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All Journal Rechtsidee Ajudikasi : Jurnal Ilmu Hukum BERNAS: Jurnal Pengabdian Kepada Masyarakat Journal Presumption of Law
Alda Rifada Rizqi
Sekolah Tinggi Hukum Bandung
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Eksistensi Badan Usaha Milik Desa (BUMDES) dalam Upaya Mewujudkan Negara Hukum Kesejahteraan Alda Rifada Rizqi
Ajudikasi : Jurnal Ilmu Hukum Vol. 3 No. 1 (2019): Ajudikasi : Jurnal Ilmu Hukum
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/ajudikasi.v3i1.1021

Abstract

The Village Government is an administrative entity that currently has an important role in supporting National Development. Development of Human Resources and utilization of Natural Resources and strengthening of infrastructure starts with the smallest government unit, namely the Village. Development no longer uses top down system (development from the center to the regions) but uses bottom up system (development that starts from the region), this proves that the village as a native community unit of the Indonesian people has its existence again. As a Welfare State, the Constitution of the Unitary State of the Republic of Indonesia (the 1945 Constitution) is explained that the State Economy is carried out based on populist economic principles that aim to improve shared prosperity, therefore development at every level of government, including Village governments by utilizing BUMDes for welfare village communities must be carried out based on the principles of people’s economy.
PROGRAM PINJAMAN TANPA RIBA DAN BUNGA UNTUK MENDORONG USAHA UMKM DI MASA PANDEMI COVID-19 Ginan Wibawa; Alda Rifada Rizqi; Diar Faroha
BERNAS: Jurnal Pengabdian Kepada Masyarakat Vol. 3 No. 4 (2022)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (428.716 KB) | DOI: 10.31949/jb.v3i4.2963

Abstract

Bumdesa Berkah Abadi is a village-owned enterprise located in Cileunyi Wetan Village, Cileunyi District, Bandung Regency. Bumdesa Berkah Abadi has several business units, namely savings and loan services, retail, livestock, and multi-purpose building rental services. The saving and loan business unit is a collaboration between Bumdesa and BPR HIK Parahyangan to resolve MSME capital problems during the Covid-19 pandemic. This program is expected to encourage business actors to continue to run their businesses and can encourage the economy of rural communities. This program also encourages business actors to be able to develop their business, by increasing capital without burdening paying loan interest. In addition to the loan program without usury and interest, MSME business actors will also be accompanied by professional MSME assistants, to monitor the program continues, collect loan installments and consult on their business problems. Keywords: MSMEs, loans, usury. Abstrak Bumdesa Berkah Abadi merupakan Badan Usaha Milik Desa yang terletak di Desa Cileunyi Wetan Kecamatan Cileunyi Kabupaten Bandung. Bumdesa Berkah Abadi memiliki beberapa unit usaha yaitu jasa simpan pinjam, retail, peternakan, dan jasa penyewaan Gedung serba guna. Unit usaha simpan pinjam merupakan kolaborasi antara Bumdesa dan BPR HIK Parahyangan guna menuntaskan masalah permodalan UMKM di masa pandemi Covid-19. Diharapkan program ini dapat mendorong pelaku usaha untuk tetap menjalankan usahanya dan dapat mendorong perekonomian masyarakat desa. Program ini juga mendorong pelaku usaha untuk dapat mengembangkan usahanya, dengan menambah permodalan tanpa memberatkan membayar bunga pinjaman. Selain program pinjaman tanpa riba dan bunga ini juga pelaku usaha UMKM akan didampingi oleh pendamping UMKM yang professional, untuk memantau program tetap berjalan, mengumpulkan angsuran pinjaman serta konsultasi mengenai permasalahan usaha mereka. Kata kunci: UMKM, pinjaman, riba.
Meaningful Participation in Local Regulation Making in Indonesia: A Study of Legislative Law Alda Rifada Rizqi
Rechtsidee Vol 10 No 2 (2022): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jihr.v11i0.801

Abstract

The meaningful participation aspect is one of the conceptions born after the Constitutional Court's decision regarding job creation law. It is carefully considered, as well as the right to obtain answers and justifiable reasons for the aspirations that have been conveyed. This study examines the application of meaningful participation in forming Regional Regulations. This research is normative legal research with a concept and statutory approach. The research results confirm that meaningful participation must also be applied in preparing regional regulations as part of the legislation. In this case, meaningful participation in the drafting of Regional Regulations must also be proportional and meaningful in taking into account the dimensions and aspects of local wisdom in the regions. In a further application, the idea of meaningful participation needs to be strengthened in preparing regional regulations and regional legal products by emphasizing the meaningful participation aspect in the Permendagri regional legal products. That is so that the idea of meaningful participation can be adhered to by the regions in drafting regional legal products, particularly in drafting regional regulations.
ANALISIS KESESUAIAN FATWA DSN-MUI NO. 77/DSN-MUI/V/2010 TERHADAP PEMBIAYAAN MURABAHAH CICIL EMAS Ginan Wibawa; Alda Rifada Rizqi; Diar Faroha; Rianti Oktaviani
Journal Presumption of Law Vol 5 No 2 (2023): Volume 5 Nomor 2 Tahun 2023
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jpl.v5i2.5044

Abstract

Melihat perkembangan zaman saat ini, pembiayaan kepemilikan emas semakin banyak diminati oleh masyarakat dengan pembayaran dicicil. Oleh karena itu, lembaga-lembaga keuangan syariah mulai meluncurkan sebuah produk pembiayaan murabahah emas dalam bentuk jual beli tidak tunai. Sepintas tidak ada masalah dengan jual beli emas secara tidak tunai ini, namun praktik tersebut justru bertolak belakang dengan hadits Nabi Saw. dan mendapatkan pertentangan dari berbagai pendapat mayoritas fuqaha dan ulama kontemporer lainnya. Namun dalam fatwa DSN-MUI No. 77/DSN-MUI/V/2010 tentang jual beli emas secara tidak tunai dinyatakan bahwa jual beli emas secara tunai itu boleh (Mubah, jaiz). Penelitian ini merupakan jenis penelitian kepustakaan (Library Research) dengan menggunakan pendekatan deskriptif analisis yang berupa pencarian fakta, hasil dan ide pemikiran seseorang melalui cara mencari, menganalisis, membuat interpretasi serta melakukan generalisasi terhadap hasil penelitian yang dilakukan. Hasil penelitian menunjukan bahwa alasan diperbolehkannya jual beli emas secara tidak tunai ini karena merujuk pada Fatwa DSN-MUI dengan menggunakan dasar hukum dari pendapat ulama-ulama kontemporer yang membolehkan. Namun, fatwa tersebut dilemahkan oleh ulama kontemporer seperti Erwandi Tarmizi dengan menyatakan bahwa fatwa tersebut masih dipertanyakan istinbat hukum Islamnya.
Co-Authors Diar Faroha Diar Faroha Ginan Wibawa Ginan Wibawa Rianti Oktaviani