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All Journal REUSAM ; Jurnal Ilmu Hukum Cendekia: Journal of Law, Social and Humanities
Elidar Sari
Fakultas Hukum, Universitas Malikussaleh
Religion Humanities Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Regulatory Framework For Sharia Fintech In Indonesia Post-Development And Strengthening Of The Financial Sector: Sharia Compliance, Sharia Supervisory Board, Consumer Protection, Risk Management, And Dispute Resolution Arif Rahman; Elidar Sari; malahayati Rahman; Marlia Sastro; Muammar Muammar
Jurnal Ilmu Hukum Reusam Vol 14 No 1 (2026): REUSAM: Jurnal Ilmu Hukum - Mei 2026
Publisher : LPPM Universitas Malikussaleh

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Abstract

The development of technology-based funding services has transformed legal relationships in the financial services sector and increased the need for legal certainty, governance, risk management, and consumer protection. In the Islamic finance context, the complexity is heightened because providers must comply not only with positive law but also with Sharia principles. This study examines the adequacy of Indonesia's regulatory framework for Sharia fintech following Law Number 4 of 2023 on Financial Sector Development and Strengthening as amended by Law Number 4 of 2026, Financial Services Authority Regulation Number 40 of 2024 on Information Technology-Based Joint Funding Services, Financial Services Authority Regulation Number 22 of 2023 on Consumer and Public Protection in the Financial Services Sector, and Financial Services Authority Circular Letter Number 19/SEOJK.06/2025. This normative legal research employs statutory, conceptual, and comparative approaches. The study finds that the legal problem is no longer appropriately framed as the absence of regulation, but as the integration of positive law, Sharia standards, Sharia supervisory governance, risk management, consumer protection, dispute resolution, and enforcement. POJK 40/2024 strengthens the LPBBTI framework, including provisions on Sharia business units, Sharia Supervisory Boards, governance, and risk mitigation. SEOJK 19/2025 further operationalizes Sharia compliance through references to fatwas and/or Sharia Supervisory Board opinions and periodic evaluation. Nevertheless, the functional relationship between fatwas, DPS, Sharia risk management, consumer protection, and enforcement still require strengthening. This study proposes a Sharia compliance chain as a model for strengthening regulatory governance of Sharia fintech in Indonesia.
Penerapan Undang-Undang Nomor 22 Tahun 2021 Tentang Minyak dan Gas Bumi Terhadap Pelaku Penambang Minyak Ilegal di Wilayah Hukum Kabupaten Aceh Timur Safwadinur Safwadinur; Elidar Sari
Cendekia : Jurnal Hukum, Sosial dan Humaniora Vol. 1 No. 2 (2023): Cendekia : Jurnal Hukum, Sosial dan Humaniora
Publisher : Lembaga Pusat Studi Sosial dan Humaniora [LPS2H]

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (801.756 KB) | DOI: 10.70193/cendekia.v1i2.16

Abstract

Penambangan minyak secara illegal di Kabupaten Aceh Timur yang mengakibatkan terjadinya ledakan dan kebakaran hingga adanya korban jiwa. Kegiatan penambangan minyak secara illegal ini melanggar Pasal 52 Undang-undang Nomor 22 Tahun 2001 tentang Minyak dan Gas Bumi mengenai Eksplorasi atau Eksploitasi tanpa mempunyai Kontrak Kerja Sama. Penegakan hukum terhadap kegiatan penambangan minyak illegal di wilayah hukum Kabupaten Aceh Timur tersebut belum berjalan efektif. hal ini disebabkan kurangnya kesadaran hukum masyarakat, faktor penegakan hukum, dan faktor peran pemerintah. Upaya aparat penegak hukum untuk menanggulangi kegiatan penambangan minyak illegal di wilayah hukum Kabupaten Aceh Timur adalah seperti meningkatkan pembinaan, mendorong pemerintah daerah, memberikan sosialisasi terhadap masyarakat, mengubah pola pikir, menggunakan pendekatan sosial, melakukan penertiban, melakukan penegakan hukum, dan membuat regulasi berupa rancangan Qanun Tahun 2022 tentang Pertambangan Minyak dan Gas Bumi di Aceh.
Co-Authors Arif Rahman malahayati Rahman Marlia Sastro Muammar Muammar Safwadinur Safwadinur