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All Journal Journal Of Law Sciences (Legisci)
Nova Monaya
Universitas Djuanda, Bogor
Law, Crime, Criminology & Criminal Justice

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The Influence of Financial Technology on the Reformulation of Bank Customer Protection Regulations. Andri Brawijaya; Henny Nuraeny; Nova Monaya
Jurnal Legisci Vol 3 No 3 (2025): Vol 3 No 3 December 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v3i3.974

Abstract

Background. The rapid evolution of financial technology has shifted banking activities toward fully digital environments, creating new opportunities for efficiency while simultaneously exposing customers to broader and more complex risks. Traditional regulatory frameworks, originally designed for conventional banking, often struggle to address issues arising from digital transactions, data processing, and emerging online service models. This situation has prompted regulators and financial institutions to reconsider existing norms to ensure stronger and more adaptive customer protection. Aim. This study aims to examine how technological developments influence regulatory reform in order to strengthen the protection of bank customers. Methods. A qualitative approach is applied through systematic analysis of regulatory developments, institutional policies, and emerging patterns of consumer risk in digital banking. Results. The study finds that technological growth drives regulators to refine customer protection rules, especially in areas related to customer rights, digital accountability, and data security. Banks also adopt updated internal policies to meet evolving regulatory expectations. Conclusions. Financial technology plays a significant role in encouraging regulatory reform, pushing authorities toward more adaptive and forward-looking frameworks. Implication. Continuous regulatory development is essential to ensure that customer protection remains effective as digital financial services continue to advance. Keywords: Financial technology; customer protection; banking regulation; digital banking; regulatory reform.
Regulatory Model of Cash Waqf within the National Legal System and Its Challenges Nova Monaya; Andri Brawijaya
Jurnal Legisci Vol 3 No 2 (2025): Vol 3 No 2 October 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v3i2.975

Abstract

Background. Cash waqf has emerged as an important instrument for social and economic development, yet its regulatory framework within the national legal system remains fragmented and inconsistently applied. Aim. This study aims to analyze the structure, effectiveness, and gaps of the current regulatory model governing cash waqf while identifying the challenges faced by key stakeholders. Methods. A qualitative legal approach is used, combining statutory analysis, case studies, and interviews with regulators and waqf managers to evaluate how existing norms function in practice. Results. The study finds that although the legal framework provides a formal foundation for cash waqf management, several issues persist, including overlapping authorities, weak enforcement mechanisms, and limited institutional capacity. Conclusions. A more coherent, integrated, and adaptive regulatory model is required to strengthen legal certainty and improve institutional performance in managing cash waqf. Implication. The findings underscore the need for policymakers, regulators, and waqf institutions to refine governance standards, enhance coordination, and adopt technological innovations to ensure transparent and efficient cash waqf administration. Keywords: Cash Waqf, Regulatory Model, National Legal System, Governance, Legal Challenges, Waqf Institutions
Public Policy As An Effort To Prevent Early Marriage Through Parental Participation Saddam Husein; Henny Nuraeny; Nova Monaya; Ani Yumarni; Hidayat Rumatiga
Jurnal Legisci Vol 3 No 2 (2025): Vol 3 No 2 October 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v3i2.983

Abstract

Background.The high rate of early marriage in Indonesia is influenced by factors such as tradition, social norms, economy, and low parental education levels. Parents often serve as the final decision-makers in child marriages, making their participation crucial in prevention efforts. Aims. This study aims to analyze the effectiveness of public policies in preventing early marriage through approaches that involve active parental participation. Methods. The method used is sociological juridical with a qualitative approach, conducted through discussion forums, coaching, and legal and health education for parents. Conclusion. The results show that the government has issued various policies, such as Law Number 16 of 2019, as well as programs such as BIMWIN, BRUS, marriage clinics, and women’s and children’s empowerment. However, these efforts are not yet optimal without improving parental capacity and awareness. The novelty of this research lies in its emphasis on legal and health education for parents as a strategic step in preventing early marriage. The implication is the need for integrative policy synergy between the government, society, and families
Co-Authors Andri Brawijaya Ani Yumarni Henny Nuraeny Hidayat Rumatiga Saddam Husein