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All Journal Yurisprudentia: Jurnal Hukum Ekonomi Mercatura Lumina: Journal of Management, Entrepreneurship, and Tourism
Purnama Hidayah Harahap
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Humanities Economics, Econometrics & Finance

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Perlindungan Data Pribadi dalam Transaksi Digital: Implikasi Regulasi, Keamanan, dan Efisiensi dalam Perspektif Hukum Ekonomi dan Hukum Islam Purnama Hidayah Harahap
Yurisprudentia: Jurnal Hukum Ekonomi Vol 11, No 1 (2025)
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/yurisprudentia.v11i1.14929

Abstract

The rapid development of digital transactions poses new challenges in personal data protection, especially related to aspects of regulation, security, and efficiency. This article aims to analyze the implications of personal data protection in digital transactions from the perspective of economic law and Islamic law. Using a normative and empirical approach, this study explores the effectiveness of applicable regulations, the level of data security implemented by digital service providers, and their impact on economic efficiency in the digital ecosystem. The results of the study show that although regulations related to personal data protection, such as Law No. 27 of 2022 concerning Personal Data Protection (PDP), have been implemented, there are still various obstacles in their implementation, including weak law enforcement and low public awareness. From the perspective of economic law, effective protection of personal data can increase consumer trust and stability of the digital market, but on the other hand, the implementation of strict regulations can also create an economic burden for business actors. Meanwhile, from the perspective of Islamic law, the protection of personal data is in line with the principles of hifz al-'ird (protection of honor) and hifz al-mal (protection of property), which emphasize the importance of safeguarding individual rights and preventing the misuse of personal information. Thus, this study emphasizes the urgency of improving regulations and strengthening data security infrastructure to create a balance between privacy protection, legal certainty, and economic efficiency in digital transactions. In addition, the integration of Islamic legal values in personal data protection policies can be a more holistic approach in building a fair and sustainable data protection system.
Analysis of Public Awareness and the Principles of Good Corporate Governance on Customer Trust in Bank Syariah Indonesia Padangsidimpuan Branch Nur Cahaya Siregar; Rosnani Siregar; Purnama Hidayah Harahap
Journal of Management, Entrepreneurship, and Tourism Vol. 1 No. 3 (2026): : August: Mercatura Lumina: Journal of Management, Entrepreneurship, and Touris
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/jc8hhk53

Abstract

Based on data from the Financial Services Authority (OJK), Islamic banking has continued to expand and become an integral component of Indonesia's financial system, although the level of Islamic financial literacy remains lower than that of conventional finance. This study aims to examine the effects of public awareness and Good Corporate Governance on customer trust at Bank Syariah Indonesia Padangsidimpuan Branch. A quantitative approach with a causal associative research design was employed. The study involved 100 customers selected through purposive sampling, and data were collected using a structured questionnaire with a five-point Likert scale. Data were analyzed using validity, reliability, and normality tests, followed by multiple linear regression, t-test, F-test, and coefficient of determination (R²). The findings indicate that public awareness has a positive and significant effect on customer trust. In contrast, Good Corporate Governance does not have a significant partial effect on customer trust. However, public awareness and Good Corporate Governance jointly exert a significant influence on customer trust. The coefficient of determination shows that both independent variables explain 78.4% of the variance in customer trust, while the remaining 21.6% is attributable to factors beyond the scope of this study. These findings highlight the importance of strengthening Islamic financial literacy alongside governance practices to foster sustainable customer trust in Islamic banking.
Co-Authors Nur Cahaya Siregar Rosnani Siregar