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All Journal JURNAL ILMIAH GEMA PERENCANA
Widya Wahyu Utami
Borobudur University Jakarta
Religion Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education

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Analisis Yuridis Pendirian Bank Syariah dari Hasil Usaha Berbunga Bank Konvensional Widya Wahyu Utami; Muhamad Rizki; Faisal Santiago
JURNAL ILMIAH GEMA PERENCANA Vol 4 No 3 (2026): Jurnal Ilmiah Gema Perencana
Publisher : POKJANAS Bekerja Sama Biro Perencanaan dan Penganggaran, Sekretariat Jenderal Kementerian Agama RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61860/jigp.v4i3.339

Abstract

The development of Islamic banking in Indonesia through spin-off mechanisms from conventional banks raises juridical-philosophical issues related to the legality and legitimacy of initial capital sources derived from interest-bearing (riba) businesses. This study aims to comprehensively analyze the establishment of Islamic banks sourced from the interest-bearing profits of conventional banks from the perspective of Indonesian positive law and Islamic law. As comprehensive qualitative research, this study employs a normative juridical method with statutory and conceptual approaches. The results show that from a formal-juridical perspective, the establishment of Islamic banks through spin-offs is permitted by national banking regulations, specifically Law No. 21 of 2008, which places greater emphasis on fulfilling capital and institutional aspects. However, substantively, Islamic law requires a process of separation and purification of assets (tathhir al-mal) to cleanse capital from elements of riba. Without this mechanism, the Islamic legitimacy of the bank becomes fragile, even if its formal legality is met. This study confirms that substantive sharia compliance, which includes the purity of capital sources, is a fundamental prerequisite for maintaining the integrity and public trust in the sharia banking industry in Indonesia.
Rekonseptualisasi Status Korban pada Pernyataan Dampak Korban di Indonesia Muhamad Rizki; Widya Wahyu Utami; Muhammad Soffa Marwa; Muhammad Abdurohman Sholih; Faisal Santiago
JURNAL ILMIAH GEMA PERENCANA Vol 4 No 3 (2026): Jurnal Ilmiah Gema Perencana
Publisher : POKJANAS Bekerja Sama Biro Perencanaan dan Penganggaran, Sekretariat Jenderal Kementerian Agama RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61860/jigp.v4i3.342

Abstract

The Indonesian criminal justice system remains predominantly offender-centric, systematically marginalizing victims by reducing them to mere witnesses and neglecting their profound physical, emotional, and social harm. This structural imbalance contradicts constitutional guarantees of fair legal certainty and perpetuates secondary victimization. Grounded in normative legal research employing conceptual and statutory approaches, this study analyzes the 1945 Constitution, the Criminal Procedure Code (KUHP), and recent reforms like Law No. 12 of 2022 on Sexual Violence. It synthesizes victimological theory and comparative jurisprudence to argue for the adoption of the Victim Impact Statement (VIS) as a transformative mechanism. The findings reveal that VIS can bridge the gap between victims' subjective experiences and legal recognition, functioning as both a therapeutic tool for victim healing and an informational aid for proportionate sentencing within a restorative justice framework. However, successful implementation requires navigating challenges of judicial bias, equitable access, and defendant rights protection. The study concludes that reconceptualizing victim status from passive object to active participant is imperative. It recommends formal integration of VIS into the KUHP, supported by comprehensive judicial guidelines, institutional capacity building for the Witness and Victim Protection Agency (LPSK), and public awareness campaigns to foster a victim-centered paradigm that aligns with restorative justice principles and enhances systemic legitimacy.
Co-Authors Faisal Santiago Muhamad Rizki Muhammad Abdurohman Sholih Muhammad Soffa Marwa