{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff31507\deff0\stshfdbch31506\stshfloch31506\stshfhich31506\stshfbi31507\deflang1033\deflangfe1041\themelang1057\themelangfe1041\themelangcs1025{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}
{\f2\fbidi \fmodern\fcharset0\fprq1{\*\panose 02070309020205020404}Courier New;}{\f11\fbidi \fmodern\fcharset128\fprq1{\*\panose 02020609040205080304}MS Mincho{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}
{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 00000000000000000000}Cambria Math;}{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\f39\fbidi \froman\fcharset0\fprq2{\*\panose 00000000000000000000}Cambria;}
{\f41\fbidi \froman\fcharset0\fprq2{\*\panose 00000000000000000000}Book Antiqua;}{\f42\fbidi \fswiss\fcharset0\fprq2{\*\panose 00000000000000000000}Arial Narrow;}{\f44\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604030504040204}Tahoma;}
{\f46\fbidi \fmodern\fcharset128\fprq1{\*\panose 02020609040205080304}@MS Mincho;}{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbmajor\f31501\fbidi \fmodern\fcharset128\fprq1{\*\panose 020b0609070205080204}MS Gothic{\*\falt \'82\'6c\'82\'72 \'83\'53\'83\'56\'83\'62\'83\'4e};}{\fhimajor\f31502\fbidi \froman\fcharset0\fprq2{\*\panose 00000000000000000000}Cambria;}
{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbminor\f31505\fbidi \fmodern\fcharset128\fprq1{\*\panose 02020609040205080304}MS Mincho{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\fbiminor\f31507\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}{\f48\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\f49\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\f51\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f52\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f53\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\f54\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\f55\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f56\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f58\fbidi \fswiss\fcharset238\fprq2 Arial CE;}{\f59\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}
{\f61\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\f62\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f63\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}{\f64\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}
{\f65\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\f66\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\f68\fbidi \fmodern\fcharset238\fprq1 Courier New CE;}{\f69\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr;}
{\f71\fbidi \fmodern\fcharset161\fprq1 Courier New Greek;}{\f72\fbidi \fmodern\fcharset162\fprq1 Courier New Tur;}{\f73\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew);}{\f74\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic);}
{\f75\fbidi \fmodern\fcharset186\fprq1 Courier New Baltic;}{\f76\fbidi \fmodern\fcharset163\fprq1 Courier New (Vietnamese);}{\f160\fbidi \fmodern\fcharset0\fprq1 MS Mincho Western{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}
{\f158\fbidi \fmodern\fcharset238\fprq1 MS Mincho CE{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}{\f159\fbidi \fmodern\fcharset204\fprq1 MS Mincho Cyr{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}
{\f161\fbidi \fmodern\fcharset161\fprq1 MS Mincho Greek{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}{\f162\fbidi \fmodern\fcharset162\fprq1 MS Mincho Tur{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}
{\f165\fbidi \fmodern\fcharset186\fprq1 MS Mincho Baltic{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}{\f388\fbidi \froman\fcharset238\fprq2 Cambria Math CE;}{\f389\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr;}
{\f391\fbidi \froman\fcharset161\fprq2 Cambria Math Greek;}{\f392\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f395\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}{\f396\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese);}
{\f418\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\f419\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\f421\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\f422\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}
{\f425\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\f426\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\f438\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\f439\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}
{\f441\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\f442\fbidi \froman\fcharset162\fprq2 Cambria Tur;}{\f445\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\f446\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}
{\f458\fbidi \froman\fcharset238\fprq2 Book Antiqua CE;}{\f459\fbidi \froman\fcharset204\fprq2 Book Antiqua Cyr;}{\f461\fbidi \froman\fcharset161\fprq2 Book Antiqua Greek;}{\f462\fbidi \froman\fcharset162\fprq2 Book Antiqua Tur;}
{\f465\fbidi \froman\fcharset186\fprq2 Book Antiqua Baltic;}{\f468\fbidi \fswiss\fcharset238\fprq2 Arial Narrow CE;}{\f469\fbidi \fswiss\fcharset204\fprq2 Arial Narrow Cyr;}{\f471\fbidi \fswiss\fcharset161\fprq2 Arial Narrow Greek;}
{\f472\fbidi \fswiss\fcharset162\fprq2 Arial Narrow Tur;}{\f475\fbidi \fswiss\fcharset186\fprq2 Arial Narrow Baltic;}{\f488\fbidi \fswiss\fcharset238\fprq2 Tahoma CE;}{\f489\fbidi \fswiss\fcharset204\fprq2 Tahoma Cyr;}
{\f491\fbidi \fswiss\fcharset161\fprq2 Tahoma Greek;}{\f492\fbidi \fswiss\fcharset162\fprq2 Tahoma Tur;}{\f493\fbidi \fswiss\fcharset177\fprq2 Tahoma (Hebrew);}{\f494\fbidi \fswiss\fcharset178\fprq2 Tahoma (Arabic);}
{\f495\fbidi \fswiss\fcharset186\fprq2 Tahoma Baltic;}{\f496\fbidi \fswiss\fcharset163\fprq2 Tahoma (Vietnamese);}{\f497\fbidi \fswiss\fcharset222\fprq2 Tahoma (Thai);}{\f510\fbidi \fmodern\fcharset0\fprq1 @MS Mincho Western;}
{\f508\fbidi \fmodern\fcharset238\fprq1 @MS Mincho CE;}{\f509\fbidi \fmodern\fcharset204\fprq1 @MS Mincho Cyr;}{\f511\fbidi \fmodern\fcharset161\fprq1 @MS Mincho Greek;}{\f512\fbidi \fmodern\fcharset162\fprq1 @MS Mincho Tur;}
{\f515\fbidi \fmodern\fcharset186\fprq1 @MS Mincho Baltic;}{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbmajor\f31520\fbidi \fmodern\fcharset0\fprq1 MS Gothic Western{\*\falt \'82\'6c\'82\'72 \'83\'53\'83\'56\'83\'62\'83\'4e};}{\fdbmajor\f31518\fbidi \fmodern\fcharset238\fprq1 MS Gothic CE{\*\falt \'82\'6c\'82\'72 \'83\'53\'83\'56\'83\'62\'83\'4e};}
{\fdbmajor\f31519\fbidi \fmodern\fcharset204\fprq1 MS Gothic Cyr{\*\falt \'82\'6c\'82\'72 \'83\'53\'83\'56\'83\'62\'83\'4e};}{\fdbmajor\f31521\fbidi \fmodern\fcharset161\fprq1 MS Gothic Greek{\*\falt \'82\'6c\'82\'72 \'83\'53\'83\'56\'83\'62\'83\'4e};}
{\fdbmajor\f31522\fbidi \fmodern\fcharset162\fprq1 MS Gothic Tur{\*\falt \'82\'6c\'82\'72 \'83\'53\'83\'56\'83\'62\'83\'4e};}{\fdbmajor\f31525\fbidi \fmodern\fcharset186\fprq1 MS Gothic Baltic{\*\falt \'82\'6c\'82\'72 \'83\'53\'83\'56\'83\'62\'83\'4e};}
{\fhimajor\f31528\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\fhimajor\f31529\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\fhimajor\f31531\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\fhimajor\f31532\fbidi \froman\fcharset162\fprq2 Cambria Tur;}
{\fhimajor\f31535\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\fhimajor\f31536\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbminor\f31560\fbidi \fmodern\fcharset0\fprq1 MS Mincho Western{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}{\fdbminor\f31558\fbidi \fmodern\fcharset238\fprq1 MS Mincho CE{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}
{\fdbminor\f31559\fbidi \fmodern\fcharset204\fprq1 MS Mincho Cyr{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}{\fdbminor\f31561\fbidi \fmodern\fcharset161\fprq1 MS Mincho Greek{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}
{\fdbminor\f31562\fbidi \fmodern\fcharset162\fprq1 MS Mincho Tur{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}{\fdbminor\f31565\fbidi \fmodern\fcharset186\fprq1 MS Mincho Baltic{\*\falt \'82\'6c\'82\'72 \'96\'be\'92\'a9};}
{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}
{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \fswiss\fcharset238\fprq2 Arial CE;}
{\fbiminor\f31579\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}{\fbiminor\f31581\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\fbiminor\f31582\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\fbiminor\f31583\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}
{\fbiminor\f31584\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}{\fbiminor\f31585\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\fbiminor\f31586\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}}{\colortbl;\red0\green0\blue0;\red0\green0\blue255;
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\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;\chyperlink\ctint255\cshade255\red0\green0\blue255;\red96\green94\blue92;\red225\green223\blue221;\ctextone\ctint255\cshade255\red0\green0\blue0;}{\*\defchp 
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\sbasedon0 \snext0 \sunhideused \spriority37 \styrsid1660714 Bibliography;}{\*\ts21\tsrowd\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1057\langfe1033\cgrid\langnp1057\langfenp1033 \sbasedon11 \snext21 \spriority39 \styrsid1660714 
Table Grid;}{\*\cs22 \additive \rtlch\fcs1 \ab\af31503\afs32 \ltrch\fcs0 \b\fs32\lang1033\langfe0\kerning32\loch\f31502\hich\af31502\dbch\af31501\langnp1033 \sbasedon10 \slink1 \slocked \spriority9 \styrsid13791530 Heading 1 Char;}{\*\cs23 \additive 
\rtlch\fcs1 \ab\ai\af31503\afs28 \ltrch\fcs0 \b\i\fs28\lang1033\langfe0\loch\f31502\hich\af31502\dbch\af31501\langnp1033 \sbasedon10 \slink2 \slocked \ssemihidden \spriority9 \styrsid13791530 Heading 2 Char;}{\*\cs24 \additive \rtlch\fcs1 
\ab\af31503\afs26 \ltrch\fcs0 \b\fs26\lang1033\langfe0\loch\f31502\hich\af31502\dbch\af31501\langnp1033 \sbasedon10 \slink3 \slocked \spriority9 \styrsid13791530 Heading 3 Char;}{\*\cs25 \additive \rtlch\fcs1 \ab\af0\afs28 \ltrch\fcs0 
\b\fs28\lang1033\langfe0\dbch\af31505\langnp1033 \sbasedon10 \slink4 \slocked \ssemihidden \spriority9 \styrsid13791530 Heading 4 Char;}{\*\cs26 \additive \rtlch\fcs1 \ab\ai\af0\afs26 \ltrch\fcs0 \b\i\fs26\lang1033\langfe0\dbch\af31505\langnp1033 
\sbasedon10 \slink5 \slocked \spriority9 \styrsid13791530 Heading 5 Char;}{\*\cs27 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\lang1033\langfe0\langnp1033 \sbasedon10 \slink6 \slocked \spriority0 \styrsid13791530 Heading 6 Char;}{\*\cs28 \additive 
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\lang1033\langfe0\dbch\af31505\langnp1033 \sbasedon10 \slink7 \slocked \ssemihidden \spriority9 \styrsid13791530 Heading 7 Char;}{\*\cs29 \additive \rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\i\fs24\lang1033\langfe0\dbch\af31505\langnp1033 \sbasedon10 \slink8 \slocked \ssemihidden \spriority9 \styrsid13791530 Heading 8 Char;}{\*\cs30 \additive \rtlch\fcs1 \af31503 \ltrch\fcs0 \lang1033\langfe0\loch\f31502\hich\af31502\dbch\af31501\langnp1033 
\sbasedon10 \slink9 \slocked \ssemihidden \spriority9 \styrsid13791530 Heading 9 Char;}{\s31\ql \li0\ri0\widctlpar\tqc\tx4153\tqr\tx8306\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\f31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext31 \slink32 \sunhideused \styrsid13791530 header;}{\*\cs32 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 
\sbasedon10 \slink31 \slocked \styrsid13791530 Header Char;}{\s33\ql \li0\ri0\widctlpar\tqc\tx4153\tqr\tx8306\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\f31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext33 \slink34 \sunhideused \styrsid13791530 footer;}{\*\cs34 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 
\sbasedon10 \slink33 \slocked \styrsid13791530 Footer Char;}{\s35\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af44\afs16\alang1025 \ltrch\fcs0 
\fs16\lang1033\langfe1033\loch\f44\hich\af44\dbch\af31505\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext35 \slink36 \ssemihidden \sunhideused \styrsid13791530 Balloon Text;}{\*\cs36 \additive \rtlch\fcs1 \af44\afs16 \ltrch\fcs0 \f44\fs16 
\sbasedon10 \slink35 \slocked \ssemihidden \styrsid13791530 Balloon Text Char;}{\s37\ql \li0\ri0\widctlpar
\tx916\tx1832\tx2748\tx3664\tx4580\tx5496\tx6412\tx7328\tx8244\tx9160\tx10076\tx10992\tx11908\tx12824\tx13740\tx14656\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af2\afs20\alang1025 \ltrch\fcs0 
\f2\fs20\lang1033\langfe1057\cgrid\langnp1033\langfenp1057 \sbasedon0 \snext37 \slink38 \sunhideused \styrsid13791530 HTML Preformatted;}{\*\cs38 \additive \rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\lang0\langfe1057\langfenp1057 
\sbasedon10 \slink37 \slocked \styrsid13791530 HTML Preformatted Char;}{\s39\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\f37\hich\af37\dbch\af37\cgrid\langnp1033\langfenp1033 \snext39 \sqformat \spriority1 \styrsid13791530 No Spacing;}{\*\cs40 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf17 \sbasedon10 \sunhideused \styrsid13791530 Hyperlink;}
{\*\ts41\tsrowd\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon11 \snext21 \spriority59 \styrsid13896115 
Table Grid1;}{\*\ts42\tsrowd\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon11 \snext21 \spriority59 \styrsid13896115 
Table Grid2;}{\*\ts43\tsrowd\trbrdrt\brdrs\brdrw10\brdrcf1 \trbrdrl\brdrs\brdrw10\brdrcf1 \trbrdrb\brdrs\brdrw10\brdrcf1 \trbrdrr\brdrs\brdrw10\brdrcf1 \trbrdrh\brdrs\brdrw10\brdrcf1 \trbrdrv\brdrs\brdrw10\brdrcf1 
\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon11 \snext21 \spriority59 \styrsid13896115 
Table Grid3;}{\s44\ql \li0\ri0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\cf1\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \snext44 \spriority0 \styrsid9789825 
Default;}{\*\cs45 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b \sbasedon10 \sqformat \spriority22 \styrsid9789825 Strong;}{\*\cs46 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \spriority0 \styrsid8938199 remarkable-pre-marked;}{\*\cs47 \additive 
\super \spriority0 \styrsid8938199 Footnote Characters;}{\*\cs48 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \spriority0 \styrsid8938199 hps;}{\*\cs49 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \spriority0 \styrsid8938199 atn;}{\*\cs50 
\additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \spriority0 \styrsid8938199 mw-headline;}{\*\cs51 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \spriority0 \styrsid8938199 apple-converted-space;}{\*\cs52 \additive \i 
\sqformat \spriority20 \styrsid8938199 Emphasis;}{\*\cs53 \additive \b\i0\f39\fs36\cf1 \spriority0 \styrsid8938199 fontstyle01;}{\*\cs54 \additive \spriority0 \styrsid8938199 y2iqfc;}{\*\cs55 \additive \ssemihidden \sunhideused \styrsid8938199 
line number;}{\*\cs56 \additive \spriority0 \styrsid8938199 markedcontent;}{\s57\ql \li0\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang14345\langfe14345\cgrid\langnp14345\langfenp14345 \sbasedon0 \snext57 \sunhideused \styrsid9118874 Normal (Web);}{\*\cs58 \additive \rtlch\fcs1 \af0\afs16 \ltrch\fcs0 \fs16 \sbasedon10 \ssemihidden \sunhideused \styrsid4802412 
annotation reference;}{\*\cs59 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \cf18\chshdng0\chcfpat0\chcbpat19 \sbasedon10 \ssemihidden \sunhideused \styrsid11684106 Unresolved Mention;}}{\*\listtable{\list\listtemplateid1294654254\listhybrid{\listlevel
\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li720\lin720 }{\listlevel\levelnfc4\levelnfcn4
\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2
\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0
\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li6480\lin6480 }{\listname ;}\listid46345023}{\list\listtemplateid546968640\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid69271577\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li720\lin720 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid69271577\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\levelspace0\levelindent0
{\leveltext\leveltemplateid69271579\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid69271567\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid69271577\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid69271579\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid69271567\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid69271577\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid69271579\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li6480\lin6480 }{\listname ;}\listid65496055}{\list\listtemplateid18523184\listhybrid{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li720\lin720 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext
\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li6480\lin6480 }{\listname ;}\listid109976376}{\list\listtemplateid-1830809864\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1428\lin1428 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0
\levelindent0{\leveltext\leveltemplateid69271577\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li2148\lin2148 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\leveltemplateid69271579\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2868\lin2868 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid69271567
\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li3588\lin3588 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid69271577\'02\'04.;}{\levelnumbers\'01;}
\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li4308\lin4308 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid69271579\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-180\li5028\lin5028 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid69271567\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li5748\lin5748 }
{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid69271577\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li6468\lin6468 }{\listlevel\levelnfc2\levelnfcn2
\leveljc2\leveljcn2\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid69271579\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li7188\lin7188 }{\listname ;}\listid189032186}{\list\listtemplateid822636800
\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid441581706\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li1080\lin1080 }{\listlevel
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\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li2520\lin2520 }{\listlevel\levelnfc0\levelnfcn0\leveljc0
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\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2518562 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 
{\field\fldedit{\*\fldinst {\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \cs40\i\f42\fs16\insrsid4416210 \hich\af42\dbch\af31505\loch\f42  HYPERLINK "http://doi.org/10.22373/jose.v4i2.3413" }}{\fldrslt {\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 
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\ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid1588612\charrsid2384994 
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\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42  }{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid10045128\charrsid2384994 
\hich\af42\dbch\af31505\loch\f42 30}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42  }{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 
\i\f42\fs16\insrsid10045128\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 September}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42  2023}{
\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 , Revision:}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid10045128\charrsid2384994 
\hich\af42\dbch\af31505\loch\f42  1}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid10045128\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 3}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 
\i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42  }{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid10045128\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 Oktober}{\rtlch\fcs1 
\ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42  2023}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid1588612\charrsid2384994 
\hich\af42\dbch\af31505\loch\f42 , Accepted:}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid10045128\charrsid2384994 \hich\af42\dbch\af31505\loch\f42  1}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 
\i\f42\fs16\insrsid10045128\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 5}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42  }{\rtlch\fcs1 
\ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid10045128\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 Oktober}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1588612\charrsid2384994 
\hich\af42\dbch\af31505\loch\f42  2023.
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1588612 {\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1588612\charrsid2384994 
\hich\af42\dbch\af31505\loch\f42 E-}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 ISSN:}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 
\i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42  2774-3543}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 ; }{\rtlch\fcs1 
\ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 P-}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid1588612\charrsid2384994 
\hich\af42\dbch\af31505\loch\f42 ISSN:}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42  2774-3551,
\par }\pard \ltrpar\ql \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1588612 {\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 
Copyright @2023. Published by Program Studi E}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 k}{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 
\i\f42\fs16\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 onomi }{\rtlch\fcs1 \ai\af31507\afs16 \ltrch\fcs0 \i\f42\fs16\lang1057\langfe1033\langnp1057\insrsid1588612\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 
Syariah Pascasarjana UIN Ar-Raniry}{\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid8093527\charrsid8093527 \hich\af31506\dbch\af31505\loch\f31506  }{\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid14682209 
\par }{\rtlch\fcs1 \af31507 \ltrch\fcs0 \insrsid1588612\charrsid8093527 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3488665 {\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 \b\f31502\fs28\insrsid3488665\charrsid3488665 \hich\af31502\dbch\af31505\loch\f31502 
SOCIOLOGICAL STUDY OF THE DEVELOPMENT OF ISLAMIC BANKING WITHIN THE LEGAL SYSTEM IN INDONESIA}{\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 \b\f31502\fs28\insrsid11936103\charrsid5645476 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11936103 {\rtlch\fcs1 \af31507\afs20 \ltrch\fcs0 \b\fs20\insrsid11936103\charrsid5645476 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7082570 {\rtlch\fcs1 \ab\af37\afs20 \ltrch\fcs0 \b\f37\fs20\insrsid3488665\charrsid3488665 \hich\af37\dbch\af31505\loch\f37 Muhammad Salim Kholili}
{\rtlch\fcs1 \ab\af37\afs20 \ltrch\fcs0 \b\f37\fs20\super\insrsid3488665\charrsid3488665 \hich\af37\dbch\af31505\loch\f37 1}{\rtlch\fcs1 \ab\af37\afs20 \ltrch\fcs0 \b\f37\fs20\insrsid11936103\charrsid5645476 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3488665 {\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\lang1057\langfe1033\langnp1057\insrsid3488665\charrsid3488665 {\*\bkmkstart _Hlk146969043}
\hich\af37\dbch\af31505\loch\f37 State \hich\af37\dbch\af31505\loch\f37 Islamic University Sunan Gunung Djati}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\insrsid3488665\charrsid3488665 \hich\af37\dbch\af31505\loch\f37 , Indonesia}{\rtlch\fcs1 
\af37\afs20 \ltrch\fcs0 \f37\fs20\insrsid3488665 {\*\bkmkend _Hlk146969043}
\par }{\rtlch\fcs1 \ab\af37\afs20 \ltrch\fcs0 \b\f37\fs20\insrsid16473173\charrsid3488665 \hich\af37\dbch\af31505\loch\f37 Tajul Arifin}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\super\insrsid16473173\charrsid3488665 
\par }{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\lang1057\langfe1033\langnp1057\insrsid3488665\charrsid3488665 \hich\af37\dbch\af31505\loch\f37 State Islamic University Sunan Gunung Djati}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 
\f37\fs20\insrsid3488665\charrsid3488665 \hich\af37\dbch\af31505\loch\f37 , Indonesia}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\lang1057\langfe1033\super\langnp1057\insrsid3488665\charrsid3488665 \hich\af37\dbch\af31505\loch\f37  }{\rtlch\fcs1 
\af37\afs20 \ltrch\fcs0 \f37\fs20\lang1057\langfe1033\super\langnp1057\insrsid3488665 
\par }{\rtlch\fcs1 \ab\af37\afs20 \ltrch\fcs0 \b\f37\fs20\insrsid16473173\charrsid3488665 \hich\af37\dbch\af31505\loch\f37 Abdal}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\lang1057\langfe1033\super\langnp1057\insrsid16473173\charrsid3488665 
\par }{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\lang1057\langfe1033\langnp1057\insrsid3488665\charrsid3488665 \hich\af37\dbch\af31505\loch\f37 State Islamic University Sunan Gunung Djati}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 
\f37\fs20\insrsid3488665\charrsid3488665 \hich\af37\dbch\af31505\loch\f37 , Indonesia}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\insrsid8938199 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5645476 {\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f37\fs20\insrsid5645476\charrsid5645476 
\par }\pard \ltrpar\qc \li288\ri230\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin230\lin288\itap0\pararsid7082570 {\rtlch\fcs1 \af37\afs16 \ltrch\fcs0 \f37\fs16\insrsid11936103\charrsid3488665 
\hich\af37\dbch\af31505\loch\f37 E-mail: }{\rtlch\fcs1 \ab\af37\afs16 \ltrch\fcs0 \b\f37\fs16\super\insrsid7082570\charrsid7082570 \hich\af37\dbch\af31505\loch\f37 1}{\field\fldedit{\*\fldinst {\rtlch\fcs1 \ai\af37\afs16 \ltrch\fcs0 
\cs40\f37\fs16\insrsid4416210 \hich\af37\dbch\af31505\loch\f37  HYPERLINK "mailto:skholili14@gmail.com" }}{\fldrslt {\rtlch\fcs1 \ai\af37\afs16 \ltrch\fcs0 \cs40\f37\fs16\insrsid3488665\charrsid3488665 \hich\af37\dbch\af31505\loch\f37 skholili14@gmail.com
}}}\sectd \ltrsect\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj {\rtlch\fcs1 \ai\af37\afs16 \ltrch\fcs0 \f37\fs16\insrsid3488665\charrsid3488665 
\hich\af37\dbch\af31505\loch\f37  }{\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 \f37\fs18\lang1057\langfe1033\langnp1057\insrsid8938199\charrsid3488665 
\par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6631903 {\rtlch\fcs1 \ab\ai\af37\afs18 \ltrch\fcs0 \b\f42\fs18\insrsid6631903\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 
ABSTRACT}{\rtlch\fcs1 \ab\af37\afs18 \ltrch\fcs0 \b\f42\fs18\insrsid6631903\charrsid2384994 
\par }\pard \ltrpar\qj \li850\ri648\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin648\lin850\itap0\pararsid2232163 {\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \f42\fs18\insrsid2232163\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 
The development of Islamic Financial Institutions (LKS), particularly Islamic banks, in Indonesia has seen significant growth, especially following the enactment of Law No. 21 of 2008 on Islamic Banking and Supreme Court Regulation (PERMA) No. 2 o
\hich\af42\dbch\af31505\loch\f42 
f 2008 on Shariah Economic Dispute Resolution. With the increasing number of institutions operating based on Shariah principles, various new issues related to Shariah compliance have arisen. Fatwas issued by the DSN-MUI hold legal authority in determining
\hich\af42\dbch\af31505\loch\f42  \hich\af42\dbch\af31505\loch\f42 
Shariah aspects in the economy, including banking. On the other hand, Shariah Economic Dispute Resolution (KHES) plays a role as a social control tool to manage practices not compliant with Islamic commercial law, especially in economics. This research, a
\hich\af42\dbch\af31505\loch\f42  \hich\af42\dbch\af31505\loch\f42 
descriptive qualitative study with a normative sociological approach, utilizes codified legal sources like KHES and DSN-MUI fatwas. The results suggest that KHES was developed as a response to the evolving landscape of Shariah economic practices requiring
\hich\af42\dbch\af31505\loch\f42  \hich\af42\dbch\af31505\loch\f42 
a legal framework. Stakeholders in Shariah economics and finance are expected to actively contribute to its improvement. DSN-MUI fatwas, in a social context, provide a solution for addressing non-compliant financial institutions, reconciling differences a
\hich\af42\dbch\af31505\loch\f42 m\hich\af42\dbch\af31505\loch\f42 ong scholars, and promoting Islamic principles in economics and finance}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \i\f0\fs18\insrsid11936103\charrsid2384994 .}{\rtlch\fcs1 \af0\afs18 
\ltrch\fcs0 \i\f0\fs18\insrsid13181764\charrsid2384994 
\par }\pard \ltrpar\qj \li850\ri648\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin648\lin850\itap0\pararsid13181764 {\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \i\f0\fs18\insrsid13181764\charrsid2384994 
\par }\pard \ltrpar\qj \li850\ri648\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin648\lin850\itap0\pararsid2384994 {\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 \b\i\f42\fs18\insrsid6631903\charrsid2384994 
\hich\af42\dbch\af31505\loch\f42 Keywords: }{\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 \b\i\f42\fs18\insrsid2232163\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 Sharia Banking, Sociological, Law, KHES, DSN MUI}{\rtlch\fcs1 \ab\ai\af31507\afs18 
\ltrch\fcs0 \b\i\f42\fs18\lang1057\langfe1033\langnp1057\insrsid7550050\charrsid2384994 .}{\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 \b\i\f42\fs18\lang1057\langfe1033\langnp1057\insrsid6631903\charrsid2384994 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \i\f0\fs18\insrsid2384994\charrsid2384994 
\par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8938199 {\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 \b\f42\fs18\lang1057\langfe1033\langnp1057\insrsid8938199\charrsid2384994 
\hich\af42\dbch\af31505\loch\f42 ABSTRAK}{\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 \f42\fs18\insrsid8938199\charrsid2384994 
\par }\pard \ltrpar\qj \li850\ri648\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin648\lin850\itap0\pararsid2232163 {\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 \f42\fs18\insrsid2232163\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 
Perkembangan Lembaga Keuangan Syariah (LKS), terutama bank syariah, di Indonesia terus mengalami peningkatan yang\hich\af42\dbch\af31505\loch\f42 
 signifikan, terutama setelah UU No. 21 Tahun 2008 tentang Perbankan Syariah dan PERMA No. 2 Tahun 2008 tentang KHES disahkan. Dengan semakin banyaknya Lembaga keuangan yang beroperasi dengan prinsip syariah, muncul berbagai masalah baru terkait dengan as
\hich\af42\dbch\af31505\loch\f42 p\hich\af42\dbch\af31505\loch\f42 
ek kesyariahan. Fatwa yang dikeluarkan oleh DSN-MUI memiliki otoritas hukum dalam menentukan aspek kesyariahan dalam ekonomi, termasuk dalam perbankan. Sementara itu, KHES berperan sebagai alat kontrol sosial untuk mengendalikan praktik yang tidak sesuai 
\hich\af42\dbch\af31505\loch\f42 d\hich\af42\dbch\af31505\loch\f42 
engan hukum muamalat, terutama dalam perekonomian. Penelitian ini adalah penelitian kualitatif yang bersifat deskriptif, dengan pendekatan sosiologis normatif yang mengacu pada sumber-sumber hukum terkodifikasi seperti KHES dan fatwa DSN-MUI. Hasil peneli
\hich\af42\dbch\af31505\loch\f42 t\hich\af42\dbch\af31505\loch\f42 
ian ini menunjukkan bahwa dari sudut pandang sosiologis, KHES disusun sebagai respons terhadap perkembangan praktik ekonomi syariah yang memerlukan kerangka hukum. Namun, para pelaku ekonomi dan keuangan syariah diharapkan juga berperan aktif dalam memper
\hich\af42\dbch\af31505\loch\f42 b\hich\af42\dbch\af31505\loch\f42 
aiki dan menyempurnakan KHES ini. Selain itu, fatwa DSN-MUI dalam konteks sosial merupakan solusi bagi masyarakat dalam menghadapi lembaga keuangan yang tidak sesuai dengan prinsip syariah, menyatukan perbedaan pandangan ulama, dan mendorong penerapan aja
\hich\af42\dbch\af31505\loch\f42 r\hich\af42\dbch\af31505\loch\f42 an Islam dalam ekonomi dan keuangan}{\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 \f42\fs18\insrsid11936103\charrsid2384994 .}{\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 
\f42\fs18\insrsid3754013\charrsid2384994 
\par }\pard \ltrpar\qj \li850\ri648\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin648\lin850\itap0\pararsid3754013 {\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 \f42\fs18\insrsid3754013\charrsid2384994 
\par }\pard \ltrpar\qj \li850\ri648\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin648\lin850\itap0\pararsid2232163 {\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 \b\i\f42\fs18\insrsid8938199\charrsid2384994 
\hich\af42\dbch\af31505\loch\f42 Kata}{\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 \b\i\f42\fs18\lang1057\langfe1033\langnp1057\insrsid8938199\charrsid2384994 \hich\af42\dbch\af31505\loch\f42  }{\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 
\b\i\f42\fs18\lang1057\langfe1033\langnp1057\insrsid2838520\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 kunci:}{\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 \b\i\f42\fs18\insrsid8938199\charrsid2384994 \hich\af42\dbch\af31505\loch\f42  }{\rtlch\fcs1 
\ab\ai\af31507\afs18 \ltrch\fcs0 \b\i\f42\fs18\insrsid2232163\charrsid2384994 \hich\af42\dbch\af31505\loch\f42 Perbankan Syariah, Sosiologis, Undang Undang, KHES, DSN MUI}{\rtlch\fcs1 \ab\ai\af31507\afs18 \ltrch\fcs0 
\b\i\f42\fs18\insrsid2906245\charrsid2384994 .}{\rtlch\fcs1 \af37\afs18 \ltrch\fcs0 \f42\fs18\insrsid6631903\charrsid2384994 
\par }\pard \ltrpar\qj \li0\ri0\sl276\slmult1\widctlpar\tx5205\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9462161 {\rtlch\fcs1 \ab\ai\af31507\afs24 \ltrch\fcs0 \b\i\f42\fs24\lang1057\langfe1033\langnp1057\insrsid9462161 \tab }{
\rtlch\fcs1 \ab\ai\af31507\afs24 \ltrch\fcs0 \b\i\f42\fs24\lang1057\langfe1033\langnp1057\insrsid4074016\charrsid4074016 
\par }\pard \ltrpar\qj \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4074016 {\rtlch\fcs1 \ab\ai\af31507\afs24 \ltrch\fcs0 \b\i\f42\fs24\lang1057\langfe1033\langnp1057\insrsid4074016\charrsid4074016 

\par }\pard \ltrpar\qj \li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid4540849 {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid13908921\charrsid13908921 
\hich\af31502\dbch\af31505\loch\f31502 INTRODUCTION}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid8938199\charrsid8938199 
\par }\pard \ltrpar\qj \fi720\li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid2626652 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid13908921\charrsid13908921 
\hich\af31502\dbch\af31505\loch\f31502 According to Pancasila and the 1945 Constitution of the Republic of Indonesia, the primary goal of national development is to \hich\af31502\dbch\af31505\loch\f31502 
create a just and prosperous society through a fair economic system based on the principles of economic democracy. To ensure the realization of this economic democracy, all the potential, initiatives, and creativity of the community must be mobilized and 
\hich\af31502\dbch\af31505\loch\f31502 f\hich\af31502\dbch\af31505\loch\f31502 
ully developed while keeping the common interest in mind. The aim is to channel all existing economic potentials into tangible economic strength for the betterment of the people's well-being}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp1057\insrsid3497013\charrsid3497013 .}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid2626652 \hich\af31502\dbch\af31505\loch\f31502  }{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid13908921\charrsid13908921 \hich\af31502\dbch\af31505\loch\f31502 In the effort to achieve this goal, the implementation of econom\hich\af31502\dbch\af31505\loch\f31502 
ic development must pay special attention to the harmony, compatibility, and balance among elements such as development equity, economic growth, and national stability. One of the institutions that plays a strategic role in achieving this harmony, compati
\hich\af31502\dbch\af31505\loch\f31502 b\hich\af31502\dbch\af31505\loch\f31502 ility, and balance in the development trilogy is the banking sector}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid13908921 .}{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid2626652 \hich\af31502\dbch\af31505\loch\f31502  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp1057\insrsid13908921\charrsid13908921 \hich\af31502\dbch\af31505\loch\f31502 
Banking refers to aspects related to banks, including institutional structure, economic activities undertaken, and the methods and procedures used in conducting their business operations.\hich\af31502\dbch\af31505\loch\f31502 
 In simpler terms, a bank can be described as a financial entity responsible for collecting funds from individuals or the general public, then reallocating these funds to the community while providing various additional financial services}{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid13908921 .}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\super\chshdng0\chcfpat0\chcbpat8\langnp1057\insrsid13908921\charrsid13908921 \chftn {\footnote 
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35","publisher":"Rajawali Press","publisher-place":"Depok","source":"Google Books","title":"Dasar-dasar perbankan","author":[\{"family":"Kasmir","given":"SE"\}],"issued":\{"date-parts":[["2018"]]\}\},"locator":"3","label":"page"\}
],"schema":"https://github.com/\hich\af31503\dbch\af31505\loch\f31503 c\hich\af31503\dbch\af31505\loch\f31503 itation-style-language/schema/raw/master/csl-citation.json"\} }}{\fldrslt {\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 
\f31503\insrsid13908921\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 SE Kasmir, }{\rtlch\fcs1 \ai\af31503\afs24 \ltrch\fcs0 \i\f31503\insrsid13908921\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Dasar-dasar perbankan}{\rtlch\fcs1 
\af31503\afs24 \ltrch\fcs0 \f31503\insrsid13908921\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  (Depok: Rajawali Press, 2018), 3.}}}\sectd \ltrsect
\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj }}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid13908921\charrsid13908921 
\hich\af31502\dbch\af31505\loch\f31502  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp1057\insrsid13908921\charrsid2626652 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp1057\insrsid13908921\charrsid13908921 \hich\af31502\dbch\af31505\loch\f31502 In terms of \hich\af31502\dbch\af31505\loch\f31502 
types of banks based on their business activities, we can distinguish between conventional banks and Shariah banks in Indonesia. According to Law No. 21 of 2008, conventional banks are financial institutions that operate in a traditional manner, while Sha
\hich\af31502\dbch\af31505\loch\f31502 r\hich\af31502\dbch\af31505\loch\f31502 
iah banks conduct their business based on Islamic principles. These Islamic principles refer to the principles of Islamic law in banking activities, which are regulated by fatwas issued by the National Shariah Board of the Indonesian Ulema Council (MUI)}{
\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid13908921 .}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\super\chshdng0\chcfpat0\chcbpat8\langnp1057\insrsid13908921\charrsid13908921 
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"citationID":"CAP9EaKA","properties":\{"formattedCitation":"Benny Djaja, \{\\\\i\{\}Hukum Perbankan\} (Penerbit Andi, 2020), 120.","plainCitation":"Benny Djaja, Hukum Perbankan (Penerbit Andi, 2020), 120.","noteIndex":2\},"citatio
\hich\af31503\dbch\af31505\loch\f31503 n\hich\af31503\dbch\af31505\loch\f31503 Items":[\{"id":712,"uris":["http://zotero.org/users/10562964/items/EKMDE8QJ"],"itemData":\{
"id":712,"type":"book","abstract":"Buku ini memuat pengetahuan mengenai sejarah perbankan di Indonesia, perbandingan bank konvensional dan bank syariah, perbankan sya\hich\af31503\dbch\af31505\loch\f31503 r\hich\af31503\dbch\af31505\loch\f31503 
iah di Indonesia, pendirian bank, usaha dan jasa-jasa perbankan, aspek hukum perkreditan bank, Bank Indonesia dan Otoritas Jasa Keuangan, tindak pidana di bidang perbankan dan money laundering, surat berharga komersial, dan Lembaga Penjamin Simpanan. Tuga
\hich\af31503\dbch\af31505\loch\f31503 s\hich\af31503\dbch\af31505\loch\f31503 
 jabatan sebagai Notaris dan Pejabat Pembuat Akta Tanah telah memberikan kepuasan batin kepada penulis sehingga buku ini sebagai salah satu wujud balas budi penulis terhadap tugas jabatan yang bermartabat, berwibawa, dan penuh tanggung jawab ini. Kemudian
\hich\af31503\dbch\af31505\loch\f31503  \hich\af31503\dbch\af31505\loch\f31503 
juga karena keinginan penulis untuk dapat berkontribusi dalam pengembangan ilmu hukum. Buku ini penulis tulis dengan harapan dapat memberi sekadar pegangan pengetahuan di bidang hukum perbankan.","ISBN":"9786230107801","language":"id","note":"Google-Books
-\hich\af31503\dbch\af31505\loch\f31503 ID: 3nkFEAAAQBAJ","number-of-pages":"178","publisher":"Penerbit Andi","source":"Google Books","title":"Hukum Perbankan","author":[\{"family":"Djaja","given":"Benny"\}],"issued":\{"date-parts":[["2020",12,23]]\}\}
,"locator":"120","label":"page"\}],"schema":"http\hich\af31503\dbch\af31505\loch\f31503 s\hich\af31503\dbch\af31505\loch\f31503 ://github.com/citation-style-language/schema/raw/master/csl-citation.json"\} }}{\fldrslt {\rtlch\fcs1 \af31503\afs24 
\ltrch\fcs0 \f31503\insrsid13908921\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Benny Djaja, }{\rtlch\fcs1 \ai\af31503\afs24 \ltrch\fcs0 \i\f31503\insrsid13908921\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Hukum Perbankan}{
\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\insrsid13908921\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  (Penerbit Andi, 2020), 120.}}}\sectd \ltrsect
\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj }}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid2626652 
\hich\af31502\dbch\af31505\loch\f31502  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid3960725\charrsid3960725 \hich\af31502\dbch\af31505\loch\f31502 
Data provided by the Financial Services Authority in 2017 indicated the existence of 13 Islamic commercial banks in Indonesia at that time, 21 Shariah business units that were part of conventional commercial banks, and 102 Shariah People's Financing Banks
}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid3960725 .\hich\af31502\dbch\af31505\loch\f31502  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid3960725\charrsid3960725 
\hich\af31502\dbch\af31505\loch\f31502 
The growth of Islamic banks in Indonesia is attributed to government support, especially since the enactment of Law No. 21 of 2008. Additionally, Shariah banks received legal certainty in dispute resolution after the passage of Law No. 3 of 2006, which am
\hich\af31502\dbch\af31505\loch\f31502 ended Law No. 7 of 1989 on Religious Courts, giving Religious Courts exclusive jurisdiction over cases involving Muslim individuals in the context of Shariah economics}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid3960725 .}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid2626652 \hich\af31502\dbch\af31505\loch\f31502  }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid3960725\charrsid3960725 \hich\af31502\dbch\af31505\loch\f31502 When the authority to adjudicate Shariah economic legal disputes was fully entrusted to\hich\af31502\dbch\af31505\loch\f31502 
 Religious Courts judges, comprehensive codification of Shariah economic law became necessary to ensure a strong legal foundation and clear standards for judges handling Shariah business dispute cases}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid3960725 .
\par }\pard \ltrpar\qj \fi720\li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid4540849 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp1057\insrsid3960725\charrsid3960725 \hich\af31502\dbch\af31505\loch\f31502 In the context of Islamic Courts, there may be differe\hich\af31502\dbch\af31505\loch\f31502 
nces of opinion in making decisions in cases of Sharia economics. Therefore, legal certainty becomes crucial as a foundation for decision-making in Islamic Courts. Given the flexible and diverse nature of the field of muamalah (Islamic commercial jurispru
\hich\af31502\dbch\af31505\loch\f31502 d\hich\af31502\dbch\af31505\loch\f31502 
ence), there is a significant potential for variations in rulings that can hinder the attainment of justice. Thus, there is a clear need to codify Sharia economic law in a book of Islamic civil law to ensure consistent guidance. On the other hand, challen
\hich\af31502\dbch\af31505\loch\f31502 g\hich\af31502\dbch\af31505\loch\f31502 
es to legal certainty in Sharia economics also arise from the overlapping jurisdictions between religious courts and civil courts, even after the enactment of Law Number 21 of 2008 on Islamic banking. This was evident in the dispute between customers and 
\hich\af31502\dbch\af31505\loch\f31502 B\hich\af31502\dbch\af31505\loch\f31502 
ank Muamalat Indonesia in 2012, which ultimately resulted in Constitutional Court Decision Number 93/PUU-X/2012, providing stronger legal certainty for Islamic Courts to adjudicate Sharia economic disputes}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid14948346 .}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\super\chshdng0\chcfpat0\chcbpat8\langnp1057\insrsid3960725\charrsid3960725 \chftn {\footnote \ltrpar 
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\f31503\insrsid3960725\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  }{\field{\*\fldinst {\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\insrsid3960725\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  ADDIN ZOTERO_ITEM CSL_CITATION \{
"citationID":"2A1QgKFD","properties":\{"formattedCitation":"Abdul Jalil, \\\\uc0\\\\u8220\{\}\hich\af31503\dbch\af31505\loch\f31503 Tumpang Tindih Kewenangan Dalam Penyelesaian Sengketa Perbankan Syariah,\\\\uc0\\\\u8221\{\} \{\\\\i\{\}Jurnal Konstitusi\}
\hich\f31503  10, no. 4 (2013): 640, https://doi.org/10.31078/jk1044.","plainCitation":"Abdul Jalil, \'93\loch\f31503 Tumpang Tindih Kewenangan Dalam Penyelesaian Sengketa \hich\af31503\dbch\af31505\loch\f31503 P\hich\af31503\dbch\af31505\loch\f31503 
\hich\f31503 erbankan Syariah,\'94\loch\f31503  Jurnal Konstitusi 10, no. 4 (2013): 640, https://doi.org/10.31078/jk1044.","noteIndex":3\},"citationItems":[\{"id":803,"uris":["http://zotero.org/users/10562964/items/26HKKFKW"],"itemData":\{
"id":803,"type":"article-journal","abstract":"Th\hich\af31503\dbch\af31505\loch\f31503 i\hich\af31503\dbch\af31505\loch\f31503 
s paper is going to discuss the decision of the Constitutional Court No. 93/ PUU-X/2012 related to granting of the petition for judicial review of Law No. 21 Year 2008 concerning Islamic Banking (State Gazette of the Republic of Indonesia Year\~ 2008\~
 Numb\hich\af31503\dbch\af31505\loch\f31503 e\hich\af31503\dbch\af31505\loch\f31503 r\~ 94,\~ namely\~ Article\~ 55\~ paragraph\~ (2)\~ and\~ paragraph (3)\~
governing the settlement of disputes with respect to Article 28D paragraph (1) of the 1945 Constitution, which says that the Act\~ should guarantee\~ legal\~ certainty and justice and do not hav\hich\af31503\dbch\af31505\loch\f31503 e
\hich\af31503\dbch\af31505\loch\f31503  binding legal force. While in Article 55 paragraph (1), described Sharia Banking Dispute resolution by the court within the Religious Courts, while paragraph (2), stated in terms of the parties\hich\f31503 \rquote 
\loch\f31503  dispute has betoken\~ than those referred to in paragraph (1\hich\af31503\dbch\af31505\loch\f31503 )\hich\af31503\dbch\af31505\loch\f31503 
, the settlement of disputes in accordance with the contents of the Agreement, then, in paragraph (3) Settlement of disputes referred to in paragraph (2) must not conflict with Sharia. In addition to this, the paper will also question the extent of absolu
\hich\af31503\dbch\af31505\loch\f31503 t\hich\af31503\dbch\af31505\loch\f31503 e authority of the Religious Courts institutions related to the settlement of economic disputes shari\hich\f31503 \rquote \loch\f31503 
a as stipulated in Law No. 3 of 2006 on Religious Courts\~\~ \~.","container-title":"Jurnal Konstitusi","DOI":"10.31078/jk1044","ISSN":"2548-1657","issue":"\hich\af31503\dbch\af31505\loch\f31503 4\hich\af31503\dbch\af31505\loch\f31503 
","language":"en","license":"Copyright (c) 2016 Jurnal Konstitusi","note":"number: 4","page":"627-648","source":"jurnalkonstitusi.mkri.id","title":"Tumpang Tindih Kewenangan dalam Penyelesaian Sengketa Perbankan Syariah","volume":"10","author":[\{
"family":\hich\af31503\dbch\af31505\loch\f31503 "\hich\af31503\dbch\af31505\loch\f31503 Jalil","given":"Abdul"\}],"issued":\{"date-parts":[["2013"]]\}\},"locator":"640","label":"page"\}
],"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"\} }}{\fldrslt {\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\insrsid3960725\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 \hich\f31503 Abdul Jalil, \'93
\loch\f31503 Tumpang Tindih Kewenangan Dalam Penyelesaian Sengketa Per\hich\af31503\dbch\af31505\loch\f31503 \hich\f31503 bankan Syariah,\'94\loch\f31503  }{\rtlch\fcs1 \ai\af31503\afs24 \ltrch\fcs0 \i\f31503\insrsid3960725\charrsid6100151 
\hich\af31503\dbch\af31505\loch\f31503 Jurnal Konstitusi}{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\insrsid3960725\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  10, no. 4 (2013): 640, https://doi.org/10.31078/jk1044.}}}\sectd \ltrsect
\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj }}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid13908921 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid14948346\charrsid14948346 \hich\af31502\dbch\af31505\loch\f31502 In Indonesia, Shariah economic law is generally \hich\af31502\dbch\af31505\loch\f31502 
available in the form of interpretations by religious scholars (fuqaha) or fatwas issued by the National Shariah Board of the Indonesian Ulema Council (DSN-MUI). Some of these fatwas have been adopted as part of Bank Indonesia regulations to govern legal 
\hich\af31502\dbch\af31505\loch\f31502 a\hich\af31502\dbch\af31505\loch\f31502 
spects in the context of Shariah economics. To address legislative gaps in this area and for dispute resolution purposes, the Supreme Court of the Republic of Indonesia issued Supreme Court Regulation No. 02 of 2008 concerning the Compilation of Shariah E
\hich\af31502\dbch\af31505\loch\f31502 c\hich\af31502\dbch\af31505\loch\f31502 onomic Law (KHES)}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid14948346 \hich\af31502\dbch\af31505\loch\f31502 . }{\rtlch\fcs1 
\af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid14948346\charrsid14948346 \hich\af31502\dbch\af31505\loch\f31502 
Furthermore, practitioners of Islamic economics, the public, and government regulators rely heavily on fatwas issued by DSN-MUI to ensure that products and operations of Islamic economic institutions in Indonesia comply with Shariah prin
\hich\af31502\dbch\af31505\loch\f31502 ciples}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid14948346 .
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid14948346\charrsid14948346 \hich\af31502\dbch\af31505\loch\f31502 
The enactment of Law Number 21 of 2008 on Islamic banking, strengthened by Constitutional Court Decision Number 93/PUU-X/2012, has granted authority to the Islamic Courts to resolve Sharia economic disputes. This has also given legal force to the f
\hich\af31502\dbch\af31505\loch\f31502 
atwas of the National Sharia Council of the Indonesian Ulema Council (DSN MUI) and the Compilation of Sharia Economic Law (KHES) as two of the primary references in Sharia economic transactions and dispute resolution. This, of course, will have an impact 
\hich\af31502\dbch\af31505\loch\f31502 o\hich\af31502\dbch\af31505\loch\f31502 
n the development of Sharia economics within the community. Therefore, this article aims to answer whether the provisions of the law related to Sharia economics have promoted or limited the growth of Sharia economics among the public. Additionally, this a
\hich\af31502\dbch\af31505\loch\f31502 r\hich\af31502\dbch\af31505\loch\f31502 ticle also analyzes the implications of the law on the development of Sharia economics within the community}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid14948346 .}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\cf1\chshdng0\chcfpat0\chcbpat8\insrsid4802412\charrsid609544 
\par }\pard \ltrpar\qj \li0\ri45\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin45\lin0\itap0\pararsid3289253 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp1057\insrsid15860555 
\par }{\rtlch\fcs1 \ab\af31507\afs24 \ltrch\fcs0 \b\f31502\fs24\lang1057\langfe1033\langnp1057\insrsid6631903 
\par }{\rtlch\fcs1 \ab\af31507\afs24 \ltrch\fcs0 \b\f31502\fs24\lang1057\langfe1033\langnp1057\insrsid5836363\charrsid7145372 
\par }\pard \ltrpar\ql \qk0\li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid6236423 {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid14373421\charrsid14373421 
\hich\af31502\dbch\af31505\loch\f31502 METHOD}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid12209104\charrsid16674636 
\par }\pard \ltrpar\qj \fi720\li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid6236423 {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 
\f31502\fs24\lang1057\langfe1033\langnp1057\insrsid14373421\charrsid14373421 \hich\af31502\dbch\af31505\loch\f31502 Legal research is a scientific process conducted following specific methods, structures, and specialized thinking. The purpose of this 
\hich\af31502\dbch\af31505\loch\f31502 research is to understand and analyze one or more specific legal aspects or legal phenomena}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\lang1057\langfe1033\super\langnp1057\insrsid14373421\charrsid14373421 
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\fs20\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31503 \ltrch\fcs0 \cs16\f31503\super\insrsid14373421\charrsid6100151 \chftn }{\rtlch\fcs1 \af31503 \ltrch\fcs0 
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ly":"Istanto","given":"Sugeng"\}],"issued":\{"date-parts":[["2007"]]\}\},"locator":"29","label":"page"\}],"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"\} }}{\fldrslt {\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 
\f31503\insrsid14373421\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Sugeng Istanto, }{\rtlch\fcs1 \ai\af31503\afs24 \ltrch\fcs0 \i\f31503\insrsid14373421\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Penelitian Hukum}{\rtlch\fcs1 
\af31503\afs24 \ltrch\fcs0 \f31503\insrsid14373421\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  (Yogyakarta: CV Ganda, 2007), 2\hich\af31503\dbch\af31505\loch\f31503 9.}}}\sectd \ltrsect
\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj }}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\lang1057\langfe1033\langnp1057\insrsid14373421\charrsid14373421 
\hich\af31502\dbch\af31505\loch\f31502 . In this research, a normative sociological legal research method is employed, grounded in a legislative approach. This approach emphasizes the analysis pattern an\hich\af31502\dbch\af31505\loch\f31502 
d law based on codified legal sources, including Law Number 21 of 2012 on Islamic banking, the Compilation of Sharia Economic Law (KHES), and fatwas from the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). The research utilizes a legal 
\hich\af31502\dbch\af31505\loch\f31502 s\hich\af31502\dbch\af31505\loch\f31502 
ociology method. Subsequently, the analysis is conducted using an economic science framework that links the sociological aspects of economic law with the codified sources of Islamic economic law, aiming to evaluate the extent of their application in socie
\hich\af31502\dbch\af31505\loch\f31502 t\hich\af31502\dbch\af31505\loch\f31502 y in an economic context}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid14373421 .}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid16674636 
\par }{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid14373421\charrsid14373421 \hich\af31502\dbch\af31505\loch\f31502 
In this research, data are derived from secondary sources, obtained from Law Number 21 of 2012, scientific journals, and legal literature. The data collection method applied is a literature review, and the data analysis technique 
\hich\af31502\dbch\af31505\loch\f31502 used is qualitative analysis}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid14373421 .
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\hich\af31502\dbch\af31505\loch\f31502 RESULTS AND DISCUSSION}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid9118874 
\par }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid14775169\charrsid14775169 \hich\af31502\dbch\af31505\loch\f31502 The History of Islamic Banking Development in the Indonesian Legal System}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 
\b\f31502\fs24\insrsid8807520\charrsid2838520 
\par }\pard\plain \ltrpar\s15\qj \fi720\li288\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid6236423\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\lang1057\langfe1033\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid14775169\charrsid14775169 
\hich\af31502\dbch\af37\loch\f31502 According to the Organization of the Islamic Conference, Islamic banking is a financial institution that adheres to Shariah \hich\af31502\dbch\af37\loch\f31502 
principles and has laws, regulations, and procedures that reflect a commitment to these principles. Furthermore, these institutions prohibit the acceptance and payment of interest in their operations}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
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\f31503\insrsid14775169\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  }{\field{\*\fldinst {\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\insrsid14775169\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  ADDIN ZOTERO_ITEM CSL_CITATION \{
"citationID":"VyGWhKmp","properties":\{"formattedCitation":"Veithzal Rivai, \{\\\\i\{\}Islamic banking\} (Bumi Aksara, 2010), 31.","plainCitation":"Veithzal Rivai, Islamic banking (Bumi Aksara, 2010), 31.","noteIndex":4\},"
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te":"Google-Books-ID: wfoWcgAACAAJ","number-of-pages":"1082","publisher":"Bumi Aksara","source":"Google Books","title":"Islamic banking","title-short":"Islamic banking","author":[\{"family":"Rivai","given":"Veithzal"\}],"issued":\{"date-parts":[["2010"]]
\}\},"\hich\af31503\dbch\af31505\loch\f31503 l\hich\af31503\dbch\af31505\loch\f31503 ocator":"31","label":"page"\}],"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"\} }}{\fldrslt {\rtlch\fcs1 \af31503\afs24 
\ltrch\fcs0 \f31503\insrsid14775169\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Veithzal Rivai, }{\rtlch\fcs1 \ai\af31503\afs24 \ltrch\fcs0 \i\f31503\insrsid14775169\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Islamic banking}{
\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\insrsid14775169\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  (Bumi Aksara, 2010), 31.}}}\sectd \ltrsect
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\hich\af31502\dbch\af37\loch\f31502  
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\lang1057\langfe1033\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid16585197\charrsid16585197 \hich\af31502\dbch\af37\loch\f31502 For a considerable period, Muslims, including those i
\hich\af31502\dbch\af37\loch\f31502 
n Indonesia, faced various challenges in realizing their economic potential and development. One of the reasons for this was a significant dualism issue between conventional and Shariah economies. This dualism emerged because Muslims encountered difficult
\hich\af31502\dbch\af37\loch\f31502 i\hich\af31502\dbch\af37\loch\f31502 es in reconciling two disciplines, namely economics and Shariah, which should ideally complement and enhance each other}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
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"citationID":"Rab78yKh","properties":\{"formattedCitation":"Muhammad Syafi\\\\uc0\\\\u8217\{\}i Antonio, \\\\uc0\\\\u8220\{\}Bisnis Dan Perbankan Dalam Perspektif Hukum Islam,\\\\uc0\\\\u8221\{\} \{\\\\i\{\}Al-Mawarid: Jurnal Hukum Islam\}, 1999, 
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In Indonesia, in accordance with the principles of Pancasila and the 1945 Constitution of the Republic of Indonesia, the primary goal of national development is to create a just and prosperous society through economic democracy. To achieve this, the focus
\hich\af31502\dbch\af37\loch\f31502  \hich\af31502\dbch\af37\loch\f31502 
is placed on developing an economic system based on fair market mechanisms. The implementation of national economic development aims to create an economy that supports the people, is equitable, self-reliant, robust, fair, and competitive in the global eco
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"id":714,"type":"book","abstract":"Melalui Undang-Undang Nomor 10 tahun 1998 tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan eksistensi dari Perbankan Syariah di Indonesia benar-benar telah diakui secara tegas.
\hich\af31503\dbch\af31505\loch\f31503 
 Hal ini tampak dalam kata-kata bank berdasarkan pada prinsip syariah. Dalam ketentuan Pasal 1 angka (13) disebutkan bahwa Prinsip Syariah adalah aturan perjanjian berdasarkan hukum Islam antara bank dengan pihak lain untuk menyimpan dana dan atau pembiay
\hich\af31503\dbch\af31505\loch\f31503 a\hich\af31503\dbch\af31505\loch\f31503 
an kegiatan usaha, atau kegiatan lainnya yang dinyatakan sesuai dengan syariah, antara lain pembiayaan berdasarkan prinsip bagi hasil (mudharabah), pembiayaan berdasarkan prinsip penyertaan modal (musharakah), prinsip jual beli barang dengan memperoleh ke
\hich\af31503\dbch\af31505\loch\f31503 u\hich\af31503\dbch\af31505\loch\f31503 
ntungan (murabahah), atau pembiayaan barang modal berdasarkan prinsip sewa murni tanpa pilihan (ijarah), atau dengan adanya pilihan pemindahan kepemilikan atas barang yang disewa dari pihak bak oleh pihak lain (ijarah wa iqtina).Dalam sengketa yang potens
\hich\af31503\dbch\af31505\loch\f31503 i\hich\af31503\dbch\af31505\loch\f31503 
al terjadi antara bank syariah dengan nasabah, juga telah terdapat pengaturan yaitu ketentuan tentang Badan Arbitras Syariah Nasional, maupun Undang-Undang Nomor 3 tahun 206 tentang Perubahan Atas Undang-Undang Nomor 7 tahun 1989 tentang Peradilan Agama y
\hich\af31503\dbch\af31505\loch\f31503 a\hich\af31503\dbch\af31505\loch\f31503 
ng di dalamnya mengatur mengenai perluasan kewenangan Pengadilan Agama. Bahwa Pengadilan Agama mempunyai kewenangan menyelesaikan sengketa di bidang ekonomi syariah, termasuk sengketa yang terjadi antara bank syarih dengan nasabah.\~
[UGM Press, UGM, Gadjah\hich\af31503\dbch\af31505\loch\f31503  \hich\af31503\dbch\af31505\loch\f31503 
Mada University Press]","ISBN":"978-979-420-650-8","language":"id","note":"Google-Books-ID: m1UbKwAACAAJ","number-of-pages":"490","publisher":"UGM PRESS","source":"Google Books","title":"Perbankan Syariah di Indonesia","author":[\{
"family":"Anshori","given\hich\af31503\dbch\af31505\loch\f31503 "\hich\af31503\dbch\af31505\loch\f31503 :"Abdul Ghofur"\}],"issued":\{"date-parts":[["2018",5,31]]\}\},"locator":"26","label":"page"\}
],"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"\} }}{\fldrslt {\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\insrsid10829351\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Abdul Ghofur Anshori, }{
\rtlch\fcs1 \ai\af31503\afs24 \ltrch\fcs0 \i\f31503\insrsid10829351\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Perbankan Syariah di Indonesia}{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\insrsid10829351\charrsid6100151 
\hich\af31503\dbch\af31505\loch\f31503  (UGM PRESS, 2018), 26.}}}\sectd \ltrsect\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj }}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\lang1057\langfe1033\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid10829351 
\par }\pard \ltrpar\s15\qj \fi720\li288\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid2626652\contextualspace {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10829351\charrsid10829351 \hich\af31502\dbch\af37\loch\f31502 
To achieve this national development goal and enable Indonesia to actively participate in healthy global competition, all segments of society must participate and contribute. This is done to tap into the potential within society to accelerate the eco
\hich\af31502\dbch\af37\loch\f31502 nomic process and achieve national development goals}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10829351 \hich\af31502\dbch\af37\loch\f31502 . }{\rtlch\fcs1 \ab\af0\afs24 
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One way to tap into this potential and contribute to the national economy is by developing an economic system based on Islamic (Shariah) principles and integrating these principles into the national leg\hich\af31502\dbch\af37\loch\f31502 
al framework. Shariah principles are based on values such as justice, utility, balance, and universality. These values are applied in the regulation of banking conducted in accordance with Shariah principles, often known as Islamic banking}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10829351 .}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid2626652 \hich\af31502\dbch\af37\loch\f31502  }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10829351\charrsid2626652 \hich\af31502\dbch\af37\loch\f31502 Islamic banking\hich\af31502\dbch\af37\loch\f31502 
 is a part of Islamic teachings related to economic aspects. One crucial principle in Islamic economics is the prohibition of usury (riba) in all its forms and the application of profit-and-loss sharing principles. By implementing profit-and-loss sharing 
\hich\af31502\dbch\af37\loch\f31502 p\hich\af31502\dbch\af37\loch\f31502 
rinciples, Islamic banks can create a healthy and fair investment environment, as all parties can share profits and potential risks. This creates a balance between banks and customers, ultimately promoting national economic equity, as profits are not sole
\hich\af31502\dbch\af37\loch\f31502 l\hich\af31502\dbch\af37\loch\f31502 y enjoyed by capital owners but also by capital managers.
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\lang1057\langfe1033\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid10829351\charrsid10829351 \hich\af31502\dbch\af37\loch\f31502 
The application of Islamic law in Indonesia has been constitutionally grounded for three main reasons: philosophical, sociological, and juridical. From a philosophical perspective, Islamic teachings\hich\af31502\dbch\af37\loch\f31502 
 are considered the dominant worldview, morality, and law among the majority of Muslims in Indonesia, significantly influencing the formation of the foundational norms of the Pancasila state. Sociologically, the historical development of Islamic society i
\hich\af31502\dbch\af37\loch\f31502 n\hich\af31502\dbch\af37\loch\f31502 
 Indonesia demonstrates that Islamic law aspirations and legal consciousness are rooted in Islamic teachings and remain relevant in society. Juridically, Article 24, Article 25, and Article 29 of the 1945 Constitution officially provide a legal basis for 
\hich\af31502\dbch\af37\loch\f31502 t\hich\af31502\dbch\af37\loch\f31502 he application of Islamic law in Indonesia}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10829351 .}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
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\f31503\insrsid10829351\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  }{\field{\*\fldinst {\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\insrsid10829351\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  ADDIN ZOTERO_ITEM CSL_CITATION \{
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\hich\af31503\dbch\af31505\loch\f31503 \hich\f31503 ps://doi.org/10.24042/adalah.v10i2.298.","plainCitation":"Sumarni Sumarni, \'93\loch\f31503 \hich\f31503 Kedudukan Hukum Islam Dalam Negara Republik Indonesia,\'94\loch\f31503  Al-\hich\f31503 \rquote 
\loch\f31503 Adalah 10, no. 2 (2012): 456, https://doi.org/10.24042/adalah.v10i2.298.","noteIndex":7\},"citationItems":[\{"id":721,"ur\hich\af31503\dbch\af31505\loch\f31503 i\hich\af31503\dbch\af31505\loch\f31503 
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"id":721,"type":"article-journal","abstract":"Kedudukan hukum Islam dalam Negara Kesatuan Republik Indonesia tidak terlepas pengaruhnya masuknya Islam ke nusantara pada abad ke 12 dan ke 1\hich\af31503\dbch\af31505\loch\f31503 3
\hich\af31503\dbch\af31505\loch\f31503  masehi di mana pada masa itu para penyebar agama Islam di nusantara menganut mazhab syafi\hich\f31503 \rquote \loch\f31503 i. Perjalanan \~sejarah transformasi \~
Hukurn Islam sarat dengan berbagai dimensi historis, filosofis, politik, sosiologis dan yuridis. Hukum Islam di Indonesia terli\hich\af31503\dbch\af31505\loch\f31503 h\hich\af31503\dbch\af31505\loch\f31503 
at dari dua sisi. Pertama, hukum Islam berlaku secara yuridis formal atau dikodifikasikan dalam struktur hukum nasional. Kedua, hukum Islam berlaku secara normatif yakni diyakini memiliki sanksi atau padanan hukum bagi masyarakat muslim.","container-title
\hich\af31503\dbch\af31505\loch\f31503 "\hich\af31503\dbch\af31505\loch\f31503 
:"Al-'Adalah","DOI":"10.24042/adalah.v10i2.298","ISSN":"2614-171X","issue":"2","language":"en-US","license":"Copyright (c) 2017 AL-'ADALAH","note":"number: 2","page":"447-458","source":"www.ejournal.radenintan.ac.id","title":"Kedudukan Hukum Islam dalam N
\hich\af31503\dbch\af31505\loch\f31503 e\hich\af31503\dbch\af31505\loch\f31503 gara Republik Indonesia","volume":"10","author":[\{"family":"Sumarni","given":"Sumarni"\}],"issued":\{"date-parts":[["2012"]]\}\},"locator":"456","label":"page"\}
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\hich\af31503\dbch\af31505\loch\f31503 \hich\f31503  Sumarni, \'93\loch\f31503 \hich\f31503 Kedudukan Hukum Islam Dalam Negara Republik Indonesia,\'94\loch\f31503  }{\rtlch\fcs1 \ai\af31503\afs24 \ltrch\fcs0 \i\f31503\insrsid10829351\charrsid6100151 
\hich\af31503\dbch\af31505\loch\f31503 Al-\hich\f31503 \rquote \loch\f31503 Adalah}{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\insrsid10829351\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 
 10, no. 2 (2012): 456, https://doi.org/10.24042/adalah.v10i2.298.}}}\sectd \ltrsect\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj }}{\rtlch\fcs1 \ab\af0\afs24 
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\hich\af31502\dbch\af37\loch\f31502 The initial efforts related to the establishment of Islamic banks in Indonesia began in 1990. From August 18 to 20, 1990, the Indonesian Ulama Council held a "Workshop on Bank Interest and Banking" in Bogor, Wes
\hich\af31502\dbch\af37\loch\f31502 
t Java. The results of this workshop were further discussed at the Fourth National Congress of the Indonesian Ulama Council held in Jakarta from August 22 to 25, 1990. The objective was to form a working team responsible for establishing Islamic banks in 
\hich\af31502\dbch\af37\loch\f31502 I\hich\af31502\dbch\af37\loch\f31502 
ndonesia. This working team eventually led to the establishment of Bank Muamalat Indonesia on November 1, 1991, which officially commenced operations on May 1, 1992. Following this, several Islamic People's Credit Banks (Bank Perkreditan Rakyat Syariah) w
\hich\af31502\dbch\af37\loch\f31502 e\hich\af31502\dbch\af37\loch\f31502 re also founded, including Berkah Amal Sejahtera, Dana Mardhatillah, Amanah Rabaniah in Bandung, and Hareukat in Aceh.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10829351\charrsid2626652 
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The government responded swiftly to these early developments in Islamic banking. On March 25, 1992, Law No. 7 of 1992 concerning Banking \hich\af31502\dbch\af37\loch\f31502 
was enacted, replacing Law No. 14 of 1967 concerning the Principles of Banking, with the aim of accommodating the presence of Islamic banks in Indonesia}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid9581322 .}{
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\f31503\insrsid9581322\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  }{\field{\*\fldinst {\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\insrsid9581322\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  ADDIN ZOTERO_ITEM CSL_CITATION \{
"citationID":"VGo4AawI","properties":\{"formattedCitation":"Andrew Shandy Utama, \\\\uc0\\\\u8220\{\}History and Development of Islamic Banking Regulations in the National Legal System of Indonesia,\\\\uc0\\\\u8221\{\} \{\\\\i\{\}Al-\\\\uc0\\\\
\hich\af31503\dbch\af31505\loch\f31503 u\hich\af31503\dbch\af31505\loch\f31503 8217\{\}Adalah\}\hich\f31503  15, no. 1 (2018): 17, https://doi.org/10.24042/adalah.v15i1.2446.","plainCitation":"Andrew Shandy Utama, \'93\loch\f31503 \hich\f31503 
History and Development of Islamic Banking Regulations in the National Legal System of Indonesia,\'94\loch\f31503  Al-\hich\f31503 \rquote \loch\f31503 Adalah 15, no. 1 (2018): 17, htt\hich\af31503\dbch\af31505\loch\f31503 p
\hich\af31503\dbch\af31505\loch\f31503 s://doi.org/10.24042/adalah.v15i1.2446.","noteIndex":8\},"citationItems":[\{"id":723,"uris":["http://zotero.org/users/10562964/items/GX4V5QQT"],"itemData":\{
"id":723,"type":"article-journal","abstract":"The economic crisis in 1998 caused a number of national\hich\af31503\dbch\af31505\loch\f31503  \hich\af31503\dbch\af31505\loch\f31503 
banks to collapse. Strangely, such a great crisis turned out to have no effect on the syari\hich\f31503 \rquote \loch\f31503 
ah banking world. Even as the crisis passed, a number of new Shari'ah banks emerged, such as Bank Syariah Mandiri, Bank Permata Syariah, Bank Mega Syariah, Bank Ra\hich\af31503\dbch\af31505\loch\f31503 k\hich\af31503\dbch\af31505\loch\f31503 
yat Indonesia Syariah, Bank Syariah Bukopin, and so forth. This study examines the development of Islamic banking in Indonesia. The aim is to find out factors driving and inhibiting the growth of these banking institutions. This study uses normative legal
\hich\af31503\dbch\af31505\loch\f31503  \hich\af31503\dbch\af31505\loch\f31503 
research methods. The results shows that the Islamic banking institutions could grow and develop rapidly due to two factors: internal and external factors. On the internal side, the Shari'ah bank has a usury management system that makes it able to withsta
\hich\af31503\dbch\af31505\loch\f31503 n\hich\af31503\dbch\af31505\loch\f31503 
d the economic crisis; while from the external side it has to do with government support, especially after the issuance of Law Number 21 of 2008.","container-title":"Al-'Adalah","DOI":"10.24042/adalah.v15i1.2446","ISSN":"2614-171X","issue":"1","language":
\hich\af31503\dbch\af31505\loch\f31503 "\hich\af31503\dbch\af31505\loch\f31503 
en","license":"Copyright (c) 2018 AL-'ADALAH","note":"number: 1","page":"37-50","source":"ejournal.radenintan.ac.id","title":"History and Development of Islamic Banking Regulations in the National Legal System of Indonesia","volume":"15","author":[\{
"famil\hich\af31503\dbch\af31505\loch\f31503 y\hich\af31503\dbch\af31505\loch\f31503 ":"Utama","given":"Andrew Shandy"\}],"issued":\{"date-parts":[["2018"]]\}\},"locator":"17","label":"page"\}
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Andrew Shandy Utama, \'93\loch\f31503 History and Development of Islamic Bank\hich\af31503\dbch\af31505\loch\f31503 \hich\f31503 ing Regulations in the National Legal System of Indonesia,\'94\loch\f31503  }{\rtlch\fcs1 \ai\af31503\afs24 \ltrch\fcs0 
\i\f31503\insrsid9581322\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Al-\hich\f31503 \rquote \loch\f31503 Adalah}{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\insrsid9581322\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 
 15, no. 1 (2018): 17, https://doi.org/10.24042/adalah.v15i1.2446.}}}\sectd \ltrsect\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj }}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid9581322\charrsid9581322 \hich\af31502\dbch\af37\loch\f31502  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid9581322\charrsid2626652 
\hich\af31502\dbch\af37\loch\f31502 In Article c of Law No. 7 of 1992, it is stated that one of the functions of commercial banks and Peo\hich\af31502\dbch\af37\loch\f31502 
ple's Credit Banks is to provide financing to customers based on profit-and-loss sharing principles, in accordance with regulations set by the government. This regulation serves as the legal foundation for the operations of Islamic banking. Furthermore, t
\hich\af31502\dbch\af37\loch\f31502 h\hich\af31502\dbch\af37\loch\f31502 is regulation was reinforced by Government Regulation No. 72 of 1992 concerning Banks Based on Profit-and-Loss Sharing Principles}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4159999\charrsid2626652 .}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid2626652 \hich\af31502\dbch\af37\loch\f31502  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4159999\charrsid2626652 \hich\af31502\dbch\af37\loch\f31502 According to Government Regulation No. 72 of 1992, banks based on profit-and-loss sharing principles are commercial banks or 
\hich\af31502\dbch\af37\loch\f31502 
People's Credit Banks that conduct all of their business activities by adhering to profit-and-loss sharing principles in accordance with Islamic law in determining the compensation to be given to the public regarding the use of funds managed by the bank, 
\hich\af31502\dbch\af37\loch\f31502 e\hich\af31502\dbch\af37\loch\f31502 
stablishing compensation to be received in connection with providing funds to the public in the form of financing, and determining compensation related to other business activities generally conducted by banks on a profit-and-loss sharing basis.
\par }\pard \ltrpar\s15\qj \fi720\li288\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid6236423\contextualspace {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15476463\charrsid15476463 \hich\af31502\dbch\af37\loch\f31502 The enactm\hich\af31502\dbch\af37\loch\f31502 
ent of Law No. 10 of 1998 as an amendment to Law No. 7 of 1992 further strengthened the regulatory framework for Islamic banking in Indonesia. In Article 1 of Law No. 10 of 1998, it is clearly stated that both commercial banks and People's Credit Banks ca
\hich\af31502\dbch\af37\loch\f31502 n\hich\af31502\dbch\af37\loch\f31502 
 operate banking operations either conventionally or in accordance with Shariah principles. This article also provides a comprehensive definition of Shariah principles, which includes agreements based on Islamic law between banks and other parties for fun
\hich\af31502\dbch\af37\loch\f31502 d\hich\af31502\dbch\af37\loch\f31502  management or business financing, including profit-and-loss sharing financing (}{\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 
\i\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15476463\charrsid15476463 \hich\af31502\dbch\af37\loch\f31502 mudharabah}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15476463\charrsid15476463 
\hich\af31502\dbch\af37\loch\f31502 ), equity participation financing (}{\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 \i\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15476463\charrsid15476463 \hich\af31502\dbch\af37\loch\f31502 musharakah}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15476463\charrsid15476463 \hich\af31502\dbch\af37\loch\f31502 ), profit-based sales of goods (murabahah), and capital goods financing based on pure leasing (}{\rtlch\fcs1 
\ab\ai\af0\afs24 \ltrch\fcs0 \i\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15476463\charrsid15476463 \hich\af31502\dbch\af37\loch\f31502 ijarah}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15476463\charrsid15476463 \hich\af31502\dbch\af37\loch\f31502 ) or leasing with an\hich\af31502\dbch\af37\loch\f31502  ownership transfer option (}{\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 
\i\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15476463\charrsid15476463 \hich\af31502\dbch\af37\loch\f31502 ijarah wa iqtina}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15476463\charrsid15476463 
\hich\af31502\dbch\af37\loch\f31502 )}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid6949064 .}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15476463 
\par }\pard \ltrpar\s15\qj \fi720\li288\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid2626652\contextualspace {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid11543664\charrsid11543664 \hich\af31502\dbch\af37\loch\f31502 
In providing loans and conducting other banking activities, both conventional and Islamic banks are required to use an approach that does not harm the bank itself and the interests of customers who have entrus\hich\af31502\dbch\af37\loch\f31502 
ted their funds to the bank. Because banks operate with funds placed by the public based on trust, it is essential for every bank to maintain the health of its operations and uphold the level of trust the public places in it}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid11543664 .}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid2626652 \hich\af31502\dbch\af37\loch\f31502  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid13965617\charrsid2626652 \hich\af31502\dbch\af37\loch\f31502 In 1998, the Indonesian public\hich\af31502\dbch\af37\loch\f31502 
 lost their confidence in the banking sector during an economic crisis. This economic crisis had a detrimental impact on the national banking system. Consequences of this crisis included the closure of 38 banks, such as Bank Ciputra, Bank Ganesha, Bank Pe
\hich\af31502\dbch\af37\loch\f31502 s\hich\af31502\dbch\af37\loch\f31502 
ona, Bank Alfa, Bank Aspac, and several others. Additionally, the government took over seven banks, including Bank RSI, Bank Putera Sukapura, Bank POS, Bank Artha Pratama, Bank Nusa Nasional, Bank Jaya, and Bank IFI. Furthermore, four government-owned ban
\hich\af31502\dbch\af37\loch\f31502 k\hich\af31502\dbch\af37\loch\f31502 s like Bank Dagang, Bank Exim, Bank Bumi Daya, and Bapindo were merged to form Bank Mandiri}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid3478547\charrsid2626652 .}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid14378588\charrsid2626652 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\lang1057\langfe1033\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid13965617\charrsid13965617 \hich\af31502\dbch\af37\loch\f31502 
However, Islamic banks did not suffer the same impact during the 1998 economic crisis. During the crisis period, Bank Muamalat Indonesia, which was the only Islami\hich\af31502\dbch\af37\loch\f31502 
c commercial bank in Indonesia at that time, was still considered a healthy bank due to its "A" category Capital Adequacy Ratio. This demonstrated that Islamic banks managed to maintain their relatively better performance compared to conventional banks du
\hich\af31502\dbch\af37\loch\f31502 r\hich\af31502\dbch\af37\loch\f31502 ing the crisis}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid13965617 .}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\lang1057\langfe1033\super\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid13965617\charrsid13965617 \chftn {\footnote \ltrpar \pard\plain \ltrpar
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\f31503\insrsid13965617\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  }{\field{\*\fldinst {\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\insrsid13965617\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  ADDIN ZOTERO_ITEM CSL_CITATION \{
"citationID":"Pqb1RARb","properties":\{"formattedCitation":"Yoyok Prasetyo, \\\\uc0\\\\\hich\af31503\dbch\af31505\loch\f31503 u8220\{\}
Perbandingan Risiko Dan Return Investasi Pada Indeks Lq 45 Dengan Indeks Jakarta Islamic Index (JII): Perbandingan Risiko Dan Return Investasi Pada Indeks Lq 45 Dengan Indeks Jakarta Islamic Index (JII),\\\\uc0\\\\u8221\{\} \{\\\\i\{\}El-Jizya\\\\uc0\\\\
u8239\{\}:\hich\af31503\dbch\af31505\loch\f31503  \hich\af31503\dbch\af31505\loch\f31503 Jurnal Ekonomi Islam\}\hich\f31503  6, no. 2 (December 31, 2018): 47, https://doi.org/10.24090/ej.v6i2.2043.","plainCitation":"Yoyok Prasetyo, \'93\loch\f31503 
Perbandingan Risiko Dan Return Investasi Pada Indeks Lq 45 Dengan Indeks Jakarta Islamic Index (JII): Perbandingan Risiko Dan\hich\af31503\dbch\af31505\loch\f31503  \hich\af31503\dbch\af31505\loch\f31503 \hich\f31503 
Return Investasi Pada Indeks Lq 45 Dengan Indeks Jakarta Islamic Index (JII),\'94\loch\f31503 \hich\f31503  El-Jizya\uc1\u8239\'3f\loch\f31503 : Jurnal Ekonomi Islam 6, no. 2 (December 31, 2018): 47, https://doi.org/10.24090/ej.v6i2.2043.","noteIndex":9\}
,"citationItems":[\{"id":725,"uris":["http://zotero.org/u\hich\af31503\dbch\af31505\loch\f31503 s\hich\af31503\dbch\af31505\loch\f31503 ers/10562964/items/R8ZPYAXT"],"itemData":\{
"id":725,"type":"article-journal","abstract":"This study compares the risks and returns between the two indices in the Indonesian Stock Exchange (IDX), namely the LQ 45 Index and the Jakarta Islamic Index (JII). T\hich\af31503\dbch\af31505\loch\f31503 h
\hich\af31503\dbch\af31505\loch\f31503 
is research period, starting from January 2008 to December 2017. Based on the normality test, the results obtained that the risk data of the LQ 45 Index are normally distributed while the JII Index risk data is not normally distributed. So that a differen
\hich\af31503\dbch\af31505\loch\f31503 t\hich\af31503\dbch\af31505\loch\f31503 
 test used non-parametric statistics, namely the Mann Whitney test. In this study, the results obtained that there is no significant difference in the risk of the LQ 45 index with the JII index. Whereas based on the normality test for LQ 45 Index return d
\hich\af31503\dbch\af31505\loch\f31503 a\hich\af31503\dbch\af31505\loch\f31503 
ta and JII Index return obtained both data are normally distributed and homogeneous. So that the parametric statistics were used by the T test. And the results obtained that the LQ 45 index return also had no significant difference with the JII index. Thi
\hich\af31503\dbch\af31505\loch\f31503 s\hich\af31503\dbch\af31505\loch\f31503 
 is due to almost the same constituents / members of these two indices, or the occurrence of a strong slice between the two. Finally, it can be concluded that the risks and returns between the LQ 45 Index and the JII Index have no significant differences.
\hich\af31503\dbch\af31505\loch\f31503 "\hich\af31503\dbch\af31505\loch\f31503 
,"container-title":"el-Jizya : Jurnal Ekonomi Islam","DOI":"10.24090/ej.v6i2.2043","ISSN":"2579-6208","issue":"2","language":"en","page":"287-310","source":"ejournal.uinsaizu.ac.id","title":"Perbandingan Risiko Dan Return Investasi Pada Indeks Lq 45 Denga
\hich\af31503\dbch\af31505\loch\f31503 n\hich\af31503\dbch\af31505\loch\f31503 
 Indeks Jakarta Islamic Index (JII): Perbandingan Risiko Dan Return Investasi Pada Indeks Lq 45 Dengan Indeks Jakarta Islamic Index (JII)","title-short":"Perbandingan Risiko Dan Return Investasi Pada Indeks Lq 45 Dengan Indeks Jakarta Islamic Index (JII)"
,\hich\af31503\dbch\af31505\loch\f31503 "volume":"6","author":[\{"family":"Prasetyo","given":"Yoyok"\}],"issued":\{"date-parts":[["2018",12,31]]\}\},"locator":"47","label":"page"\}
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\'93\loch\f31503 Perbandingan\hich\af31503\dbch\af31505\loch\f31503 \hich\f31503 
 Risiko Dan Return Investasi Pada Indeks Lq 45 Dengan Indeks Jakarta Islamic Index (JII): Perbandingan Risiko Dan Return Investasi Pada Indeks Lq 45 Dengan Indeks Jakarta Islamic Index (JII),\'94\loch\f31503  }{\rtlch\fcs1 \ai\af31503\afs24 \ltrch\fcs0 
\i\f31503\insrsid13965617\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 \hich\f31503 El-Jizya\uc1\u8239\'3f\loch\f31503 : Jurnal Ekonomi Islam}{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\insrsid13965617\charrsid6100151 
\hich\af31503\dbch\af31505\loch\f31503  6, no. 2 (December 31, 2018): 4\hich\af31503\dbch\af31505\loch\f31503 7, https://doi.org/10.24090/ej.v6i2.2043.}}}\sectd \ltrsect
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\hich\af31502\dbch\af37\loch\f31502  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\lang1057\langfe1033\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid13965617\charrsid2626652 \hich\af31502\dbch\af37\loch\f31502 
Apart from being a significant blow to the national banking system, the economic crisis of 1998 also marked the beginning of the development of Islamic banking in Indonesia. Interestingly, Islamic banks were not negatively affected by the 
\hich\af31502\dbch\af37\loch\f31502 
economic crisis. Some conventional banks, both government-owned and private, began to develop their Islamic banking businesses by establishing their own Islamic banks. For example, Bank Syariah Mandiri was founded in 1999, Bank Permata Syariah in 2002, Ba
\hich\af31502\dbch\af37\loch\f31502 n\hich\af31502\dbch\af37\loch\f31502 k Mega Syariah in 2004, Bank Rakya}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid13965617\charrsid2626652 
\hich\af31502\dbch\af37\loch\f31502 t }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\lang1057\langfe1033\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid13965617\charrsid2626652 \hich\af31502\dbch\af37\loch\f31502 
Indonesia Syariah in 2008, Bank Syariah Bukopin in 2008, and several others}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid13965617\charrsid2626652 .}{\rtlch\fcs1 \af31507 \ltrch\fcs0 
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\af31507\afs20\alang1025 \ltrch\fcs0 \fs20\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31503 \ltrch\fcs0 \cs16\f31503\super\insrsid13965617\charrsid6100151 \chftn }{\rtlch\fcs1 \af31503 
\ltrch\fcs0 \f31503\insrsid13965617\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  }{\field{\*\fldinst {\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\insrsid13965617\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 
 ADDIN ZOTERO_ITEM CSL_CITATION \{"citationID":"qmbmaYMy","properties":\{"formattedCitation":"Utama, \\\\uc0\\\\u8220\{\}History and Development of Islamic Banking Regulations in the National Legal System of Indonesia,\\\\
\hich\af31503\dbch\af31505\loch\f31503 uc0\\\\u8221\{\}\hich\f31503  16.","plainCitation":"Utama, \'93\loch\f31503 \hich\f31503 History and Development of Islamic Banking Regulations in the National Legal System of Indonesia,\'94\loch\f31503 
 16.","noteIndex":10\},"citationItems":[\{"id":723,"uris":["http://zotero.org/users/10562964/items/GX4V5QQT"],"it\hich\af31503\dbch\af31505\loch\f31503 e\hich\af31503\dbch\af31505\loch\f31503 mData":\{
"id":723,"type":"article-journal","abstract":"The economic crisis in 1998 caused a number of national banks to collapse. Strangely, such a great crisis turned out to have no effect on the syari\hich\f31503 \rquote \loch\f31503 
ah banking world. Even as the crisis passed, a number\hich\af31503\dbch\af31505\loch\f31503  \hich\af31503\dbch\af31505\loch\f31503 
of new Shari'ah banks emerged, such as Bank Syariah Mandiri, Bank Permata Syariah, Bank Mega Syariah, Bank Rakyat Indonesia Syariah, Bank Syariah Bukopin, and so forth. This study examines the development of Islamic banking in Indonesia. The aim is to fin
\hich\af31503\dbch\af31505\loch\f31503 d\hich\af31503\dbch\af31505\loch\f31503 
 out factors driving and inhibiting the growth of these banking institutions. This study uses normative legal research methods. The results shows that the Islamic banking institutions could grow and develop rapidly due to two factors: internal and externa
\hich\af31503\dbch\af31505\loch\f31503 l\hich\af31503\dbch\af31505\loch\f31503 
 factors. On the internal side, the Shari'ah bank has a usury management system that makes it able to withstand the economic crisis; while from the external side it has to do with government support, especially after the issuance of Law Number 21 of 2008.
\hich\af31503\dbch\af31505\loch\f31503 "\hich\af31503\dbch\af31505\loch\f31503 
,"container-title":"Al-'Adalah","DOI":"10.24042/adalah.v15i1.2446","ISSN":"2614-171X","issue":"1","language":"en","license":"Copyright (c) 2018 AL-'ADALAH","note":"number: 1","page":"37-50","source":"ejournal.radenintan.ac.id","title":"History and Develop
\hich\af31503\dbch\af31505\loch\f31503 m\hich\af31503\dbch\af31505\loch\f31503 ent of Islamic Banking Regulations in the National Legal System of Indonesia","volume":"15","author":[\{"family":"Utama","given":"Andrew Shandy"\}],"issued":\{
"date-parts":[["2018"]]\}\},"locator":"16","label":"page"\}],"schema":"https://github.com/citation-sty\hich\af31503\dbch\af31505\loch\f31503 l\hich\af31503\dbch\af31505\loch\f31503 e-language/schema/raw/master/csl-citation.json"\} }}{\fldrslt {
\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\insrsid13965617\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 \hich\f31503 Utama, \'93\loch\f31503 \hich\f31503 
History and Development of Islamic Banking Regulations in the National Legal System of Indonesia,\'94\loch\f31503  16.}}}\sectd \ltrsect
\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj }}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid13965617\charrsid2626652 

\par }\pard \ltrpar\s15\qj \fi720\li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid10813949\contextualspace {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid13965617\charrsid13965617 \hich\af31502\dbch\af37\loch\f31502 The discussion on the idea of creating the Islamic Banking Law began in 2004. This occurred due to significant support and encouragement from 
\hich\af31502\dbch\af37\loch\f31502 
the public to separate Islamic banking regulations from the more dominant conventional banking regulations. As a result, the first step towards drafting the Islamic Banking Bill (RUU Perbankan Syariah) was taken by the People's Consultative Assembly in 20
0\hich\af31502\dbch\af37\loch\f31502 
5. Several institutions, such as Bank Indonesia, which prepared a draft with 16 chapters and 72 articles, the Indonesian Islamic Banks Association (Asbisindo), which submitted a draft with 10 chapters and 49 articles, and the Indonesian Association of Mus
\hich\af31502\dbch\af37\loch\f31502 l\hich\af31502\dbch\af37\loch\f31502 im Intellectuals (ICMI), which drafted a bill with 12 chapters and 66 articles, responded to the rapid development of Islamic banking in the national banking system}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid13965617 .}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid2626652 \hich\af31502\dbch\af37\loch\f31502  }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid13965617\charrsid2626652 \hich\af31502\dbch\af37\loch\f31502 As a consequence of this significant development, on July 16, 2008, Law No. 21 of 2008 reg\hich\af31502\dbch\af37\loch\f31502 
arding Islamic Banking was officially enacted. This law established a specific legal framework to regulate Islamic banks in Indonesia. }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\lang1057\langfe1033\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid13965617\charrsid2626652 \hich\af31502\dbch\af37\loch\f31502 
From a philosophical and juridical perspective, Law No. 21 of 2008 on Islamic Banking has fulfilled the demand to create \hich\af31502\dbch\af37\loch\f31502 
justice and legal certainty for individuals seeking justice, especially in the context of Sharia economic business transactions. Article 1 of this law explains that Islamic banks are banking institutions that conduct their business activities based on Sha
\hich\af31502\dbch\af37\loch\f31502 r\hich\af31502\dbch\af37\loch\f31502 ia principles, which are Islamic law principles in banking operations based on fatwas issued by the National Sharia Council of the Indonesian Ulema Council (Majelis Ulama Indonesia)}
{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid13965617\charrsid2626652 .}{\rtlch\fcs1 \af31507 \ltrch\fcs0 \lang1057\langfe1033\super\langnp1057\insrsid13965617\charrsid13965617 \chftn {\footnote \ltrpar 
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PEK HUKUM PERBANKAN SYARIAH DAN IMPLEMENTASINYA DI INDONESIA,\'94\loch\f31503  Jurnal Dinamika Hukum 11, no. 0 (March 3, 2011): 74, https://doi.org/10.20884/1.jdh.2011.11.Edsus.263.","noteIndex":11\},"citationItems":[\{
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"id":727,"type":"article-journal","abstract":"Legal Aspects of Sharia Banking Legislation, Law Number 21 of 2008, in terms of judicial philosophy and\~Sociological\~basically a sense of Justice has addressed the needs of the Islamic
\hich\af31503\dbch\af31505\loch\f31503  \hich\af31503\dbch\af31505\loch\f31503 
Ummah as a consequence of legal pluralism live and grow in the dynamics of Indonesian society. While from the juridical formalistic approach through the legal umbrella Act No.3 of 2006 and Act No. 4 of 2004 its implementation requires a judge in creating 
\hich\af31503\dbch\af31505\loch\f31503 a\hich\af31503\dbch\af31505\loch\f31503 
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 11, no. 0 (March 3, 2011): 74, https://doi.org/10.20884/1.jdh.2011.11.Edsus.263.}}}\sectd \ltrsect\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj }}{\rtlch\fcs1 
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The National Sharia Council of the Indonesian Ulema Council, as an institution established by the Indonesian Ulema Council to study Islamic financial institutions, has issued various fatwas that serve as regulations for Islamic banking and other Islamic f
\hich\af31502\dbch\af37\loch\f31502 i\hich\af31502\dbch\af37\loch\f31502 nancial institutions. These fatwas aim to ensure that the operations of Islamic banks and other Islamic financial institutions comply with the principles of muamalah in Islamic law. 
}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10813949 \hich\af31502\dbch\af37\loch\f31502  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid11608273\charrsid10813949 
\hich\af31502\dbch\af37\loch\f31502 In the year 2000, the National Sharia Council of the Indonesian Ulema Cou\hich\af31502\dbch\af37\loch\f31502 
ncil issued a series of fatwas that formed the legal basis for fund-raising products in Islamic banking. These fatwas included Fatwa No. 01/DSN-MUI/IV/2000 on Giro, Fatwa No. 02/DSN-MUI/IV/2000 on Savings, and Fatwa No. 03/DSN-MUI/IV/2000 on Deposits. In 
\hich\af31502\dbch\af37\loch\f31502 a\hich\af31502\dbch\af37\loch\f31502 
ddition, in the same year, the National Sharia Council of the Indonesian Ulema Council also issued various other fatwas, including Fatwa No. 04/DSN-MUI/IV/2000 on Murabahah, Fatwa No. 05/DSN-MUI/IV/2000 on Salam Sales, Fatwa No. 06/DSN-MUI/IV/2000 on Isti
\hich\af31502\dbch\af37\loch\f31502 s\hich\af31502\dbch\af37\loch\f31502 
hna Sales, Fatwa No. 07/DSN-MUI/IV/2000 on Mudharabah Financing, Fatwa No. 08/DSN-MUI/IV/2000 on Musyarakah Financing, and Fatwa No. 09/DSN-MUI/IV/2000 on Ijarah Financing. These six fatwas became the legal basis for fund allocation products in Islamic ba
\hich\af31502\dbch\af37\loch\f31502 n\hich\af31502\dbch\af37\loch\f31502 king.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10813949 \hich\af31502\dbch\af37\loch\f31502  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10813949\charrsid10813949 \hich\af31502\dbch\af37\loch\f31502 In}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid11608273\charrsid10813949 
\hich\af31502\dbch\af37\loch\f31502 
 2009, the National Sharia Council of the Indonesian Ulema Council had issued a total of 75 fatwas as regulations for Islamic banking in Indonesia. The rapid development of Islamic banking in Indonesia has experienced significant growth. A crucial 
\hich\af31502\dbch\af37\loch\f31502 
period in this development was the 1990s, when the concept of Islamic banking began to mature, and the first Islamic bank, Bank Muamalat Indonesia, was established. Bank Muamalat Indonesia played a pioneering role and served as the initial symbol of the w
\hich\af31502\dbch\af37\loch\f31502 i\hich\af31502\dbch\af37\loch\f31502 
despread implementation of Islamic economic law in Indonesia. This period was strategically important as it became the cornerstone of the success or failure of Islamic banking in subsequent eras.
\par }\pard \ltrpar\s15\qj \fi720\li288\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid10813949\contextualspace {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
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donesia cannot be separated from the significant role played by Bank Muamalat Indonesia. According to data from the Financial Services Authority in 2017, there are currently 13 Islamic commercial banks, 21 Sharia business units originating from convention
\hich\af31502\dbch\af37\loch\f31502 a\hich\af31502\dbch\af37\loch\f31502 
l banks, and 102 Sharia People's Financing Banks. This is concrete evidence of the existence and significant growth in the Islamic banking sector in Indonesia. It shows that Islamic banking can grow rapidly because it is based on the trust of the majority
\hich\af31502\dbch\af37\loch\f31502  \hich\af31502\dbch\af37\loch\f31502 Muslim population in Indonesia}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid11608273 .}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
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Sejarah dan Perkembangan Regulasi Mengenai Perbankan Syariah Dalam Sistem Hukum Nasional Di Indonesia,\'94\loch\f31503  Jurnal Wawasan Yurid\hich\af31503\dbch\af31505\loch\f31503 i\hich\af31503\dbch\af31505\loch\f31503 
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\loch\f31503 t affected. After the crisis, Islamic banking experienced significant growth in Indonesia. The problem discussed is how is the history and development of regulation on Islam\hich\af31503\dbch\af31505\loch\f31503 i
\hich\af31503\dbch\af31505\loch\f31503 
c banking in national legal system in Indonesia? The method used in this research is normative legal research by using approach of legislation. The result of this research is in addition to being a devastation to the national banking system, the economic 
\hich\af31503\dbch\af31505\loch\f31503 c\hich\af31503\dbch\af31505\loch\f31503 
risis that occurred in 1998 also became the starting point for the development of Islamic banking in Indonesia. Responding to the development of significant Islamic banking in the national banking system, on July 16, 2008 was enacted Law Number 21 of 2008
\hich\af31503\dbch\af31505\loch\f31503  \hich\af31503\dbch\af31505\loch\f31503 
as the legal basis for Islamic banks in Indonesia.","container-title":"Jurnal Wawasan Yuridika","DOI":"10.25072/jwy.v2i2.180","ISSN":"2549-0753, 2549-0664","issue":"2","journalAbbreviation":"Jurnal Wawasan Yuridika","language":"id","page":"187","source":"
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\hich\af31502\dbch\af37\loch\f31502 
In addition to complying with legal obligations according to prevailing regulations, Islamic banks also have moral responsibilities to society and an obligation of worship to Allah. Moral responsibility to society means tha
\hich\af31502\dbch\af37\loch\f31502 
t employees working in Islamic banks are expected to have good moral character in accordance with Islamic teachings, such as integrity and honesty in their work. On the other hand, the worship obligation to Allah means that Islamic banks indirectly play a
\hich\af31502\dbch\af37\loch\f31502  \hich\af31502\dbch\af37\loch\f31502 role in Islamic proselytization (dakwah) by applying Sharia principles in transactions and supporting the avoidance of usury within the community.
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The development of Islamic banking in Indonesia is also influenced by political factors, legal issues, and th\hich\af31502\dbch\af37\loch\f31502 
e intersection of Islamic law, national law, and Western law. The intellectual contributions and efforts of Islamic scholars and economists, both individually and through institutions, also play a significant role in the development of Islamic banking. Fu
\hich\af31502\dbch\af37\loch\f31502 r\hich\af31502\dbch\af37\loch\f31502 thermore, the influence of developments and advancements in Islamic banking at the international level also impacts developments in Indonesia}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
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\hich\af31502\dbch\af37\loch\f31502 While the development of Islamic banking in Indonesia has been rapid, the number of banks, branch offices, and t\hich\af31502\dbch\af37\loch\f31502 
otal assets of Islamic banks is still relatively small when compared to conventional banks. }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\lang1057\langfe1033\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid9712932\charrsid10813949 
\hich\af31502\dbch\af37\loch\f31502 With the growth of Islamic banks in Indonesia, the presence of the Sharia Supervisory Board (DPS) in each Islamic bank becomes essential to oversee their operations\hich\af31502\dbch\af37\loch\f31502 
 in accordance with Sharia principles. Furthermore, there is a need for a national supervisory board, namely the National Sharia Council, which aims to unify the views of various Sharia Supervisory Boards in these banks. The National Sharia Council also p
\hich\af31502\dbch\af37\loch\f31502 l\hich\af31502\dbch\af37\loch\f31502 
ays a role in providing legal certainty, both for the Islamic banks themselves and for users of Islamic banking services. One of the primary responsibilities of the National Sharia Council is to issue fatwas regarding Islamic banking products and oversee 
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Implications of DSN-MUI Fatwas Post the Enactment of the Sharia Banking Law on the Economy
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It is important to note that in the adoption of Sharia economic principles, significant developments have occurred, beginning with the issuance of Law No. 21 of 2008 concerning Sharia Banking. Initially, the implementation of Islamic banking in Indonesia 
\hich\af31502\dbch\af37\loch\f31502 w\hich\af31502\dbch\af37\loch\f31502 
as based on Law No. 7 of 1992 concerning Banking, which generally stated that banks could operate on the principle of profit and loss sharing without providing detailed explanations of this principle. Subsequently, Government Regulation No. 72 of 1992 men
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Then, with the enactment of Law No. 10 of 1998 concerning Amendments to Law No. 7 of 1992 concerning Banking, the term "profit and loss sharing" was replaced with the phrase "ba\hich\af31502\dbch\af37\loch\f31502 
nking based on Sharia principles." However, in response to the growing Islamic banking institutions, Law No. 21 of 2008 concerning Sharia Banking was enacted, simplifying the term to "Islamic banking." Furthermore, Article 26 of Law No. 21 of 2008 concern
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\f31545\lang1057\langfe1033\langnp1057\insrsid10513368\charrsid6100151 \hich\af31545\dbch\af31505\loch\f31545 \hich\f31545 mic fatw\'e2\loch\f31545 \hich\f31545 
s of the Council of Indonesian Ulama (MUI) represented by the National Board of Sharia (DSN) at two levels: legal reasoning and socio-legal impact. Out 82 fatw\'e2\loch\f31545 
s, some 17 are discussed covering: banking, insurance, capital market, and pawn issues.\hich\af31545\dbch\af31505\loch\f31545  The study found that DSN\hich\f31545 \rquote \loch\f31545 \hich\f31545 s fatw\'e2\loch\f31545 \hich\f31545 
s are consistent in making references to the Quran and Hadith, and often to ijm\'e2\rquote \loch\f31545 \hich\f31545 , qiy\'e2\loch\f31545 \hich\f31545 s, and the views of ulama, but too anxious to offer \'93\loch\f31545 \hich\f31545 confirmation\'94
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aqds which are prohibited by Rasulullah. The study also found that the socio-legal impact of those fatw\'e2\loch\f31545 
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Based on the Sharia Banking Law, Sharia principles refer to the fatwas issued by \hich\af31502\dbch\af37\loch\f31502 
DSN-MUI. Therefore, in Indonesian positive law, Sharia principles are defined as Islamic legal provisions derived from DSN-MUI fatwas. DSN-MUI plays two important roles: practical regulation for financial institutions through the tabyin function and guida
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In Indonesia, oversight responsibilities are not only the responsibility of Bank Indonesia (BI) and the Financial Services Authority (OJK) but also apply to the National Sharia Coun\hich\af31502\dbch\af37\loch\f31502 
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\hich\af31503\dbch\af31505\loch\f31503 \hich\f31503 Atik Emilia Sula, Moh Nizarul Alim, and - Prasetyono, \'93}{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\insrsid10813949\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Pengawasan,
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\loch\af31503\dbch\af31505\hich\f31503 \'94\loch\f31503  }{\rtlch\fcs1 \ai\af31503\afs24 \ltrch\fcs0 \i\f31503\insrsid11754559\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Journal of Auditing, Finance, and Forensic Accounting}{\rtlch\fcs1 
\af31503\afs24 \ltrch\fcs0 \f31503\insrsid11754559\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  2, no. 2 (2014): 37, https://doi.org/10.21107/jaffa.v2i2.764.}}}\sectd \ltrsect
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In this context, the Sharia Supervisory Board (DPS) has a dual role. First, the DPS acts as an advisor and provider of advice to the board of directors and the\hich\af31502\dbch\af37\loch\f31502 
 head of Sharia branch offices on matters related to Sharia aspects. Second, the DPS serves as an intermediary between the bank and the National Sharia Council (DSN MUI) in conveying proposals and recommendations related to the development of products and
\hich\af31502\dbch\af37\loch\f31502  \hich\af31502\dbch\af37\loch\f31502 services requiring evaluation and fatwas from DSN MUI. Additionally, the DPS also serves as a representative of DSN MUI at least once a year}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
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\hich\af31502\dbch\af37\loch\f31502 The existence of DSN MUI fatwas has had a significant impact on social order and society, especially within the I\hich\af31502\dbch\af37\loch\f31502 ndonesian Muslim community. Some observable changes include}{
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\hich\af31502\dbch\af37\loch\f31502 The fatwas issued by DSN MUI have become highly relevant factors in the practice of Islamic economics. They have become the primary guidelines and references followed by the community and even r
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nal","abstract":"This study aims to investigate the factors that determine the acceptance of mobile banking among Islamic bank customers by using the unified theory of acceptance and use of technology (UTAUT) model and two other additional variables, name
\hich\af31503\dbch\af31505\loch\f31503 l\hich\af31503\dbch\af31505\loch\f31503 
y perceived risk and cost. By using SmartPLS 3.29, the empirical findings of this study show that performance expectations, business expectations, and facilitating conditions have a significant effect on the intention to use mobile banking. The empirical 
\hich\af31503\dbch\af31505\loch\f31503 f\hich\af31503\dbch\af31505\loch\f31503 
indings of this study also show that intention has a significant effect on the use of mobile banking. Meanwhile, perceived social influence, costs and risks do not have a significant effect on the intention to use mobile banking. \\
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Due to the strong impact and influence of DSN MUI fatwas, the Council feels the need to be responsive to social changes in society. This is done to contribute better to the welfare of the community}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
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\hich\af31503\dbch\af31505\loch\f31503 icle-journal","abstract":"Tesis ini menunjukkan: Ada sekitar 12 (dua belas) fatwa dari 166 (seratus \\nenam puluh enam) fatwa MUI dari tahun 1975 hingga tahun 2017 yang \\\hich\f31503 
nditetapkan menggunakan pertimbangan fath adz-dzar\'ee\lquote \loch\f31503 \hich\f31503 ah. Fath adz-dzar\'ee\lquote \loch\f31503 ah \\nitu terapl\hich\af31503\dbch\af31505\loch\f31503 i\hich\af31503\dbch\af31505\loch\f31503 \hich\f31503 
kasikan dalam fatwa sebagai prinsip dari maq\'e2\loch\f31503 \hich\f31503 shid syar\'ee\lquote \loch\f31503 ah, dan \\nkonsep mashlahah. Majelis Ulama Indonesia (MUI) dalam berfatwa sangat \\
nberhati-hati. Penelitian ini juga mempertegas adanya penggunaan metodologi \\nelektik dalam penetapan fatwanya yang le\hich\af31503\dbch\af31505\loch\f31503 b\hich\af31503\dbch\af31505\loch\f31503 ih mendasarkan diri pada aspek \\
nkemashlahatan. MUI berhasil keluar dari keterikatan dengan mazhab fikih \\\hich\f31503 ntertentu. Ijtih\'e2\loch\f31503 \hich\f31503 d jam\'e2\lquote \loch\f31503 i dalam MUI menjadi solusi dalam menetapkan fatwa, \\
nterlebih dalam fatwa yang berlandaskan mashlahah di masa kini. \\nTesis i\hich\af31503\dbch\af31505\loch\f31503 n\hich\af31503\dbch\af31505\loch\f31503 i sependapat dan memberikan tambahan informasi dari apa yang \\ndilakukan Asrorun Ni\hich\f31503 
\rquote \loch\f31503 \hich\f31503 am dalam disertasinya; sadd adz-dzar\'ee\lquote \loch\f31503 ah dalam fatwa \\\hich\f31503 nMUI. MUI selain menggunakan sadd adz-dzar\'ee\lquote \loch\f31503 ah, mereka juga kadang \\\hich\f31503 nmembuka adz-dzar\'ee
\lquote \loch\f31503 ah. Meskipun dengan syarat yan\hich\af31503\dbch\af31505\loch\f31503 g\hich\af31503\dbch\af31505\loch\f31503  sangat ketat dalam \\naplikasinya. Dalam aplikasi membuka dzari\hich\f31503 \rquote \loch\f31503 
ah karena mashlahah, penulis \\\hich\f31503 nsependapat dengan as-Sy\'e2\loch\f31503 thibi (w. 790 H) yang tetap mendahulukan nash \\\hich\f31503 ndalam menetapkan mashlahah. Penulis tidak sependapat dengan at-Th\'fb\loch\f31503 \hich\f31503 f\'ee
\loch\f31503  (w. \\n716 H) yang m\hich\af31503\dbch\af31505\loch\f31503 e\hich\af31503\dbch\af31505\loch\f31503 nganggap mashlahah sebagai dasar hukum yang berdiri \\nsendiri, bahkan keberadaan nash atau tidak adanya nash tidak mempengaruhi \\
nmashlahah. \\nPenelitian ini adalah penelitian kepustakaan yang bersifat kualitatif \\ndengan pendekatan ushul fiqih dan sosio \hich\af31503\dbch\af31505\loch\f31503 h\hich\af31503\dbch\af31505\loch\f31503 istoris. Sumber data primer yang \\
ndigunakan yaitu Himpunan Fatwa Majelis Ulama Indonesia. Data sekunder \\\hich\f31503 nberupa literatur-literatur kitab tur\'e2\loch\f31503 ts dan kitab ilmiyyah kontemporer untuk \\nmenemukan konsep dalam merumuskan fatwa MUI. Cara membaca sumber \\nad
\hich\af31503\dbch\af31505\loch\f31503 a\hich\af31503\dbch\af31505\loch\f31503 lah dengan menggunakan teknik analisis isi (content analysis). Dalam \\\hich\f31503 nmenganalisa data, digunakan metode induktif dan deduktif. Wall\'e2\loch\f31503 hu A
\hich\f31503 \rquote \loch\f31503 lam bi \\\hich\f31503 nas-Shaw\'e2\loch\f31503 b.","language":"id","note":"Accepted: 2019-11-22T03:44:09Z\\npublisher: Pascasarjana Institut Ilmu A\hich\af31503\dbch\af31505\loch\f31503 l
\hich\af31503\dbch\af31505\loch\f31503 -Qur'an (IIQ) Jakarta","source":"repository.iiq.ac.id","title":"Fath Adz-Dzari'ah Dan Aplikasinya Dalam Fatwa Majelis Ulama Indonesia","URL":"http://repository.iiq.ac.id//handle/123456789/298","author":[\{
"family":"Hanif Luthfi","given":"212610141"\}],"acce\hich\af31503\dbch\af31505\loch\f31503 s\hich\af31503\dbch\af31505\loch\f31503 sed":\{"date-parts":[["2023",9,29]]\},"issued":\{"date-parts":[["2017"]]\}\},"locator":"67","label":"page"\}
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212610141 Hanif Luthfi, \'93\loch\f31503 Fath Adz-Dzari\hich\f31503 \rquote \loch\f31503 ah Dan Aplikasinya Da\hich\af31503\dbch\af31505\loch\f31503 \hich\f31503 lam Fatwa Majelis Ulama Indonesia,\'94\loch\f31503 
 2017, 67, http://repository.iiq.ac.id//handle/123456789/298.}}}\sectd \ltrsect\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj }}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15804404\charrsid1665892 \hich\af31502\dbch\af37\loch\f31502  
\par }\pard \ltrpar\s15\qj \li720\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid15804404\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15804404\charrsid15804404 
\par }\pard\plain \ltrpar\qj \fi720\li648\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin648\itap0\pararsid5196834 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15804404\charrsid15804404 \hich\af31502\dbch\af37\loch\f31502 
According to M. Atho \hich\af31502\dbch\af37\loch\f31502 
Mundzhar, there are socio-legal impacts that can be observed from DSN MUI fatwas. These fatwas have a dual nature, where on one side, they serve as Islamic legal opinions, and on the other side, they function as legally binding rules for Sharia economic p
\hich\af31502\dbch\af37\loch\f31502 r\hich\af31502\dbch\af37\loch\f31502 
actitioners. From a sociological perspective, law and regulations are the results of social changes and, at the same time, influence social changes. There are at least four roles and statuses of DSN MUI fatwas in Indonesian society:}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid15804404 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \loch\af31502\hich\af31502\dbch\af37\insrsid3821014\charrsid3821014 \hich\af31502\dbch\af37\loch\f31502 1.\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li1008\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls24\adjustright\rin0\lin1008\itap0\pararsid5196834\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid3821014\charrsid3821014 \hich\af31502\dbch\af37\loch\f31502 
Fatwas serve as \hich\af31502\dbch\af37\loch\f31502 guidelines for Sharia-compliant economic transactions for the Muslim community in Indonesia}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid3821014 .
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \loch\af31502\hich\af31502\dbch\af37\insrsid151364\charrsid151364 \hich\af31502\dbch\af37\loch\f31502 2.\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid151364\charrsid151364 \hich\af31502\dbch\af37\loch\f31502 Fatwas act as guidance for the Sharia Supervisory Boards (DPS) in Islamic Financial Institutions (LKS) to ensure compliance with Sharia principles.}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid151364 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \loch\af31502\hich\af31502\dbch\af37\insrsid151364\charrsid151364 \hich\af31502\dbch\af37\loch\f31502 3.\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid151364\charrsid151364 \hich\af31502\dbch\af37\loch\f31502 Fatwas serve as\hich\af31502\dbch\af37\loch\f31502 
 guidance for the management of LKS to ensure that the products and services offered comply with Sharia economic principles.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid151364 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang1057\langfe1033\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid151364\charrsid151364 \hich\af31502\dbch\af37\loch\f31502 4.\tab}}\pard \ltrpar
\s15\qj \fi-360\li1008\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls24\adjustright\rin0\lin1008\itap0\pararsid5196834\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\lang1057\langfe1033\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid151364\charrsid151364 \hich\af31502\dbch\af37\loch\f31502 Fatwas are used as guidelines to be integrated or adopted into various positive laws and national regulations}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid1322470 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\lang1057\langfe1033\super\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid151364\charrsid151364 \chftn 
{\footnote \ltrpar \pard\plain \ltrpar\s17\qj \fi720\li288\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid9310786 \rtlch\fcs1 \af31507\afs20\alang1025 \ltrch\fcs0 
\fs20\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31503 \ltrch\fcs0 \cs16\f31503\super\insrsid151364\charrsid6100151 \chftn }{\rtlch\fcs1 \af31503 \ltrch\fcs0 
\f31503\lang1057\langfe1033\langnp1057\insrsid151364\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  }{\field{\*\fldinst {\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\lang1057\langfe1033\langnp1057\insrsid151364\charrsid6100151 
\hich\af31503\dbch\af31505\loch\f31503  ADDIN ZOTERO_ITEM CSL_CITATION \{"citationID":"Xmpmz4kc","properties":\{"formattedCitation":"Mudzhar, \\\\uc0\\\\u8220\{\}The Legal Reasoning and Socio-Legal Imp\hich\af31503\dbch\af31505\loch\f31503 act of the Fatw
\\\\uc0\\\\u227\{\}s of the Council of Indonesian Ulama on Economic Issues,\\\\uc0\\\\u8221\{\}\hich\f31503  50.","plainCitation":"Mudzhar, \'93\loch\f31503 \hich\f31503 The Legal Reasoning and Socio-Legal Impact of the Fatw\'e3\loch\f31503 \hich\f31503 
s of the Council of Indonesian Ulama on Economic Issues,\'94\loch\f31503  50.","noteI\hich\af31503\dbch\af31505\loch\f31503 n}{\rtlch\fcs1 \af31545 \ltrch\fcs0 \f31545\lang1057\langfe1033\langnp1057\insrsid151364\charrsid6100151 
\hich\af31545\dbch\af31505\loch\f31545 dex":20\},"citationItems":[\{"id":736,"uris":["http://zotero.org/users/10562964/items/LPQUM547"],"itemData":\{\hich\f31545 "id":736,"type":"article-journal","abstract":"This article examines the economic fatw\'e2
\loch\f31545 s of the Council of Indonesian Ulama (MUI) represented by the \hich\af31545\dbch\af31505\loch\f31545 N\hich\af31545\dbch\af31505\loch\f31545 \hich\f31545 
ational Board of Sharia (DSN) at two levels: legal reasoning and socio-legal impact. Out 82 fatw\'e2\loch\f31545 s, some 17 are discussed covering: banking, insurance, capital market, and pawn issues. The study found that DSN\hich\f31545 \rquote 
\loch\f31545 \hich\f31545 s fatw\'e2\loch\f31545 s are consistent in making references \hich\af31545\dbch\af31505\loch\f31545 t\hich\af31545\dbch\af31505\loch\f31545 \hich\f31545 o the Quran and Hadith, and often to ijm\'e2\rquote \loch\f31545 
\hich\f31545 , qiy\'e2\loch\f31545 \hich\f31545 s, and the views of ulama, but too anxious to offer \'93\loch\f31545 \hich\f31545 confirmation\'94\loch\f31545  to every conventional banking instrument through }{\rtlch\fcs1 \af31503 \ltrch\fcs0 
\f31503\lang1057\langfe1033\langnp1057\insrsid151364\charrsid6100151 \loch\af31503\dbch\af31505\hich\f31503 \uc1\u7717\'3f}{\rtlch\fcs1 \af31545 \ltrch\fcs0 \f31545\lang1057\langfe1033\langnp1057\insrsid151364\charrsid6100151 
\loch\af31545\dbch\af31505\hich\f31545 \'ee\loch\f31545 lah and multiple \hich\f31545 \lquote \loch\f31545 aqds which are prohibited by Rasulullah. The study also found that the s\hich\af31545\dbch\af31505\loch\f31545 \hich\f31545 
ocio-legal impact of those fatw\'e2\loch\f31545 
s on laws and government regulations are identifiable.","ISSN":"14124734","language":"en","note":"Accepted: 2016-04-28T03:42:34Z","source":"repository.uinjkt.ac.id","title":"The legal reasoning and socio-legal impact of the
\hich\af31545\dbch\af31505\loch\f31545  }{\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\lang1057\langfe1033\langnp1057\insrsid151364\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 \hich\f31503 fatw\'e3\loch\f31503 
s of the council of indonesian ulama on economic issues","URL":"https://repository.uinjkt.ac.id/dspace/handle/123456789/30921","author":[\{"family":"Mudzhar","given":"M. Atho"\}],"accessed":\{"date-parts":[["2023",9,29]]\},"issued":\{"date-parts":[["2016"
,\hich\af31503\dbch\af31505\loch\f31503 4,28]]\}\},"locator":"50","label":"page"\}],"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"\} }}{\fldrslt {\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 
\f31503\insrsid151364\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 \hich\f31503 Mudzhar, \'93\loch\f31503 \hich\f31503 The Legal Reasoning and Socio-Legal Impact of the Fatw\'e3\loch\f31503 \hich\f31503 
s of the Council of Indonesian Ulama on Economic Issues,\'94\loch\f31503  50.}}}\sectd \ltrsect\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj }}{\rtlch\fcs1 \af0\afs24 
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\par }\pard \ltrpar\s15\qj \li720\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid151364\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid151364\charrsid3821014 
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\hich\af31502\dbch\af37\loch\f31502 
Thus, DSN MUI fatwas have brought about social changes in the Indonesian Muslim community within the economic context. This confirms that law can function as a tool of social control when the law is derived from social norms. The profit and loss-sharing p
\hich\af31502\dbch\af37\loch\f31502 r\hich\af31502\dbch\af37\loch\f31502 
inciple had been applied in many economic transactions before the issuance of DSN MUI fatwas, making it readily accepted by the Muslim community in Indonesia as a guide in economic matters}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid3303656 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\lang1057\langfe1033\super\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid3303656\charrsid3303656 \chftn {\footnote \ltrpar \pard\plain \ltrpar
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\fs20\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31503 \ltrch\fcs0 \cs16\f31503\super\insrsid3303656\charrsid6100151 \chftn }{\rtlch\fcs1 \af31503 \ltrch\fcs0 
\f31503\lang1057\langfe1033\langnp1057\insrsid3303656\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  }{\field{\*\fldinst {\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\lang1057\langfe1033\langnp1057\insrsid3303656\charrsid6100151 
\hich\af31503\dbch\af31505\loch\f31503  ADDIN ZOTERO_ITEM CSL_CITATION \{"citationID":"vnF2hBEA","properties":\{"formattedCitation":"Laila Yumna and Azhar Taufik, \\\\uc0\\\\u8220\{\}
ANALISA KOMPILASI HUKUM EKONOMI SYARIAH DAN FATWA DEWAN SYARIAH NASIONAL PERSPEKTIF SOSIOLOGI HUKUM,\\\\uc0\\\\u8221\{\} n.d.,\hich\af31503\dbch\af31505\loch\f31503 \hich\f31503  67.","plainCitation":"Laila Yumna and Azhar Taufik, \'93\loch\f31503 
\hich\f31503 ANALISA KOMPILASI HUKUM EKONOMI SYARIAH DAN FATWA DEWAN SYARIAH NASIONAL PERSPEKTIF SOSIOLOGI HUKUM,\'94\loch\f31503  n.d., 67.","noteIndex":21\},"citationItems":[\{"id":735,"uris":["http://zotero.org/users/10562964/ite
\hich\af31503\dbch\af31505\loch\f31503 m\hich\af31503\dbch\af31505\loch\f31503 s/EX8VB8JD"],"itemData":\{
"id":735,"type":"article-journal","abstract":"The presence of Islamic financial institutions (LKS) which is quite massive, makes Islamic economic operational activities must have the nature of legal certainty. At present, specific
\hich\af31503\dbch\af31505\loch\f31503 a\hich\af31503\dbch\af31505\loch\f31503 
lly the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) can be said to be material law in the sharia economy. Meanwhile, the Sharia Economic Law Compilation (KHES) is a formal and material law as a reference for judges at th
\hich\af31503\dbch\af31505\loch\f31503 e\hich\af31503\dbch\af31505\loch\f31503 
 Religious Courts in resolving sharia economic disputes. This research is a library research with a sociological approach. Where the purpose of this writing is to analyze KHES and DSN-MUI fatwas in providing space for the development of the Islamic econom
\hich\af31503\dbch\af31505\loch\f31503 y\hich\af31503\dbch\af31505\loch\f31503 
 through the synergy between the two in the perspective of legal sociology. The results of the research concluded that the existence of KHES was based on PERMA No. 2 in 2008 as a guideline and is binding on judges in the religious court in resolving the e
\hich\af31503\dbch\af31505\loch\f31503 c\hich\af31503\dbch\af31505\loch\f31503 
onomic affairs of the Syrian regime. While the DSN MUI fatwa is bound to Syrian economic activities based on the absorption of fatwa-fatwa to the regulations of legislation such as PBI, PMK or SEOJK. On the basis of this, it causes KHES to have a higher p
\hich\af31503\dbch\af31505\loch\f31503 o\hich\af31503\dbch\af31505\loch\f31503 
sition than DSN fatwa. Therefore, the fatwa issued by the DSN MUI should not be associated with KHES, but is allowed to fill the legal void that is not contained in KHES.","language":"id","source":"Zotero","title":"ANALISA KOMPILASI HUKUM EKONOMI SYARIAH 
\hich\af31503\dbch\af31505\loch\f31503 D\hich\af31503\dbch\af31505\loch\f31503 AN FATWA DEWAN SYARIAH NASIONAL PERSPEKTIF SOSIOLOGI HUKUM","author":[\{"family":"Yumna","given":"Laila"\},\{"family":"Taufik","given":"Azhar"\}]\}
,"locator":"67","label":"page"\}],"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citat\hich\af31503\dbch\af31505\loch\f31503 i\hich\af31503\dbch\af31505\loch\f31503 on.json"\} }}{\fldrslt {\rtlch\fcs1 \af31503\afs24 
\ltrch\fcs0 \f31503\lang1057\langfe1033\langnp1057\insrsid3303656\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Laila Yumna }{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\lang1057\langfe1033\langnp1057\insrsid8542489\charrsid6100151 
\hich\af31503\dbch\af31505\loch\f31503 And }{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\lang1057\langfe1033\langnp1057\insrsid3303656\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Azhar Taufik}{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 
\f31503\lang1057\langfe1033\langnp1057\insrsid8542489\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 \hich\f31503 , \'93}{\rtlch\fcs1 \ai\af31503\afs24 \ltrch\fcs0 \i\f31503\lang1057\langfe1033\langnp1057\insrsid8542489\charrsid4274289 
\hich\af31503\dbch\af31505\loch\f31503 Analisa Kompilasi Hukum Ekonomi Syariah Dan Fatwa Dewan Syariah Nasional Perspektif Sosiologi Hukum}{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\lang1057\langfe1033\langnp1057\insrsid3303656\charrsid6100151 
\loch\af31503\dbch\af31505\hich\f31503 ,\'94\loch\f31503  n.d., 67.}}}\sectd \ltrsect\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj }}{\rtlch\fcs1 \af0\afs24 
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\par }\pard \ltrpar\qj \fi720\li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3289253 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10295924 
\par {\listtext\pard\plain\ltrpar \s15 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\loch\af31502\hich\af31502\dbch\af37\insrsid6952029\charrsid6952029 \hich\af31502\dbch\af37\loch\f31502 b.\tab}}\pard\plain \ltrpar\s15\qj \fi-360\li648\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\adjustright\rin0\lin648\itap0\pararsid1527116\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid6952029\charrsid6952029 \hich\af31502\dbch\af37\loch\f31502 
The Sociological Implications of KHES on the Economy}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid8415396\charrsid8415396 
\par }\pard\plain \ltrpar\qj \fi720\li648\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin648\itap0\pararsid8542489 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid6952029\charrsid6952029 \hich\af31502\dbch\af37\loch\f31502 
Sociologically, the enactment of Law No. 3 of 2006 amending Law No. 7 of 1989, which expanded the authority of religious courts, served as the basis for the development of the Compilation of Sharia Economic Law (KHES). With the existence of KHES, Sharia e
\hich\af31502\dbch\af37\loch\f31502 c\hich\af31502\dbch\af37\loch\f31502 onomic law became positive law in Indonesia, providing constitutional legal guarantees for Islamic Financial Institutions (LKS) through the state's legal system}{\rtlch\fcs1 
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\hich\af31503\dbch\af31505\loch\f31503  ADDIN ZOTERO_ITEM CSL_CITATION \{"citationID":"e6mQFf4u","properties":\{"formattedCitation":"Yumna \hich\af31503\dbch\af31505\loch\f31503 and Taufik, 4.","plainCitation":"Yumna and Taufik, 4.","noteIndex":22\}
,"citationItems":[\{"id":735,"uris":["http://zotero.org/users/10562964/items/EX8VB8JD"],"itemData":\{"id":735,"type":"article-journal","abstract":"The presence of Islamic financial instit\hich\af31503\dbch\af31505\loch\f31503 u
\hich\af31503\dbch\af31505\loch\f31503 
tions (LKS) which is quite massive, makes Islamic economic operational activities must have the nature of legal certainty. At present, specifically the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) can be said to be materi
\hich\af31503\dbch\af31505\loch\f31503 a\hich\af31503\dbch\af31505\loch\f31503 
l law in the sharia economy. Meanwhile, the Sharia Economic Law Compilation (KHES) is a formal and material law as a reference for judges at the Religious Courts in resolving sharia economic disputes. This research is a library research with a sociologica
\hich\af31503\dbch\af31505\loch\f31503 l\hich\af31503\dbch\af31505\loch\f31503 
 approach. Where the purpose of this writing is to analyze KHES and DSN-MUI fatwas in providing space for the development of the Islamic economy through the synergy between the two in the perspective of legal sociology. The results of the research conclud
\hich\af31503\dbch\af31505\loch\f31503 e\hich\af31503\dbch\af31505\loch\f31503 
d that the existence of KHES was based on PERMA No. 2 in 2008 as a guideline and is binding on judges in the religious court in resolving the economic affairs of the Syrian regime. While the DSN MUI fatwa is bound to Syrian economic activities based on th
\hich\af31503\dbch\af31505\loch\f31503 e\hich\af31503\dbch\af31505\loch\f31503 
 absorption of fatwa-fatwa to the regulations of legislation such as PBI, PMK or SEOJK. On the basis of this, it causes KHES to have a higher position than DSN fatwa. Therefore, the fatwa issued by the DSN MUI should not be associated with KHES, but is al
\hich\af31503\dbch\af31505\loch\f31503 l\hich\af31503\dbch\af31505\loch\f31503 
owed to fill the legal void that is not contained in KHES.","language":"id","source":"Zotero","title":"ANALISA KOMPILASI HUKUM EKONOMI SYARIAH DAN FATWA DEWAN SYARIAH NASIONAL PERSPEKTIF SOSIOLOGI HUKUM","author":[\{"family":"Yumna","given":"Laila"\},\{
"fami\hich\af31503\dbch\af31505\loch\f31503 l\hich\af31503\dbch\af31505\loch\f31503 y":"Taufik","given":"Azhar"\}]\},"locator":"4","label":"page"\}],"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"\} }}{\fldrslt {
\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\insrsid6952029\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Yumna and Taufik, 4.}}}\sectd \ltrsect
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\hich\af31502\dbch\af37\loch\f31502  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\lang1057\langfe1033\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid6952029\charrsid6952029 \hich\af31502\dbch\af37\loch\f31502 
KHES was issued in the form of Supreme Court Regulation (PERMA) No. 2 of 2008 titled "Compil\hich\af31502\dbch\af37\loch\f31502 
ation of Sharia Economic Law" (KHES). This PERMA is particularly applicable to judges within the Religious Courts (Peradilan Agama) who are responsible for examining, adjudicating, and resolving cases related to Sharia economics. Over time, KHES has under
\hich\af31502\dbch\af37\loch\f31502 g\hich\af31502\dbch\af37\loch\f31502 one several adjustments to align with Sharia provisions}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid6952029 .}{\rtlch\fcs1 \ab\af0\afs24 
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\fs20\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31503 \ltrch\fcs0 \cs16\f31503\super\insrsid6952029\charrsid6100151 \chftn }{\rtlch\fcs1 \af31503 \ltrch\fcs0 
\f31503\insrsid6952029\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  }{\field{\*\fldinst {\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\insrsid6952029\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  ADDIN ZOTERO_ITEM CSL_CITATION \{
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 (Novindo Pustaka Mandiri, 2009), xii.","plainCitation":"Kompilasi hukum ekonomi syariah: dilengkapi dengan Undang-Undang Perbankan Syariah (Novindo Pu\hich\af31503\dbch\af31505\loch\f31503 s\hich\af31503\dbch\af31505\loch\f31503 
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-pages":"256","publisher":"Novindo Pustaka Mandiri","source":"Google Books","title":"Kompilasi hukum ekonomi syariah: dilengkapi dengan Undang-Undang Perbankan Syariah","title-short":"Kompilasi hukum ekonomi syariah","issued":\{"date-parts":[["2009"]]\}\}
,"l\hich\af31503\dbch\af31505\loch\f31503 o\hich\af31503\dbch\af31505\loch\f31503 cator":"xii","label":"page"\}],"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"\} }}{\fldrslt {\rtlch\fcs1 \ai\af31503\afs24 
\ltrch\fcs0 \i\f31503\insrsid6952029\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Kompilasi hukum ekonomi syariah: dilengkapi dengan Undang-Undang Perbankan Syariah}{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\insrsid6952029\charrsid6100151 
\hich\af31503\dbch\af31505\loch\f31503  (Novindo Pustaka Mandiri, 2009), xii.}}}\sectd \ltrsect\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj }}{\rtlch\fcs1 
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\hich\af31502\dbch\af37\loch\f31502 KHES has been disseminated and widely circulated by the Supreme Court of the Republic of Indonesia (MARI) in accordance with Supreme Court Regulation (PERMA) No. 2 of 2008. This means that KHES has 
\hich\af31502\dbch\af37\loch\f31502 
been officially declared effective and enforceable for the past twelve years. Furthermore, since then, KHES has been utilized by various parties, including within the judicial system, particularly by the Religious Courts. Republic of Indonesia Law No. 3 o
\hich\af31502\dbch\af37\loch\f31502 f\hich\af31502\dbch\af37\loch\f31502  2006 granted authority to the Religious Courts to receive, examine, adjudicate, and resolve cases in the field of Sharia economics, in addition to other civil cases}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid7496140 .}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid6515183 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\lang1057\langfe1033\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid4094476\charrsid4094476 \hich\af31502\dbch\af37\loch\f31502 
However, in the broader societal context, Muamalah law has not yet become a widespread \hich\af31502\dbch\af37\loch\f31502 
practice or a part of the customs of the Muslim community. The more formal implementation of Muamalah law has primarily occurred through Islamic Financial Institutions (LKS), which are legally obligated to regulate these practices due to their involvement
\hich\af31502\dbch\af37\loch\f31502  \hich\af31502\dbch\af37\loch\f31502 
in large-scale rights and interests. Therefore, this difference also influences how Muamalah law is adopted within the positive legal system. The process of legal positivization of Muamalah law began with its institutionalization, as it had not yet become
\hich\af31502\dbch\af37\loch\f31502  \hich\af31502\dbch\af37\loch\f31502 a common practice among the Muslim community}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4094476 .}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\lang1057\langfe1033\super\loch\af31502\hich\af31502\dbch\af37\langnp1057\insrsid4094476\charrsid4094476 \chftn {\footnote \ltrpar \pard\plain \ltrpar
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\fs20\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31503 \ltrch\fcs0 \cs16\f31503\super\insrsid4094476\charrsid6100151 \chftn }{\rtlch\fcs1 \af31503 \ltrch\fcs0 
\f31503\insrsid4094476\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  }{\field{\*\fldinst {\rtlch\fcs1 \af31503 \ltrch\fcs0 \f31503\insrsid4094476\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  ADDIN ZOTERO_ITEM CSL_CITATION \{
"citationID":"Gu2yxYjO","properties":\{"formattedCitation":"Noor Ahmad;, \{\\\\i\{\}Epistemologi syara\\\\uc0\\\\u8217\{\}: mencari format baru fiqh Indonesia\} (Pustaka Pelajar, 2013), 127\\\\uc0\\\\u8211\{\}28, //opac.iainkediri.ac.id%2Fop
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: mencari format baru fiqh Indonesia (Pustaka Pelajar, 2013), 127\hich\f31503 \endash \loch\f31503 28, //opac.iainkediri.ac.id%2Fopac%2Findex.php%3Fp%3Dshow_detail%26id%3D18551.","noteIndex":2\hich\af31503\dbch\af31505\loch\f31503 4\}
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","title":"Epistemologi syara': mencari format baru fiqh Indonesia","title-short":"Epistemologi syara'","URL":"//opac.iainkediri.ac.id%2Fopac%2Findex.php%3Fp%3Dshow_detail%26id%3D18551","author":[\{"family":"Ahmad;","given":"Noor"\}],"accessed":\{
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],"schema":"https://github.com/citation-style-language/schema/raw/master/csl-citation.json"\} }}{\fldrslt {\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31503\insrsid4094476\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Noor Ahmad;, }{\rtlch\fcs1 
\ai\af31503\afs24 \ltrch\fcs0 \i\f31503\insrsid4094476\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503 Epistemologi syara\hich\f31503 \rquote \loch\f31503 : mencari format baru fiqh Indonesia}{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 
\f31503\insrsid4094476\charrsid6100151 \hich\af31503\dbch\af31505\loch\f31503  (Pust\hich\af31503\dbch\af31505\loch\f31503 aka Pelajar, 2013), 127\hich\f31503 \endash \loch\f31503 
28, //opac.iainkediri.ac.id%2Fopac%2Findex.php%3Fp%3Dshow_detail%26id%3D18551.}}}\sectd \ltrsect\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj }}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4094476\charrsid4094476 \hich\af31502\dbch\af37\loch\f31502  
\par }\pard \ltrpar\qj \fi720\li648\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin648\itap0\pararsid4274289 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4094476\charrsid4094476 
\hich\af31502\dbch\af37\loch\f31502 When observing the practices of Muslims directly, there are still many economic practices that are not entirely in accordance with Islamic law, and some of them have even become habitual. In the context of us
\hich\af31502\dbch\af37\loch\f31502 
ul al-Fiqh, this is referred to as 'urf fasid. Even Islamic Financial Institutions (LKS), which should be the enforcers of Muamalah law, have not fully implemented it, and there are still deviations in some areas. For example, the majority of Muslims are 
\hich\af31502\dbch\af37\loch\f31502 i\hich\af31502\dbch\af37\loch\f31502 nvolved in conventional bank interest practices, which have been deemed haram (forbidden) by the fatwa of DSN MUI.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4274289 \hich\af31502\dbch\af37\loch\f31502  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4094476\charrsid4094476 \hich\af31502\dbch\af37\loch\f31502 
Therefore, the presence of KHES is one of the efforts to control practices that deviate from Muamalah law, especially in the economic context\hich\af31502\dbch\af37\loch\f31502 
. Although the drafting of KHES may have appeared rushed and seemingly lacking consideration for sociological aspects, the legal perspectives of Muslims, and the opinions of legal experts, scholars, Islamic boarding schools (pesantren), and academics, inv
\hich\af31502\dbch\af37\loch\f31502 o\hich\af31502\dbch\af37\loch\f31502 
lving only a small portion of them. This differs from the drafting of the Islamic Law Book (KHI) that preceded it, which engaged many scholars (kiai), Islamic universities' Sharia faculties, renowned academics, and practitioners.}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4094476 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4094476\charrsid4094476 \hich\af31502\dbch\af37\loch\f31502 It can be understood that \hich\af31502\dbch\af37\loch\f31502 
the drafting of KHES was carried out under urgent conditions due to the demand for immediate derivative regulations from Law No. 3 of 2006. However, it must be acknowledged that KHES represents a significant achievement and a new innovation in the history
\hich\af31502\dbch\af37\loch\f31502  \hich\af31502\dbch\af37\loch\f31502 
of Islamic legal thought in Indonesia. Nevertheless, as the old saying still holds meaning, "there is no ivory that is not cracked," even in the best of circumstances, KHES still has some shortcomings, and perhaps even some errors, both in terms of conten
\hich\af31502\dbch\af37\loch\f31502 t\hich\af31502\dbch\af37\loch\f31502 
 and wording, as well as in the organization of material and other aspects. Using the words of Ibn Hajar Al-Asqalani, when considering the mistakes in ijtihad made by other mujtahids, the deficiencies and errors found in KHES, compared to its excellence a
\hich\af31502\dbch\af37\loch\f31502 n\hich\af31502\dbch\af37\loch\f31502 d advantages, can be likened to a drop in the middle of the vast ocean.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4274289 
\hich\af31502\dbch\af37\loch\f31502  Based on}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4094476\charrsid4094476 \hich\af31502\dbch\af37\loch\f31502 
 this foundation, it is entirely appropriate for all elements of society, especially those who love Islamic knowledge, Sharia adherents, }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid10177722\charrsid4094476 
\hich\af31502\dbch\af37\loch\f31502 and participants}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4094476\charrsid4094476 \hich\af31502\dbch\af37\loch\f31502  in the Islamic economy
\hich\af31502\dbch\af37\loch\f31502  and finance, and Sharia activists, to actively promote and use KHES. This includes taking an active role in contributing to the improvement and perfection of KHES, which is currently under scrutiny}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid4094476 .}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \fs24\loch\af31502\hich\af31502\dbch\af37\insrsid6952029 
\par }\pard\plain \ltrpar\s15\ql \li0\ri0\sl276\slmult1\widctlpar\tx0\tx360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3289253\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid10356352 
\par }{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid9310786\charrsid2838520 
\par }\pard \ltrpar\s15\ql \li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid606777\contextualspace {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid15073936\charrsid15073936 
\hich\af31502\dbch\af31505\loch\f31502 CONCLUSION}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31502\fs24\insrsid8938199\charrsid2838520 
\par }\pard\plain \ltrpar\qj \fi720\li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid606777 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid15073936\charrsid15073936 \hich\af31502\dbch\af31505\loch\f31502 
Islamic banking is a banking system that operates based on Sharia principles. The initiative to establish Islamic banks in Indonesia began in 1990 under the guidance of the Indonesian Ulema Council (Majelis Ulama Indonesia), and it materialized with the f
\hich\af31502\dbch\af31505\loch\f31502 o\hich\af31502\dbch\af31505\loch\f31502 
unding of Bank Muamalat Indonesia on November 1, 1991. The early development of Islamic banking within the national banking system received a swift response from the government through the enactment of Law Number 7 of 1992 concerning Banking. This law was
\hich\af31502\dbch\af31505\loch\f31502  \hich\af31502\dbch\af31505\loch\f31502 
later amended by Law Number 10 of 1998. Responding to the significant growth of Islamic banking within the national banking system, on July 16, 2008, Law Number 21 of 2008 concerning Islamic Banking was enacted as an independent legal framework for Islami
\hich\af31502\dbch\af31505\loch\f31502 c\hich\af31502\dbch\af31505\loch\f31502  banks in Indonesia.}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid877444 
\par }{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid15073936\charrsid15073936 \hich\af31502\dbch\af31505\loch\f31502 
Sociologically, the Compilation of Sharia Economic Law (KHES) was formulated in response to the development of Sharia economic practices through Islamic Financial Institutions (LKS) that required a legal framework. From a constitutiona
\hich\af31502\dbch\af31505\loch\f31502 
l perspective, KHES was prepared in response to Law Number 3 of 2006 concerning Amendments to Law Number 7 of 1989 concerning Religious Courts (UUPA), which expanded the authority of Religious Courts, including in the field of Sharia Economic Law. Neverth
\hich\af31502\dbch\af31505\loch\f31502 e\hich\af31502\dbch\af31505\loch\f31502 
less, there is a need for improvements within KHES, particularly in areas that pay closer attention to legal issues arising in Sharia transactions. Therefore, it is hoped that all sectors of society, especially those interested in Sharia knowledge and pra
\hich\af31502\dbch\af31505\loch\f31502 c\hich\af31502\dbch\af31505\loch\f31502 tices, as well as Sharia economics and finance professionals, can contribute to enhancing and perfecting KHES.}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 
\f31502\fs24\insrsid17336 
\par }{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid15073936\charrsid15073936 \hich\af31502\dbch\af31505\loch\f31502 
The existence of fatwas issued by the National Sharia Board of the Indonesian Ulema Council (DSN-MUI) provides a solution for the public when dea\hich\af31502\dbch\af31505\loch\f31502 
ling with financial institutions that involve elements prohibited in Islam. On the other hand, it also serves as a measure to anticipate potential differences in views among the Sharia Supervisory Boards that examine whether Islamic financial institutions
\hich\af31502\dbch\af31505\loch\f31502  \hich\af31502\dbch\af31505\loch\f31502 
adhere to Sharia principles or not. Moreover, it is expected that DSN-MUI can promote the application of Islamic teachings in the economy and finance, making them actively responsive to the dynamic developments in Indonesia's economy and finance.}{
\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid17336\charrsid17336 
\par }\pard \ltrpar\qj \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1331777 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\insrsid1331777\charrsid936601 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9310786 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31502\fs24\lang1057\langfe1033\langnp1057\insrsid1331777\charrsid1331777 
\par }\pard \ltrpar\ql \li288\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin288\itap0\pararsid8523208 {\rtlch\fcs1 \ab\af31507\afs24 \ltrch\fcs0 \b\f31502\fs24\cf1\insrsid11691296\charrsid11691296 REFERENCES}{\rtlch\fcs1 
\ab\af31507\afs24 \ltrch\fcs0 \b\f31502\fs24\cf1\insrsid8938199 
\par }\pard \ltrpar\qj \fi-720\li1008\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1008\itap0\pararsid331698 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 Ahmad;, Noor}{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid11684106 . Epistemologi syara\rquote 
: mencari format baru fiqh Indonesia. Pustaka Pelajar}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 , 2013. //opac.iainkediri.ac.id%2Fopac%2Findex.php%3Fp%3Dshow_detail%26id%3D18551.

\par Anshori, Abdul Ghofur. }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid11684106 Perbankan Syariah di Indonesia}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 . UGM PRESS, 2018.
\par Antonio, Muhammad Syafi\rquote i. \'93}{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid11684106 Bisnis Dan Perbankan Dalam Perspektif Hukum Islam.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 \'94 Al-Mawarid: Jurnal Hukum Islam, 1999, 17\endash 25.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208 
\par }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf20\insrsid15495071 Anonymus. }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid15495071\charrsid11684106 \'93
Penerimaan Mobile Banking Di Kalangan Nasabah Perbankan Syariah }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid15495071\charrsid8523208 | Al-Kharaj\u8239\'3f: Jurnal Ekonomi, Keuangan & Bisnis Syariah,\'94
 2 Februari 2023. https://journal.laaroiba.ac.id/index.php/alkharaj/article/view/2600.
\par }\pard \ltrpar\qj \fi-720\li1008\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1008\itap0\pararsid8523208 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 Dewi, Gemala. }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid11684106 
Aspek-aspek hukum dalam perbankan & perasuransian syariah di Indonesia.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208  Kencana, 2017.
\par Djaja, Benny. }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid11684106 Hukum Perbankan}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 . Penerbit Andi, 2020.
\par Hanif Luthfi, 212610141. }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid331698 \'93Fath Adz-Dzari\rquote ah Dan Aplikasinya Dalam Fatwa Majelis Ulama Indonesia,\'94}{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208  2017. http://repository.iiq.ac.id//handle/123456789/298.
\par Hatoli, Hatoli Hatoli. \'93}{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8721904\charrsid8721904 Telaah Sosiologi Hukum Ekonomi Terhadap}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208  }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8721904 KHES DAN}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208  }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8721904 FATWA DSN-MUI}{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 .\'94 Ijtihad\u8239\'3f: Jurnal Hukum dan Ekonomi Islam 14, no. 2 (27 September 2020). https://doi.org/10.21111/ijtihad.v14i2.4625.
\par Istanto, Sugeng. Penelitian Hukum. Yogyakarta: CV Ganda, 2007.
\par Kasmir, SE. Dasar-dasar perbankan. Depok: Rajawali Press, 2018.
\par Kompilasi hukum ekonomi syariah: dilengkapi dengan Undang-Undang Perbankan Syariah. Novindo Pustaka Mandiri, 2009.
\par Mansyur, M. Ali. \'93}{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid11684106\charrsid11684106 Aspek Hukum Perbankan Syariah Dan Implementasinya Di Indonesia}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 .\'94 Jurnal Dinamika Hukum 11, no. 0 (3 Maret 2011): 67\endash 75.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid11684106  }{\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 https://doi.org/10.20884/1.jdh.2011.11.Edsus.263.
\par }\pard \ltrpar\qj \fi-720\li1008\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1008\itap0\pararsid11684106 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 Mudzhar, M. Atho. \'93}{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid11684106 
The Legal Reasoning and Socio-Legal Impact of the Fatw\'e3s of the Council of Indonesian Ulama on Economic Issues}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 ,\'94 28 April 2016. }
{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \cs40\f31502\fs24\cf20\lang1057\langfe1033\langnp1057\insrsid4416210  HYPERLINK "https://repository.uinjkt.ac.id/dspace/handle/123456789/30921" }}{\fldrslt {\rtlch\fcs1 \af31507\afs24 
\ltrch\fcs0 \cs40\f31502\fs24\cf20\lang1057\langfe1033\langnp1057\insrsid11684106\charrsid11684106 https://repository.uinjkt.ac.id/dspace/handle/123456789/30921}}}\sectd \ltrsect
\pgnrestart\pgnstarts187\linex0\headery709\footery709\colsx708\endnhere\titlepg\sectlinegrid360\sectdefaultcl\sectrsid13895821\sftnbj {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf20\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid11684106 
.}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf20\insrsid15495071 
\par }\pard \ltrpar\qj \fi-720\li1008\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1008\itap0\pararsid8523208 {\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 Prasetyo, Yoyok. }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid331698 \'93
Perbandingan Risiko Dan Return Investasi Pada Indeks Lq 45 Dengan Indeks Jakarta Islamic Index (JII): Perbandingan Risiko Dan Return Investasi Pada Indeks Lq 45 Dengan Indeks Jakarta Islamic Index (JII).\'94}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208  El-Jizya\u8239\'3f: Jurnal Ekonomi Islam 6, no. 2 (31 Desember 2018): 287\endash 310. https://doi.org/10.24090/ej.v6i2.2043.
\par Rivai, Veithzal. Islamic banking. Bumi Aksara, 2010.
\par Shandy Utama, Andrew. }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid15495071 \'93Sejarah dan Perkembangan Regulasi Mengenai Perbankan Syariah Dalam Sistem Hukum Nasional Di Indonesia}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 .\'94 Jurnal Wawasan Yuridika 2, no. 2 (1 Oktober 2018): 187. https://doi.org/10.25072/jwy.v2i2.180.
\par Sula, Atik Emilia, Moh Nizarul Alim, dan - Prasetyono. }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid15495071\charrsid15495071 \'93Pengawasan, S
trategi Anti Fraud, Dan Audit Kepatuhan Syariah Sebagai Upaya Fraud Preventive Pada Lembaga Keuangan Syariah.\'94}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid15495071\charrsid8523208  }{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 Journal of Auditing, Finance, and Forensic Accounting 2, no. 2 (2014): 91\endash 100. https://doi.org/10.21107/jaffa.v2i2.764.
\par Sumarni, Sumarni. }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid15495071 \'93Kedudukan Hukum Islam Dalam Negara Republik Indonesia.\'94 }{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 
\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 Al-\rquote Adalah 10, no. 2 (2012): 447\endash 58. https://doi.org/10.24042/adalah.v10i2.298.
\par Utama, Andrew Shandy. \'93}{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid15495071 History and Development of Islamic Banking Regulations in the National Legal System of Indonesia}{
\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208 .\'94 Al-\rquote Adalah 15, no. 1 (2018): 37\endash 50. https://doi.org/10.24042/adalah.v15i1.2446.
\par Yumna, Laila, dan Azhar Taufik. }{\rtlch\fcs1 \ai\af31507\afs24 \ltrch\fcs0 \i\f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid15495071\charrsid8721904 \'93
Analisa Kompilasi Hukum Ekonomi Syariah Dan Fatwa Dewan Syariah Nasional Perspektif Sosiologi Hukum,\'94}{\rtlch\fcs1 \af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\lang1057\langfe1033\langnp1057\insrsid8523208\charrsid8523208  t.t.}{\rtlch\fcs1 
\af31507\afs24 \ltrch\fcs0 \f31502\fs24\cf1\insrsid15469456\charrsid8523208 
\par }\pard\plain \ltrpar\s17\qj \li0\ri29\sa144\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin29\lin0\itap0\lisa60\pararsid15469456 \rtlch\fcs1 \af31507\afs20\alang1025 \ltrch\fcs0 
\fs20\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31502\fs24\lang14345\langfe1033\langnp14345\insrsid4416210 }{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 
\f31502\fs24\lang14345\langfe1033\langnp14345\insrsid15469456 \hich\af31502\dbch\af31505\loch\f31502      }{\rtlch\fcs1 \af31503\afs24 \ltrch\fcs0 \f31502\fs24\lang14345\langfe1033\langnp14345\insrsid4416210 }{\rtlch\fcs1 \af31507 \ltrch\fcs0 
\lang14345\langfe1033\langnp14345\insrsid11149458\charrsid4145707 
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