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All Journal Journal of Innovative and Creativity
Suhud, Mujab Fahmi
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Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Regulasi Pinjaman Online Perspektif Hukum Ekonomi Islam di Indonesia Suhud, Mujab Fahmi; Adawiyah, Endah Robiatul
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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Abstract

Perkembangan pesat pinjaman online (fintech) di Indonesia memberikan kemudahan akses keuangan bagi masyarakat, namun juga menimbulkan berbagai permasalahan seperti tingginya bunga, praktik riba, serta maraknya pinjaman ilegal yang merugikan konsumen. Penelitian ini bertujuan menganalisis regulasi pinjaman online di Indonesia dari perspektif hukum ekonomi Islam serta menelaah efektivitas regulasi terbaru yang diterbitkan Otoritas Jasa Keuangan (OJK) dalam melindungi konsumen. Metode yang digunakan adalah studi pustaka dengan pendekatan kualitatif, menggunakan sumber primer berupa Al-Qur'an, Hadis, dan literatur fikih muamalah, serta sumber sekunder seperti peraturan-undangan, fatwa DSN-MUI, dan jurnal ilmiah terkait. Hasil penelitian menunjukkan bahwa regulasi terbaru OJK, seperti penurunan suku bunga, transaksi denda, serta pengaturan tata cara penagihan, merupakan langkah nyata dalam perlindungan konsumen. Namun dari sudut pandang ekonomi Islam, masih diperlukan harmonisasi regulasi agar sejalan dengan prinsip syariah, khususnya terkait larangan riba, keadilan, dan perlindungan harta. Penelitian ini merekomendasikan penguatan edukasi literasi keuangan syariah dan kolaborasi antara pemerintah, OJK, dan lembaga keuangan syariah untuk menciptakan ekosistem pinjaman online yang adil, sehat, dan berkelanjutan sesuai nilai-nilai Islam.
Digitalisasi UMKM sebagai Penyuluhan Pembangunan Ekonomi Berkelanjutan di Desa Wanasari Suhud, Mujab Fahmi; Pujiawati, Tiwi Sri; Priana, Indra; Sulaeman, Dede
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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Abstract

The development of digital technology has had a major impact on the economic sector, especially on Micro, Small, and Medium Enterprises (MSMEs) which are the backbone of the local economy in Indonesia. The digitalization of MSMEs allows for increased operational efficiency, market expansion, and higher competitiveness. The Covid-19 pandemic has accelerated the transformation of digital MSMEs as a strategy for economic adaptation and recovery. However, obstacles such as low digital literacy and limited human resources are still the main challenges. The community service program in the form of a seminar "Digital Smart MSMEs, Economically Developed Villages Grow" in Wanasari Village using the Participatory Action Research (PAR) method aims to improve the understanding and digital capabilities of the local community. The results show a significant increase in the use of social media, e-commerce, business management tools, and digital marketing strategies by MSME actors. Digitization of MSMEs plays an important role in improving the welfare of the village economy by creating new jobs, expanding access to national and international markets, and strengthening food security through collaboration between sectors. Thus, digitalization is not just a technological advancement, but an instrument of inclusive and sustainable economic development strategies in this modern era.
Co-Authors Adawiyah, Endah Robiatul Dede Sulaeman, Dede Priana, Indra Pujiawati, Tiwi Sri