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All Journal Jurnal Hukum Caraka Justitia Genta Mulia
Maryani
Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
Humanities Law, Crime, Criminology & Criminal Justice

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Implementasi Maqashid Syariah dalam Regulasi Fintech Syariah: Analisis Yuridis-Normatif Terhadap Perlindungan Konsumen di Indonesia Maryani; Ahmadi; Munawar Zulfikar; Sisliandri; Muhammad Ridho Saputro
Jurnal Hukum Caraka Justitia Vol. 6 No. 1 (2026)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jhcj.v6i1.2502

Abstract

The rapid growth of Islamic financial technology (Syariah fintech) in Indonesia presents unique challenges in striking a balance between Sharia compliance and consumer protection mechanisms. Although regulatory frameworks from the OJK and DSN-MUI are in place, significant gaps remain in the implementation of maqashid Syariah principles within fintech operations. This study examines the extent to which Indonesia’s Syariah fintech regulations incorporate maqashid sharia principles for consumer protection, identifies regulatory gaps, and proposes a comprehensive framework for addressing these gaps. Using a juridical-normative approach, the research analyzes primary legal sources, including Law No. 21/2008, OJK Regulation No. 77/2016, and DSN-MUI Fatwas, as well as secondary sources from Scopus- and SINTA-indexed journals. The findings reveal three critical gaps: inadequate operationalization of the maslahah principle in algorithmic decision-making, limited protection against predatory lending practices, and insufficient Syariah-specific complaint mechanisms. Effective consumer protection in Syariah fintech requires regulatory reforms that embed maqashid sharia principles into licensing requirements, operational standards, and dispute resolution mechanisms through a three-tiered regulatory framework.
KONSEPSI ETIKA, MORAL, DAN ILMU PENGETAHUAN DALAM PERSPEKTIF HUMANISME Asrulla Asrulla; Ahmad Syukri; Maryani; Firdaus Jeka; Roni Junaidi
Jurnal Genta Mulia Vol. 15 No. 2 (2024): JURNAL GENTA MULIA
Publisher : LPPM Universitas Cipta Mandiri

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Abstract

The science seeks to reveal reality as it is; ethics and morals are essentially guides on what humans should do. Science is a conscious effort to investigate, discover, and enhance human understanding of various aspects of reality within the human realm. These aspects are limited to produce definite formulations. Science provides certainty by limiting its scope of view, and the certainty of sciences is derived from its limitations. Science is not just knowledge but encompasses a collection of knowledge based on agreed-upon theories and can systematically be tested with a set of recognized methods in a specific field of science.
DISKURSUS LOGIKA DAN PENALARAN DALAM MENGEMBANGKAN KEMAMPUAN BERPIKIR KRITIS M. Husnullail; Ahmad Syukri; Maryani; Asbui; Deassy Arestya Saksitha Pulungan
Jurnal Genta Mulia Vol. 15 No. 2 (2024): JURNAL GENTA MULIA
Publisher : LPPM Universitas Cipta Mandiri

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Abstract

Logic is a branch of philosophy that explores rules, principles, legal books, and methods or procedures in achieving knowledge rationally and correctly. It is also a way to acquire knowledge using systematic reasoning, words, and language. Logic can be systematized into several categories depending on the perspective from which we view it. In terms of quality, logic can be distinguished into two, namely natural logic and artificial logic (scientific logic). Reasoning is a critical thinking process in drawing conclusions that result in knowledge. Humans are fundamentally creatures that think, feel, behave, and act. Attitudes and actions are based on knowledge obtained through feeling or thinking activities. Reasoning produces knowledge associated with critical thinking activities. Reasoning is a critical thinking process in drawing conclusions that result in knowledge. Therefore, reasoning is one of the processes in critical thinking that combines two or more thoughts to draw a conclusion to gain knowledge.
Co-Authors Ahmad Syukri Ahmadi Asbui Asrulla Asrulla Deassy Arestya Saksitha Pulungan Firdaus Jeka M. Husnullail Muhammad Ridho Saputro Munawar Zulfikar Roni Junaidi Sisliandri