Abstract:Transformasi digital telah mengubah pola konsumsi masyarakat Indonesia menjadi lebih cepat, instan, dan berbasis platform. Fenomena ini melahirkan konsep “Konsumen 5.0”, yaitu konsumen yang hidup dalam ekosistem digital…
tal yang terintegrasi dengan teknologi cerdas seperti kecerdasan buatan, Internet of Things, dan platform e-commerce/fintech. Di sisi lain, risiko konsumen semakin kompleks, mulai dari penipuan online, kebocoran data, produk tidak sesuai deskripsi, hingga manipulasi informasi melalui algoritma dan iklan digital. Dalam konteks ini, perlindungan konsumen tidak lagi hanya bersifat represif melalui penegakan hukum, tetapi juga preventif melalui komunikasi dan edukasi yang efektif. Badan Perlindungan Konsumen Nasional Republik Indonesia (BPKN RI) memiliki peran strategis sebagai lembaga yang memberikan saran dan rekomendasi kepada pemerintah serta menerima pengaduan masyarakat terkait perlindungan konsumen. Artikel ini bertujuan menganalisis peran BPKN RI dalam melindungi Konsumen 5.0 melalui pendekatan komunikasi dan edukasi. Metode yang digunakan adalah kajian literatur berbasis yuridis normatif dengan pendekatan konseptual dan analisis dokumen, meliputi UU No. 8 Tahun 1999 tentang Perlindungan Konsumen, dokumen BPKN, serta literatur terkait komunikasi publik dan literasi digital. Hasil kajian menunjukkan bahwa BPKN RI telah mengembangkan berbagai inisiatif komunikasi dan edukasi, seperti website resmi, media sosial, kampanye publik, dan sosialisasi kepada masyarakat. Namun, tantangan seperti rendahnya literasi digital masyarakat, perkembangan teknologi yang sangat cepat, dan keterbatasan regulasi masih menjadi hambatan. Artikel ini menyimpulkan bahwa penguatan strategi komunikasi dan edukasi berbasis digital sangat penting untuk meningkatkan kesadaran dan daya kritis Konsumen 5.0. Rekomendasi yang diajukan meliputi penguatan komunikasi digital, peningkatan program edukasi konsumen, perluasan jangkauan sosialisasi, serta penguatan peran BPKN dalam kebijakan nasional perlindungan konsumen di era digital.
Abstract:Perkembangan teknologi yang pesat telah mengubah berbagai sektor, termasuk teknologi keuangan (fintech). Salah satu layanan fintech yang paling populer di Indonesia adalah peer-to-peer (P2P) lending, yang menyediakan layanan…
anan pinjaman online dengan akses yang cepat dan mudah. Namun, meningkatnya minat terhadap pinjaman online telah menimbulkan berbagai permasalahan, seperti rendahnya literasi keuangan, perilaku pinjaman yang tidak bertanggung jawab, serta maraknya platform pinjaman online ilegal. Penelitian ini bertujuan untuk menganalisis pengaruh persepsi kemudahan penggunaan, persepsi risiko, kepercayaan, dan sikap keuangan terhadap niat mahasiswa Institut Teknologi dan Bisnis Dewantara dalam menggunakan pinjaman online.
Penelitian ini menggunakan pendekatan kuantitatif dengan analisis regresi linier berganda. Data dikumpulkan melalui survei yang melibatkan mahasiswa Institut Teknologi dan Bisnis Dewantara. Uji statistik seperti uji validitas, uji reliabilitas, dan pengujian hipotesis dilakukan menggunakan SPSS. Hasil penelitian menunjukkan bahwa faktor psikologis dan perilaku keuangan secara signifikan memengaruhi minat mahasiswa dalam menggunakan pinjaman online. Penelitian ini memberikan kontribusi dalam memahami risiko serta faktor-faktor yang memengaruhi perilaku peminjaman, sehingga dapat memberikan wawasan untuk meningkatkan literasi keuangan dan manajemen keuangan yang bertanggung jawab di kalangan mahasiswa.
Abstract:PayLater services are one of the rapidly growing digital financial innovations widely utilised in fintech apps in Indonesia, including Kredivo and Akulaku. User reviews on the Google Play Store reflect a range of experiences,…
nces, from satisfaction with the ease of use of the service to complaints regarding bills, interest rates, late payment fees, credit limits, and app performance. This study aims to classify the sentiment of user reviews regarding PayLater services on the Kredivo and Akulaku apps using the Multinomial Naïve Bayes algorithm. Data was collected via web scraping from the Google Play Store and automatically labelled based on user ratings, with ratings of 1-2 classified as negative sentiment and ratings of 4-5 as positive sentiment, whilst a rating of 3 was excluded as it was considered ambiguous. Following a preprocessing stage comprising cleaning, case folding, tokenisation, stopword removal, and stemming, as well as feature extraction using TF-IDF, 3,652 reviews were obtained with a training-to-test data split ratio of 80:20. The results indicate that positive sentiment dominates the dataset at 56.49%, whilst negative sentiment accounts for 43.51%. Analysis by application revealed that Kredivo was dominated by positive sentiment (68.20%), whilst Akulaku was dominated by negative sentiment (51.70%). The Naïve Bayes multinomial model achieved an accuracy of 84.13%, with average precision, recall, and F1-score values of 0.84, demonstrating good and balanced classification performance across both sentiment classes.
Abstract:This study examines the relationship between financial literacy, fintech usage, and digital shopping behavior among Generation Z university students in Indonesia, as well as the mediating role of fintech usage in this relationship.…
lationship. Data were collected from student respondents using purposive sampling and analyzed with path analysis. The results indicate that financial literacy significantly increases fintech usage, and fintech usage positively influences digital shopping behavior. The direct effect of financial literacy on digital shopping behavior becomes insignificant when fintech usage is included in the model, indicating that fintech usage fully mediates this relationship. These findings suggest that financial literacy encourages students to be more active in using fintech, and it is the intensity of fintech usage that drives their digital shopping behavior. This study highlights the importance of strengthening financial literacy and understanding financial technology to foster healthy financial behavior among students.
Abstract:Digital technologies are changing rapidly, and this has changed the financial services industry, especially how people decide where to invest their money. This study looks at how digital literacy, financial literacy, and…
fear of missing out (FOMO) affect how much risk young investors are willing to take when investing with information disclosure as a mediating variable. The research data is taken from 447 investors of Gen Y and Z in West Java and used Partial Least Squares-Structural Equation Modeling (PLSSEM). The results show that being financially literate makes people more likely to search for financial information, but it also makes them less willing to take risks when investing. This suggests that people who know a lot about money are more careful when they invest. On the other hand, FOMO has a positive effect on both information searching and risk tolerance, showing how emotions can affect people online. Digital literacy helps people be more willing to take risks, but it does not have a big effect on how much information they search. These results show how important cognitive and emotional factors are in determining how people act when it comes to IT-driven finances. The study helps with responsible digital transformation by showing how important it is for individuals to be ready to navigate fintech ecosystems. It also gives regulators, platform providers, and educators ideas on how to promote more informed and resilient investment practices.
Abstract:This study seeks to explore the relationship between the understanding of fintech usage, behavioral intention, financial literacy, customer satisfaction, and brand image within the framework of the Bibit investment application.…
cation. As consumer awareness of digital financial services continues to increase, companies are adopting strategies to strengthen user engagement and foster trust. The research highlights the critical role of financial literacy and customer satisfaction in cultivating stronger relationships between users and fintech platforms. The findings indicate that enhancing financial literacy and providing intuitive, user-friendly experiences not only elevate customer satisfaction but also encourage greater user loyalty. In light of the rising demand for informed decision-making and trust in digital financial services, fintech platforms that align with consumer expectations regarding education and service quality are better positioned to build long-term, meaningful relationships with users, thereby promoting sustained engagement and brand loyalty. Furthermore, the paper addresses the potential directions for future research focused on enhancing customer engagement with fintech platforms, particularly in the context of a highly competitive and awareness-driven market.
Abstract:This study aims to examine the dynamics of fatwas issued by Islamic scholars in addressing contemporary Muamalah issues in Indonesia and to identify the roles, challenges, and potential alignment between fatwas and positive…
ive legal regulations. Fatwas issued by scholars play a crucial role in providing legal guidance for Muslims in Indonesia, particularly in the context of technological and modern economic developments such as e-commerce, sharia fintech, and digital investments. Using a qualitative approach with literature study, this research analyzes various fatwas issued by the Indonesian Ulema Council (MUI) and the factors influencing the scholars' decisions, including technological advancements, societal needs, and globalization. Furthermore, this study identifies obstacles in the implementation of fatwas, such as limited public understanding and potential conflicts with government regulations. The research finds that, despite the challenges, there is significant potential for aligning fatwas with positive legal regulations in Indonesia. Collaboration between scholars, religious institutions, and the government is essential to ensure the effective implementation of fatwas and create an inclusive and just legal system for Muslims. The synergy between fatwas and regulations is expected to support the sustainable development of the Islamic economy and contribute to the building of a more prosperous and harmonious Indonesian society.
Abstract:Transformasi digital telah menjadi faktor utama dalam meningkatkan daya saing industri perbankan, termasuk Bank Syariah Indonesia (BSI). Sebagai bank syariah terbesar di Indonesia, BSI terus mengembangkan inovasi digital…
guna meningkatkan efisiensi operasional dan kualitas layanan bagi nasabah. Salah satu aspek penting dalam transformasi digital ini adalah sinergi dengan industri kreatif yang berkontribusi pada pengembangan produk dan layanan perbankan berbasis teknologi. Penelitian ini bertujuan untuk menganalisis strategi optimal dalam mengintegrasikan transformasi digital dengan dukungan industri kreatif di BSI. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif dengan analisis literatur dan studi kasus implementasi digitalisasi di BSI. Hasil penelitian menunjukkan bahwa adopsi teknologi finansial (fintech), penguatan ekosistem digital, serta kemitraan dengan pelaku industri kreatif mampu meningkatkan keterjangkauan dan inklusivitas layanan perbankan syariah. Selain itu, inovasi digital, seperti penggunaan kecerdasan buatan dan analisis big data, berkontribusi dalam meningkatkan pengalaman nasabah dan efektivitas pengelolaan risiko. Dukungan industri kreatif, seperti desain antarmuka pengguna (UI/UX) dan pemasaran digital, turut memperkuat daya tarik produk perbankan syariah di kalangan milenial dan generasi Z. Oleh karena itu, diperlukan strategi yang komprehensif untuk mengoptimalkan kolaborasi antara transformasi digital dan industri kreatif guna mendukung pertumbuhan BSI yang berkelanjutan di era digital.
Abstract:Penelitian ini bertujuan untuk menganalisis bentuk perlindungan hukum bagi debitur rentan dalam perjanjian kredit online dengan jaminan gadai emas syariah serta mengidentifikasi kelemahan implementasi prinsip syariah dan…
hak-hak debitur dalam praktik pembiayaan berbasis teknologi finansial. Metode Penelitian: Penelitian ini menggunakan metode kepustakaan (normatif) dengan pendekatan perundang-undangan dan konseptual. Hasil Penelitian: Hasil penelitian menunjukkan bahwa debitur rentan seperti pedagang mikro, buruh harian, dan perempuan pra-sejahtera menghadapi ketidakseimbangan posisi tawar dalam perjanjian baku kredit online gadai emas syariah. Perlindungan hukum preventif diatur dalam Fatwa DSN-MUI No. 25/DSN-MUI/III/2002 tentang Rahn dan Pasal 18 UU No. 8 Tahun 1999 tentang Perlindungan Konsumen, namun dalam praktiknya banyak platform fintech syariah tidak sepenuhnya mematuhi prinsip keadilan dan transparansi. Klausula baku sering memuat ketentuan sepihak seperti penetapan biaya penitipan tidak proporsional, denda keterlambatan yang tersamar, serta mekanisme lelang tanpa pemberitahuan layak. Perlindungan represif melalui pengadilan atau BPSK sulit diakses debitur rentan karena biaya tinggi, waktu panjang, dan rendahnya literasi hukum. Penelitian menyimpulkan bahwa perlindungan hukum eksisting belum efektif, sehingga diperlukan penguatan regulasi kontrak digital syariah, peningkatan pengawasan Dewan Pengawas Syariah, serta kewajiban edukasi risiko bagi debitur sebelum persetujuan akad.
Abstract:This study aims to analyze the effectiveness of legal protection for consumers in digital transactions in Indonesia. The method used is library research with a normative juridical approach. The results of the study indicate…
ate that Indonesia actually has an adequate legal basis to protect digital consumers, which is primarily sourced from Law Number 8 of 1999 concerning Consumer Protection and Law Number 19 of 2016 concerning Information and Electronic Transactions. These regulations have set out basic principles such as the obligation of business actors to provide honest information, consumer rights to security, and the recognition of electronic evidence. However, its implementation in the field encounters various significant obstacles. Case studies on e-commerce and fintech platforms reveal that consumer losses still often occur, such as products that do not match the description, difficulties with refunds, and the vulnerability of personal data. The key finding of this study is that the main challenge lies not in the legal vacuum, but in three aspects: (1) low digital literacy and consumer law so that they are not optimal in fighting for their rights; (2) alternative dispute resolution mechanisms such as BPSK and ODR (Online Dispute Resolution) which are not yet effective, fast, and easily accessible; and (3) weak supervision and law enforcement against unscrupulous business actors in the digital space. Therefore, it is concluded that digital consumer protection efforts require a holistic approach that relies not only on regulations, but also through massive public education, strengthening dispute resolution institutions, and closer synergy between the government, business actors, and the community.