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All Journal Jurnal Rekayasa Proses International Journal of Renewable Energy Development Jurnal Kompetensi Teknik Jurnal Bahan Alam Terbarukan Rekayasa: Jurnal Penerapan Teknologi dan Pembelajaran Konversi Jurnal Rekayasa Bahan Alam dan Energi Berkelanjutan Jurnal Rekayasa Proses RANDANG TANA - Jurnal Pengabdian Masyarakat Kumawula: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah Cendekia Eksakta Jurnal Inovasi Teknik Kimia Jurnal Pengabdian Masyarakat: Darma Bakti Teuku Umar ASEAN Journal of Chemical Engineering Jurnal Pengabdian kepada Masyarakat Nusantara ABDIMASY: Jurnal Pengabdian dan Pemberdayaan Masyarakat PENGABDI: Jurnal Hasil Pengabdian Masyarakat REACTOR : Journal of Research On Chemistry And Engineering Berajah Journal Journal of Industrial Community Empowerment Jurnal Teknik Kimia dan Lingkungan Sainteknol : Jurnal Sains dan Teknologi
Bayu Triwibowo
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science Materials Science & Nanotechnology Mechanical Engineering Medicine & Pharmacology Social Sciences Other

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POLITIK HUKUM DALAM KEBIJAKAN PENANGGULANGAN DEEPFAKE POLITIK ANCAMAN BARU TERHADAP INTEGRITAS DEMOKRASI Imam Fathwa; Mustofa Kamil; Bayu Triwibowo; Tri Susanto; Ratu Chumairoh Noor; Dian Retno Widayati
Berajah Journal Vol. 6 No. 2 (2026): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v6i2.406

Abstract

Advances in artificial intelligence (AI) technology have given rise to the phenomenon of deepfakes, which pose a serious threat to the integrity of democracy. Political deepfakes—the manipulation of video, audio or images of political figures using AI technology—are capable of creating highly convincing fake content that is difficult to distinguish from the original. This phenomenon threatens the foundations of democracy, which are built upon the truthfulness of information and public trust in the political process. This study aims to analyse legal policy in the context of countering political deepfakes using a normative-empirical legal research method. The findings indicate that the existing legal framework in Indonesia is insufficient to comprehensively address the threat of political deepfakes. Effective legal policy must be progressive, integrating aspects of technology regulation, the protection of human rights, and the strengthening of public digital literacy. This study recommends the establishment of specific regulations governing the use of AI technology in a political context through a multi-stakeholder approach.
EKSISTENSI REGULATORY SANDBOX OJK DALAM PENGEMBANGAN INOVASI FINTECH DI INDONESIA Imam Fathwa; Hasnah Aziz; Bayu Triwibowo; Tri Susanto; Ratu Chumairoh Noor
Berajah Journal Vol. 6 No. 3 (2026): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v6i3.535

Abstract

The development of financial technology (fintech) in Indonesia has resulted in significant transformation in the financial services ecosystem, but has simultaneously raised complex regulatory challenges because the speed of technological innovation outpaces the ability of existing legal frameworks to adapt. The Financial Services Authority responded to this challenge through the implementation of a regulatory sandbox as a regulatory mechanism that allows testing of fintech innovations in a controlled environment before full implementation. This article aims to analyze juridically the existence of the OJK regulatory sandbox in the development of fintech innovation in Indonesia. The research method used is qualitative with a normative-empirical legal approach. Data was collected through studies of legislation, OJK policies, regulatory sandbox testing reports, and scientific literature studies. The results show that the existence of the OJK regulatory sandbox has a strategic role in encouraging fintech innovation while maintaining financial system stability and consumer protection, but faces juridical challenges including weak legal foundations that are not explicitly regulated in law, ambiguity in OJK authority in implementing regulatory sandboxes, and limited consumer protection and dispute resolution mechanisms during the testing period. This article recommends the need to enrich the juridical foundation of regulatory sandboxes through revision of laws or government regulations, affirmation of proportional OJK authority, and development of comprehensive consumer protection mechanisms to create a fintech ecosystem that is innovative and fair.
ANALISIS HUKUM TERHADAP KEBIJAKAN PEMERINTAH DALAM PENGEMBANGAN FINTECH DI INDONESIA Imam Fathwa; Pandri Zulfikar; Bayu Triwibowo; Tri Susanto; Ratu Chumairoh Noor
Berajah Journal Vol. 6 No. 3 (2026): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v6i3.536

Abstract

The development of financial technology (fintech) in Indonesia has fundamentally transformed the paradigm of financial services, driving financial inclusion and digital economic growth. The Indonesian government, through the Financial Services Authority (OJK) and Bank Indonesia (BI), has formulated various policies to regulate and develop the fintech ecosystem. However, these policies face complex legal challenges, including the balance between innovation and financial system stability, consumer protection, and alignment with national interests. This study aims to analyze the legal framework of government policies in fintech development in Indonesia, identify regulatory gaps, and formulate improvement recommendations. The method used is normative legal research with statutory, conceptual, and comparative approaches. The results indicate that Law Number 4 of 2023 on the Development and Strengthening of the Financial Sector (P2SK Law) provides the main legal umbrella, but its implementation still faces challenges related to fragmented authority, regulatory imbalance between innovation and protection, and limited oversight of new business models such as decentralized finance (DeFi). This study recommends harmonization of regulations across agencies, strengthening of the regulatory sandbox, and establishment of a single fintech supervisory authority to enhance policy effectiveness
Co-Authors A Halim Abdul Halim Abdul Halim Achmad Chafidz Ahmed Tessario Ekanuramanta Aldiansar , Divifan Armyko Alfiansyah Aji Pratama Amin Retnoningsih Amrullah, Fauzan Anggun Septiamurti Annie Mufyda Rahmatika, Annie Mufyda Annie Myranika Asnafi, Agus Astrilia Damayanti Bahlawan, Zuhriyan Ash Shiddieqy Cahyani, Novia Noor Catur Rini Widyastuti, Catur Rini Chafidz, Achmad Dewi Artanti Putri Dewi Selvia Fardhyanti Dhoni Hartanto Dian Retno Widayati Dody Herdian Saputra Riyadi Dody Herdian Saputra Riyadi Dwi Prasojo Dyta Silvia Mayasari Fauzan Amrullah Fauzan Amrulloh Fauziah, Whilda Fidyawati, F Gicha Maria Rahayu Hadiyanti, Luthfia Nur Haniif Prasetiawan Harianingsih, Harianingsih Hasnah Aziz Heni Pujiastuti Hidayah, Uswatun Nur Imam Fathwa Kevin Thomas Kusuma, Andre Dianata Hogi Laraswati, Vivi Anggraeni Loveyanto, Rendy Okta Maharani Kusumaningrum Maksiola, Masni Mayasari, Dyta Silvia Megawati Megawati - Megawati Megawati Megawati Megawati Megawati Megawati Megawati Megawati Mezaki, Naufal Mudrik Miftahuddin Azhari Muhammad Fikri Al Ghifari Mustofa Kamil Mutaqin, Afrizal Mai Ngabiyanto - Nina Hartini Nina Hartini Nur Qudus Nurazizah, Nilasari Nurul Huda Nuryoto Nuryoto Pandri Zulfikar Paramita, Oktavianti Pradana, Daffa Zamiira Pradiza, Zefanya Pradnya, Irene Nindita Prakasita, Iffat Ganjar Fadhila Prasojo, Dwi Pratama, Alfiansyah Aji Prayoga, Ade Bintang Prima Astuti Handayani Puspita, Dessy Ratna Putri, Dwiana Asmara Putri, Raden Rara Dewi Artanti Radenrara Dewi Artanti Putri, Radenrara Dewi Artanti Rahardjo, Teguh Hardi Ratna Dewi Kusumaningtyas Ratu Chumairoh Noor Reshita Amalia Ramadhani Reshita Amalia Ramadhani Ria Wulansarie, Ria Rizki, Angela Dita Salwa, Dian Fatimatus Sandra Anggita Fadriana Sa’adah, Nur Septiamurti , Anggun Sinta Andriyani Siti Humulhaer Solichin Solichin Syarifatur Richana Syarifatur Richana Syifa Karimah Tri Susanto Trianita Satyawati Nabilah Wara Dyah Pita Rengga Zefanya Pradiza Zuhriyan Ash Siddieqy Bahlawa