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All Journal Religious: Jurnal Studi Agama-Agama dan Lintas Budaya Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Roma Wijaya
Ankara Universitesi
Religion

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Problems of Peer-to-Peer Lending (P2PL) in Indonesia from an Islamic Law Perspective Ermanita Permatasari; Siti Fatimah; Nuri Safitri; Roma Wijaya
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 11, No 1 (2024): April
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v11i1.3440

Abstract

In today's digital era, online platforms have revolutionised access to essential services, including financial transactions such as borrowing money. This research investigates the proliferation of online lending services, which provide easy access to funds with minimal prerequisites, thus facilitating widespread participation. However, the exponential growth of online loans also amplifies associated risks for all stakeholders involved. This study employs an empirical-juridical approach to examine the implementation of online lending and borrowing services, evaluating both their benefits and drawbacks. The research utilises data from Financial Services Authority Regulation Number 77/POJK.01/2016, focusing on its impact on consumer protection within the online lending sector. By analysing regulatory frameworks and empirical data, this study aims to enhance public awareness regarding the legal provisions and risks associated with online financial transactions. The findings underscore the necessity of informed decision-making among borrowers and lenders alike, promoting a balanced approach to financial inclusivity and risk management in the digital economy. Ultimately, this research contributes valuable insights into the evolving landscape of online lending practices and their implications for regulatory policy and consumer protection in Indonesia
Underrepresentation of Sacred Text Studies in Students’ Theses: Evidence from a Religious Studies Program in Indonesia Khairullah Zikri; Saniatul Hidayah; Raya Moniqa Atilla; Roma Wijaya
Religious: Jurnal Studi Agama-Agama dan Lintas Budaya Vol. 10 No. 1 (2026)
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/rjsalb.v10i1.46603

Abstract

This study examines the position and representation of sacred text studies in undergraduate and graduate theses within the Religious Studies Program at Sunan Kalijaga State Islamic University, Indonesia, and explores the factors associated with their relatively limited presence. The study is important in light of the growing prominence of empirical and interdisciplinary approaches in Religious Studies, which may influence students’ research orientations and the balance between textual and contextual inquiry. This research employs a qualitative approach with descriptive survey elements. Data were collected through document analysis of 100 thesis titles produced between 2020 and 2024, a checklist-based questionnaire administered to 30 respondents, and in-depth interviews with five lecturers and three students. The data were analyzed interpretatively to identify thematic patterns, associated factors, and students’ perceived academic support needs. The findings show that sacred text studies appear in only seven titles, or 7% of the total theses analyzed, while most student research is oriented toward sociological, cultural, interreligious, and other contextual approaches. Their limited representation is associated with structural constraints, methodological challenges, and students’ preferences for topics perceived as more practical and manageable. The study implies that strengthening textual methodology training, improving access to primary sources, and enhancing expert supervision may help create a more balanced academic environment. The originality of this study lies in its micro-academic focus on student thesis practices, offering an empirical account of how disciplinary orientations are shaped within a specific Religious Studies program.
Co-Authors Ermanita Permatasari Khairullah Zikri Nuri Safitri Raya Moniqa Atilla Saniatul Hidayah Siti Fatimah