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All Journal Jurnal Ekonomi Islam Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) Jurnal Ekonomi Islam
In'amullah, Muhammad
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Penyelesaian Sengketa Pembiayaan Bermasalah di Bank Syariah dan Fintech, Perbandingan Perspektif Hukum dan Ekonomi Lestari, Nur Melinda; Kandani, Syifa Aulia; In'amullah, Muhammad; Ali, Ahmad
Jurnal Ilmu Hukum, Humaniora dan Politik Vol. 5 No. 4 (2025): (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.v5i4.4577

Abstract

Peminjaman uang melalui lembaga keuangan Bank syariah maupun fintech menjadi kebutuhan masyarakat saat ini, namun kedua Lembaga keuangan tersebut mempunyai karakterisiktik proses, Analisa kredit, dan penyelesaian sengketa yang berbeda namun pinjaman yang akan diberikan oleh lembaga keuangan tentunya tidak terlepas kaitannya dengan risiko kredit atau dalam bank syariah pembiaayaan yang bermasalah bahkan macet. Kasus pembiayaan bermasalah tentunya sangat memerlukan tindakan penyelesaian agar mencegah hal-hal yang dapat merugikan pihak lembaga keuangan maupun nasabah. Tujuan dari penelitian ini, yaitu untuk menganalisa penyelesaian sengketa kredit/pembiayaan bermasalah di Bank syariah dan Fintech. Mengetahui bagaimana perlindungan kepada konsumen yang di lakukan Bank syariah dan Fintech. Teknik pengumpulan data yang digunakan berupa wawancara mendalam, dokumentasi, dan studi pustaka, metode analisis data menggunakan metode deskriptif (kualitatif) grounded research dengan pendekatan hukum dan ekonomi. Hasil penelitian menunjukan bahwa prosedur dalam penyelesaian sengketa pembiayaan bermasalah antara lain dengan pendekatan pesuasif, restrutrukturisasi, negoisasi, dan menagih hutang kepada ahli waris, tahap eksternal melalui debt collector.
COMPARISON OF LEGAL PERSPECTIVES OF DIGITAL FINANCING AGREEMENTS BASED ON ISLAMIC CONTRACT LAW AND AGREEMENT LAW IN THE INDONESIAN CIVIL CODE Lestari, Nur Melinda; In'amullah, Muhammad
Ekonomi Islam Vol. 16 No. 2 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i2.20833

Abstract

Research Aims: The purpose of this study is to analyze the legal framework required to regulate the implementation of financial technology (fintech), particularly peer-to-peer lending platforms, in order to protect the public from illegal digital financing practices. This study highlights the importance of aligning positive law especially contract law under the Civil Code with Islamic contract law principles, given that many existing digital financing practices minimally apply sharia values. Design/Methodology/Approach: This research employs a legal normative approach using a conceptual framework and statutory analysis. It examines the coexistence of state law and Islamic law within society to provide a comprehensive understanding of regulatory needs in sharia-based digital financing. Research Findings: The study finds that there are fundamental differences in the concept of lawful cause between conventional and sharia contracts. In conventional contracts, legal validity is determined by whether the agreement does not violate the law, morality, or public order. In contrast, sharia contracts must additionally ensure conformity with Islamic legal sources (the Qur’an and Sunnah). This difference underscores the need for a regulatory framework that accommodates both legal systems in digital financing platforms. Theoretical Contribution/Originality: This study contributes to the academic discourse by linking contract law theory with fintech practices, offering a deeper understanding of how dual legal systems state law and Islamic law can coexist in regulating digital financing. It expands the literature on sharia-compliant fintech governance and emphasizes the necessity of legal harmonization in the growing digital financial ecosystem. Practitioners/Policy Implications: The study highlights the necessity for the state to establish clear and integrated regulatory standards that ensure both legal and sharia compliance in digital financing. Strengthening supervision, certification, and compliance mechanisms is essential to prevent illegal fintech operations and protect consumers. Research Limitations/Implications: The research is conceptual and normative in nature, relying on legal analysis rather than empirical field data. Further empirical studies are encouraged to evaluate the implementation effectiveness of integrated sharia and conventional legal frameworks in fintech operations.
COMPARISON OF LEGAL PERSPECTIVES OF DIGITAL FINANCING AGREEMENTS BASED ON ISLAMIC CONTRACT LAW AND AGREEMENT LAW IN THE INDONESIAN CIVIL CODE Lestari, Nur Melinda; In'amullah, Muhammad
Ekonomi Islam Vol. 16 No. 2 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i2.20833

Abstract

Research Aims: The purpose of this study is to analyze the legal framework required to regulate the implementation of financial technology (fintech), particularly peer-to-peer lending platforms, in order to protect the public from illegal digital financing practices. This study highlights the importance of aligning positive law especially contract law under the Civil Code with Islamic contract law principles, given that many existing digital financing practices minimally apply sharia values. Design/Methodology/Approach: This research employs a legal normative approach using a conceptual framework and statutory analysis. It examines the coexistence of state law and Islamic law within society to provide a comprehensive understanding of regulatory needs in sharia-based digital financing. Research Findings: The study finds that there are fundamental differences in the concept of lawful cause between conventional and sharia contracts. In conventional contracts, legal validity is determined by whether the agreement does not violate the law, morality, or public order. In contrast, sharia contracts must additionally ensure conformity with Islamic legal sources (the Qur’an and Sunnah). This difference underscores the need for a regulatory framework that accommodates both legal systems in digital financing platforms. Theoretical Contribution/Originality: This study contributes to the academic discourse by linking contract law theory with fintech practices, offering a deeper understanding of how dual legal systems state law and Islamic law can coexist in regulating digital financing. It expands the literature on sharia-compliant fintech governance and emphasizes the necessity of legal harmonization in the growing digital financial ecosystem. Practitioners/Policy Implications: The study highlights the necessity for the state to establish clear and integrated regulatory standards that ensure both legal and sharia compliance in digital financing. Strengthening supervision, certification, and compliance mechanisms is essential to prevent illegal fintech operations and protect consumers. Research Limitations/Implications: The research is conceptual and normative in nature, relying on legal analysis rather than empirical field data. Further empirical studies are encouraged to evaluate the implementation effectiveness of integrated sharia and conventional legal frameworks in fintech operations.
Co-Authors Ahmad Ali Kandani, Syifa Aulia Lestari, Nur Melinda