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All Journal JURNAL USM LAW REVIEW Jurnal Kajian Hukum dan Sosial
Norhasliza Ghapa
Faculty of Law and International Relations, Universiti Sultan Zainal Abidin
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Artificial Intelligence in Indonesia’s Financial Sector: Regulatory and Islamic Law Perspectives Sholahuddin Al-Fatih; Putri Shafarina Thahir; Nafik Muthohirin; Norhasliza Ghapa
Justicia Islamica Vol 22 No 2 (2025)
Publisher : Faculty of Sharia UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/justicia.v22i2.10479

Abstract

The Indonesian financial sector still faces fundamental challenges in the form of low investor participation, technological limitations, cyber risks, and regulatory uncertainty that affect banking and Islamic finance. This study positions Artificial Intelligence (AI) as a transformational solution to improve efficiency, mitigate risk, and protect consumers. The method employed is prescriptive legal research on regulations, including the Electronic Information and Transactions Law, the Personal Data Protection Law, and OJK Guidelines, which are analysed within the framework of Islamic law and legal effectiveness theory. The findings indicate that the application of AI has the potential to enhance risk assessment, fraud detection, portfolio optimisation, and market forecasting when supported by a robust legal framework. This study confirms that compliance with maqāṣid al-shariah, particularly ḥifẓ al-māl, justice, and amanah, will ensure that AI is used ethically to achieve transparency and data protection. Therefore, it is necessary to formulate an AI bill, strengthen the role of the OJK, and prepare a special fatwa from Islamic authorities to ensure the responsible implementation of AI in Indonesia's financial sector.
A Comparative Study Between Indonesia and Malaysia on the Role of Notaries and Advocates Satrio Abdillah; Norhasliza Ghapa; Maheran Makhtar
JURNAL USM LAW REVIEW Vol. 6 No. 3 (2023): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v6i3.7853

Abstract

This research aims to compare the roles of notaries and advocates in Indonesia and Malaysia. The urgency of this research is to provide better insight into the topic. The novelty of this research lies in the comparative approach offered in this analysis in the legal context of Indonesia and Malaysia. This research uses a qualitative approach with data sources in documentation and observation. The analysis tool chosen is Nvivo 12 Plus. The findings of this study succeeded in identifying striking similarities and differences in the roles of these two professions. The main similarity in the role of notaries in Indonesia and Malaysia is the function of legalizing and enforcing the validity of legal documents. Notaries in both countries certify documents and ensure compliance with applicable laws. However, the most significant difference lies in the two countries' scope of duties, legal authority, and notary education systems. The main similarities in the role of advocates in Indonesia and Malaysia include legal representation, providing legal advice, and filing legal documents. However, the main differences relate to the scope of the case, legal system, educational requirements, legal language, and legal culture. This shows differences in the two countries' legal contexts and legal demands. Thus, the roles of notaries and advocates in Indonesia and Malaysia have basic similarities in legalizing documents and legal representation but significant differences in the scope of duties, legal authority, education system, and legal and cultural context.
Co-Authors Maheran Makhtar Nafik Muthohirin Putri Shafarina Thahir Satrio Abdillah Sholahuddin Al-Fatih