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All Journal Jurnal Ilmiah Nusantara JURNAL AKADEMIK EKONOMI DAN MANAJEMEN
Nafoura Maharani Arl
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences

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Legalitas Akad Hybrid dalam Fintech Syariah: Studi Kasus Pembiayaan Murabahah-Ijarah dan Tantangan Hukum dalam Penyelesaiannya Nafoura Maharani Arl; Baidhowi Baidhowi
JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Vol. 2 No. 2 (2025): JURNAL AKADEMIK EKONOMI DAN MANAJEMEN  Juni
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jaem.v2i2.4980

Abstract

This study aims to analyze the legality of hybrid contracts in Islamic fintech with a focus on the combination of murabahah and ijarah contracts in the financing scheme. Hybrid contracts are an innovative solution in the Islamic financial system, but still face legal challenges, especially in legal certainty, consumer protection, and dispute resolution. This study uses the normative juridical method with a statutory approach and analysis of default cases on one of the Islamic fintech platforms in Indonesia. The results of the study show that existing regulations, such as the DSN-MUI fatwa and POJK related to Islamic fintech, have not fully provided clarity regarding the hybrid scheme, especially in terms of risk mitigation and dispute resolution mechanisms. In addition, there are still differences in interpretation in the application of hybrid contracts that can potentially cause legal uncertainty for business actors and customers. The conclusion of this study emphasizes the need for regulatory harmonization and improvement of supervisory and dispute resolution mechanisms in Islamic fintech in order to ensure the sustainability and legal certainty in the implementation of hybrid contracts.
Foreign Direct Investment dalam Skema Joint Venture: Analisis Dampak Sosial-Ekologis di Kawasan Industri Morowali Nafoura Maharani Arl; Sang Ayu Putu Rahayu
JURNAL ILMIAH NUSANTARA Vol. 2 No. 3 (2025): Jurnal Ilmiah Nusantara
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jinu.v2i3.4636

Abstract

Foreign Direct Investment (FDI) represents a key instrument in stimulating national economic growth, especially in resource-based industries. This study aims to analyze the social and ecological impacts of foreign direct investment under a joint venture scheme in the Indonesia Morowali Industrial Park (IMIP), Central Sulawesi. Utilizing a juridical-sociological approach and qualitative descriptive method, this article explores secondary data obtained from regulations, government publications, and civil society reports. The findings reveal that while the joint venture between PT Bintangdelapan Group and Tsingshan Holding Group significantly contributes to regional economic growth and the success of Indonesia’s nickel downstreaming policy, it simultaneously generates adverse externalities, including social inequality, marginalization of local communities, and environmental degradation due to poorly regulated industrial activities. This imbalance underscores a governance gap in managing FDI within strategic industrial zones. Hence, the study proposes an integrative policy reform that places social justice and environmental sustainability as central pillars of Indonesia's FDI framework.
Co-Authors Baidhowi Baidhowi Sang Ayu Putu Rahayu