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All Journal Al Fiddhoh: Journal of Banking, Insurance, and Finance Bacarita Law Journal
Avissa, Avrilia Aurelia
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Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Efektivitas Penegakan Hukum Tindak Pidana Judi Online di Kalangan Mahasiswa Khalimy, Akhmad; Avissa, Avrilia Aurelia; Apriyanti, Afia; Triastuti, Rini
Bacarita Law Journal Vol 5 No 2 (2025): April (2025) BACARITA Law Journal
Publisher : Programs Study Outside the Main Campus in Law Pattimura University ARU Islands Regency

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/bacarita.v5i2.16949

Abstract

Online gambling has become a global phenomenon, especially because of its easy access so that it can be reached by various groups, including students. The purpose of this study was to determine the factors that cause students to use online gambling and the obstacles to enforcing online gambling among students. This study uses a descriptive qualitative research type with a sociological legal approach. The results of the study indicate that several factors that encourage students to play online gambling are basically related to economic factors, perceptions of winning opportunities, boredom, friendships, and venting. The variety of these factors shows that many students are caught in online gambling. The biggest obstacle in enforcing the law on online gambling crimes comes from the awareness of the students themselves. Among them, some feel safe playing online gambling because of anonymity, minimal law enforcement, and some are even aware of the criminal risks but still play. Therefore, the relevant parties are deemed necessary to make several preventive efforts aimed at preventing the occurrence of gambling crimes. Strengthening legal regulations, especially by expanding the scope of online gambling crimes, will ensure that all parties involved in online gambling can be subject to appropriate sanctions. Active and targeted socialization will increase students' awareness of the dangers and consequences of online gambling, while financial literacy programs will help students to be wiser in managing their finances and avoid the risk of falling into gambling. With the combination of these three efforts, it is hoped that an environment free from the negative influence of online gambling will be created for students.
ANALISIS EKSISTENSI PRODUK INVESTASI SYARIAH DALAM PLATFORM FINTECH DI INDONESIA Avissa, Avrilia Aurelia; Hafizd, Jefik Zulfikar; Alam, Wahyu Bahrul; Jaelani, Ammar Ibnu; Wadud, Abdul Muiz Abdul
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 6 No. 2 (2025): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v6i2.5162

Abstract

ABSTRACT Financial technology (fintech) has revolutionized the financial sector as a whole. This technological innovation allows people to access financial services more easily and quickly, one of which is through sharia-based digital investment. This study aims to determine sharia investment products in the fintech platform, the legal basis for technology-based sharia investment (fintech), and the opportunities and challenges of technology-based sharia investment products (fintech) in Indonesia. The method used in this study is a descriptive method by applying a qualitative approach. The results of this study show that sharia investment products available on digital platforms include several financial instruments such as sharia stocks available on the Ajaib platform, sharia mutual funds available on the Bareksa platform, and sukuk (sharia bonds) available on the Investree platform. In running its operational system, the legal basis used in technology-based sharia investment products is POJK Number 77 of 2016 concerning Information Technology-Based Money Lending Services, PBI Number 19 of 2017 concerning Financial Technology Providers, and DSN-MUI fatwa Number 117/DSN-MUI/II/2018 concerning Information Technology-Based Financing Services based on Sharia Principles. As a new innovation, technology-based sharia investment products have several opportunities and challenges in their implementation. These opportunities include wide accessibility, operational cost efficiency, and conditions where the majority of Indonesia's population is Muslim. The challenges faced are the absence of clear and comprehensive regulations, public knowledge about sharia transaction contracts and sharia fintech operational mechanisms that are still minimal, and limited internet access and digital infrastructure.
Co-Authors Alam, Wahyu Bahrul Apriyanti, Afia Hafizd, Jefik Zulfikar Jaelani, Ammar Ibnu Khalimy, Akhmad Rini Triastuti, Rini Wadud, Abdul Muiz Abdul