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All Journal An Nuqud: Journal of Islamic Economics
Samsulijar
Unknown Affiliation
Religion Economics, Econometrics & Finance

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IMPLIKASI HUKUM PINJAMAN ONLINE: KAJIAN TERHADAP PERLINDUNGAN NASABAH DITINJAU DARI HUKUM POSITIF DAN HUKUM ISLAM Nurmiana; Samsulijar
An Nuqud Journal of Islamic Economics Vol 3 No 2 (2025): AN NUQUD
Publisher : LEMBAGA PENELITIAN DAN PENGABDIAN PADA MASYARAKAT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/annuqud.v3i2.1806

Abstract

The development of information technology has given rise to various innovations in the financial sector, one of which is online lending services (pinjol). Although providing convenience, online lending practices often raise legal issues, particularly regarding customer protection. This paper examines the legal implications of online lending practices and analyzes legal protection for customers from both the perspective of positive law in Indonesia and Islamic law. The method used is a normative legal approach with qualitative analysis. The findings reveal that despite existing regulations such as the Consumer Protection Law and POJK, their implementation remains ineffective. In Islamic law, online lending practices involving usury and exploitation are contrary to the principles of justice and balance in muamalah.
RISK MANAGEMENT IN ISLAMIC FINANCIAL INSTITUTIONS: AN ISLAMIC LEGAL APPROACH TO THE PRACTICE OF GHARAR AND MAISIR Samsulijar
An Nuqud Journal of Islamic Economics Vol 3 No 2 (2025): AN NUQUD
Publisher : LEMBAGA PENELITIAN DAN PENGABDIAN PADA MASYARAKAT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/annuqud.v3i2.1979

Abstract

Sharia financial institutions (SFIs) face various risks that must be managed carefully and in accordance with sharia principles. Among the main challenges is avoiding the practices of gharar (uncertainty) and maisir (speculation/gambling), both of which are prohibited in Islam. This article aims to analyse the Islamic legal approach to risk management in Islamic financial institutions, with a focus on identifying, mitigating, and preventing gharar and maisir. A qualitative-descriptive approach was used in this study, involving an analysis of Islamic legal literature, fatwas from the DSN-MUI, and the practices of Islamic financial institutions in Indonesia. The findings indicate that the principles of contract clarity, risk-sharing, and Shariah supervision are important instruments for ethical and sustainable Shariah risk management
Co-Authors Nurmiana