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All Journal Pena Justisia: Media Komunikasi dan Kajian Hukum INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Muhammad Naufal Arifiyanto
Universitas PGRI Jombang, Indonesia
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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REGULATION AND SUPERVISION OF ISLAMIC BANKING IN INDONESIA: AN IN-DEPTH EXAMINATION OF RECENT DEVELOPMENTS ANDCONTEMPORARY TRENDS Shohib Muslim; Gunawan Widjaja; Farika Nikmah; Muhammad Naufal Arifiyanto; Mohammad Ahmad Bani Amer
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 1 No. 8 (2025): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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Abstract

This paper conducts an in-depth examination of the regulation and supervision of Islamic banking in Indonesia, focusing on recent developments and contemporary trends. The regulatory framework governing Islamic banking has evolved significantly in response to the dynamic financial landscape and the growing prominence of Sharia-compliant finance. The study explores the historical development of regulations, vital legal provisions, and the role of regulatory authorities in overseeing Islamic banking activities. A comparative analysis with conventional banking regulations provides insights into the distinctive features and challenges the Islamic banking sector faces. The discussion delves into the effectiveness of existing regulations in addressing challenges, ensuring compliance, and facilitating enforcement. Furthermore, the study investigates evolving trends, including recent developments within the Indonesian Islamic banking sector and global perspectives on Islamic banking regulation. The implications for future research and practical recommendations are also discussed, contributing to the ongoing dialogue on strengthening the regulatory environment for Islamic banking in Indonesia.
Legal Protection for Micro, Small, and Medium Enterprises Against the Unilateral Authority of Digital Platforms in Realizing Legal Certainty Anto Kustanto; Hetiyasari; Ainul Masruroh; Muhammad Naufal Arifiyanto
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 2 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i2.8157

Abstract

This research aims to analyze the issues of legal protection for Micro, Small, and Medium Enterprises (MSMEs) from the perspective of positive Indonesian law and to formulate a reconstruction of a legal harmonization model that can achieve legal certainty in the digital trade ecosystem. The research uses a normative legal method with a legislative approach and a conceptual approach thru analysis of the legal regime for MSMEs, Electronic System Trade (PMSE), contract law, consumer protection law, and business competition law. The research results indicate that legal protection for MSMEs is not yet effective due to the fragmentation of regulations, which results in a normative vacuum regarding the limits of authority of digital platforms as gatekeepers, algorithm transparency, accountability for digital decisions, protection against unbalanced standard clauses, and guaranties of procedural rights for MSMEs. This research offers a novelty in the form of a legal harmonization model reconstruction thru the integration of MSME law, electronic commerce law, contract law, and competition law into a coherent regulatory framework. The model is built on six fundamental principles: protection of MSMEs, freedom to operate, healthy business competition, legal certainty, algorithm transparency, and platform accountability, which are implemented thru a ban on unilateral account suspension, prior notice obligation, recognition of the right to be heard, independent internal review mechanisms, independent dispute resolution, and transparency in changes to terms and conditions and algorithms. This harmonization model is expected to strengthen legal certainty, achieve contractual justice, and create a more accountable and fair digital platform governance for MSMEs.
Co-Authors Ainul Masruroh Anto Kustanto Farika Nikmah Gunawan Widjaja Hetiyasari Mohammad Ahmad Bani Amer Shohib MUSLIM