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All Journal Socius: Social Sciences Research Journal Media Hukum Indonesia (MHI)
Nugraha, Naufal Satria
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Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice

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Kredit Pemilikan Rumah di Bank Konvensional Dan Bank Syariah Dalam Perbandingan Mekanisme Risiko Dan Keuntungan Bagi Nasabah Nugraha, Naufal Satria; B, Baidhowi
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 11 (2025): June, 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15550780

Abstract

Home Ownership Credit (KPR) is one of the financing instruments offered by banks to help people own a home. In Indonesia, Home Ownership Credit (KPR) consists of conventional KPR with an interest system and sharia KPR based on contracts such as murabahah, musyarakah mutanaqisah (MMQ), and ijarah muntahia bittamlik (IMBT). This study uses a literature study method to compare the mechanisms, risks and benefits of the two KPR schemes. The results of the study show that conventional KPR is more flexible but susceptible to interest rate fluctuations, while sharia KPR is more transparent with price certainty but has a higher initial cost. The selection of a KPR scheme should be adjusted to the customer’s financial needs and preferences. 
Peran Otoritas Jasa Keuangan (OJK) Dalam Pengawasan Bank Digital Untuk Mencegah Praktik Investasi Ilegal Nugraha, Naufal Satria; Alfarizky, Hertasandho Maynaka; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 2 (2025): June
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

The rapid development of digital technology has driven the transformation of the financial services sector, including the emergence of digital banks. Digital banks offer convenience and efficiency but also open up opportunities for illegal investment practices that often misuse the name or platform of digital banking services. This study aims to analyze the role and effectiveness of the Financial Services Authority (OJK) in preventing illegal investment practices through digital banks. This research uses a library research method by examining literature, regulations, official reports, and case studies of illegal investments in Indonesia. The results show that OJK has implemented various supervisory measures, both through regulation and by establishing the Investment Alert Task Force (SWI). However, the effectiveness of supervision still faces challenges such as limited human resources, increasingly complex digital crime methods, and the need for more adaptive regulations. Therefore, strengthening inter-institutional synergy, improving public digital literacy, and reforming supervisory policies are crucial to ensure that the development of digital banks aligns with consumer protection and the prevention of illegal investment practices.
Pendampingan Hukum Oleh Paralegal Sebagai Upaya Peningkatan Akses Keadilan Nugraha, Naufal Satria; Firmansyah, Amelinda Safira; Wijayanti, Zulfa Rena; Wildan, Muhammad; Ramadan, Daud Renata Candra
Media Hukum Indonesia (MHI) Vol 3, No 1 (2025): March
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15272815

Abstract

This study examines the strategic role of paralegals and legal teams in providing legal assistance to the poor as a manifestation of the principles of the rule of law and social justice. Through a consultative, educational, and mediative approach, paralegals seek to bridge the gap between marginalized communities and the formal legal system. Despite their significant contribution, the legal position of paralegals still faces challenges, especially after the Supreme Court Decision Number 22P/HUM/2018 which limits their authority to non-litigation legal assistance. This limitation creates legal uncertainty and hinders the effectiveness of the assistance provided. This study emphasizes the need for more comprehensive regulations to clarify and strengthen the position of paralegals, including legal protection in carrying out their duties. In addition, increasing capacity through ongoing training and collaboration between the government, legal aid organizations, and legal education institutions is crucial to realizing equal access to justice for all levels of society. Thus, paralegals can carry out their roles effectively and professionally in the Indonesian legal system.
Co-Authors Alfarizky, Hertasandho Maynaka B, Baidhowi Firmansyah, Amelinda Safira Muhammad Wildan Ramadan, Daud Renata Candra Wijayanti, Zulfa Rena