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All Journal Media Hukum Indonesia (MHI)
Fitriani, Sheila Aida
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Law, Crime, Criminology & Criminal Justice

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Analisis Perlindungan Data Pribadi Nasabah Perbankan Terhadap Penggunaan Layanan Mobile Banking Fitriani, Sheila Aida; Sasra, Adelia Dara; Raharjo, Mohammad Harjuno Asmoro
Media Hukum Indonesia (MHI) Vol 2, No 4 (2024): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14192101

Abstract

The Security Of Mobile Banking Is A Concern For Bank Customers Who Use It, Even Though It Can Make Transactions Easier. To Protect Customers From Data Theft, Hacking And Exploitation For Illegal Purposes, Protecting Consumer Data Is Essential. The Author Wants To Investigate How Banking Customers' Personal Information Is Protected When Using Mobile Banking Services, Which Includes Banking Procedures In Protecting Customers' Personal Data Against Mobile Banking Use And The Implementation Of Regulations In Protecting Customers' Personal Data Against Mobile Banking Use In Indonesia. The Personal Data Protection (PDP) Law, Which Provides A Comprehensive Set Of Guidelines For The Processing Of Personal Data In All Sectors, Including Banking. This Research Aims To Examine Laws And Regulations In Indonesia Relating To The Protection Of Personal Information. In This Research, We Used A Normative Study Method Combined With A Conceptual Approach. By Using This Method, Researchers Can Find Out That Collaboration Between The Government, Regulators, Banks And The Community Is The Key To Creating A Safe And Trustworthy Mobile Banking Ecosystem. The Government And Regulators, Such As The Financial Services Authority (OJK) And Bank Indonesia (BI), Need To Continue To Update Regulations To Keep Pace With Technological Developments And Increasingly Complex Cyber Threats.
Analisis Unsur Riba Dalam Sistem Pembayaran Paylater Berdasarkan Perspektif Hukum Ekonomi Syariah Fitriani, Sheila Aida; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

This study examines the existence of usury elements in the PayLater payment system from the perspective of Islamic economic law. PayLater services are increasingly in demand in various marketplaces because they provide convenience in transactions with an installment system without the need for a credit card. This payment method allows users to buy goods or services in advance and pay for them later with an installment scheme. However, in Islamic teachings, this system needs to be further analyzed because it has the potential to contain usury, which is prohibited in Islamic law. This study aims to evaluate whether PayLater contains usury elements and assess its compliance with the principles of the qardh contract in Islam. Using normative legal methods and a qualitative approach based on literature studies, this study examines related literature, fatwas, and regulations. The results of the study show that in practice, PayLater charges interest, late fees, and additional fees, which are categorized as jahiliyah usury. This is contrary to the principles of the qardh contract, which requires loans to be returned according to the principal amount without additional payments. Therefore, the PayLater system needs to be evaluated and adjusted so that it continues to provide convenience without violating the principles of Islamic economic law.
Co-Authors B, Baidhowi Raharjo, Mohammad Harjuno Asmoro Sasra, Adelia Dara