Satria, Muhammad Hatta
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PERLINDUNGAN KERAHASIAAN DATA INVESTOR UNTUK PENCEGAHAN KEBOCORAN DATA INVESTOR PADA PERUSAHAAN INOVASI KEUANGAN DIGITAL GOOLIVE Satria, Muhammad Hatta
Jurisdictie: Jurnal Hukum dan Syariah Jurisdictie: Vol. 10, No. 1 (2019)
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j.v10i1.6967

Abstract

The change in the digitalization era changed the way social interactions and personal relationships interact. Technological advancements facilitate the activities of millennial generations, especially in investing. The investment that is currently trading topic is financial technology. One of the financial technology companies that is the object of this research is Goolive. One of the financial technology companies that is engaged in agriculture uses the equity crowdfunding system. The use of crowdfunding systems, of course, Goolive companies have quite a lot of investors in running their businesses. So the purpose of this study is to find out the security system of the Goolive company in protecting investor data in an effort to avoid data leakage. This research is normative research using two approaches, namely legislation (statue approach) and conceptual approach (conceptual approach). The results of this study indicate that the first Goolive digital financial innovation company in its space is based on the Financial Services Authority Regulation Number / POJK.04 / 2018 concerning Fund Disbursement Services through Equity Crowdfunding and in anticipation of investor data leakage by limiting accessing data, using secret passwords, and changing passwords and verification. Second, the obstacles faced by startup companies are also felt by other startup companies, namely the lack of human resources who are experts in the field of cyber security. Third, financial technology dispute resolution can be carried out with litigation lines (court) or non-litigation channels. Completion of non-litigation can be taken using the APS by means of Negotiation, Binding Opinion, Mediation, Conciliation, Adjudication and Arbitration.Adanya perubahan era digitalisasi mengubah cara berinteraksi sosial dan hubungan personal manusia. Kemajuan teknologi mempermudah aktivitas generasi milenial khususnya dalam berinvestasi. Investasi yang menjadi trading topic saat ini yaitu finansial teknologi. Salah satu perusahaan teknologi finansial yang menjadi objek penelitian ini adalah Goolive. Salah satu perusahaan finansial teknologi yang bergerak dalam bidang pertanian ini menggunakan sistem equity crowdfunding (penggalangan dana). Adanya penggunaan sistem crowdfunding, pastinya perusahaan Goolive memiliki investor cukup banyak dalam menjalankan bisnisnya. Sehingga tujuan penelitian ini untuk mengetahui sistem keamanan perusahaan Goolive dalam melindungi data investor sebagai upaya menghindari kebocoran data. Penelitian ini adalah penelitian normatif dengan menggunakan dua pendekatan, yaitu perundang-undangan (statue approach) dan pendekatan konsep (conceptual approach). Hasil penelitian ini menunjukkan bahwa bahwa pertama perusahaan inovasi keuangan digital Goolive dalam ruang geraknya berdasarkan Peraturan Otoritas Jasa Keuangan Nomor / POJK.04/ 2018 Tentang Layanan Urun Dana Melalui Penawaran Saham Berbasis Teknologi Informasi (Equity Crowdfunding) dan dalam mengantisipasi adanya kebocoran data investor dengan membatasi pengaksesan data, penggunaan sandi rahasia, dan mengganti sandi serta verifikasi. Kedua, hambatan yang dialami perusahaan startup ini juga dirasakan oleh perusahaan-perusahaan startup yang lain yaitu minimnya sumber daya manusia yang ahli dalam bidang cyber security. Ketiga, penyelesaian sengketa teknologi finansial dapat dilakukan dengan jalur litigasi (pengadilan) ataupun jalur non-litigasi. Penyelesaian non-litigasi dapat ditempuh menggunakan APS dengan cara Negosiasi, Pendapat Mengikat, Mediasi, Konsiliasi, Adjudikasi dan Arbitrase.
Regulatory Frameworks In Islamic Fintech: Comparative Insights From Indonesia and Malaysia Fidhayanti, Dwi; Mohd Noh, Mohd Shahid; Hanafi, Hanira; Satria, Muhammad Hatta
Jambura Law Review VOLUME 7 NO. 2 JULY 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33756/jlr.v7i2.30447

Abstract

Despite the rapid expansion of Islamic fintech in Indonesia and Malaysia, research comparing the legal and regulatory frameworks in both jurisdictions remains limited. This study addresses that gap by examining the differences and challenges within each country’s legal infrastructure that impact the development and governance of Sharia-compliant financial technology. The objective of this research is to analyze and compare the regulatory systems in Indonesia and Malaysia to identify structural strengths, weaknesses, and their implications for legal certainty and financial innovation. Employing a normative juridical method with a comparative legal approach, the study analyzes statutory instruments, regulatory frameworks, and institutional roles in both countries. The findings reveal that Malaysia benefits from a more cohesive and structured legal framework under the Islamic Financial Services Act 2013, supervised by Bank Negara Malaysia and the Securities Commission, ensuring enforceable Sharia compliance and robust innovation support. In contrast, Indonesia's regulatory environment suffers from fragmented oversight between OJK and DSN-MUI, resulting in legal uncertainty and limited enforcement of Sharia principles. This research contributes to the field of Islamic financial law by offering policy recommendations to harmonize regulatory frameworks, enhance legal clarity, and promote the sustainable growth of Islamic fintech ecosystems in Southeast Asia.