scholarly journals PUMP AND DOWN IN JIWASRAYA INVESTATION AND THE ABSENCE OF ISLAMIC ECONOMY LAW PRINCIPLES

JURISDICTIE ◽  
2021 ◽  
Vol 11 (2) ◽  
pp. 328-351
Author(s):  
Ali Geno Berutu
Keyword(s):  
Islamic Law ◽  
Price Level ◽  
Investment Model ◽  
Personal Interest ◽  
Case Study Approach ◽  
Public Attention ◽  
Legal Research ◽  
Study Approach ◽  
Good Investment

The case of PT. Asuransi Jiwasraya (Persero) investment once became public attention. Not only does it harm its customers, the country also must bear the company’s loss. This loss is caused by the investment practice into low-quality stocks. The company neglected the good investment principles and prioritized more on the personal interest. This article aims to describe and define the pump and down phenomena in the investment of PT. Asuransi Jiwasraya. To top it off, the article analyzes the pump and down phenomena based on the Islamic economy law principles. This is a doctrinal legal research with case study approach. The results show that pump and down is a transaction activity of an effect in manipulative way. This model is characterized by rising price (uptrend) because of a series of stock purchase transaction in a fairly big amount so the rising reaches the highest price level, then the reduced price is too significant. They aim at gaining big profit so they can re-purchase the stock in a cheaper price. This pump and down phenomena in PT. Asuransi Jiwasraya investment case is not in line with the Islamic law principles. The investment model in this schema contains several elements i.e. maisīr, najasy, gharar, ghisysy, ihktikar, and tadlīs.Kasus investasi PT. Asuransi Jiwasraya (Persero) sempat menjadi sorotan publik. Selain merugikan nasabah, negara juga harus menanggung kerugian perusahaan. Kerugian ini muncul akibat praktik investasi pada saham kualitas rendah. Perusahaan disinyalir mengabaikan prinsip-prinsip investasi yang baik dan lebih mengedepankan kepentingan pribadi. Artikel ini bertujuan mendeskripsikan fenomena pump and down dalam investasi PT. Asuransi Jiwasraya. Artikel ini juga bertujuan mesdeskripsikan pump and down dalam kasus Jiwasraya. Artikel ini juga menganalisis fenomena pump and down tersebut berdasarkan prinsip-prinsip hukum ekonomi syariah. Artikel ini merupakan hasil penelitian hukum doctrinal dengan pendekatan studi kasus. Hasil penelitian ini menunjukkan bahwa Pump and Dump merupakan aktivitas transaksi suatu Efek secara manipulative. Model transaksi ditandai dengan naiknya harga (uptrend) karena adanya serangkaian transaksi pembelian saham dalam jumlah yang cukup banyak sehingga harga naik mencapai level harga tertinggi. Kemudian penurunan harga yang sangat signifikan. Tujuannya untuk meraih keuntungan yang besar dan bisa membeli kembali saham tersebut dengan harga murah. Fenomena pump and down dalam kasus investasi PT. Asuransi Jiwasraya tidak sejalan dengan prinsip-prinsip hukum Islam. Model investasi dengan skema ini mengandung unsur maisīr, najasy, gharar, ghisysy, ihktikar, dan tadlīs.

TANGGUNG JAWAB PERBANKAN DALAM KASUS PEMBOBOLAN DANA NASABAH (Studi Pembobolan Deposito milik PT. Elnusa, Tbk)

2019 ◽  
Vol 7 (2) ◽  
pp. 301
Author(s):  
Thessa Anial John
Keyword(s):  
Consumer Protection ◽  
Case Study Approach ◽  
Legal Research ◽  
Public Funds ◽  
The Public ◽  
Study Approach ◽  
Banking Service ◽  
The Law ◽  
Research Show

<p>Abstract</p><p>This article aims to study the bank’s responsibility towards fraud against customer with a case study of Bank Mega Fraud against PT. Elnusadeposito funds. This research is a normative legal research using constitutional and case study approach. The result of this research show that Bank Mega liquefyPT. Elnusadeposito funds carelessly without PT.Elnusa consent is an act against the law. Bank Mega hasfailed to fulfil it’s responsibility towardsthe customer as regulated Article 37 B paragraph (1) UndangUndang Nomor 10 Tahun 1998 concerning banking service that stipulate every bank must guarantee the public funds deposited in the bank concerned The action of Bank Mega has caused losses both material and immaterial loss so that Bank Mega has to give responsibility and compensation for damage and consumer loss according to Article 19 paragraph (2) Undang-Undang Nomor 8 Tahun 1999 regarding consumer protection.</p><p>Keywords: Responsibility; prudential principles; banks; and customers.</p><p>Abstrak</p><p>Artikelini bertujuan mengkaji tanggung jawab perbankan terhadap pembobolan dana nasabah dengan</p><p>studi kasus terhadap Bank Mega dalam kasus pembobolan dana deposito PT.Elnusa, Penelitian ini merupakan penelitian hukum normatif dengan melakukan pendekatan undang-undang dan pendekatan kasus.Berdasarkan hasil dari penelitian dapat disimpulkan bahwa tindakan Bank Mega mencairkan dana deposito milik PT.Elnusa secara tidak hati-hati dan tanpa sepengetahuan PT. Elnusa merupakan tindakan yang melanggar hukum. Bank Mega telah tidak memenuhi kewajibannya terhadap nasabah sebagaimana diatur dalam Pasal 37 B ayat (1) Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan yang menyebutkan bahwa setiap bank wajib menjamin dana masyarakat yang disimpan pada bank yang bersangkutan. Tindakan Bank Mega telah menimbulkan kerugian baik materiil maupun immateriil sehingga Bank Mega selaku pelaku usaha berdasarkan Pasal 19 ayat (2) Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen bertanggung jawab untuk memberikan ganti rugi atas kerusakan, pencemaran, dan/atau kerugian konsumen akibat mengkonsumsi barang dan/atau jasa yang dihasilkan.</p><p>Kata Kunci: Tanggung jawab; prinsip kehati-hatian; bank; dan nasabah.</p>

scholarly journals Penghapusan Kebijakan Denda Keterlambatan pada Pembiayaan Bermasalah PT Bank BNI Syariah

2019 ◽  
Vol 2 (2) ◽  
pp. 1-34
Author(s):  
Laode Arahman Nasir ◽  
Wasilah Wasilah
Keyword(s):  
Policy Implementation ◽  
Qualitative Methods ◽  
Islamic Law ◽  
Positive Impact ◽  
Case Study Approach ◽  
National Board ◽  
Research Instrument ◽  
Study Approach ◽  
Interview Process

This study aims to analyze the policy of late charge elimination applied to PT Bank BNI Syariah. This policy was initiated at the year of 2016 which predictably lead to the inclination of problematic financing at BNI Syariah. This study provides evaluation and recommendation for policy implementation to reduce the number of problematic financing. This study uses qualitative methods with a case study approach. The research instrument used was through the interview process with BNI Syariah and the DSN (Dewan Syari‟ah Nasional/ Read: National Board of Islamic Law) of MUI (Majelis Ulama Indonesia/ Read: Indonesian Muslim Scholars Council). The results of the study reveals that the application of a fine-elimination policy was applied because of bank doubts about the application of fines to sharia and fines that have no effect on the bank’s income. PT Bank BNI Syariah uses persuasive policies and still applies the ta'widh policy after the application of the fine is eliminated. This policy has a positive impact on marketing but is still vulnerable to an increase in the level of Non Performing Financing (NPF).

scholarly journals LEGAL PROTECTION AGAINST SALE AND PURCHASE AGREEMENT OF BUILDING USE TITLE IN THE EVENT OF DEFAULT

2020 ◽  
Vol 9 (1) ◽  
pp. 14
Author(s):  
I Nyoman Gede Murdiana ◽  
A.A.A.N Sri Rahayu Gorda
Keyword(s):  
Legal Protection ◽  
Court Decision ◽  
Case Study Approach ◽  
Power Of Attorney ◽  
Legal Research ◽  
Absolute Power ◽  
Study Approach ◽  
Buy Back

An agreement will not always be able to run according to the agreement of the parties. Certain conditions can be found, such as, the occurrence of various things that result in an agreement cannot be implemented, namely the buy-back right by the seller which has been agreed upon and results in losses for the buyer and on a court decision that sentences the seller to carry out the agreement seven days after the verdict, but the implementation of the sale and purchase agreement has not yet been carried out. This paper examines the legal protection for the buyer against the sale and purchase agreement for building use rights in terms of default. This type of research is a normative juridical legal research applying a case study approach and statue approach. The preventive legal protection for the buyer, namely legal protection is by requesting for irrevocable power of attorney, referred to as absolute power of attorney. Meanwhile, repressive legal protection is legal protection after the occurrence of a dispute, namely based on the consideration of a judge's decision which can provide a sense of certainty and justice to the aggrieved buyer.   Suatu perjanjian tidak selamanya akan dapat berjalan sesuai dengan kesepakatan para pihak. Kondisi tertentu dapat ditemukan terjadinya berbagai hal yang berakibat suatu perjanjian tidak dilaksanakan yaitu dengan hak membeli kembali oleh penjual yang telah disepakati dan mengakibatkan kerugian bagi pihak pembeli dan atas putusan pengadilan yang menghukum pihak penjual untuk melaksanakan perjanjian tujuh hari setelah putusan, akan tetapi pelaksanaan perjanjian jual beli tersebut belum juga terlaksana. Jenis penelitian ini adalah penelitian hukum yuridis normatif dengan menggunakan pendekatan studi kasus dan pendekatan perundang-undangan. Perlindungan hukum secara preventif bagi pihak pembeli yaitu perlindungan hukum yaitu permintaaan pemberian kuasa yang tidak dapat ditarik kembali yang disebut surat kuasa mutlak. Sedangkan perlindungan hukum secara represif adalah perlindungan hukum setelah terjadinya sengketa yaitu berdasarkan pertimbangan putusan hakim yang bisa memberikan rasa kepastian dan keadilan terhadap pembeli yang dirugikan.

Implementasi Pengelolaan Tanah Desa Berbasis Akad Ijarah dalam Upaya Peningkatan Kesejahteraan Masyarakat Desa Bulusari

2021 ◽  
Vol 7 (2) ◽  
Author(s):  
Ria Rohma Setyawati ◽  
Renny Oktafia
Keyword(s):  
Qualitative Method ◽  
Islamic Law ◽  
Third Party ◽  
Local People ◽  
Case Study Approach ◽  
Current Case ◽  
Study Approach ◽  
The Impact ◽  
The Village

Abandoned village land is used for community welfare, one of which is used to build people's markets. Where the people's market is useful for utilizing existing facilities, as well as providing opportunities for the surrounding community to increase income as well as creating jobs for people who are unemployed. And from there the Village Officials create a people's market to be rented out to local people who want to trade. The purpose of this study was to determine the application of the ijarah contract and the impact on the welfare of the community. This study uses a qualitative method with a case study approach that aims to obtain information directly from informants based on the current case. The results of this study indicate that the application of village land leases in Bulusari Village is in accordance with Islamic law even though at the time the agreement took place there was no third party to be a witness. As for the impact on Village Officials as land administrators and tenants, this system can improve the welfare of indicators of religion, life, mind, descent and property.

scholarly journals Penghapusan Kebijakan Denda Keterlambatan pada Pembiayaan Bermasalah PT Bank BNI Syariah

2018 ◽  
Vol 2 (2) ◽  
pp. 1-34
Author(s):  
Laode Arahman Nasir ◽  
Wasilah Wasilah
Keyword(s):  
Islamic Law ◽  
Positive Impact ◽  
Case Study Approach ◽  
National Board ◽  
Research Instrument ◽  
Study Approach ◽  
Interview Process ◽  
Muslim Scholars

This study aims to analyze the policy of late charge elimination applied to PT Bank BNI Syariah. Thispolicy was initiated at the year of 2016 which predictably lead to the inclination of problematicfinancing at BNI Syariah. This study provides evaluation and recommendation for policyimplementation to reduce the number of problematic financing. This study uses qualitative methodswith a case study approach. The research instrument used was through the interview process with BNISyariah and the DSN (Dewan Syari‟ah Nasional/ Read: National Board of Islamic Law) of MUI(Majelis Ulama Indonesia/ Read: Indonesian Muslim Scholars Council). The results of the studyreveals that the application of a fine-elimination policy was applied because of bank doubts about theapplication of fines to sharia and fines that have no effect on the bank’s income. PT Bank BNI Syariahuses persuasive policies and still applies the ta'widh policy after the application of the fine iseliminated. This policy has a positive impact on marketing but is still vulnerable to an increase in thelevel of Non Performing Financing (NPF).

scholarly journals Perlindungan Konsumen Bagi Pasien Selaku Pemanfaat Pelayanan Medis

2019 ◽  
Vol 21 (1) ◽  
pp. 77-92
Author(s):  
Cut Mayang Widya Nuryaasiinta
Keyword(s):  
Consumer Protection ◽  
Health Workers ◽  
Legal Protection ◽  
Professional Standards ◽  
Medical Services ◽  
Case Study Approach ◽  
Legal Research ◽  
Study Approach ◽  
Consumer Rights

Artikel ini ingin menjawab bentuk perlindungan hukum bagi pasien selaku konsumen pemanfaat pelayanan medis dan tanggung jawab rumah sakit dan dokter selaku pihak pelayanan medis. Dalam pelayanan kesehatan, tidak jarang mengakibatkan malpraktik akibat kelalaian yang dilakukan oleh tenaga kesehatan yang tidak sesuai dengan standar profesi. Metode yang digunakan adalah penelitian hukum yuridis normatif, pendekatan yang digunakan adalah pendekatan undang-undang dan pendekatan kasus. Dalam Putusan No.287/PDT.G/BTH/2011/PN.JKT.PST terdapat 5 (lima) hak konsumen yang diabaikan oleh pelaku usaha menurut Undang-Undang Perlindungan Konsumen, khususnya Pasal 4 butir (a), (c), (d), (e), (g), dan (h). Mengenai tanggung jawab yang diberikan pelaku usaha terhadap konsumen sebesar Rp 1.776.010.000,00 dan dalam Pasal 19 ayat (2) Undang-Undang Konsumen hanya mengenal ganti kerugian materiil saja. Consumer Protection for Patients as the Utilization of Medical Services In health services, it often results in malpractice due to negligence by health workers who work not in accordance with professional standards. So that raises the question of how the form of legal protection for patients as consumers of medical services and the responsibilities of hospitals and doctors as medical services. The method used is normative juridical legal research, the approach used is a legal  (statute approach) and a case study approach.  In Decision No.287 / PDT.G / BTH / 2011 / PN.JKT.PST, there are 5 (five) consumer rights which are ignored by business actors according to Law Number 8 of 1999 concerning Consumer Protection, namely Article 4 point (a), (c), (d), (e), (g), and (h). Regarding the responsibility given by business actors to consumers in the amount of Rp. 1,776,010,000.00 and in Article 19 paragraph (2) of the Consumer Protection law only recognizes material compensation.

scholarly journals Pendayagunaan Kekuasaan Pemerintah Kota Banda Aceh Era Illiza Sa'aduddin Djamal Dalam Mewujudkan Kota Madani

2020 ◽  
Vol 1 (2) ◽  
pp. 86-103
Author(s):  
Reza Fahmi ◽  
Haryanto Haryanto
Keyword(s):  
Research Method ◽  
Islamic Law ◽  
City Government ◽  
Case Study Approach ◽  
Study Approach ◽  
Power Resources ◽  
Data Collection Technique ◽  
The City ◽  
Banda Aceh

Penelitian ini bertujuan untuk menjelaskan bagaimana upaya-upaya yang dilakukan oleh Pemerintah Kota Banda Aceh era Illiza Sa’aduddin Djamal dalam mewujudkan kota madani. Untuk menjawab hal tersebut, penulis menggunakan konsep sumber daya kekuasaan dari Charles F. Andrain untuk melihat seberapa besar sumber daya kekuasaan yang dimiliki dan bagaimana sumber daya kekuasaan tersebut dimanfaatkan. Metode penelitian adalah kualitatif dengan pendekatan studi kasus. Adapun teknik pengumpulan data dilakukan dengan wawancara. Aktor-aktor yang terlibat langsung dalam pelaksanaan syariat Islam di kota Banda Aceh terutama dari unsur pemerintah menjadi sumber data utama dalam penelitian ini. Hasil penelitian memperlihatkan bahwa sumber daya kekuasaan yang dimiliki oleh Pemerintah Kota Banda Aceh cukup besar. Walaupun demikian, refleksi atas upaya yang telah dilakukan oleh Pemerintah Kota Banda Aceh dalam mewujudkan kota madani menunjukkan bahwa sumber daya yang dimiliki masih belum dapat dimaksimalkan, sehingga hal ini berimbas pada hasil akhir yang dapat dicapai. Sekalipun upaya untuk mewujudkan kota madani belum bisa terwujud sepenuhnya, pada dasarnya dapat dimaknai bahwa Pemerintah Kota sedang membangun tatanan sumber daya yang lebih kuat, dukungan yang lebih memadai lewat partisipasi masyarakat untuk ikut andil bersama meningkatkan pelaksanaan syariat Islam guna mewujudkan Banda Aceh menjadi kota madani. This study aims to explain how the efforts made by the Banda Aceh City Government in the era of Illiza Sa'aduddin Djamal in realizing a civilized city. To answer this, the author uses the concept of power resources from Charles F. Andrain to see how much power resources are owned and how these power resources are utilized. The research method is qualitative with a case study approach. The data collection technique was carried out by the interview. Actors who are directly involved in the implementation of Islamic law in the city of Banda Aceh, especially from government elements, are the main data sources in this study. The results showed that the power resources owned by the Banda Aceh City Government were quite large. However, reflections on the efforts that have been made by the Banda Aceh City Government in realizing a civilian city show that the resources they have are still not maximized, so this has an impact on the final results that can be achieved. Even though the effort to realize a civil city has not yet been fully realized, it can basically be interpreted that the City Government is building a stronger resource structure, more adequate support through community participation to take part in increasing the implementation of Islamic law in order to make Banda Aceh a civil city.

scholarly journals Analisis Ketentuan Hak Tanggungan Elektronik pada Peraturan menteri Agraria dan Tata Ruang Nomor 9 Tahun 2019 tentang Pelayanan Hak Tanggungan

2020 ◽  
Vol 5 (2) ◽  
pp. 332
Author(s):  
Nailu Vina Amalia ◽  
Alifia Soraya Qurbani ◽  
Salvian Kumara
Keyword(s):  
Qualitative Analysis ◽  
Research Methods ◽  
Spatial Planning ◽  
Secondary Data ◽  
Actual State ◽  
Case Study Approach ◽  
Legal Research ◽  
Study Approach ◽  
Legal Case

The purpose of this study is to analyze the provisions on Electronic Mortgage. The study uses normative-empirical legal research methods. The approach used is included in the category of Non-Judicial Case Study, which is a legal case study approach without conflict. The data in this study are secondary data obtained from literature sources and existing sources. The analysis used is a descriptive qualitative analysis that describes the actual state of a particular fact. Based on the Regulation of the Minister of Agrarian Affairs and Spatial Planning on Electronic Integrated Mortgage Rights Services, it provides various facilities in its submission. There are several gaps in the regulation that can be used to disadvantage certain parties so that the regulation still needs improvement so that it does not produce a premature product.

scholarly journals Millennial Religious Understanding in Bandung: A Case Study on Their Views and Attitudes Towards Issues of Islamic Law, Religious Freedom, Tolerance, and Pancasila

FIKRAH ◽  
2020 ◽  
Vol 8 (1) ◽  
pp. 1
Author(s):  
Iu Rusliana ◽  
Dadang Kahmad
Keyword(s):  
Religious Freedom ◽  
Islamic Law ◽  
Islamic State ◽  
Case Study Approach ◽  
Focus Group Discussions ◽  
Group Discussions ◽  
Study Approach ◽  
Depth Interviews ◽  
Religious Understanding

<span lang="EN-MY">This study aims to reveal the religious understanding of millennials (focus on ‘Rohis’ in senior high school) in Bandung. The authors will try to analyze how the views and attitudes of millennials towards several issues consisting of Islamic law, religious freedom, tolerance, and Pancasila. The research methodology used is a case study approach. Also, data is collected through in-depth interviews, focus group discussions, and observations. This study found that the majority of millennials in Bandung have inclusive and moderate understanding. The majority of them reject various ideas and discourses such as the Islamic state, intolerance, violence in the name of religion, and to replace Pancasila as the principle of the nation. Besides, they also rejected several radical groups that wanted to replace the basis of the nation. However, some students approve the existence of hard-line groups and they agree to replace Pancasila as the basis of the Indonesian nation</span>

scholarly journals ANALISIS KEPATUHAN SYARIAH PEMBIAYAAN MUSYARAKAH PADA BPRS AMANAH SEJAHTERA GRESIK

2020 ◽  
Vol 7 (1) ◽  
pp. 151
Author(s):  
Ita Miftahul Janah ◽  
Sunan Fanani
Keyword(s):  
Financial Institutions ◽  
Islamic Law ◽  
Descriptive Analysis ◽  
Supervisory Board ◽  
Case Study Approach ◽  
Study Approach ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive ◽  
Conventional Banks

The background of this research is the growth and development of the Islamic economy in Indonesia these days. It can be seen from the number of Islamic Financial Institutions that have emerged lately and offered products that are free of usury. Thus, citizens’ perceptions of Islamic banks and conventional banks are the same. Meanwhile, to carry out its operations, sharia financial institutions must follow Islamic law (Sharia law), which are regulated in the DSN-MUI Fatwa and supervised by the Sharia Supervisory Board. From the phenomenon above, the writer wants to raise the theme of sharia compliance in sharia financial institutions namely musyarakah financing in Islamic Rural Banks. This study uses qualitative descriptive analysis, a case study approach. The object of this research is the Islamic rural bank (BPRS) Amanah Sejahtera Gresik. To examine the compliance of the musyarakah contract, the author uses the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI Fatwa) No.08/DSN-MUI/IV/2000 as its reference. The results show that the BPRS Amanah Sejahtera Gresik has been operating the Musyarakah Financing following the applicable DSN-MUI Fatwa rules. In addition to that, besides seeking profits, BPRS also preaches Islamic economics. From the sharia principles that have been carried out by the BPRS, the purpose of maqashid sharia is fulfilled.Keywords: Sharia Compliance, Musyarakah, BPRS Amanah Sejahtera, DSN-MUI Fatwa, Maqashid Sharia.

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