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All Journal Jurnal Hukum Novelty Jurnal Ilmiah Hukum LEGALITY Legal Standing : Jurnal Ilmu Hukum Jurnal Hukum Volkgeist Pagaruyuang Law Journal JHR (Jurnal Hukum Replik) Indonesian Journal of Law and Policy Studies JIHAD : Jurnal Ilmu Hukum dan Administrasi Jurnal Pengabdian kepada Masyarakat Jurnal Pengabdian Masyarakat Bestari (JPMB) Community Services and Social Work Bulletin Jurnal Magister Ilmu Hukum : Hukum dan Kesejahteraan Greenation International Journal of Law and Social Sciences Jurnal Jurisprudence
Upik Mutiara
Universitas Muhamadiyah Tangerang
Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : Jurnal Hukum Novelty

 1 
Construction of Financial Technology in Banking Systems in Indonesia Upik Mutiara; Lupita Risma Candanni; Rahmad Ramadhan Hasibuan
Jurnal Hukum Novelty Vol 10, No 2 (2019)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (794.403 KB) | DOI: 10.26555/novelty.v10i2.a13920

Abstract

Introduction to The Problem: The use of information technology innovations in banking today through digital platforms or online or known as financial technology (commonly abbreviated as fintech) can indeed provide financial services to the public at a lower cost than traditional banking methods. But behind the sophistication of technology as well as an increase in banking risk, especially if the regulations that govern it have not been comprehensive.Purpose/Objective Study: This paper examines the development of various regulatory regulations in the field of fintech in Indonesia.Design/Methodology/Approach: The research method used in this study is qualitative through normative legal research. The obtained data analyzed by statutory approach to interpret the existing legal rules on Indonesian Banking.Findings: The results obtained are that the existence of fintech which is considered as disruptive innovation (disruptive innovation) has changed the old market and revolutionized the workings of traditional financial institutions. Therefore, the government through the financial authority that is authorized to respond to the development of fintech in the Indonesian banking system by making various regulations. In addition, the development of fintech business integration with banking institutions must also be a concern for both parties so that the development of fintech is not only a disruption but can also be a safe innovation for customers to use.Paper Type: Research Article
Legal protection for personal data security and muzakki financial transactions on digital zakat platform Insani, Nur; Rohaya, Nizla; Mutiara, Upik; Maguchu, Prosper
Jurnal Hukum Novelty Vol. 15 No. 1 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26555/novelty.v15i1.a27200

Abstract

Introduction to the Problem: The implementation of digital zakat has become a popular trend for zakat practices in Indonesia, allowing the muzakki to make their payments swiftly and easily online. However, there are several challenges faced in the adoption of digital zakat in Indonesia, including concerns on the security of personal data and financial transactions. The potentials for hacking or misuse of muzakki's personal data may hinder the development of digital zakat.Purpose/Study Objective: This paper examines the legal protection of the personal data of zakat payers who use digital platforms as the means for distributing their zakat.Design/Methodology/Approach: The method used in this study is qualitative through normative legal research. The data obtained is analyzed with conceptual approach to formulate specific regulations governing digital zakat platform in detail.Findings: The existence of digital zakat is considered a technological innovation that has increased the accessibility of zakat for the people, thereby improving the welfare of those underprivileged. However, confusion and uncertainty regarding the rules and procedures of digital zakat remain in Indonesia. Digitising zakat brings along its own risks and challenges, including the potential for the misuse of funds, data security issues, and the lack of monitoring and accountability. To ensure the appropriate use of zakat funds in accordance with Islamic law and the relevant regulations, both the zakat institutions and the government must strengthen their supervisory and control over the collection and distribution of zakat through digital platforms. Additionally, it is important to note that not all levels of society in Indonesia have access to digital technology. A significant portion of the population, particularly those in remote areas, may not be able to fully participate in digital zakat practices due to lack of internet access or other necessary equipment.Paper Type: Research Article
Co-Authors Abdul Karim Ade Novensia Arahman Ahmad Ahmad Amiludin, Amiludin Amiludin, Amiludin Asdar Arti Daniel Dewantoro Rumani Dedeh Latipah Fitri, Dian Hamdani Hamdani Haritsa Haritsa Hasibuan, Rahmad Ramadhan Hayati Nufus Ika Khairunnisa Simanjuntak Lupita Risma Candanni Lupita Risma Candanni Maguchu, Prosper Mohammad Dimas Atmadja Muhamad Javier Ramzy Mutiara Nabila Rizqi Nizla Rohaya Nur Insani Nur Insani Rahmad Ramadhan Hasibuan Rahmad Ramadhan Hasibuan Rahmad Ramadhan Hasibuan Rijal Ibnu Sani Rohaya, Nizla Romi Maulana Ronald Samuel Wuisan Rosyidin, Ali Sadino Sadino Simanjuntak, Ika Khairunnisa Sinulingga, Dini Bahraini Suharti, Eni Titi Yuliati Udin Jahudin Veronica Hartanto, Erlin Warsito Warsito Weldy Jevis Saleh Zatira, Dhea