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All Journal Masalah-Masalah Hukum LAW REFORM Dimas: Jurnal Pemikiran Agama untuk Pemberdayaan Al-Ahkam El-Mashlahah Economica: Jurnal Ekonomi Islam Jurnal Ilmiah Al-Syir'ah Istinbath: Jurnal Hukum dan Ekonomi Islam ADLIYA: Jurnal Hukum dan Kemanusiaan Walisongo Law Review (Walrev) Journal La Sociale Volksgeist: Jurnal Ilmu Hukum dan Konstitusi Journal of Law, Poliitic and Humanities Lex Scientia Law Review
Afif Noor
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Religion Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Regulation of Halal Labeling on Indonesian MSME Food Products Based on Positive Law Masriani, Yulies Tiena; Maruf, Maruf; Noor, Afif
LAW REFORM Vol 21, No 2 (2025): Law Reform
Publisher : PROGRAM STUDI MAGISTER ILMU HUKUM FAKULTAS HUKUM UNIVERSITAS DIPONEGORO SEMARANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/lr.v21i2.66716

Abstract

Halal food has become an increasingly important concept over the past decade, driven by growing consumer awareness of the significance of halal products that comply with national positive law. However, challenges such as the high cost of halal certification and limited understanding of halal labeling remain major obstacles, particularly for micro, small, and medium-sized enterprises (MSMEs). This study aims to examine the regulation of halal labeling and its implications for consumer protection and the development of MSMEs in Indonesia. The research method employed is normative juridical, utilizing legal sources including laws and regulations. The findings indicate that Indonesia, as the country with the largest Muslim population in the world, represents a significant market for halal products. Halal labeling, as regulated by Law Number 33 of 2014 concerning Halal Product Assurance, plays a crucial role in ensuring the halal status of products for Muslim consumers. The study concludes that halal certification not only provides essential consumer protection but also opens broader access to global markets. Therefore, the government, through certification bodies such as BPJPH and MUI, plays a pivotal role in ensuring product halalness and promoting the growth of the halal industry in Indonesia.
Developing Inclusive Regulations for Muslim Disabled Entrepreneurs' Access to Sharia Fintech: Legal and Accessibility Perspectives Noor, Afif; Maruf, Maruf; Mawahib, Muhamad Zainal; Habib, Muhammad Akmal
Jurnal Ilmiah Al-Syir'ah Vol 23, No 1 (2025)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/jis.v23i1.3194

Abstract

In Indonesia, Muslim persons with disabilities (PwDs) face significant barriers in accessing financial services, including Sharia-based fintech platforms. This study aims to develop inclusive regulatory strategies to enhance their access to Sharia-compliant fintech funding. Employing a normative legal approach and conceptual analysis based on maqashid sharia, the research highlights the lack of integration between digital accessibility standards such as the Web Content Accessibility Guidelines (WCAG) and current Sharia fintech regulations. The findings propose a five-part inclusive strategy grounded in the principles of justice (al-‘adālah), facilitation (al-taysīr), and the removal of hardship (raf' al-ḥaraj): identifying accessibility needs, designing adaptive regulations, enhancing human resource capacity, integrating cross-sectoral policies, and establishing participatory monitoring and enforcement. This framework not only empowers Muslim disabled entrepreneurs within Indonesia but also holds global significance, especially for Muslim minority communities in non-Muslim countries such as China. Indonesia’s experience demonstrates that inclusive Sharia fintech regulations can be framed within universal legal and ethical values, making them adaptable to diverse socio-legal contexts. This study contributes to building a more inclusive and equitable Islamic financial ecosystem that promotes dignity, empowerment, and access for all, particularly those who are socially and economically marginalized.
Regulation of Sharia Information Technology-Based Peer-To-Peer Financing Services in POJK No. 10/POJK.05/2022 Noor, Afif; Wulandari, Dwi
ADLIYA: Jurnal Hukum dan Kemanusiaan Vol. 17 No. 1 (2023): ADLIYA: Jurnal Hukum dan Kemanusiaan
Publisher : Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/adliya.v17i1.21887

Abstract

The regulation of Sharia Information Technology-Based Peer to Peer Financing Services (LPBBTI) is essential for its operational and supportive role in creating a prudent Sharia LPBBTI ecosystem. In July 2022, the Financial Services Authority issued a new regulation, Financial Services Authority Regulation No. 10/POJK.05/2022, which replaced the previous one. This research analyses the legal relationship, operational procedures, and protection of Sharia LPBBTI users under the latest regulation. The study applied normative juridical research and used relevant legal materials obtained through document studies. The findings reveal that POJK No. 10/2022 regulates the legal relationships between parties and protects service users but does not restrict the relationship between recipients and organisers of Sharia LPBBTI. Additionally, the regulation does not provide alternative dispute resolution mechanisms outside the court and only applies to licensed Sharia LPBBTI operators, leaving illegal operators outside its scope.Pengaturan Layanan Pembiayaan Bersama Berbasis Teknologi Informasi Syariah (LPBBTI) sangat signifikan sebagai pijakan operasional dan untuk mendukung ekosistem LPBBTI syariah yang prudent. Pada bulan Juli 2022, Otoritas Jasa Keuangan menerbitkan Peraturan Otoritas Jasa Keuangan (POJK) No. 10/POJK.05/2022 yang menggantikan POJK No. 77/POJK.01/2016. Fokus kajian dalam studi ini adalah bagaimana hubungan hukum, operasional, dan perlindungan hukum pengguna LPBBTI syariah diatur dalam peraturan terbaru tersebut? Penelitian ini tergolong dalam penelitian yuridis normatif dengan meng­guna­kan data sekunder yang dilakukan melalui studi dokumen. Dari hasil analisis kualitatif meng­hasilkan temuan bahwa POJK No. 10 Tahun 2022 telah mengatur hubungan hukum para pihak tetapi tidak mengatur hubungan hukum antara penerima dana dengan penye­leng­gara LPBBTI syariah. Adapun beberapa hak pengguna layanan diatur sebagai bentuk per­lindungan hukum. Namun di sisi lain, POJK No. 10 Tahun 2022 tidak menyediakan alternatif penyelesaian sengketa di luar pengadilan. Aturan yang terdapat dalam POJK No. 10 Tahun 2022 bersifat teknis dan hanya mengatur penyelenggara LPBBTI syariah yang resmi, sehingga tidak mencakup penyelenggara LPBBTI ilegal.
Pawning Online Game Accounts From a Civil Law Perspective: A Case Study Kamila, Najma; Noor, Afif; Asari, Aang
Journal La Sociale Vol. 6 No. 6 (2025): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v6i6.2401

Abstract

The use of games today is no longer limited to mere entertainment; the function of games has expanded into sports and business. One unique aspect of games in the business world is the existence of game accounts with significant economic value. Several factors, including quality, demand, and the rarity of items within the account, influence the economic value of a game account. In its development, game accounts are no longer limited to buying and selling; recently, a business entity has utilized game accounts as collateral. This requires further examination from the property law perspective and relevant security law regarding online game accounts. This study employs a normative legal research method with a statutory approach, utilizing legal regulations and academic articles as sources of law. The research findings indicate that the owner of an online game account is merely a possessor and does not possess property rights over the account itself, as property rights are inherently tied to ownership. Ownership remains solely with the game developer/publisher, while the player only obtains a license. It is crucial to be aware of the legal limitations, as the nature of the account transfer agreement is invalid because it does not comply with the fourth element of Article 1320 of the Indonesian Civil Code, so any agreement intended to transfer an account is deemed null and void. The pawn scheme from @sytnaxgadaigame is invalid because it does not meet the principles of Security Law.
The Legal Basis of Information Technology Based Cofinancing Services in Indonesia Noor, Afif; Maskur, Ali
Walisongo Law Review (Walrev) Vol. 4 No. 2 (2022)
Publisher : Universitas Islam Negeri Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/walrev.2022.4.2.13520

Abstract

The rapidly growing information technology-based co-financing service (LPBBTI) in Indonesia requires a forceful legal basis for the parties involved in information technology-based financial services. As a rule-of-law country, Indonesia must make the rule of law the commander in chief and guide behavior. This research seeks to find the legal basis of LPBBTI in the laws and regulations of Indonesia, which is carried out by document study and uses a statute approach. The data obtained were then analyzed qualitatively. This research did not find any legal basis for LPBBTI in the law, but there are several laws related to LPBBTI, such as the Civil Code and Law No. 11 of 2008. The legal basis for LPBBTI specifically only exists in the Financial Services Authority Regulation No. 10/POJK.05/2022 and  No. 13/POJK.02/2018.Layanan Pendanaan Bersama Berbasis Teknologi Informasi (LPBBTI) yang berkembang pesat di Indonesia memerlukan landasan hukum kuat sebagai panduan para pihak yang terlibat dalam layanan keuangan berbasis teknologi informasi tersebut. Indonesia sebagai penganut negara hukum harus menjadikan hukum sebagi panglima dan pedoman dalam bertingkah laku. Penelitian ini berusaha menemukan landasan hukum LPBBTI dalam peraturan perundang-undangan di Indonesia yang dilakukan dengan studi dokumen dan menggunakan pendekatan statute. Data yang diperoleh kemudian dianalisa secara kualitatif. Penelitian ini tidak menemukan landasan hukum LPBBTI dalam undang-undang tetapi ada beberapa undang-undang yang terkait dengan LPBBTI seperti Kitab Undang-Undang Hukum Perdata dan Undang-Undang No. 11 tahun 2008. Dasar Hukum LPBBTI terdapat dalam Peraturan Otoritas Jasa Keuangan No. 10/POJK.05/2022 dan No. 13/POJK.02/2018.
Maslahah-Based Protection of Fund Recipients in Fintech Lending Through Empowerment and Justice Noor, Afif; Maskur, Ali; Kholiq, Arifana Nur; Rurkinantia, Aisa; Saifudin, Saifudin; Adila, Arina Hukmu; Maruf, Maruf
El-Mashlahah Vol 15 No 1 (2025)
Publisher : Sharia Faculty of State Islamic Institute (IAIN) Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/el-mashlahah.v15i1.7786

Abstract

The rapid growth of fintech lending in Indonesia requires adequate regulation and protection for consumers, especially fund recipients, who face high risks such as intimidation and sexual harassment, high-interest charges, and misuse of personal data by fintech lending platforms. For this reason, protecting fund recipients is a primary need because it involves protecting life and property, which is integral to the benefit of maqashid sharia. The main objective of this research was to detail the concepts of empowerment and justice as pillars of protection for fund recipients in fintech lending from a maslahah perspective. The research used normative juridical methods with statutory and conceptual approaches and analyzed secondary data from document studies in a descriptive qualitative. The results showed that empowerment and protection of fund recipients in fair fintech lending align with the principle of maslahah, contribute positively to the welfare of society, and support the growth of a sustainable fintech lending industry ecosystem, and offering hope for a better future.
Digital Economy Regulation and Consumer Rights Protection: Realizing Security in Financial Technology Transactions Noor, Afif; Maskur, Ali; Wulandari, Dwi; Afif, Aqila-Syarief Muhammad; Azmi, Muhammad Fazli
Lex Scientia Law Review Vol. 9 No. 2 (2025): November, 2025: Law, Policy, and Governance in Contemporary Socio-Economic Tran
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/lslr.v9i2.24927

Abstract

Financial technology has experienced rapid expansion amidst the digital economic development that has made services more accessible while increasing financial inclusion. The rapid growth of financial technology creates substantial challenges for consumer protection. The primary problems arise from inadequate data protection measures and electronic payment security protocols. The lack of proper security measures and insufficient digital literacy exposes consumers to increasing risks of data theft, phishing attacks, and personal information misuse. This research evaluates the current regulatory structure that defends consumer rights and ensures secure financial operations through technological systems. The study adopts a normative legal research method through statutory analysis. The research shows that Indonesia's regulatory framework extends broad protection but requires modernization to address contemporary technological developments and emerging security risks. Fintech requires a regulatory framework that adjusts to evolving conditions while fostering partnerships to deliver adequate consumer protection.
Co-Authors Adila, Arina Hukmu Afif, Aqila-Syarief Muhammad Ali Maskur Anwar, Maulana Arifana Nur Kholiq, Arifana Nur Arifin, Moh. Asari, Aang Azmi, Muhammad Fazli Damanik, Ade Zuki Dimas Fahmi Fikri Dwi Wulandari Habib, Muhammad Akmal Ichrom, Mohamad Ismail Marzuki Kamila, Najma Maruf Maruf, Maruf Masriani . Muhamad Zainal Mawahib Reza Fachruddin, Mohammad Rurkinantia, Aisa Saifudin Saifudin Saputro, Edy