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All Journal Jurnal Kajian Hukum Dan Kebijakan Publik Jurnal Hukum dan Pendidikan Kewarganegaraan
Helfira Citra
Manajemen Pemasaran, Ekonomi dan Bisnis, Universitas Andalas
Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Peran Literasi Keuangan Dalam Menekan Risiko Hukum Investasi Di Pasar Modal Indonesia Jahraa Salsabiil Bahi Efendi; Indra Nova; Sofi Indriani; Reyvanda Yudi Putra; Radhi Muhammad Arfa; Helfira Citra
Jurnal Kajian Hukum Dan Kebijakan Publik | E-ISSN : 3031-8882 Vol. 3 No. 1 (2025): Juli - Agustus
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/e7ze2f98

Abstract

Financial literacy is a fundamental factor in supporting sound investment decision-making and minimizing legal risk in the Indonesian capital market. Low levels of investor financial literacy have the potential to lead to various legal issues, such as misunderstanding the characteristics of investment instruments, legal rights and obligations, and increased vulnerability to illegal investment practices. This study aims to analyze the role of financial literacy in mitigating legal investment risks in the Indonesian capital market. The research method used is a qualitative approach using literature review techniques, sourced from scientific journals, capital market laws and regulations, and official publications of relevant authorities. The results indicate that improving financial literacy can enhance investors understanding of investment law, encourage more rational investment behavior, and raise awareness of available legal protection mechanisms. Thus, financial literacy plays a preventive role in reducing the potential for disputes and legal violations in the Indonesian capital market. This research is expected to serve as reference for regulators, market players, and academics in formulating strategies for improving sustainable financial literacy.
Pembiayaan Dalam Perspektif Ekonomi Dan Hukum Muhammad Faris Al Hadi; Muhammad Fathir Alghifari; Priska Pebriana; Lulu Putia Zubir; Indah Permata Ali; Helfira Citra
Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan Vol. 2 No. 1 (2025): Oktober - Desember
Publisher : GLOBAL SCIENTS PUBLISHER

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Abstract

Financing is an essential instrument in the financial system that plays a significant role in supporting economic activities and promoting economic growth as well as public welfare. This study aims to analyze the concept and role of financing in economic activities, the legal basis and implementation mechanisms of financing in Indonesia, and the problems and settlement of financing from economic and legal perspectives. This research employs a normative legal research method with a juridical-normative approach, supported by library research on statutory regulations, academic literature, and data from financial authorities. The results indicate that financing contributes significantly to economic growth, particularly in the development of micro, small, and medium enterprises (MSMEs), and enhances the effective utilization of funds through the intermediation function of financial institutions. From a legal perspective, financing in Indonesia is regulated comprehensively under Law Number 10 of 1998 on Banking, the Indonesian Civil Code, and implementing regulations issued by Bank Indonesia and the Financial Services Authority. However, in practice, financing still faces challenges in the form of non-performing financing due to debtor default. Therefore, financing restructuring and the application of the prudential principle are essential measures to ensure legal certainty and maintain the stability of the financial system.
Co-Authors Indah Permata Ali Indra Nova Jahraa Salsabiil Bahi Efendi Lulu Putia Zubir Muhammad Faris Al Hadi Muhammad Fathir Alghifari Priska Pebriana Radhi Muhammad Arfa Reyvanda Yudi Putra Sofi Indriani