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All Journal As-Salam: Jurnal Studi Hukum Islam & Pendidikan Jurnal Multidisiplin Dehasen (MUDE)
Pertiwi, Nyimas Lidya Putri
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REGULASI BISNIS PINJAMAN ONLINE: TINJAUAN TERHADAP PENGATURAN LEGAL DAN PERLINDUNGAN KONSUMEN SECARA SYARIAH Firmansyah, Firmansyah; Pertiwi, Nyimas Lidya Putri
AS-SALAM Vol 13 No 02 (2024): PENDIDIKAN DAN HUKUM: TANTANGAN, SOLUSI
Publisher : LPPM STAI DARUSSALAM LAMPUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51226/assalam.v13i02.726

Abstract

Abstract The phenomenon of the rise of online lending has created an urgent need to address the legal and ethical challenges associated with lending practices in the digital industry. In this review, the author proposes an approach that combines sharia principles with conventional law to provide a strong foundation for the regulation of online lending businesses. This study outlines the legal framework governing online lending businesses from a sharia perspective, taking into account key principles such as the prohibition of riba (usury) and fairness in financial transactions. An in-depth analysis of current conventional regulations was also carried out to identify legal weaknesses and loopholes that could be exploited by unethical online loan providers. In addition, this article discusses various consumer protection mechanisms that must be integrated into sharia online loan business regulations. These include stricter transparency requirements, assessment of applicant eligibility, and reasonable interest rate limitations in accordance with sharia principles. This approach aims to balance the interests of loan providers with the rights of consumers, as well as minimizing the risk of exploitation or abuse. By adopting this approach, it is hoped that sharia-compliant online loan business regulations can create a balanced and fair environment for all parties involved. Further research and consultation with sharia law experts and industry practitioners is necessary to ensure effective and successful implementation of this regulation. Keywords: Business Regulation, Online Loans, Sharia Law, Consumer Protection, Sharia Principles. Abstrak Fenomena maraknya pinjaman online telah menimbulkan kebutuhan mendesak untuk mengatasi tantangan hukum dan etika yang terkait dengan praktik pinjaman dalam industri digital. Dalam tinjauan ini, penulis mengusulkan pendekatan yang memadukan prinsip-prinsip syariah dengan hukum konvensional untuk memberikan landasan yang kuat bagi regulasi bisnis pinjaman online. Studi ini menguraikan kerangka hukum yang mengatur bisnis pinjaman online dari perspektif syariah, dengan mempertimbangkan prinsip-prinsip utama seperti larangan riba (riba) dan keadilan dalam transaksi keuangan. Analisis mendalam terhadap regulasi konvensional saat ini juga dilakukan untuk mengidentifikasi kelemahan dan celah hukum yang dapat dieksploitasi oleh penyedia pinjaman online yang tidak etis. Selain itu, artikel ini membahas berbagai mekanisme perlindungan konsumen yang harus diintegrasikan dalam regulasi bisnis pinjaman online secara syariah. Ini termasuk persyaratan transparansi yang lebih ketat, penilaian kelayakan pemohon, dan pembatasan suku bunga yang wajar sesuai dengan prinsip-prinsip syariah. Pendekatan ini bertujuan untuk mengimbangi kepentingan penyedia pinjaman dengan hak-hak konsumen, serta meminimalkan risiko eksploitasi atau penyalahgunaan. Dengan mengadopsi pendekatan ini, diharapkan bahwa regulasi bisnis pinjaman online secara syariah dapat menciptakan lingkungan yang seimbang dan adil bagi semua pihak yang terlibat. Penelitian lebih lanjut dan konsultasi dengan para ahli hukum syariah serta praktisi industri perlu dilakukan untuk memastikan implementasi yang efektif dan berhasil dari regulasi ini.
Menilik Peran Pengawasan Ketersediaan Bahan Pangan Pokok Di Kota Metro Perspektif Asas Food Security Nandya, Putri Deva; Pertiwi, Nyimas Lidya Putri; Ningsih, Rahmah
Jurnal Multidisiplin Dehasen (MUDE) Vol 4 No 4 (2025): Oktober
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/mude.v4i4.9058

Abstract

This study examines the supervision of food availability in Metro City based on the principles of food security and good governance. Food availability comprising national reserves, domestic production, and imports when necessary is a key pillar of food security. Employing a descriptive qualitative approach, data were gathered through semi-structured interviews, documentation, field observation, and literature review. Informants included food distributors, vendors, and local government officials. The findings reveal that weak accountability, lack of transparency and public participation, as well as poor coordination and infrastructure, hinder effective supervision. The principle of good governance is seen as essential for ensuring fairness and responsiveness in food management, while food security emphasizes availability, accessibility, utilization, and supply stability. Recommended strategies include regulatory reform, human resource capacity development, institutional coordination improvement, and community involvement in participatory monitoring, to build a resilient and inclusive local food system.
Co-Authors Firmansyah Firmansyah Nandya, Putri Deva Rahmah Ningsih, Rahmah