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Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah
Published by Universitas Islam Negeri Alauddin Makassar
ISSN : -     EISSN : 27146197     DOI : https://doi.org/10.24252/iqtishaduna.v3i1.21877
Core Subject : Economy, Social,
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice
IQTISHADUNA: JURNAL ILMIAH MAHASISWA HUKUM EKONOMI SYARIAH, FAKULTAS SYARIAH DAN HUKUM IS TO PROVIDE A VENUE FOR ACADEMICIANS, RESEARCHERS, AND PRACTITIONERS FOR PUBLISHING THE ORIGINAL RESEARCH ARTICLES OR REVIEW ARTICLES. THE SCOPE OF THE ARTICLES PUBLISHED IN THIS JOURNAL DEALS WITH A BROAD RANGE OF TOPICS IN THE FIELDS: ECONOMIC LAW SHARIA ECONOMIC LAW / ISLAMIC ECONOMIC LAW ECONOMIC CRIMINAL LAW ECONOMIC CIVIL LAW INTERNATIONAL ECONOMIC LAW
Arjuna Subject : Ilmu Sosial - Hukum
Articles 395 Documents
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EKONOMI IBU RUMAH TANGGA PERSPEKTIF HUKUM EKONOMI SYARIAH (Analisis Peran Ibu Rumah Tangga Sebagai Cleaning service Fakultas Syariah dan Hukum UIN Alauddin Makassar) M. Thahir Maloko; Abdullah Azzam; Asbar
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 1 (2024): Volume 6 Nomor 1 Oktober 2024
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.51574

Abstract

Abstrak Permasalahan yang sering terjadi seiring perkembangan zaman adalah semakin meningkatnya kebutuhan hidup sehari-hari bari secara individual maupun keluarga. Hal ini menyebabkan banyaknya Perempuan yang bekerja sebagai ibu rumah tangga dan merangkap sebagai tulang punggung untuk mencukupi kebutuhan sehari-hari keluarganya. Penelitian ini merupakan penelitian lapangan (field research) yang menggunakan pendekatan normatif dan syariah. Adapun sumber data yang digunakan adalah sumber data primer bersumber dari al-Qur’an, hadis, dan informan dari ibu rumah tangga yang bekerja sebagai cleaning service dan data sekunder yang diperoleh dari buku, jurnal, dan bacaan terkait. Hasil penelitian menunjukkan bahwa. Ibu rumah tangga bekerja sebagai cleaning service untuk mencari penghasilan agar dapat membiayai keluarganya. Terdapat ibu rumah tangga yang harus bekerja bagaikan tulang punggung keluarga karena suaminya telah meninggal dan terdapat juga ibu rumah tangga yang bekerja karena penghasilan suaminya kurang untuk membiayai kebutuhan rumah tangga. Kemudian terkait perspektif Hukum Ekonomi Syariah terhadap ibu rumah tangga yang bekerja sebagai cleaning service telah sesuai dengan hukum ekonomi syariah karena dengan tujuan untuk membantu dan meningkatkan ekonomi dalam keluarga seperti kebutuhan rumah dan pendidikan anak. Kata Kunci: Hukum Ekonomi Syariah, Ibu Rumah Tangga, Cleaning service Abstract Problems that often occur along with the development of the era are the increasing needs of daily life for individuals and families. This causes many women to work as housewives and also serve as the backbone to meet the daily needs of their families. This study is a field research (field research) that uses a normative and sharia approach. The data sources used are primary data sources from the Qur'an, hadith, and informants from housewives who work as cleaning services and secondary data obtained from books, journals, and related readings. The results of the study show that. Housewives work as cleaning services to earn income to support their families. There are housewives who have to work as the backbone of the family because their husbands have died and there are also housewives who work because their husbands' income is not enough to finance household needs. Then the perspective related to Sharia Economic Law on housewives who work as cleaning services is in accordance with sharia economic law because it aims to help and improve the economy in the family such as household needs and children's education. Keywords: Sharia Economic Law, Housewives, Cleaning service
TINJAUAN HUKUM ISLAM TERHADAP PRAKTIK JUAL BELI MENGGUNAKAN FITUR SHOPEE PAYLATER (STUDI KASUS PADA MAHASISWA IAI AL AZIS FAKULTAS SYARIAH ANGKATAN 2017-2022) Luthfi Al Aqidatu Khoirun; Irvan Iswandi; Alfi Satria
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 1 (2024): Volume 6 Nomor 1 Oktober 2024
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.51717

Abstract

Abstrak Penelitian ini membahas praktik jual beli menggunakan fitur Shopee PayLater dari perspektif hukum Islam, dengan fokus pada mahasiswa Fakultas Syariah IAI AL-AZIS. Perkembangan teknologi finansial telah menghadirkan fitur "PayLater" yang populer di kalangan mahasiswa, termasuk Shopee PayLater, yang memungkinkan pembayaran tertunda. Meskipun memudahkan, fitur ini menimbulkan kekhawatiran dalam perspektif hukum Islam, terutama terkait riba dan gharar. Penelitian ini bertujuan untuk (1) menggambarkan praktik penggunaan Shopee PayLater oleh mahasiswa Fakultas Syariah dan tantangan yang dihadapi, serta (2) meninjau kesesuaiannya dengan prinsip syariah. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus, data diperoleh melalui wawancara dan observasi terhadap mahasiswa yang menggunakan Shopee PayLater. Hasil penelitian menunjukkan mayoritas mahasiswa menggunakan fitur ini untuk memenuhi kebutuhan sehari-hari dengan memilih opsi cicilan, namun menghadapi tantangan seperti manajemen utang dan keterlambatan pembayaran. Dalam hukum Islam, ditemukan bahwa penggunaan Shopee PayLater mengandung ketidaksesuaian, terutama terkait dengan adanya riba, gharar, penambahan atas utang pokok, dan denda keterlambatan, yang bertentangan dengan prinsip-prinsip hukum Islam. Penelitian ini menekankan pentingnya pemahaman lebih mendalam tentang transaksi berbasis kredit dalam e-commerce agar sesuai dengan syariah. Kata Kunci: Hukum Islam, Jual Beli, Mahasiswa Syariah, Shopee Paylater. Abstract This research discusses the practice of buying and selling using the Shopee PayLater feature from the perspective of Islamic law, focusing on the Sharia Faculty students of IAI AL-AZIS. The development of financial technology has introduced the "PayLater" feature, which is popular among students, including Shopee PayLater, allowing deferred payments. Although convenient, this feature raises concerns from an Islamic law perspective, especially regarding riba and gharar. This study aims to (1) describe the practice of using Shopee PayLater by Sharia Faculty students and the challenges they face, and (2) review its compliance with Sharia principles. This research uses a qualitative method with a case study approach, collecting data through interviews and observations of students who use Shopee PayLater. The findings show that the majority of students use this feature to meet daily needs by opting for installment plans, but they face challenges such as debt management and payment delays. In Islamic law, it is found that the use of Shopee PayLater contains inconsistencies, particularly related to riba, gharar, additional debt charges, and late payment fees, which are contrary to Islamic legal principles. This study emphasizes the importance of a deeper understanding of credit-based transactions in e-commerce to ensure Sharia compliance. Keywords: Islamic Law, Buying and Selling, Sharia Students, Shopee Paylater.
IMPLEMENTASI PENGELOLAAN DANA ZAKAT DI KABUPATEN LUWU Ashar Sinilele; Nur Afni Alim; Auliah Puspita Sari
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 1 (2024): Volume 6 Nomor 1 Oktober 2024
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.51730

Abstract

Abstrak Zakat adalah ibadah ma’liah ijtima’iyyah yang memiliki posisi yang strategis dan menentukan bagi pembangunan kesejahteraan umat. Zakat tidak hanya berfungsi sebagai suatu ibadah yang bersifat vertikal kepada Allah (habluminallah). Dalam pengelolaan zakat di Baznas mencakup dalam 3 hal yaitu pengumpulan, pendistribusian dan pendayagunaan. Dimana dalam pelaksanaan zakat yang dilakukan Baznas Luwu mengikuti aturan perundang-undangan terkait Baznas yang berlaku diseluruh wilayah indonesia, dan kami melaksanakan beberapa program zakat seperti Zmart, Zfoto (Bengkel), dan Zkopi. Program Zmart bertujuan untuk mendorong ekonomi masyarakat muslim dengan memberikan dana zakat kepada mereka yang sudah punya usaha, sehingga mereka dapat mengembangkan bisnis mereka sendiri. Pendistribusian zakat produktif, BAZNAS kabupaten Luwu harus menunjukkan integritas dan kejujuran dalam setiap tindakannya. Hal ini penting karena berdasarkan kejujuran dan kebenaran, BAZNAS kabupaten Luwu tetap bertahan dan mendapatkan kepercayaan dari mitra-mitranya hingga sekarang. Kata Kunci : Baznas, Pengelolaan Dana, Zakat. Abstract Zakat is a ma'liah ijtima'iyyah worship that has a strategic and decisive position for the development of the welfare of the people. Zakat does not only function as a vertical worship to Allah (habluminallah). In the management of zakat at Baznas, it includes 3 things, namely collection, distribution and utilization. Where in the implementation of zakat carried out by Baznas Luwu, it follows the laws and regulations related to Baznas that apply throughout Indonesia, and we implement several zakat programs such as Zmart, Zfoto (Bengkel), and Zkopi. The Zmart program aims to encourage the economy of the Muslim community by providing zakat funds to those who already have businesses, so that they can develop their own businesses. Distribution of productive zakat, BAZNAS Luwu Regency must demonstrate integrity and honesty in every action. This is important because based on honesty and truth, BAZNAS Luwu Regency has survived and gained the trust of its partners until now. Keywords: Baznas, Fund Management, Zakat.
DAMPAK HUKUM PENGABULAN PERMOHONAN PKPU DITINJAU DARI UU NOMOR 37 TAHUN 2003 TENTANG KEPAILITAN DAN PENUNDAAN KEWAJIBAN PEMBAYARAN UTANG (Studi Kasus: PKPU PT. Rekayasa Industri) Herlambang, Embang; Anshari, Teuku Syahrul
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 2 (2025): Januari
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.52055

Abstract

Abstrak Dalam kasus yang melibatkan anak perusahaan PT Pupuk Indonesia (Persero), yaitu PT Rekayasa Industri (Rekind), perusahaan berhasil mencapai kesepakatan perdamaian (homologasi) dengan para kreditornya melalui mekanisme PKPU. Proses restrukturisasi ini memperoleh dukungan dari mayoritas kreditor, di mana 100 persen kreditor separatis dan 98,99 persen kreditor konkuren menyetujui kesepakatan tersebut. Penelitian ini menggunakan pendekatan yuridis normatif dengan metode kualitatif, berfokus pada analisis norma-norma hukum dalam UU Kepailitan dan PKPU serta penerapannya dalam kasus konkret PKPU PT Rekayasa Industri. Persetujuan PKPU menciptakan forum legal yang terstruktur untuk penyelesaian utang-piutang, memfasilitasi negosiasi antara debitor dan kreditor di bawah pengawasan pengadilan, yang pada akhirnya meningkatkan efektivitas dan efisiensi penyelesaian permasalahan finansial perusahaan. Perjanjian perdamaian yang disahkan ini memberikan kerangka hukum yang jelas bagi PT Rekind dalam memenuhi kewajibannya kepada kreditor. Sesuai Pasal 286, jika PT Rekind lalai melaksanakan perjanjian perdamaian, para kreditor dapat mengajukan pembatalan perjanjian tersebut, yang berfungsi sebagai mekanisme kontrol untuk memastikan komitmen PT Rekind tetap terlaksana. Kata Kunci: Perdamaian, Dampak, Pembayaran, Utang.   Abstract In a case involving a subsidiary of PT Pupuk Indonesia (Persero), PT Rekayasa Industri (Rekind) successfully reached a peace agreement (homologation) with its creditors through the Suspension of Debt Payment Obligations (PKPU) mechanism. This restructuring process received support from the majority of creditors, with 100 percent of secured creditors and 98.99 percent of concurrent creditors agreeing to the settlement. This research employs a normative juridical approach with a qualitative method, focusing on analyzing the legal norms within Law No. 37 of 2003 on Bankruptcy and PKPU and their application in the concrete case of PT Rekayasa Industri’s PKPU. The approval of the PKPU establishes a structured legal forum for debt resolution, facilitating negotiations between debtors and creditors under court supervision, thereby enhancing the effectiveness and efficiency of corporate financial problem-solving. The ratified peace agreement provides a clear legal framework for PT Rekind to fulfill its obligations to creditors. In accordance with Article 286, if PT Rekind fails to adhere to the terms of the peace agreement, creditors may request the annulment of the agreement, serving as a control mechanism to ensure that PT Rekind fulfills its commitments. Keywords: Peace, Impact, Payment, Debt.
TEORI PERMINTAAN DAN PENAWARAN SECARA KONVENSIONAL DAN ISLAM BESERTA KURVANYA Kisman; Idris Parakkasi; Sudirman
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 1 (2024): Volume 6 Nomor 1 Oktober 2024
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.52130

Abstract

Abstrak Artikel ini menganalisis mengenai teori permintaam dan penawaran secara konvensional dan islam. Penelitian ini menggunakan evaluasi mendalam melalui metode pengumpulan data sekunder, termasuk penelitian pustaka dan pencarian internet. Data diperoleh dari jurnal dan artikel yang berfokus pada Permintaan dan Penawaran Secara Konvensional dan Islam. Hasil penelitian menunjukkan bahwa Permintaan dan Penawaran Secara Konvensional dan Islam relatif sama. Permintaan dan penawaran konvensional lebih didominasi oleh nilai-nilai kepuasan (interest) atau tidak mempertimbangkan aturan-aturan seperti tujuan dikonsumsi, manfaat dan kegunaan barang/jasa tersebut, sedangkan islam mempertimbangkan hal tersebut. Konvensional menilai bahwa egoisme merupakan nilai yang konsisten dalam mempengaruhi seluruh aktivitas manusia dalam barang/jasa, sedangkan islam menilai bahwa suatu komoditi tidak semuanya bisa untuk dikonsumsi atau digunakan, yang dibedakan hanyalah antara yang halal dan haram yaitu batasan-batasan untuk berperilaku ekonomi islam yang sesuai dengan syariah (Al Qur’an dan As-Sunnah) Kata Kunci : Permintaan, Penawaran, Kurva   Abstrack This article analyzes the conventional and Islamic theory of demand and supply. This research uses in-depth evaluation through secondary data collection methods, including library research and internet searches. Data obtained from journals and articles that focus on Conventional and Islamic Demand and Supply. The research results show that Conventional and Islamic Demand and Supply are relatively the same. Conventional demand and supply is dominated by satisfaction values ​​(interest) or does not take into account rules such as the purpose of consumption, benefits and uses of the goods/services, whereas Islam considers this. Conventionalism considers that egoism is a consistent value in influencing all human activities in goods/services, while Islam considers that not all commodities can be consumed or used, the only difference is between what is halal and haram or the limits for appropriate Islamic economic behavior. with sharia (Al Qur'an and As-Sunnah) Keywords: Demand, Supply, Curve
RESOLUTION OF SHARIA ECONOMIC DISPUTES BY CERTIFIED JUDGES BASED ON SUPREME COURT REGULATION NUMBER 5 OF 2016 CONCERNING CERTIFICATION OF SHARIA ECONOMIC JUDGES AT THE SUNGGUMINASA CLASS 1B RELIGIOUS COURT Muh. Syahril A; Muhammadiyah Amin; Sippah Chotban
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 2 (2025): Januari
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.52184

Abstract

Abstract The subject matter of this research is how the settlement of sharia economic disputes by certified judges based on PERMA Number 5 of 2016 concerning Certification of Sharia Economic Judges at the Sungguminasa Class 1B Religious Court. The sub-problems are: 1) How is the process of resolving sharia economic disputes at the Sungguminasa Class 1B Religious Court? 2) How is the competence of the judge of the Sungguminasa Class 1B Religious Court in resolving sharia economic disputes based on PERMA Number 5 of 2016 concerning Certification of Sharia Economic Judges? This type of research is descriptive qualitative field research with a juridical-empirical approach with a research location at the Sungguminasa Class 1B Religious Court. Data collection techniques in this research are interviews and documentation which are then processed through data reduction, data exposure, and conclusions. The results showed that the settlement of sharia economic disputes carried out by the Sungguminasa Class 1B Religious Court was in accordance with PERMA Number 5 of 2016. The PERMA states that sharia economic disputes must be handled by a panel of judges whose head of the panel or one of its members has sharia economic judge certification. In addition, the handling of sharia economic disputes at the Sungguminasa Religious Court is quite effective because the number of judges who have certified sharia economic judges is 2 judges, and 6 out of 7 decisions have been well received by each party to the dispute. This means that the decision has fulfilled the elements of an ideal decision, namely justice, legal certainty, and expediency. The implications of this research are: 1) All legal apparatus, especially judges of the Sungguminasa Religious Court, both those who have and those who have not been certified as sharia economic judges, should participate more in education and training on sharia economic disputes in order to be able to resolve sharia economic disputes better. 2) The Supreme Court as an institution that formulates PERMA Number 5 of 2016 should increase the budget allocation so that the implementation of sharia economic judge certification in the Religious Courts can be more effective. 3) The public in general is expected to increase trust in the Religious Court institution because the judges are ready to accept and face sharia economic disputes. Keywords: Religious Court, Sharia Economic Disputes, Sharia Economic Judge Certification
REVIEW OF SHARIA ECONOMIC LAW ON THE SALE AND PURCHASE OF PROPERTY AT PT INTAN NIRWANA NUSANTARA HOUSING GOLDEN VIEW IN MAKASSAR CITY Muhammad Ma'ruf Syafruddin; M. Thahir Maloko; Suriyadi
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 2 (2025): Januari
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.52207

Abstract

Abstract The labeling of Sharia in a business today is due to the popularity of the term sharia which is free from usury. However, from this, there are still many problems, especially for businesses that only label their business as sharia but in reality do not implement it in accordance with Islamic law. This research is field research which is very close to qualitative research which uses Sharia Economic Law and empirical approaches. The data sources used are primary data sources sourced from the Al-Qur'an, Hadith, Sharia Economic Law Compilation and interviews from PT Intan Nirwana Nusantara Golden View Inn Housing, and secondary data obtained from archive books of property purchases at Golden View Inn Housing. . The research results show that the form of contract implemented by Golden View Inn is the Ishtishna' contract or order which in its implementation is in accordance with the provisions of Sharia Economic Law. Then, regarding the settlement of stalled installments, it is also in accordance with Islamic principles because a deliberation was held to discuss it in good faith first. The implications of this research relate to improving the SPPJB regarding disputes to include the court to be addressed if the good faith process does not run properly. Keywords: Bad Installments, Sharia Economic Law, Istishna.
PENYELESAIAN KASUS PENCEMARAN LIMBAH TAMBAK UDANG DALAM MEWUJUDKAN KEBERLANJUTAN PEREKONOMIAN DAN KESEHATAN MASYARAKAT (STUDI DESA BORONG TALA KABUPATEN JENEPONTO) Darmawan, Ade; Abd. Rais Asmar; ST Nurjannah; Mursil Akhsam
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 2 (2025): Januari
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.52408

Abstract

Abstrak Pencemaran lingkungan di Desa Borong Tala Kabupaten Jeneponto akibat dari aktivitas industri tambak udang merupakan fenomena yang sistemik terjadi di hampir banyak industri di Indonesia. Hal ini berdampak pada kerugian masyarak baik secara ekonomi maupun kesehatan sehingga merugikan hak masyarakat. Penelitian ini adalah penelitian lapangan dengan pendekatan kasus. Dari penelitian menunjukkan bahwa limbah dari industri tambak udang menyebabkan iritasi kulit dan penyakit lainnya karena mengandung zak ammonia dan menyebabkan hilangnya mata pencaharian masyarakat berupa budi daya rumput laut. Oleh karena itu, diperlukan penyelesaian kasus dan langkah-langkah konkrit seperti dukungan pemerintah untuk mengadvokasi kasus, penggunaan teknologi ramah lingkungan, dan pemulihan dampak ekonomi masyarakat. Pada akhirnya, penegakan maupun tindakan hukum harus diberikan kepada industri yang telah mencemari lingkungan. Kata Kunci: Pencemaran lingkungan, keberlanjutan ekonomi, kesehatan. Abstract Environmental pollution in Borong Tala Village, Jeneponto regency as a result of shrimp farming industrial activities is a systemic phenomenon that occurs in almost many industries in Indonesia. This has an impact on the community’s losses both economically and health, thereby harming people’s rights. This research shows that waste from the shrimp farming industry causes skin irritation and other diseases because it contains ammonia and causes the loss of people livehoods in the form of seaweed cultivation. Therefore, it is necessary to resolve cases and take concrete steps such as government support to advocate fos cases, use of environmentally friendly technology, and restore economic impacts on society. In the end, enforcement and legal action must be taken against industries that have polluted the environment. Keywords: Environmental pollution, economic sustainability, health.
PENYELESAIAN SENGKETA KASUS PENGGELAPAN UANG GADAI OLEH AGEN Putri Ayu Firawati; Holili
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 2 (2025): Januari
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.52663

Abstract

Abstrak Kasus sengketa dalam dekade ini sering terjadi dikalangan masyarakat dengan berbagai macam bentuk kasus yang berbeda. Salah satunya yaitu sengekta ekonomi syariah berkaitan dengan penggelapan uang gadai oleh agen yang terjadi di Desa Tampojung Tenggina. Studi ini bertujuan untuk mengetahui  rincian kasus dan resiko kerugian yang dialami korban sengketa penggelapan uang gadai mobil, motif inisial T (agen) melakukan penggelapan uang gadai mobil, serta  penyelesaian sengketa dalam kasus penggelapan uang gadai mobil. Metode yang dipergunakan pada studi ini yaitu penelitian hukum empiris atau disebut studi lapangan (field reseach) dengan pendekatan kualitatif deskriptif. Data dikumpulkan melalui wawancara, observasi serta dokumentasi. Hasil penelitian ialah: (1) kasus ini berawal dari NH dan H merupakan orang yang menerima gadai mobil, sementara inisial T menjadi perantara antara rahin dan murtahin, yang kemudian inisial T melakukan penggelapan uang gadai, sehingga NH dan H mengalami resiko kerugian materi. (2) Motif utama inisial T melakukan penggelapan uang gadai yaitu, motif ekonomi untuk konsumtif, membangun rumah dan kurangnya pengetahuan. (3) Penyelesaian sengketa kasus penggelapan uang gadai oleh agen dilakukan dengan menempuh jalur mediasi dengan bantuan mediator. Kata Kunci: Penyelesaian Sengketa, Penggelapan Uang Gadai, Agen.   Abstract Dispute cases in this decade often occur among the community with various different forms of cases. One of them is a sharia economic dispute related to embezzlement of pawn money by agents which occurred in Tampojung Tenggina Village. This study aims to determine the details of the case and the risk of loss experienced by victims of disputes over embezzlement of car pawn money, the motive for the initials T (agent) to embezzle car pawn money, as well as dispute resolution in cases of embezzlement of car pawn money. The method used in this study is empirical legal research or what is called field research with a descriptive qualitative approach. Data was collected through interviews, observation and documentation. The results of the research are: (1) this case started with NH and H being the people who received a car pawn, while the initials T became an intermediary between rahin and murtahin, who then embezzled the mortgage money, so that NH and H experienced the risk of material loss. (2) The main motive for the initials T to embezzle mortgage money is economic motives for consumption, building a house and lack of knowledge. (3) Settlement of disputes over cases of embezzlement of pawn money by agents is carried out by taking mediation with the help of a mediator. Keywords: Dispute Resolution, Pawn Money Embezzlement, Agent.
PENYELESAIAN WANPRESTASI ANTARA KELOMPOK SIMPAN PINJAM DENGAN KOORDINATOR KELOMPOK DALAM PERJANJIAN KREDIT PADA PROGRAM BUMDESMA KEC. BLUTO Nabilatul Fitriyah
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 2 (2025): Januari
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.52948

Abstract

Abstrak Program simpan pinjam BUMDesma Kec Bluto merupakan sarana yang bertujuan untuk memberdayakan ekonomi masyarakat lokal, meningkatkan usaha mikro, dan mendukung kemandirian keuangan. Hal tersebut merupakan upaya pemerintah untuk meningkatkan kesejahteraan masyarakat pedesaan. Penelitian ini bertujuan untuk mengetahui faktor penyebab terjadinya sengketa wanprestasi dalam perjanjian kredit antara kelompok simpan pinjam dengan koordinator kelompok di Desa Aengdake dan juga mekanisme penyelesaian sengketa tersebut.  Penelitian ini menggunakan penelitian hukum yuridis empiris. Sumber data primer diperoleh melalui wawancara dan observasi, sedangkan data sekunder bersumber dari kajian pustaka. Analisis data yang digunakan adalah analisis deskriptif. Adapun hasil penelitian, (1) faktor utama penyebab terjadinya sengketa wanprestasi antara kelompok simpan pinjam dengan koordinator kelompok di Desa Aengdake pada program BUMDesma Kec. Bluto adalah faktor dari sisi internal si debitur dengan berbagai alasan, seperti ekonomi kurang stabil. (2) mekanisme penyelesaian sengketa yang diterapkan oleh BUMDesma adalah dengan musyarawah antara kedua belah pihak untuk menemukan titik temu (kesepakatan). Kata Kunci: Wanprestasi, Kelompok Simpan Pinjam, Koordinator Kelompok, BUMDesma   Abstract The Bluto District BUMDesma savings and loan program is a means that aims to empower the local community's economy, increase micro-enterprises, and support financial independence. This is the government's effort to improve the welfare of rural communities. This research aims to determine the factors causing default disputes in credit agreements between savings and loan groups and group coordinators in Aengdake Village and also the mechanism for resolving these disputes.  This research uses empirical juridical legal research. Primary data sources were obtained through interviews and observations, while secondary data came from literature review. The data analysis used is descriptive analysis. As for the research results, (1) the main factors causing default disputes between savings and loan groups and group coordinators in Aengdake Village in the BUMDesma District program. Bluto is a factor from the debtor's internal side for various reasons, such as a less stable economy. (2) the dispute resolution mechanism implemented by BUMDesma is through deliberation between the two parties to find common ground (agreement). Keywords: Default; Saving and Loan Groups; Group Coordinators; BUMDesma

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