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All Journal Sanskara Hukum dan HAM West Science Law and Human Rights West Science Interdisciplinary Studies West Science Interdisciplinary Studies
Dwi Saleha
Universitas Syeikh Nawawi Banten
Humanities Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Tinjauan Hukum terhadap Peraturan Pemerintah Nomor 8 Tahun 2021 tentang Modal Dasar Perseroan serta Kemudahan Berusaha bagi UMKM Dwi Saleha; Djuhrijjani Djuhrijjani; Wahyul Furqon; Gamal Abdul Nasir; Iin Inayah
Sanskara Hukum dan HAM Vol. 4 No. 02 (2025): Sanskara Hukum dan HAM (SHH)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/shh.v4i02.719

Abstract

Peraturan Pemerintah Nomor 8 Tahun 2021 merupakan reformasi hukum penting di Indonesia yang bertujuan untuk meningkatkan kemudahan berbisnis, khususnya bagi Usaha Mikro, Kecil, dan Menengah (UMKM). Salah satu inovasi terpenting dalam peraturan ini adalah penghapusan persyaratan modal dasar minimum untuk perseroan terbatas, sehingga pendiri dapat menentukan jumlah modal dasar berdasarkan kesepakatan bersama. Studi ini menggunakan analisis yuridis normatif untuk mengkaji substansi hukum, tujuan, dan implikasi Peraturan Pemerintah Nomor 8 Tahun 2021 dalam kerangka hukum korporasi Indonesia dan kebijakan pengembangan UMKM. Dengan menggunakan pendekatan hukum dan konseptual, penelitian ini menganalisis konsistensi peraturan dengan undang-undang tingkat atas, termasuk Undang-Undang Cipta Kerja, serta kesesuaiannya dengan prinsip-prinsip hukum dasar seperti kepastian hukum, keadilan, dan efisiensi ekonomi. Temuan menunjukkan bahwa peraturan ini memainkan peran strategis dalam menurunkan hambatan hukum dan finansial dalam formalisasi usaha, sehingga meningkatkan kemudahan berbisnis bagi UMKM dan mendorong aktivitas kewirausahaan. Namun, studi ini juga mengidentifikasi risiko hukum potensial, terutama terkait perlindungan kreditur dan tata kelola korporasi akibat ketidakhadiran persyaratan modal minimum. Makalah ini menyimpulkan bahwa meskipun Peraturan Pemerintah Nomor 8 Tahun 2021 secara positif berkontribusi pada pemberdayaan UMKM dan penyederhanaan regulasi, implementasi efektifnya memerlukan jaminan hukum tambahan untuk memastikan akuntabilitas, melindungi pemangku kepentingan, dan menjaga keseimbangan antara fleksibilitas bisnis dan kepastian hukum.
Analysis of the Impact of Fintech Innovation, Digital Trust, and Consumer Education on the Financial Performance of MSMEs in Tangerang City Dwi Saleha; Ahmad Ahmad; Solihin Solihin; Dwiati Marsiwi; Eko Sudarmanto; Surya Ramadhan Noor
West Science Interdisciplinary Studies Vol. 4 No. 01 (2026): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v4i01.2589

Abstract

The rapid development of financial technology (fintech) has transformed the way Micro, Small, and Medium Enterprises (MSMEs) manage their financial activities, particularly in urban areas such as Tangerang City. This study aims to examine the impact of fintech innovation, digital trust, and consumer education on the financial performance of MSMEs. A quantitative research approach was employed using primary data collected from 150 MSME owners and managers in Tangerang City through a structured questionnaire measured on a five-point Likert scale. Data analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 3. The results reveal that fintech innovation has a positive and significant effect on MSME financial performance. Digital trust also shows a significant and positive influence and emerges as the strongest determinant of financial performance. In addition, consumer education significantly contributes to improved financial performance by enhancing financial literacy and the effective use of digital financial services. Collectively, these findings indicate that MSME financial performance in the digital era is driven by an integrated framework combining technological innovation, trust in digital systems, and human capital development. The study provides practical insights for policymakers, fintech providers, and MSME stakeholders in developing inclusive and sustainable digital financial ecosystems.
Law Enforcement Strategies Against Crypto-Asset Money Laundering: Challenges in Evidence and Cross-Border Cooperation Dwi Saleha; Munawir Munawir; Djuhrijjani Djuhrijjani; Nizla Rohaya; Muhammad Nazir
West Science Law and Human Rights Vol. 4 No. 02 (2026): West Science Law and Human Rights
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wslhr.v4i02.2775

Abstract

This study examines law enforcement strategies in addressing cryptocurrency-based money laundering, with particular emphasis on evidentiary challenges and cross-border cooperation using a normative legal approach. The rapid development of digital assets such as Bitcoin has introduced new complexities in financial crime, enabling illicit actors to exploit decentralized systems and pseudonymous transactions. Through doctrinal analysis of legal frameworks, regulations, and international standards, including those established by the Financial Action Task Force, this research identifies key gaps in the current legal system. The findings reveal that the collection and admissibility of digital evidence remain significant obstacles due to difficulties in linking blockchain transactions to identifiable individuals, as well as limitations in technical capacity and legal procedures. Additionally, cross-border cooperation is hindered by regulatory fragmentation, jurisdictional differences, and slow mutual legal assistance mechanisms. Existing law enforcement strategies—while incorporating regulatory, technological, and institutional approaches are often insufficient and lack integration. This study concludes that strengthening international legal harmonization, enhancing digital forensic capabilities, and reforming cross-border cooperation mechanisms are essential to improving enforcement effectiveness. Furthermore, adaptive legal frameworks are needed to balance innovation in cryptocurrency with accountability and oversight. This research contributes to the development of more responsive legal strategies to combat cryptocurrency-based money laundering in an increasingly globalized digital economy.
Analisis Yuridis terhadap Penggunaan Chatbot Berbasis AI dalam Layanan Hukum dan Potensinya terhadap Pelanggaran Privasi Klien Rai Iqsandri; Dwi Saleha; Eko Sudarmanto
Sanskara Hukum dan HAM Vol. 4 No. 02 (2025): Sanskara Hukum dan HAM (SHH)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/shh.v4i02.714

Abstract

Peningkatan penggunaan chatbot berbasis kecerdasan buatan (AI) dalam layanan hukum telah mengubah cara penyampaian bantuan hukum dengan meningkatkan efisiensi, aksesibilitas, dan efisiensi biaya. Meskipun demikian, penerapan chatbot AI menimbulkan masalah hukum serius terkait perlindungan privasi dan kerahasiaan klien, yang merupakan prinsip dasar praktik hukum. Studi ini menerapkan analisis hukum normatif untuk mengkaji implikasi hukum penggunaan chatbot berbasis AI dalam layanan hukum, dengan fokus khusus pada potensi pelanggaran privasi klien. Dengan menganalisis undang-undang perlindungan data, kewajiban kerahasiaan profesional, dan doktrin etika hukum, studi ini mengevaluasi kecukupan kerangka hukum yang ada dalam menangani risiko yang terkait dengan pemrosesan data otomatis, penanganan data oleh pihak ketiga, dan ketidakjelasan algoritma. Temuan menunjukkan bahwa meskipun regulasi saat ini menyediakan perlindungan umum untuk data pribadi dan kerahasiaan, regulasi tersebut tidak cukup untuk mengatasi karakteristik unik alat hukum berbasis AI. Studi ini menyoroti celah regulasi terkait akuntabilitas, persetujuan yang terinformasi, dan transparansi, serta menekankan kebutuhan akan standar hukum yang lebih spesifik. Studi ini menyimpulkan bahwa panduan regulasi yang lebih jelas, pengawasan profesional yang diperkuat, dan integrasi prinsip privasi sejak desain (privacy-by-design) sangat penting untuk memastikan bahwa inovasi teknologi dalam layanan hukum tidak merusak privasi dan kepercayaan klien.
Analysis of the Impact of Fintech Innovation, Digital Trust, and Consumer Education on the Financial Performance of MSMEs in Tangerang City Dwi Saleha; Ahmad Ahmad; Solihin Solihin; Dwiati Marsiwi; Eko Sudarmanto; Surya Ramadhan Noor
West Science Interdisciplinary Studies Vol. 4 No. 01 (2026): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v4i01.2589

Abstract

The rapid development of financial technology (fintech) has transformed the way Micro, Small, and Medium Enterprises (MSMEs) manage their financial activities, particularly in urban areas such as Tangerang City. This study aims to examine the impact of fintech innovation, digital trust, and consumer education on the financial performance of MSMEs. A quantitative research approach was employed using primary data collected from 150 MSME owners and managers in Tangerang City through a structured questionnaire measured on a five-point Likert scale. Data analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 3. The results reveal that fintech innovation has a positive and significant effect on MSME financial performance. Digital trust also shows a significant and positive influence and emerges as the strongest determinant of financial performance. In addition, consumer education significantly contributes to improved financial performance by enhancing financial literacy and the effective use of digital financial services. Collectively, these findings indicate that MSME financial performance in the digital era is driven by an integrated framework combining technological innovation, trust in digital systems, and human capital development. The study provides practical insights for policymakers, fintech providers, and MSME stakeholders in developing inclusive and sustainable digital financial ecosystems.
Co-Authors Ahmad ahmad Djuhrijjani Djuhrijjani Djuhrijjani Djuhrijjani Dwiati Marsiwi Eko Sudarmanto Gamal Abdul Nasir Iin Inayah Muhammad Nazir Munawir Munawir Nizla Rohaya Rai Iqsandri Solihin Solihin Surya Ramadhan Noor Wahyul Furqon