Sharia Economic Justice Review
type: channel
description: Sharia Economic Justice Review is a periodical scientific publication managed by the Pusat Studi Hukum Ekonomi Syariah UIN Syarif Hidayatullah Jakarta. Sharia Economic Justice Review focuses on the studies and research results of Sharia Economic Law, Business Ethics, Islamic Business Ethics, Sharia Economic Law Thought, Sharia Economic Contracts, and Sharia Economic Jurisprudence. Sharia Economic Justice Review is published twice in a year, the first edition appeared in June and the second edition was published in December. Sharia Economic Justice Review invites enthusiasts to the study of Islamic thought to contribute articles in accordance with scientific standards, both internal and external. Authors are invited to submit manuscripts that fall within the scope of the Sharia Economic Justice Review. Please read the information on the peer-review process. The articles published in Sharia Economic Justice Review are going through a double-blind peer-review process. Hence, the decision on whether the scientific article is accepted or not, will be the Editorial Board's right based on the peer reviewer's recommendation. Please read and understand the author's guidelines for the preparation manuscript. The author who submits a manuscript to the editors should comply with the author's guidelines and template. If the submitted manuscript does not comply with the guidelines or using a different format, it will be rejected by the editorial team before being reviewed. The editorial team will only accept a manuscript that meets the specified formatting requirements.
language: en
publication name: Sharia Economic Justice Review
items: Tinjauan Hukum Terhadap Transparansi Pemasaran Produk Asuransi Unit Link Syariah di Kantor Pemasar Prudential Life Assurance Bintaro
items: Pengaturan Hukum Transaksi Mata Uang Kripto di Indonesia (Studi Komparasi Hukum Positif dan Keputusan Fatwa MUI)
items: Efektivitas Undang-Undang Terkait Jaminan Produk Halal Terhadap Makanan dan Minuman UMKM Tidak Bersertifikat Halal (Studi Kasus Di Kecamatan Cilodong Kota Depok)
items: Unsur-Unsur Biaya Kerugian Perspektif Fatwa DSN-MUI dan Perdata Pada Sengketa Ekonomi Syariah (Studi Putusan Peradilan Agama)
items: Perlindungan Konsumen Muslim Terhadap Kolaborasi Produk Pangan Bersertifikat Halal Dengan Produk Pangan Belum Bersertifikat Halal
items: Perlindungan Konsumen Terhadap Jaminan Produk Halal Ayam Potong
items: Implementasi Zakat Penghasilan Rumah Kos Ditinjau Dalam Fatwa MUI Nomor 3 Tahun 2003 dan UU Nomor 23 Tahun 2011
items: Perlindungan Hukum Terhadap Konsumen Pengguna Shopee Paylater Yang Mengalami Kredit Macet Akibat Pandemi Covid-19
items: Kesesuaian Layanan Shopee Barokah Ditinjau dengan Fatwa DSN-MUI Tentang Marketplace Berdasarkan Prinsip Syariah
items: Tinjauan Sertifikat Halal Bagi Pelaku UMKM Makanan Cepat Saji di Kecamatan Bojongsari
items: Deposito Berjangka Sebagai Cash Collateral dalam Produk Pembiayaan di BPRS Harta Insan Karimah (HIK) Bekasi
items: Karakteristik Kode Unik Transaksi Antar Bank Aplikasi Flip dalam Tinjauan Hukum Ekonomi Syariah

Tinjauan Hukum Terhadap Transparansi Pemasaran Produk Asuransi Unit Link Syariah di Kantor Pemasar Prudential Life Assurance Bintaro
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description: This study aims to analyze the implementation of marketing sharia unit-linked insurance products at the Prudential Life Assurance Bintaro Marketing Office, particularly regarding the transparency of information provided by agents to prospective customers about the costs associated with these products, as well as their compliance with applicable regulations such as laws, POJK, SEOJK, and DSN-MUI fatwas. The research method used is normative-empirical with a statute approach and case study. Data collection techniques were carried out through interviews with agents and studies of relevant documents. The results of the study show that the marketing practices of sharia unit-linked products carried out by Prudential Life Assurance Bintaro agents have generally been in accordance with applicable regulations. Agents are considered to have conveyed information correctly, honestly, and transparently to prospective customers. However, it was found that information regarding the amount of acquisition costs was not always explained to all prospective customers, but only to certain customers. Nevertheless, normatively, these marketing practices comply with the provisions of the Law, POJK, SEOJK, and DSN-MUI Fatwa, which require agents to provide information that is not misleading. Therefore, prospective customers are still required to be more critical and thorough in understanding the provisions of sharia unit-linked products before deciding to purchase them. Abstrak Penelitian ini bertujuan untuk menganalisis implementasi pemasaran produk asuransi unit link syariah di Kantor Pemasar Prudential Life Assurance Bintaro, khususnya terkait transparansi penyampaian informasi oleh agen kepada calon nasabah mengenai biaya-biaya yang terdapat dalam produk tersebut, serta kesesuaiannya dengan peraturan yang berlaku seperti Undang-Undang, POJK, SEOJK, dan Fatwa DSN-MUI. Metode penelitian yang digunakan adalah normatif-empiris dengan pendekatan perundang-undangan (statute approach) dan stud…
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creator: Nila Fadhilah
rights: Copyright (c) 2026 Nila Fadhilah (Author) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-06-24
publication date: 2026-06-24
doi: 10.15408/m33rw443

Pengaturan Hukum Transaksi Mata Uang Kripto di Indonesia (Studi Komparasi Hukum Positif dan Keputusan Fatwa MUI)
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description: The purpose of this study is to find out how the legal regulation of cryptocurrency transactions in Indonesia both from a positive legal side with the scope of Law Number 7 of 2011 on Currency and the view of Sharia Economic Law from the MUI Fatwa decision on cryptocurrency. This research uses a type of qualitative research with descriptive analysis, using library research methods, sourced from books, the Qur'an and Hadith, journals, legal research results and various official documents in the form of laws and regulations, and various literature related to this research. The results of this study using cryptocurrency include illegal and even haram acts because it contradicts Law Number 7 of 2011 concerning Currency. As a commodity/asset, it is not legal to conduct cryptocurrency transactions if it contains gharar, dharar, qimar and does not qualify as sil'ah. If the cryptocurrency qualifies as sil'ah and has underlying and benefits, it is legal to make transactions. Abstrak Tujuan penelitian ini untuk mengetahui bagaimana pengaturan hukum terhadap transaksi cryptocurrency yang ada di Indonesia baik dari sisi hukum positif dengan ruang lingkup Undang-Undang Nomor 7 Tahun 2011 tentang Mata Uang serta pandangan Hukum Ekonomi Syariah dari keputusan Fatwa MUI mengenai cryptocurrency. Penelitian ini menggunakan jenis penelitian kualitatif dengan analisis deskriptif, dengan menggunakan metode kepustakaan (library research), yang bersumber dari buku, Al-Qur’an dan Hadits, jurnal, hasil penelitian hukum serta berbagai dokumen resmi yang berupa peraturan perundang-undangan, dan berbagai literatur yang berhubungan dengan penelitian ini. Hasil penelitian ini menggunakan cryptocurrency termasuk perbuatan ilegal bahkan haram karena bertentangan dengan Undang-Undang Nomor 7 Tahun 2011 tentang Mata Uang. Sebagai komoditas/aset tidak sah melakukan transaksi cryptocurrency apabila di dalamnya terdapat gharar, dharar, qimar dan tidak memenuhi syarat sebagai sil’ah. Apabila cryptocurre…
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creator: Firmansyah
creator: Ahmad Chairul Hadi
rights: Copyright (c) 2026 Firmansyah, Ahmad Chairul Hadi (Author) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-06-24
publication date: 2026-06-24
doi: 10.15408/vs7hdd27

Efektivitas Undang-Undang Terkait Jaminan Produk Halal Terhadap Makanan dan Minuman UMKM Tidak Bersertifikat Halal (Studi Kasus Di Kecamatan Cilodong Kota Depok)
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description: This study aims to explain how the effectiveness of the Law related to Halal Product Assurance for UMKM food and beverages is not halal-certified in Cilodong District, Depok City and the factors that cause most UMKM in Cilodong District, Depok City do not have halal certificates. This research uses a qualitative research type with a normative-empirical approach method which aims to discuss the application of the Law related to Halal product Assurance whether it has been effectively implemented or not by UMKM in Cilodong District, Depok City. The results of this study indicate that he effectiveness of laws related to halal product guarantees, namely Law Number 33 of 2014 concering guarantees for Halal Products and Law Number 6 of 2023 concering Job Creation for UMKM food and beverages in Cilodong District, Depok City, has not been fully effective even though there has been a program for making free halal certificates from the Depok City Government. Ass well as this study found several factors causing UMKM actors not to have halal certificates from the Depok City Government. As well as this study found everal factors causing UMKM actors not to have halal certificates, namely of their products, lack of knowledge and understanding of business actors regarding halal certificates, there is no willingness from business actors to apply for making halal certification, business actors assume that registering halal certification is difficult Abstrak Studi ini bertujuan untuk menjelaskan bagaimanakah efektivitas Undang-Undang terkait Jaminan Produk Halal terhadap makanan dan minuman UMKM tidak bersertifikat halal di Kecamatan Cilodong Kota Depok dan faktor-faktor penyebab sebagian besar UMKM di Kecamatan Cilodong Kota Depok tidak memiliki sertifikat halal. Penelitian ini menggunakan jenis penelitian kualitatif dengan metode pendekatan normatif-empiris yang bertujuan untuk membahas mengenai penerapan Undang-Undang terkaitJaminan Produk Halal apakah sudah efektif dilaksanakan ata…
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creator: Anggi Nadia Cahyani
creator: Abdurrauf
rights: Copyright (c) 2026 Anggi Nadia Cahyani, Abdurrauf (Author) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-06-24
publication date: 2026-06-24
doi: 10.15408/nhqbhn11

Unsur-Unsur Biaya Kerugian Perspektif Fatwa DSN-MUI dan Perdata Pada Sengketa Ekonomi Syariah (Studi Putusan Peradilan Agama)
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description: This study aims to determine the elements that are components of claims for damages in sharia economic disputes in the DSN MUI Fatwa and Civil Law and to analyze the conformity of religious court decisions regarding claims for compensation with DSN MUI Fatwa and or civil law. Based on the results of the research conducted, it shows that as a whole, the decisions of the religious courts under study place more emphasis on the element of loss from a civil perspective, where the real losses in question consist of principal obligations in the form of principal debts and margins which are supplemented by evidence by the Plaintiff and real losses resulting from default. The implementation of the DSN MUI Fatwa regarding the element of real loss due to default in the religious court environment has not been carried out evenly, this is evident from the 5 decisions, only 2 decisions have based on the element of loss from a fatwa perspective. In 3 other decisions, the judges did not base their legal considerations on the DSN MUI Fatwa Abstrak Penelitian ini bertujuan untuk mengetahui unsur-unsur yang menjadi komponen tuntutan kerugian pada sengketa ekonomi syariah di dalam Fatwa DSN MUI dan Hukum Perdata dan untuk menganalisis kesesuaian putusan-putusan pengadilan agama terkait tuntutan ganti rugi dengan Fatwa DSN MUI dan atau hukum perdata. Berdasarkan hasil penelitian yang dilakukan menunjukkan bahwa secara keseluruhan, putusan peradilan agama yang diteliti lebih menekankan pada unsur kerugian perspektif perdata, di mana kerugian nyata yang dimaksud terdiri dari kewajiban pokok yang berupa hutang pokok dan margin yang dilengkapi dengan adanya bukti oleh Penggugat dan kerugian nyata akibat wanprestasi. Implementasi Fatwa DSN MUI terkait unsur kerugian riil akibat wanprestasi di lingkungan peradilan agama belum dilakukan secara merata, hal ini terbukti dari 5 putusan hanya 2 putusan yang telah melandaskan unsur kerugian dari perspektif fatwa. Pada 3 putusan lain, hakim tidak me…
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creator: Arum Ayu Lestari
creator: Muh Fudhail Rahman
rights: Copyright (c) 2026 Arum Ayu Lestari, Muh Fudhail Rahman (Author) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-06-24
publication date: 2026-06-24
doi: 10.15408/rz4j8581

Perlindungan Konsumen Muslim Terhadap Kolaborasi Produk Pangan Bersertifikat Halal Dengan Produk Pangan Belum Bersertifikat Halal
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description: In the midst of increasing competition in the business world, business people are intensively implementing various strategies to increase sales, one of the strategies that is currently becoming a trend is collaboration. Among the many brands that are collaborating, there is a collaboration that is carried out by brands that are halal-certified and brands that are not yet halal-certified, namely the collaboration between Chatime and Cupbop. The collaboration between Chatime and Cupbop can be seen in the merged outlets. The merger of places between Chatime and Cupbop allows for a mix of halal and non-halal ingredients or the halal status is not clear. In addition, there are advertising posters from the Chatime and Cupbop collaboration that are spread on social media and on menus at Chatime and Cupbop collaboration outlets which contain a halal label. This study uses an empirical juridical approach. This approach combines legal materials with the phenomena of legal events that occur in the field. The results of this study explain that the existence of mismatched information about product halalness makes Muslim consumers' protection against the collaboration of Chatime and Cupbop not fully guaranteed. Therefore there are legal rules and sanctions regarding violations in this collaboration. BPJPH has not yet implemented the role and supervision of the collaboration of halal-certified food products with non-halal-certified food products in Chatime and Cupbop, in the form of: LPH, product halalness, inclusion of the Halal Label, as well as separation of locations, places and equipment for slaughtering, processing, storage, packaging, distribution, sales, and presentation of Halal and non-halal Products. Abstrak Di tengah meningkatnya persaingan di dunia usaha, para pelaku usaha gencar melakukan berbagai macam strategi untuk meningkatkan penjualan, salah satu strategi yang saat ini menjadi tren adalah kolaborasi. Di antara banyaknya brand yang melakukan kolaborasi, terdapat…
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creator: Zulfani Putri Trisia Salsabella
creator: A.M. Hasan Ali
rights: Copyright (c) 2026 Zulfani Putri Trisia Salsabella (Translator); A.M. Hasan Ali (Author) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-06-24
publication date: 2026-06-24
doi: 10.15408/c274k562

Perlindungan Konsumen Terhadap Jaminan Produk Halal Ayam Potong
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description: This study aims to analyze chicken slaughtering practices based on the Indonesian Council of Ulama (MUI) Fatwa Number 12 of 2009 concerning Halal Slaughtering Certification Standards and to examine the relationship between these practices and legal protection for consumers in accordance with applicable laws and regulations. The slaughtering process represents a critical point in poultry production as it determines the halal status of the product, requiring the cutting of four main channels, namely the mari’, hulqum, and two wajadain. This research was conducted at two poultry slaughterhouses in Depok City, namely Intan Jaya Unggas Poultry Slaughterhouse and Jaya Mandiri Poultry Slaughterhouse. The study employs a descriptive qualitative method using a normative-empirical legal research approach through statutory and conceptual approaches. Primary data were obtained through interviews and observations and analyzed by referring to the MUI fatwa and related regulations. The results indicate that slaughtering practices at both slaughterhouses comply with Islamic law requirements but have not fully met hygienic standards. Furthermore, business actors’ obligations to ensure animal products that are safe, healthy, wholesome, and halal (ASUH) have not been optimally implemented. This condition is influenced by limited supervision and the absence of firm government policies in ensuring the implementation of ASUH standards in poultry products. Abstrak Penelitian ini bertujuan untuk menganalisis praktik pemotongan ayam berdasarkan Fatwa MUI Nomor 12 Tahun 2009 tentang Standar Sertifikasi Penyembelihan Halal serta menganalisis hubungan praktik tersebut dengan perlindungan hukum bagi konsumen berdasarkan peraturan perundang-undangan yang berlaku. Proses penyembelihan merupakan titik kritis dalam produksi ayam potong karena menjadi penentu kehalalan produk, yaitu dengan terpotongnya empat saluran utama meliputi mari’,hulqum,dan dua wajadain. Penelitian ini dilaksanakan pada dua r…
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creator: Mila Puji Sri Widyawati
creator: Muhamad Nadratuzzaman Hosen
rights: Copyright (c) 2026 Mila Puji Sri Widyawati, Muhamad Nadratuzzaman Hosen (Author) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-06-24
publication date: 2026-06-24
doi: 10.15408/c87b2j25

Implementasi Zakat Penghasilan Rumah Kos Ditinjau Dalam Fatwa MUI Nomor 3 Tahun 2003 dan UU Nomor 23 Tahun 2011
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description: This study aims to find out how Implementation of zakat boarding houses in Pisangan Village East Ciputat District, South Tangerang City in MUI Fatwa and Law related to zakat. As for related regulations, boarding houses Here it is mandatory to issue zakat for those who are able and already have a fixed income as well as income that has reached on the limit of the ratio. The results of this study show that in the process implementation of zakat boarding house as a whole from the owner's informant boarding house in Pisangan Village, East Ciputat Kota District South Tangerang lacks understanding of the concept of picking up and Procedures for Paying Zakat from Boarding House Income. So that the Informants sometimes issue zakat consensually in measuring The amount of zakat issued. Then, in its partial distribution Informants giving zakat less in accordance with the criteria based on Regulations related to zakat. However, on the whole the informants Knowing the position of the legal status of zakat is mandatory. So, almost All informants in the implementation of zakat boarding houses in Pisangan Village, East Ciputat District, South Tangerang City Not yet in accordance with regulations related to zakat. Abstrak Penelitian ini bertujuan untuk mengetahui bagaimana Implementasi pelaksanaan zakat rumah kos di Kelurahan Pisangan Kecamatan Ciputat Timur Kota Tangerang Selatan dalam Fatwa MUI dan Undang-undang terkait zakat. Adapun dalam regulasi terkait, rumah kost di sini wajib untuk dikeluarkan zakatnya bagi yang mampu dan sudah memiliki penghasilan tetap serta penghasilan yang telah mencapai pada batas nisabnya. Hasil dari penelitian ini menunjukkan bahwa dalam proses pelaksanaan zakat rumah kos secara keseluruhan dari informan pemilik rumah kos di Kelurahan Pisangan Kecamatan Ciputat Timur Kota Tangerang Selatan kurang memahami mengenai konsep pengambilan serta tata cara penunaian zakat dari penghasilan rumah kos. Sehingga para informan terkadang mengeluarkan zakat secara s…
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creator: Septi Febriyanti
creator: Nurul Handayani
rights: Copyright (c) 2026 Septi Febriyanti, Nurul Handayani (Author) https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2026-06-24
publication date: 2026-06-24
doi: 10.15408/6bc2te50

Perlindungan Hukum Terhadap Konsumen Pengguna Shopee Paylater Yang Mengalami Kredit Macet Akibat Pandemi Covid-19
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description: The Covid-19 pandemic has had a huge impact on human life, one of which is causing the risk of bad credit on Spaylater loans. This study aims to determine the impact of the Covid-19 pandemic on Shopee Paylater users in Indonesia in the period 2020-2021, and analyze according to Law No. 8 of 1999 concerning Consumer Protection, POJK, and the DSN MUI Fatwa perspective on legal protection efforts for Spaylater users who experience bad credit due to the pandemic. The results of this study explain that there are no regulations that regulate explicitly and specifically regarding efforts that can be made for paylater (fintech) users if they experience bad credit. Regulations regarding fintech have not been able to accommodate them optimally because they are still too general. The Financial Technology Bill needs to be discussed immediately in order to create legal certainty in society. Then in the review of the DSN MUI Fatwa, Spaylater in practice is not in accordance with the provisions of syara. Abstrak: Pandemi Covid-19 memberikan dampak yang sangat besar bagi kehidupan manusia salah satunya menyebabkan risiko kredit macet pada pinjaman Spaylater. Penelitian ini bertujuan untuk Mengetahui dampak yang ditimbulkan dari adanya pandemi Covid-19 terhadap pengguna Shopee Paylater di Indonesia dalam kurun waktu 2020-2021, serta menganalisis menurut Undang-Undang No.8 Tahun 1999 tentang Perlindungan Konsumen, POJK, dan perspektif Fatwa DSN MUI terhadap upaya perlindungan hukum bagi pengguna Spaylater yang mengalami kredit macet akibat pandemi. Hasil dari penelitian ini menjelaskan bahwa belum ada regulasi yang mengatur secara tegas dan spesifik mengenai upaya yang dapat dilakukan bagi para pengguna paylater (fintech) jika mengalami kredit macet. Peraturan mengenai fintech belum mampu mengakomodasi secara maksimal karena masih bersifat terlalu umum. RUU Finansial Teknologi perlu segera dibahas agar terwujudnya kepastian hukum dalam masyarakat. Kemudian dalam tinjauan Fatwa DSN MU…
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creator: Husnul Syarofah
creator: Rahmat Ferdian Andi Rosidi
rights: Copyright (c) 2025 Sharia Economic Justice Review
date: 2025-06-02
publication date: 2025-06-02
doi: 10.15408/hved6213

Kesesuaian Layanan Shopee Barokah Ditinjau dengan Fatwa DSN-MUI Tentang Marketplace Berdasarkan Prinsip Syariah
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description: Shopee introduced the Shopee Barokah service as a halal-based platform that adheres to sharia principles, aiming to meet the needs of Muslim consumers and the growing interest in online buying and selling in Indonesia. This study examines the implementation of sharia contracts within the Shopee Barokah service and their compliance with DSN-MUI Fatwa No. 144 of 2021 concerning Sharia-based Marketplaces. This research adopts a qualitative case study method with both normative and empirical juridical approaches. Primary data were obtained through interviews with an Associate of Shopee Barokah, while secondary data were gathered from journals, books, documents, and relevant fatwas. The sharia contracts identified in this study include bai’ (sale and purchase), ‘ariyah (loan for use), wadi’ah (safekeeping), ju’alah (reward-based), hibah (gift), ijarah (lease), and khiyar (option rights). The service is categorized as a consignment-based marketplace Abstrak: Shopee mengenalkan Layanan Shopee Barokah sebagai layanan berbasis halal dan transaksi sesuai dengan prinsip syariah untuk menjawab kebutuhan umat muslim dan minat jual beli online yang tinggi di Indonesia. Penelitian ini mengkaji implementasi akad-akad syariah pada Layanan Shopee Barokah serta kesesuainnya dengan Fatwa DSN-MUI No. 144 Tahun 2021 tentang Marketplace berdasarkan Prinsip Syariah. Penelitian ini menggunakan penelitian kualitatif yang bersifatstudi kasus dengan pendekatan yuridis normatif dan yuridis empiris. Sumber data penelitian ini diambil dari data primer yang didapat melalui wawancara dengan Associate Shopee Barokah dan data sekunder yang diambil dari jurnal, buku, dokumen, serta fatwa-fatwa terkait. Akad-akad syariah pada penelitian ini antara lain akad jual beli (bai’), akad ‘ariyah, akad wadi’ah, akad ju’alah, akad hadiah, akad ijarah dan hak khiyar. Layanan ini merupakan layanan marketplace konsinyasi.
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creator: Anike Rasyida Inayah
creator: Syahrul Adam
rights: Copyright (c) 2025 Sharia Economic Justice Review
date: 2025-06-02
publication date: 2025-06-02
doi: 10.15408/se3c8y72

Tinjauan Sertifikat Halal Bagi Pelaku UMKM Makanan Cepat Saji di Kecamatan Bojongsari
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description: This study aims to: find out the response of MSME players in Bojongsari District to the obligation to be halal certified, and the reasons they do not know and have a halal certificate and whether the legal regulations regarding halal certificates are either Law No. 33 of 2014 concerning Halal Product Guarantee, PP No. 39 of 2021 concerning the Implementation of the Halal Product Guarantee Field, Law No. 11 of 2020 concerning Job Creation. The results of this study indicate that the responses of 10 MSMEs in Bojongsari District, namely, Dapur Bandung, Soto Khas Betawi, Bubur Ayam Pa'o, Pecel Madiun Bu Wito, Kedai BBM, Mie Bibir Jontor, Nasi Padang Bundo Kandung, Kedai Skuy by Saung Sari, Saung Dumek NHD, Bakmie Bangka 99 that the dominant does not know that MSME products must be halal certified, they think that halal certificates are only needed for middle- to upper-class businesses and businesses engaged in home food do not require halal certificates. Abstrak: Penelitian ini bertujuan untuk: mengetahui respon pelaku UMKM yang ada di Kecamatan Bojongsari akan kewajiban bersertifikat halal, dan alasan mereka belum mengetahui dan memiliki sertifikat halal serta apakah peraturan hukum mengenai sertifikat halal baik UU No 33 Tahun 2014 tentang Jaminan Produk Halal, PP No 39 Tahun 2021 tentang Penyelenggaraan Bidang Jaminan Produk Halal, Undang Undang No 11 Tahun 2020 tentang Cipta Kerja. Hasil penelitian ini menunjukkan bahwa respon 10 UMKM yang ada di Kecamatan Bojongsari yaitu, Dapur Bandung, Soto Khas Betawi, Bubur Ayam Pa’o, Pecel Madiun Bu Wito, Kedai BBM, Mie Bibir Jontor, Nasi Padang Bundo Kandung, Kedai Skuy by Saung Sari, Saung Dumek NHD, Bakmie Bangka 99 bahwa dominan tidak mengetahui bahwa produk UMKM harus bersertifikat halal, mereka beranggapan bahwa sertifikat halal hanya diperlukan untuk usaha menengah ke atas dan usaha yang bergerak di bidang makanan rumahan tidak memerlukan sertifikat halal.
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creator: Mawar Mardiah Nasution
creator: Ali Hanafiah Selian
rights: Copyright (c) 2025 Sharia Economic Justice Review
date: 2025-06-02
publication date: 2025-06-02
doi: 10.15408/1pt8nq59

Deposito Berjangka Sebagai Cash Collateral dalam Produk Pembiayaan di BPRS Harta Insan Karimah (HIK) Bekasi
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description: This research aims to find out, first, the mechanism for using term deposits as financing collateral at BPRS HIK Bekasi. Second, what is the review of positive law and Islamic law regarding the use of time deposits as cash collateral This type of research is normative-empirical with a legislative approach and a conceptual approach and uses qualitative research methods. The results of this research show that the mechanism for using term deposits as collateral for financing at BPRS HIK Bekasi is: Deposits are issued and kept by BPRS HIK Bekasi; Deposits are blocked and the deposit slips are held; the deposit term is the same as the financing term; tied to a pawn; accompanied by a power of attorney for disbursement, and the bank has the right to disburse funds if the customer is in default; still get the ratio; maximum financing ceiling of 100%. Based on positive law, namely article 1153 of the Civil Code, time deposits are collateral that can be pledged, because they include intangible movable objects in the form of receivables in the name. Meanwhile, based on Islamic law, seen from the pillars and conditions of rahn, time deposits which are collateral in the form of cash (cash), have fulfilled the requirements as marhun, because money can be bought and sold, and can be ascertained in terms of the amount. Abstrak: Penelitian ini bertujuan untuk mengetahui, pertama, mekanisme penggunaan deposito berjangka sebagai jaminan pembiayaan di BPRS HIK Bekasi. Kedua, bagaimana tinjauan hukum positif dan hukum islam terhadap penggunaan deposito berjangka sebagai jaminan tunai. Jenis penelitian ini adalah normatif-empiris dengan pendekatan Perundang- undangan dan Pendekatan Konseptual serta menggunakan metode penelitian kualitatif. Hasil dalam penelitian ini menunjukkan bahwa mekanisme penggunaan deposito berjangka sebagai jaminan pembiayaan di BPRS HIK Bekasi, yaitu: Deposito diterbitkan dan disimpan sendiri oleh BPRS HIK Bekasi; Deposito diblokir dan bilyet deposito tersebut di…
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creator: Zulfa Fauziyah
creator: Moch Bukhori Muslim
rights: Copyright (c) 2025 Sharia Economic Justice Review
date: 2025-06-02
publication date: 2025-06-02
doi: 10.15408/jmmqcp56

Karakteristik Kode Unik Transaksi Antar Bank Aplikasi Flip dalam Tinjauan Hukum Ekonomi Syariah
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description: This research aims to provide an overview of the practice of interbank fund transactions via the Flip application and to obtain a sharia economic law analysis of the unique code system for interbank fund transactions via the Flip application. This research uses a qualitative approach. The analytical method used by Miles and Huberman is collecting data, then reducing and summarizing the data, then presenting the data in narrative form and drawing conclusions. From the analysis results, the practice of using the Flip application in transaction media is appropriate and well implemented. The additional nominal unique code when making a simple transaction looks like a qardh contract because the user funds that Flip lends to use as a unique code are returned to the user's account balance and Flip does not get any profit. However, after analysis, many Flip users used this unique code to offer digital product features provided by Flip. This then changes the notion of qardh to ijarah. In practice, the unique code system for interbank fund transactions via the Flip application is a wadi'ah contract transaction in sharia economic law, because it is only a deposit. Abstrak: Penelitian ini bertujuan untuk memberikan gambaran mengenai praktik transaksi dana antar bank melalui aplikasi Flip serta untuk mendapatkan analisa hukum ekonomi syariah terhadap sistem kode unik transaksi dana antar bank melalui aplikasi Flip. Penelitian ini menggunakan jenis pendekatan kualitatif. Metode analisis yang digunakan Miles and Huberman, yaitu pengumpulan data kemudian reduksi dan merangkum data, selanjutnya penyajian data dalam bentuk narasi hingga penarikan kesimpulan. Dari hasil analisis, praktik penggunaan aplikasi Flip dalam media transaksi sudah sesuai dan diterapkan dengan baik. Tambahan nominal kode unik ketika akan melakukan transaksi secara sederhana terlihat seperti adanya akad qardh karena dana pengguna yang dipinjam Flip untuk dijadikan kode unik dikambalikan lagi pada saldo akun pen…
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creator: Rahmat Habibi
creator: Muh Fudhail Rahman
rights: Copyright (c) 2025 Sharia Economic Justice Review https://creativecommons.org/licenses/by-nc-sa/4.0
date: 2025-06-02
publication date: 2025-06-02
doi: 10.15408/y5bq6v85