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Journal : Jurnal Hukum IUS QUIA IUSTUM

The Practice of Murabahah Scheme in Syariah Banking (Critical Analysis Towards The Application of Murabahah Scheme in Indonesia and Malaysia Bagya Agung Prabowo
Jurnal Hukum IUS QUIA IUSTUM Vol. 16 No. 1 (2009): English Version
Publisher : Fakultas Hukum Universitas Islam Indonesia

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Abstract

Terdapat perbedaan signifikan pada konsep akad murabahah antara Indonesia dan Malaysia. Perbedaan yang paling besar terletak pada adopsi bai’ ail-inah di Malaysia yang tidak dapat diaplikasikan di Indonesia. Lembaga Shariah Nasional di Indonesia menegaskan bahwa jenis perjanjian tersebut adalah haram (fraudulent) sehingga di larang untuk diaplikasikan.  Dalam hal ini, akad dibagi menjadi dua bagian, yaitu dari bank untuk nasabah dan dari nasabah untuk bank. Jelaslah bahwa ini adalah riba yang terselubung. Berkenaan dengan keamanan rasa percaya (dhaman), tidak terdapat perbedaan antara ke dua negara. Alasan untuk mengadopsi keamanan ini hanya karena didasarkan prudensialitas dalam pembiayaan yang dikucurkan kepada nasabah.Keywords : contract, Murabahah, ba’I al-Inah, Dhaman
Konsep Akad Murabahah Pada Perbankan Syariah (Analisa Kritis Terhadap Aplikasi Konsep Akad Murabahah Di Indonesia Dan Malaysia) Bagya Agung Prabowo
Jurnal Hukum IUS QUIA IUSTUM Vol. 16 No. 1 (2009)
Publisher : Fakultas Hukum Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iustum.vol16.iss1.art7

Abstract

There are significant differences in the practice of murabahah scheme between Indonesia and Malaysia. The most distinct feature between them is in the adoption of bai’ ail-inah in Malaysia wich is not applicable in Indonesia. National Shariah Council of Indonesia condemns such contract as fraudelent, and hence is fobiddento apply. Here, the contract is designated to be two folds, namely from the bank to customers and from the customers to the bank. Clearly, this a disguised riba. In respect to the fiduciary security (dhaman), there is no difference between the both countries. The reasons for the adoption of the security is for the sake of prudentiality in financing disbursed to the customers.Keywords: Akad, Murabahah, Ba’i al-Inah, Dhaman
Perlindungan Hukum Nasabah sebagai Syarik dalam Pembiayaan Al Musyarakah di Bank Syariah Mandiri Bagya Agung Prabowo
Jurnal Hukum IUS QUIA IUSTUM Vol. 18 No. 1 (2011)
Publisher : Fakultas Hukum Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iustum.vol18.iss1.art5

Abstract

Musyarakah is a profit and loss sharing partnership. In Musyarakah financing, bank and customer contribute capital and skill in a project. The profit and loss will be normally divided based on the contribution. The discussed problem in this research is legal protection for customer in musyarakah financing and the legal status of guaranty and encumbrance in musyarakah financing of Yogyakarta Branch of Bank Syariah Mandiri. This research is a juridical empiric research. The secondary data is obtained by literary study from primary, secondary, and tertiary legal material. The result of this research showed that there must be equality in every transaction in Yogyakarta Branch of Bank Syariah Mandiri, because every financial process contains risk and profit in order to be a bound of trust which guarantees mudharib to find their obligation in the future as stipulated in musyarakah financing agreed before.Key words : Musyarakah, legal protection, equality
Pertimbangan Hakim dalam Penetapan Dispensasi Perkawinan Dini Akibat Hamil di Luar Nikah pada Pengadilan Agama Bantul Bagya Agung Prabowo
Jurnal Hukum IUS QUIA IUSTUM Vol. 20 No. 2: April 2013
Publisher : Fakultas Hukum Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iustum.vol20.iss2.art7

Abstract

This research aims to analyze the following issues: first, KHI or Compilation of Islamic Laws as a base of consideration for the judge to determine the dispensation towards early marriage – particularly the one due to the illegal pregnancy and second, the law implication towards the establishment of dispensation for the early marriage due to the illegal pregnancy at Religious Court in Bantul. This research is conducted using a field survey method along with the techniques of interview, observation and library research. The method of the research is a judicial-normative one. The result of the research shows that: first, the consideration of a judge in determining the dispensation of an early marriage is classified into two: legal consideration and public equity consideration. The legal consideration here means that when a judge issues his or her legal determination, it must be in accordance with the proposed legal arguments and evidences. Meanwhile, public equity consideration deals with fact that a marriage frequently is considered as an alternative solution for the coming social issues. Another consideration of a judge is that the one who will get married is the biological father of the infant conceived. Second, the dispensation of the early marriage needs to be more tightened in consideration to the increasing underage marriage.
Otoritas dan Pola Pengawasan Perbankan Syariah di Indonesia Bagya Agung Prabowo
Jurnal Hukum IUS QUIA IUSTUM Vol. 10 No. 24: September 2003
Publisher : Fakultas Hukum Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iustum.vol10.iss24.art4

Abstract

The monetary crisis in Indonesia has shown that the syariah banking proves that it has the significant endurance. For law protection interest for customers, syariah banking need thesupervision authority for two both aspects. The first is banking administrative supervision, and the second is the syariah supervision. This task is actually takenby the institution of authority consent of supervision (Bl or OJK), because the effectiveness of syariah depends greatly on the sanction available. Through single supervision pattern, the dualism of guidance and counseling for banking in Indonesia is deni able. The syariah protection for the customers can as well as be taken by optimalization of the National Syariah Board and Syariah Supervision Board.
Konstruksi Hukum Pembiayaan Al Qardh Al Hasan Pada Bank Syariah (Studi Kasus Pada Bank Syariah Mandiri Cabang Yogyakarta) Bagya Agung Prabowo
Jurnal Hukum IUS QUIA IUSTUM Vol. 12 No. 29: Mei 2005
Publisher : Fakultas Hukum Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iustum.vol12.iss29.art11

Abstract

The legally binding of a collateral contract on the Al Qardh Al Hasan on The MandiriSyariah Bank in Yogyakarta indicates that the rules of Syariah does not regulate what kinds of collateral contracts. The procedure of collateral contract must be based on the rules of conventional law applied as apublic regulation which legally binding to all Syariah Bank in Indonesia.
Aspek Hukum Pengawasan pada Perbankan Syariah di Indonesia Bagya Agung Prabowo
Jurnal Hukum IUS QUIA IUSTUM Vol. 10 No. 22: Januari 2003
Publisher : Fakultas Hukum Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iustum.vol10.iss22.art13

Abstract

Islamic Banking can only developed if investor and customers prefer to use Islamic Banks over conventional bank. The Islamic Banks are required to consider the interests of both investor and customers, as well as the need to maintains their trust In order to promote the Islamic Banking credibility; the Islamic Banking needs a direct control from the Bl (Bank Indonesia) and the DPS (Dewan Pengawas Syariah). This mechanism is very important In one hand Bl as control bank in Indonesia can maintain and control CAR (Capita Adequate Ratio) on theother hand, the DPS has as authority to control subtansial aspects of syariah.
Peranan Dewan Pengawas Syariah terhadap Praktik Kepatuhan Syariah dalam Perbankan Syariah di Indonesia Bagya Agung Prabowo; Jasri Bin Jamal
Jurnal Hukum IUS QUIA IUSTUM Vol. 24 No. 1: JANUARI 2017
Publisher : Fakultas Hukum Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iustum.vol24.iss1.art6

Abstract

This research is to analyze the role of DPS (Dewan Pengawas Syariah or Sharia Supervisory Board) towards the practice of sharia obedience with the perspective of customer protection in sharia banking in Indonesia. This research adopted the analysis method based upon the doctrinal content by applying four types of legal approach including:  (i) history; (ii) Fiqh/philosophy; (iii) comparison and (iv) analysis and critical. In addition, the approach alignment is also needed for the legislative alignment with Islamic philosophy and customer protection philosophy. The result of the research concluded that any violation in sharia obedience neglected by DPS will negatively impact the image and credibility of sharia banking to public; thus, it can bring an impact on the public trust. For this reason, the roles of DPS in sharia banking needs to be optimized, for instance related to the qualification of DPS appointment must be tighter and the support to its roles must be realized in sharia banking. DSN MUI as an institution issuing the fatwa (binding ruling) can make the coordination and equalize the perception with the DPS posted in sharia banks in Indonesia in supervising the operation of sharia bank to make it really playing a role and ready to run its task as the DPS.