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INDONESIA
Jurnal Hukum Ekonomi Syariah
Published by Sekolah Tinggi Agama Islam Al-Musaddadiyah Garut
ISSN : -     EISSN : 29627648     DOI : -
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice
JHesy adalah sebuah Jurnal online Prodi Hukum Ekonomi Syariah (Muamalah) untuk menampung berbagai Artikel berupa laporan penelitian baik dosen maupun mahasiswa yang melaksanakan penelitian ilmiah berupa Tugas Akhir, Skripsi, Hibah Penelitian, serta Pengabdian Kepada Masyarakat yang berada baik di dalam maupun diluar lingkungan Sekolah Tinggi Agama Islam Al-Musaddadiyah Garut. Dengan diterbitkannya karya ilmiah online ini diharapkan mampu mendorong semangat pendidikan dan penelitian khususnya bagi civitas akademik serta bisa memberikan kontribusi yang bermanfaat bagi masyarakat.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 122 Documents
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Regulasi dan Perlindungan Konsumen dalam Ekosistem Fintech Syariah: Posisi Aggregator sebagai Perantara Informasi Produk Keuangan Mulyana, Iwan; Sulanjana, Rukanda Ahmad
Jurnal Hukum Ekonomi Syariah Vol 4 No 2 (2025): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v4i2.1787

Abstract

The rapid development of financial technology (fintech) has given rise to new business models, one of which is the aggregator, which functions as an intermediary for financial product information. The presence of aggregators facilitates consumers in comparing various financial products; however, it also poses new challenges related to information transparency, consumer protection, and compliance with Sharia principles, particularly in Islamic financial products. This study aims to analyze the legal position of aggregators, examine regulatory obligations concerning transparency and consumer protection, and compare governance practices in the marketing of Islamic financial products involving aggregators. The research employs a literature review and policy analysis of relevant laws, regulations, and related documents. The findings indicate that Financial Services Authority Regulation (POJK) Number 4 of 2025 has provided a normative foundation for the regulation of aggregators; nevertheless, its implementation still leaves gaps, especially in the standardization of Sharia compliance information disclosure. The comparative analysis also reveals differences in orientation between conventional aggregators and Sharia-specific aggregators. This study recommends strengthening standard clauses on aggregator platforms, including clarity of contracts, fee transparency, and structured complaint-handling mechanisms, in order to enhance consumer protection and ensure Sharia compliance. Keywords: financial aggregators; consumer protection; Islamic finance; fintech regulation; information transparency.
Digitalisasi Dan Transformasi Teknologi Dalam Pengembangan Industri Halal Di Era Ekonomi Digital: Digitalisasi dan Transformasi Apriliyani, Feni; Munajat, Ma'mur; Fatmasari, Dewi; Jaelani, Aan
Jurnal Hukum Ekonomi Syariah Vol 4 No 2 (2025): Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al Musaddadiyah Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37968/jhesy.v4i2.1851

Abstract

The development of the digital economy has brought significant changes to the halal industry through digitalization and technological transformation. The use of digital technology affects not only production and distribution processes but also halal certification systems, supply chain transparency, and marketing strategies for halal products. On the one hand, this transformation creates opportunities to improve business efficiency and expand market access, particularly for halal industry players. On the other hand, it presents challenges related to human resource readiness, digital literacy, and the consistent application of ethical values and sharia compliance. This study aims to examine the role of digitalization and technological transformation in the development of the halal industry in the digital economy era. The research adopts a qualitative approach using a literature review method by analyzing academic publications, policy documents, and digital-based halal industry practices. The findings indicate that digitalization contributes positively to accelerating halal certification processes, enhancing product traceability, and expanding marketing reach through digital platforms. Technological transformation also encourages the emergence of innovative halal business models that are more adaptive to market dynamics. Nevertheless, the development of a digital-based halal industry requires responsive regulatory support, strengthened digital literacy among business actors, and the integration of sharia values to ensure that technological utilization remains sustainable and responsible. Keywords: digitalization; technological transformation; halal industry; digital economy.

Page 13 of 13 | Total Record : 122

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