujiastuti, Endah]]>;
<![CDATA[Mulyani, Tri]]>
<![CDATA[ Adi Widya : Jurnal Pengabdian Masyarakat Vol 7 No 2 (2023): Adi Widya: Jurnal Pengabdian Masyarakat ]]>
Publisher : <![CDATA[Lembaga Penelitian dan Pengabdian Masyarakat ]]>
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DOI: 10.33061/awpm.v7i2.9372
<![CDATA[Public transportation is one of the transportation media that is very necessary for the community and the government to minimize the use of private transportation as well as congestion that is becoming more and more common in big cities in Indonesia. The use of public transportation is carried out by the government through State-Owned Enterprises (BUMN) and Privately-Owned Enterprises (BUMS) through land, sea and air transportation. Public transportation in the past 1 (one) decade has become the main center of attention for the central and regional governments in order to minimize the accident rate on public transportation and make various policies to protect passengers and their heirs if unwanted things happen. So far, many students do not know the responsibilities of carriers in public transportation, therefore it is necessary to do community service in the form of outreach to increase the understanding of MA NU Mranggen students regarding the responsibilities of carriers in public transportation. This service is carried out by means of lectures and direct questions and answers and evaluation by distributing questionnaires before and after the activity is carried out. This service is carried out by an implementation team consisting of 1 (one) chairperson, and 2 (two) members. The implementation team is lecturers at the Faculty of Law, University of Semarang who are competent in mastering material regarding the responsibilities of carriers in commercial transport. The results of the dedication which took the theme of the rights of persons with disabilities, based on an average increase of 70.0%.]]>
<![CDATA[PENINGKATAN PEMAHAMAN SISWA MENGENAI ASPEK HUKUM PENGGUNAAN PAYLATER PADA E-COMMERCE DI SMA KESATRIAN 2 SEMARANG ]]>
<![CDATA[Setyowati, Endang]]>;
<![CDATA[Agus Saiful Abib]]>;
<![CDATA[Dhian Indah Astanti]]>;
<![CDATA[Stefani Dewi Rosariad]]>
<![CDATA[ Jurnal Padamu Negeri Vol. 2 No. 2 (2025): April : Jurnal Padamu Negeri (JPN) ]]>
Publisher : <![CDATA[CV. Denasya Smart Publisher ]]>
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DOI: 10.69714/bwhdc424
<![CDATA[The widespread phenomenon of bad debts on PayLater has become a serious problem affecting the younger generation. This community service activity aims to educate the risks of PayLater as a form of early financial literacy prevention at the secondary school level. PayLater requires terms and conditions to be met. However, users often ignore these terms and conditions, resulting in legal consequences. The legal provisions regarding PayLater in e-commerce are regulated by Financial Services Authority Regulation Number 10/POJK.05/2022 concerning Information Technology-Based Joint Funding Services, and the Agreement under Article 1313 of the Civil Code (KUHPerdata). This agreement is considered a standard agreement because it contains terms and conditions made by one party and an electronic agreement made and documented in an electronic document. The community service activity was carried out by the Community Service Team in partnership with SMA Kesatrian 2 Semarang, targeting the school's eleventh-grade students. The community service location is at Jalan Gajah Raya No. 58, Gayamsari, Semarang City. The problem faced by partners is a lack of understanding regarding the legal aspects of using PayLater on e-commerce platforms. Therefore, the Community Service team conducted outreach to provide understanding regarding this matter. This community service activity utilized methods including lectures and question-and-answer sessions to address the partners' concerns. To gauge the students' level of understanding, a pre-test was conducted before the presentation. Following the Q&A session, the community service team provided an evaluation through a post-test.]]>
<![CDATA[Pemisahan Kewenangan Kepala Daerah dalam Menjalankan Pemerintahan dengan Pemegang Saham BUMD ]]>
<![CDATA[Suwandi, Dedy]]>;
<![CDATA[Abib , Agus Saiful]]>;
<![CDATA[Tamba, Tumanda]]>
<![CDATA[ Jurnal Ilmu Hukum, Humaniora dan Politik Vol. 4 No. 4 (2024): (JIHHP) Jurnal Ilmu Hukum, Humaniora dan Politik (Mei - Juni 2024) ]]>
Publisher : <![CDATA[Dinasti Review Publisher ]]>
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DOI: 10.38035/jihhp.v4i4.2009
<![CDATA[The implementation of local government which is the authority of regional heads in the implementation of State Administration is certainly very Administrative, but keep in mind that regional heads also have the authority to create regional owned enterprises or BUMD for short. The authority possessed by the regional head, namely the administrative authority with the business policy of the two regulations, is certainly very different both in terms of policy and accountability. It should be borne in mind that these two powers should not be mixed so that there is a need for a ban on the restriction of authority owned by the regional head.. In reviewing this article normative juridical approach is expected to find the other side of the extent to which the policy of legal norms to see the objective position in the separation of powers between the head of government administration policy with business policy as a shareholder of BUMD. The division of authority should be separated between the administrative authority of the government, with local governments as shareholders in this case the majority vote in the GMs, and should not only be limited to government regulations because according to the author BUMD is a Lex specialist in a company the arrangement should be specifically in the form of legislation so that there are checks and balances with the House of Representatives.]]>
<![CDATA[Perlindungan Hukum Terhadap Pemenang Lelang Beritikad Baik yang Risalah Lelangnya dibatalkan Oleh Pengadilan ]]>
<![CDATA[Suwandi, Dedy]]>;
<![CDATA[Abib, Agus Saiful]]>;
<![CDATA[Tamba S.P., Tumanda]]>
<![CDATA[ UNES Law Review Vol. 6 No. 1 (2023) ]]>
Publisher : <![CDATA[Universitas Ekasakti ]]>
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DOI: 10.31933/unesrev.v6i1.1048
<![CDATA[Law Number 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land provides an opportunity for someone to be able to guarantee land and/or buildings for debts and receivables that they agree to. This mortgage right gives creditors the right to obtain repayment of certain money and gives them a priority position compared to other creditors. If the debtor breaks his contract, the creditor holding the first mortgage right has the right to sell the object of the mortgage right under his own authority through a public auction, and take payment of his receivables from the proceeds of the sale. The auction is often used as a lawsuit for third parties who have an interest in the collateral object being auctioned. Apart from that, the lawsuit also includes the Auction Minutes prepared by the Auction Officer. However, the Auction Minutes as an authentic deed are often canceled and considered to have never existed. When this happens, the auction winner becomes the party who suffers the most losses. As the auction winner has good intentions, he should receive protection for his ownership rights over the auction object.]]>
<![CDATA[Pemisahan Kewenangan Kepala Daerah dalam Menjalankan Pemerintahan dengan Pemegang Saham BUMD ]]>
<![CDATA[Dedy Suwandi]]>;
<![CDATA[Agus Saiful Abib]]>;
<![CDATA[Tumanda Tamba]]>
<![CDATA[ Jurnal Ilmu Hukum, Humaniora dan Politik Vol. 4 No. 4 (2024): (JIHHP) Jurnal Ilmu Hukum, Humaniora dan Politik (Mei - Juni 2024) ]]>
Publisher : <![CDATA[Dinasti Review Publisher ]]>
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DOI: 10.38035/jihhp.v4i4.2009
<![CDATA[The implementation of local government which is the authority of regional heads in the implementation of State Administration is certainly very Administrative, but keep in mind that regional heads also have the authority to create regional owned enterprises or BUMD for short. The authority possessed by the regional head, namely the administrative authority with the business policy of the two regulations, is certainly very different both in terms of policy and accountability. It should be borne in mind that these two powers should not be mixed so that there is a need for a ban on the restriction of authority owned by the regional head.. In reviewing this article normative juridical approach is expected to find the other side of the extent to which the policy of legal norms to see the objective position in the separation of powers between the head of government administration policy with business policy as a shareholder of BUMD. The division of authority should be separated between the administrative authority of the government, with local governments as shareholders in this case the majority vote in the GMs, and should not only be limited to government regulations because according to the author BUMD is a Lex specialist in a company the arrangement should be specifically in the form of legislation so that there are checks and balances with the House of Representatives.]]>
<![CDATA[Peningkatan Pemahaman Masyarakat Tlogosari Kulon Mengenai Hukum Waris di Indonesia ]]>
<![CDATA[Septiandani, Dian]]>;
<![CDATA[Abib, Agus Saiful]]>;
<![CDATA[Astanti, Dhian Indah]]>;
<![CDATA[Muryati, Dewi Tuti]]>;
<![CDATA[Ananda, Raka Wahyu]]>;
<![CDATA[Pamungkas, Beatrich Advismadya]]>
<![CDATA[ KADARKUM: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 1 (2026): Juni ]]>
Publisher : <![CDATA[Fakultas Hukum Universitas Semarang ]]>
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DOI: 10.26623/6vk8fg24
<![CDATA[Hukum waris di Indonesia bersifat plural, artinya ada tiga sistem hukum yang berlaku tergantung pada agama dan adat yang dianut pewaris dan ahli waris: Hukum Waris Islam (Faraidh), Hukum Waris Adat (yang berbeda di tiap daerah), dan Hukum Waris Perdata (KUH Perdata). Umat Muslim berpedoman pada hukum Islam, sementara non-Muslim umumnya menggunakan KUH Perdata, dan masyarakat dengan latar belakang adat yang kuat bisa mengikuti hukum waris adat setempat. Untuk meningkatkan pemahaman masyarakat Tlogosari Kulon mengenai hukum waris di Indonesia, maka perlu dilakukan penyuluhan hukum. Adapun cara yang dilakukan adalah dengan ceramah dan tanya jawab secara langsung setelah selesai ceramah. Untuk mengetahui peningkatan pemahaman menggunakan kuesioner pre-test dan post-test, kemudian hasilnya dihitung kenaikan persentasenya dan dianalisis. Kata kunci: Peningkatan Pemahaman, Masyarakat, Waris, Tlogosari Kulon, Penyuluhan Hukum.]]>
