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All Journal SUPREMASI: Jurnal Pemikiran, Penelitian Ilmu-Ilmu Sosial, Hukum dan Pengajarannya JURNAL LITIGASI (e-Journal) MEDIA HUKUM "MEDIA KOMUNIKASI HUKUM" KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA Jurnal Akta Jurnal Notarius DE LEGA LATA: Jurnal Ilmu Hukum Journal of Education, Humaniora and Social Sciences (JEHSS) DOKTRINA: JOURNAL OF LAW Veteran Law Review Pena Justisia: Media Komunikasi dan Kajian Hukum Borneo Law Review Journal JHR (Jurnal Hukum Replik) Randwick International of Social Science Journal International Journal Reglement & Society (IJRS) Suloh : Jurnal Fakultas Hukum Universitas Malikussaleh
Ramlan Ramlan
Universitas Muhammadiyah Sumatera Utara
Humanities Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Investor Protection Model in Digital Retail SBSN with Sharia Compliance Assurance Sahdani Ritonga; Ramlan Ramlan; Muhammad Arifin
JURNAL AKTA Vol 13, No 2 (2026): June 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i2.51973

Abstract

This study aims to analyze and develop an investor protection model in Digital Retail Sovereign Sukuk (SBSN) within the context of digital financial service transformation. The increasing use of digital platforms in retail sukuk distribution has introduced new challenges in investor protection, particularly regarding the adequacy of risk disclosure, the effectiveness of complaint handling mechanisms, and the assurance of sharia compliance in digital transactions. The research employs a socio-legal research approach with qualitative descriptive analysis. The data used are secondary legal materials consisting of laws and regulations on sovereign sukuk, financial technology governance, financial consumer protection, and sharia compliance frameworks. Data collection was conducted through document analysis, while data analysis was performed using qualitative legal interpretation to identify gaps between normative regulation and its implementation in the digital retail SBSN ecosystem. The novelty of this study lies in the formulation of an integrated investor protection model that combines standardized digital risk disclosure, an integrated complaint and dispute resolution system, and a structured sharia compliance assurance mechanism that is auditable and transparent within the digital distribution process. The study concludes that effective investor protection in Digital Retail SBSN requires the strengthening of standardized risk communication, the establishment of a unified complaint handling system with clear escalation procedures, and the implementation of an accountable sharia compliance assurance framework. These components collectively enhance legal certainty, transparency, and investor trust in the digital sovereign sukuk market.
A Legal Reconstruction Model for Village-Owned Enterprises (BUMDES) Governance Based on Minimum Regulatory Standards to Strengthen Village-Owned Enterprises (PADES) In North Sumatra Muhammad Khoirul Ritonga; Ramlan Ramlan; Surya Perdana
JURNAL AKTA Vol 13, No 2 (2026): June 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i2.51888

Abstract

Village-Owned Enterprises (BUMDes) are expected to strengthen village revenue (PADes), yet many initiatives in practice are constrained by weak governance design, overlapping roles at the village level, limited transparency, and inconsistent compliance with existing regulations. This article formulates a legal reconstruction model for BUMDes governance through Minimum Regulatory Standards (MRS) as an operational bridge between normative rules and implementation needs in North Sumatra. The objective is to develop a structured and applicable governance framework that improves accountability, reduces conflicts of interest, and supports sustainable PADes generation. This research uses a normative-empirical legal approach by integrating statutory and conceptual analysis with an implementation-oriented assessment of governance problems commonly found in BUMDes management. The proposed model consists of: (i) a village-level check-and-balance design (mandate holder–management–supervision), (ii) core SOP and internal control standards for procurement, cash, receivables, inventory, investment, and risk, (iii) performance indicators and public reporting mechanisms to ensure transparency, and (iv) conflict-of-interest controls through ethics rules, role restrictions, and enforceable internal sanctions. The findings argue that the MRS-based reconstruction model provides a concrete legal-institutional blueprint to standardize governance quality, enhance public trust, and improve PADes performance while remaining adaptable to local capacity differences among villages.
Co-Authors Ahmad Duroni Nasution Ayu Rizkie Dewi Kartika Eka NAM Sihombing Faisal Riza Fajriawati Fauzi, Ahmad Ferry Susanto Limbong Hamzar Nodi Harisman Harisman Herikson P. Siahaan Ibrahim Nainggolan Ida Hanifah Ida Nadirah Khaidir Nasution Koto, Ismail Mahmul Siregar Muhammad Arifin Gultom Muhammad Khoirul Ritonga Muthia Susan Fadillah Bulolo Nurul Hakim Purwoko, Agus Rachmad Abduh Rizki Rahayu Fitri Sahdani Ritonga simon simon Songtinus Songtinus Surya Perdana Tengku Erwin Syahbana Tengku Erwinsyahbana Triono Eddy Yose Rizal Efendi