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

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Investasi Emas di Pegadaian Syariah Berdasarkan Persepektif Hukum Ekonomi Syariah Aini, Ailia Nur; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15592393

Abstract

Gold investment is one form of investment that is in demand society because of the stability of its value and its nature as a protected asset mark. From the perspective of sharia economic law, investing in gold is a must fulfill Islamic principles, such as avoiding usury, gharar, and maysir. Sharia Pegadaian offers gold investment services in accordance with sharia through Murabahah and Ijarah schemes Muntahiyah Bittamlik, which provides certainty of ownership without elements of exploitation. This study aims to analyze gold investment mechanism at Sharia Pegadaian and its suitability with sharia economic law. With qualitative descriptive methods,This research reveals that gold investment in Pegadaian Sharia has a more inclusive, transparent and safe system compared to conventional investments. However, challenges such as fluctuations in gold prices remain a necessary factor noticed by investors. Therefore, understanding that in depth regarding sharia economic principles and investment strategies. The right approach is the key to success in sharia gold investment.
Strategi Pengawasan OJK terhadap Layanan Perbankan Digital dalam Menjamin Kepatuhan Hukum dan Perlindungan Konsumen Syafri, Muhammad Irvan; Abdurrahman, Harits; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

The rapid development of information technology has significantly transformed the banking sector, particularly through the digitalization of financial services. The Financial Services Authority (OJK) plays a crucial role in regulating and supervising this sector to ensure the stability of the financial system and consumer protection. While digitalization offers efficiency and broader access, new challenges arise, such as data security risks, technology misuse, and the presence of unregistered digital financial institutions. In this context, OJK functions not only as a regulator but also as a facilitator for safe and sustainable innovation. Through a risk-based approach and the development of a regulatory sandbox, OJK strives to create an inclusive and secure financial ecosystem. This study employs a normative legal method to analyze regulations and best practices in supervising digital financial services in Indonesia. 
Konsep dan Implementasi Sukuk sebagai Alternatif Obligasi Syariah Margaretha, Rotua; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15576055

Abstract

Sukuk is an Islamic financial instrument that serves as an alternative to conventional bonds. Unlike bonds, which are based on debt and interest (riba), sukuk is based on asset ownership and profit-sharing in accordance with Sharia principles. This study aims to analyze the concept of sukuk, compare it with conventional bonds, and evaluate its implementation in Indonesia and globally. The research method used is qualitative with a descriptive-analytical approach based on secondary data from journals, regulations, and Islamic capital market reports. The findings indicate that sukuk has significant potential in supporting the development of the Islamic economy, particularly with the growing demand for halal investments. However, challenges such as low public literacy, the need for stronger regulations, and competition with conventional bonds remain obstacles to sukuk’s growth. With government support and innovation in the Islamic finance sector, sukuk can become a more competitive and attractive investment instrument for investors.
Urgensi Penguatan Pengawasan Terhadap Kolaborasi antara Bank Dengan Fintech Lending Dalam Sistem Hukum Perbankan di Indonesia Aini, Ailia Nur; Putri, Amelia Juliana; Adhnin, Ghariza Ardhia; Girsang, Rachel; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

Collaboration between banking and fintech lending or online loans is a development that continues to emerge in the Indonesian financial system. On the one hand, this collaboration offers inclusive and efficient financial service innovations, but on the other hand it raises potential legal, operational, and consumer protection risks that have not been fully anticipated by the existing supervisory framework. This article examines the urgency of strengthening legal supervision of this collaboration, with an emphasis on regulatory gaps, overlapping supervisory authorities, and challenges in ensuring compliance with the principles of prudence and transparency. This study uses a normative legal approach with an analysis of laws and regulations, financial institution decisions, and case studies of bank-fintech collaboration. The results of the study indicate that strengthening supervision is needed through regulatory harmonization between the OJK and Bank Indonesia, affirmation of integrated supervisory mechanisms, and updates to digital risk-based policies. With this strengthening, the Indonesian banking legal system is expected to be able to accommodate the development of financial technology adaptively while protecting the stability of the financial system and consumer interests.
Pengaruh Penggunaan Paylater terhadap Kesejahteraan Finansial Konsumen dalam Perspektif Hukum Ekonomi Syariah Sativa, Adisty; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

The Paylater service has emerged as a significant innovation in the digital financial system in Indonesia, providing consumers with easy access to meet their daily needs. However, the rapid growth of this service raises challenges related to Islamic principles such as the avoidance of riba, gharar, and maysir. This study aims to explore how Islamic economic law can regulate Paylater services to remain compliant with sharia principles. By analyzing existing regulations, including DSN-MUI fatwas and OJK regulations, as well as the importance of transparency in contracts and financial literacy education for consumers, this study finds that the implementation of strict sharia-based regulations and increased consumer awareness can create an ethical and sustainable financial ecosystem. The findings of this research are expected to provide recommendations for service providers and relevant authorities in developing financial products that align with Islamic values.
Co-Authors Abdurrahman, Harits Adhnin, Ghariza Ardhia Aini, Ailia Nur Alfarizky, Hertasandho Maynaka Amilia, Putri Villa Aprilia, Salsabila Nisa Fauziah, Rachmah Fitrada, Azzahra Hifz Aldin Fitriani, Sheila Aida Girsang, Rachel Isnugraheny, Rizqika Farah Margaretha, Rotua Megawati, Zahra Ekasiwi Muflikh, Alna Aulin Miftakhul Novita, Yustina Dhian Nugraha, Naufal Satria Nur Hidayah Purba S, Yevanya Sagita Putri, Amelia Juliana Rosita, Dita Puspa Safira, Sofia Nur Is Sasra, Adelia Dara Sativa, Adisty Silalahi, Bob Ben Salomoan Siti Susilawati, Siti Syafri, Muhammad Irvan Tiurma P, Maria Eleos Togatorop, Agracecia Ebena Ulima, Ajeng Yoesvizar, Salsabila Amalia Putri