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This study investigates the perception of the public's perception of cashless transactions, the implementation of the Quick Response Code Indonesian Standard (QRIS) by Bank Indonesia, and the impact of QRIS on the volume of cashless transactions as well as the challenges and opportunities for its development. volume of non-cash transactions as well as challenges and opportunities for its development. Methods qualitative method with a literature research approach was used. Data and information were collected from various reliable sources, such as scientific journals, books, and relevant articles. The results show that the implementation of QRIS has increased the adoption of cashless transactions, especially in 2022. This helps MSMEs as it speeds up their operations and expands their customer base. their customer base. However, infrastructure issues, uneven digital literacy, and security threats such as uneven digital literacy, and security threats such as fake QR code scams are the challenges faced. More efforts are needed to improve digital literacy literacy and developing adequate technological infrastructure to ensure the benefits of the benefits of QRIS can be enjoyed by all levels of society.  

Abstract. Online shopping is a new technique in the world of trade in the lives of people in the modern era. Online shopping is also considered practical because online marketing utilizes the internet as a potential source of information to facilitate the life system. With global technological advancements of transactions that continues to develop, many opportunities for convenience are open for people in shopping activities. One of them is through online buying and selling known as e-commerce. This phenomenon shows that e-commerce platforms such as Tiktok, Shopee, Tokopedia, Lazada, Blibli, and Bukalapak have become the main choice for people in making shopping transactions today. This reflects the widespread adoption of the concept of online shopping as a practical and efficient alternative to meet consumer needs. This development also marks the transformation of the traditional way of shopping towards a more modern model that is integrated with technology. In carrying out this transaction, various types of contracts are used, such as the istishna contract. This istishna contract can be used for online purchases and sales can be established in a more structured manner and in accordance with sharia principles. Through this contract, buyers and sellers can carry out transactions clearly and fairly, and ensure that the goods or services ordered are suitable with the requirements and anticipations of the buyer. This research makes use of a descriptive qualitative approach involving reading theory, which includes methods of collecting and analyzing data from a variaty of sources including books, scientific notebooks, references, & additional literature partinent to the study topic. The purpose of this study is to determine the use of the isttishna contract for online purchases and sales made under the cash on delivery (COD) method with the hope of producing a through comprehension of the idea of the isttishna contract in Islamic economics and the ways in which these ideas might be used in cash on delivery (COD) transactions. Keywords: Contract istishna, cash on delivery (COD), buy and sell online   Abstrak. Penjualan online  adalah  pola perdagangan  yang telah merevolusi cara hidup masyarakat umum pada zaman sekarang. Penjualan online menjadi lebih umum karena penjualan ini menggunakan internet untuk menyediakan  pengetahuan yang  berpotensi  berguna  untuk memperlancar pola hidup. Dengan kemajuan teknologi dalam dunia transaksi yang terus berkembang, terbuka banyak peluang kemudahan bagi masyarakat dalam kegiatan berbelanja. Salah satunya adalah melalui jual beli online yang dikenal sebagai e-commerce. Fenomena ini menunjukkan bahwa platform penjulaan online contohnya Tiktok, Shopee, Tokopedia, Lazada, Blibli, serta Bukalapak telah menjadi pilihan utama masyarakat dalam melakukan transaksi belanja saat ini. Hal ini mencerminkan adopsi yang luas terhadap konsep belanja online sebagai alternatif yang praktis dan efisien dalam memenuhi kebutuhan konsumen. Perkembangan ini juga menandai transformasi cara tradisional berbelanja menuju model yang lebih modern dan terintegrasi dengan teknologi. Dalam pelaksanaan transaksi ini, digunakan berbagai jenis akad seperti akad istishna. Dengan menggunakan akad istishna, transaksi jual beli online dapat terjalin dengan lebih terstruktur dan sesuai dengan prinsip syariah. Melalui akad ini, pembeli dan penjual dapat menjalankan transaksi dengan jelas dan adil, juga memverifikasi bagian atau item tersebut yang dikirim sebanding dengan keperluan dan harapan pembeli. Penelitian ini meggunakan metode kualitatif deskriptif dimana melibatkan teori kepustakaan, yang mencakup metode pengumpulan dan analisis data melalui beragam referensi misalnya buku, jurnal akademik, referensi, serta rujukan lain yang berhubungan terkait pokok penelitian. Penelitian  ini  bertujuan agar mengetahui penerapan akad isttishna dalam sistem cash on delivery (COD) pada transaksi jual beli online dengan harapan menghasilkan pemahaman mendalam tentang konsep akad istishna dalam ekonomi syariah serta bagaimana prinsip-prinsip ini dapat diterapkan dalam transaksi cash on delivery (COD). Kata Kunci: Akad istishna, bayar ditempat, jual beli online

Abstract. During the pandemic, there were many people who suffered big losses and had an impact on the economy, so this caused people who experienced a downturn in the economy to be particularly encouraged to apply for loans via the internet. Especially online loan transactions are very supportive because they are very easy to reach. So, people don't need to leave the house to carry out this transaction. The research being carried out has the aim of discussing the rise of online loans during the pandemic and a review of sharia economic law on online loans during the pandemic and an evaluation of sharia economic law on online lending practices is the main focus of this research. The method used is descriptive qualitative, with a literary nature because it analyzes and discusses to conclude the legal status regarding online loans. Keywords: Online Loans, Islamic Economic Law, Pandemic Abstrak. Selama pandemi, masyarakat banyak sekali orang-orang yang merugi besar dan berpengaruh dalam perekonomian, sehingga pada hal ini menyebabkan masyarakat yang mengalami penurunan dalam perekonomian terdorong terutama untuk mengajukan pinjaman melalui internet. Terutama transaksi pinjaman online ini sangat mendukung karena sangat mudah dijangkau. Jadi, masyarakat tidak perlu meninggalkan rumah untuk melakukan transaksi ini. Pada penelitian yang sedang dilakukan ini memiliki tujuan yang dapat membahas tentang marakya pinjaman online selama pandemi dan tinjauan hukum ekonomi syariah pada pinjaman daring selama pandemi dan evaluasi hukum ekonomi syariah terhadap praktik pinjaman daring ini adalah fokus utama penelitian ini. Metode yang digunakan adalah deskriptif kualitatif, dengan sifatnya yang bersifat kepustakaan karena menganalisis dan mendiskusikan untuk menyimpulkan status hukum mengenai pinjaman daring. Kata kunci: Pinjaman Daring, Hukum Ekonomi Syariah, situasi pandemi

Abstract. The digital era has brought significant changes across various sectors of life, including the economy. The continuously evolving digital technology presents new opportunities and challenges, particularly in the implementation of Islamic economics in Indonesia. This article aims to analyze the innovations and implementation of Islamic economics in facing the developments of the digital era. The theoretical review covers the principles of Islamic economics, technology in the digital era, and the role of digital technology in the context of Islamic economics. This research employs a literature review method to understand various innovations and implementations in Islamic economics. The study results show that Islamic fintech, blockchain, Islamic crowdfunding, and collaboration with E-Commerce marketplaces have had a positive impact by enhancing access, transparency, and efficiency in financial transactions. By leveraging technological innovations, Islamic economics can contribute to creating an inclusive and sustainable economic system, benefiting individuals and society as a whole. Keywords: Digital Era, sharia economics, Technological Innovation   Abstrak. Era digital telah membawa perubahan signifikan di berbagai sektor kehidupan, termasuk ekonomi. Teknologi digital yang terus berkembang memberikan peluang dan tantangan baru, khususnya dalam implementasi ekonomi syariah di Indonesia. Artikel ini bertujuan untuk menganalisis inovasi dan implementasi ekonomi syariah dalam menghadapi perkembangan era digital. Kajian teori mencakup prinsip-prinsip ekonomi syariah, teknologi di era digital, dan peran teknologi digital dalam konteks ekonomi syariah. Penelitian ini menggunakan metode kajian literatur untuk memahami berbagai inovasi dan implementasi dalam ekonomi syariah. Hasil studi menunjukkan bahwa fintech syariah, blockchain, crowdfunding syariah, dan kolaborasi dengan E-Commerce marketplace telah membawa dampak positif dengan meningkatkan akses, transparansi, dan efisiensi transaksi keuangan. Dengan memanfaatkan inovasi teknologi, ekonomi syariah dapat berkontribusi dalam menciptakan sistem ekonomi yang inklusif dan berkelanjutan, menguntungkan individu dan masyarakat secara keseluruhan. Kata kunci: Era Digital, Ekonomi Syariah, Inovasi Teknologi

This research aims to find out how the legal validity of electronic sales and purchase agreements made by minors is reviewed in contract law and Law Number 19 of 2016 concerning electronic information and transactions and what legal consequences arise from the legal validity of electronic sales and purchase agreements. What Minors Do According to Contract Law and Law Number 19 of 2016 concerning Information and Electronic Transactions. Normative legal research uses normative case studies in the form of legal behavioral products, for example reviewing laws. The subject of the study is law which is conceptualized as a norm or rule that applies in society and becomes a reference for everyone's behavior. So normative legal research focuses on positive law inventory, legal principles and doctrine, legal discovery in cases in concreto, legal systematics, synchronization level, legal comparison and legal history. The results of this research show that (1) Agreements in electronic transactions via electronic media made by minors are said to be invalid because they conflict with the conditions for the validity of agreements in the Civil Code and the Electronic Information and Transactions Law (2) The legal consequences of agreements in electronic transactions via electronic media for minors for legal settlement efforts can only be carried out through guardianship. If minors do not meet the subjective requirements, namely the ability to make an agreement, the agreement made can be cancelled.

The development of information technology has encouraged the rapid growth of online buying and selling (e-commerce) activities. However, along with the increase in digital transactions, fraud in e-commerce is increasingly prevalent. This research aims to examine the importance of legal protection for victims of fraud in online transactions and examine the effectiveness of applicable laws and regulations in providing justice and legal certainty. The research method used is a normative juridical approach with an analysis of laws and regulations, legal literature, and case studies. The results of the study show that despite the existence of legal instruments such as the Criminal Code, the ITE Law, and the Consumer Protection Law, the implementation of protection for victims still faces various obstacles, such as the difficulty of tracking perpetrators and weak law enforcement. Therefore, it is necessary to strengthen regulations, increase public legal literacy, and optimize the role of law enforcement officials in providing maximum protection to victims of fraud in e-commerce. This research recommends synergy between regulation, technology, and education as an effective legal protection solution in the digital era.

Cybercrime is a criminal act using computer technology which will increase in 2022 based on data from the National Police Bareskim, namely around 8,831 cases. The crime of fraud online or via electronic media, namely fraud at online social gatherings. Fraud is generally regulated in Article 378 Book II Chapter XXV of KUHP which has changed with the enactment of Undang-Undang Nomor 1 Tahun 2023 tentang Kitab Undang-Undang Hukum Pidana (or known as the KUHP Nasional) in Article 492 Chapter XXVII concerning Criminal Acts of Fraud and specifically in Article 28 paragraph (1) of concerning Undang-Undang Nomor 1 Tahun 2024 tentang Perubahan Kedua Atas Undang-Undang Nomor 11 Tahun 2008 Tentang Informasi Dan Transaksi Elektronik regarding electronic transaction fraud. This research uses normative legal research methods with a statutory approach and case studies on online social gathering fraud cases. The research results show that criminal liability in cases of online social gathering fraud according to the Information and Electronic Transactions Law must fulfill the elements of the article: setiap orang; dengan sengaja; mentransmisikan Informasi Elektronik dan/ atau Dokumen Elektronik; berisi pemberitahuan bohong atau informasi menyesatkan; yang mengakibatkan kerugian materiel bagi konsumen dalam Transaksi Elektronik. The aim of criminal law is to make the defendant realize his mistake and prevent him from repeating the crime he committed.

This study aims to determine the accounting treatment of murabahah (recognition, measurement, presentation and disclosure) in accordance with PSAK no. 102. BMT in 13 population was studied. The descriptive analysis with qualitative and quantitative approaches wasused to deploythe questionnaires to respondents. The study showed that the accounting treatment of murabahah in BMT is not all adopted PSAK no. 102 properly. The average value of the percentage only reached 68.4%. There are weaknesses in the educational background of the respondents were limited to the knowledge of transaction records BMT.

Digital currencies can now be utilized by people in various countries, including Indonesia. The Commodity Futures Trading Supervisory Agency (Bappebti) noted that as of November 2023, the number of registered crypto asset customers reached 18.25 million. Every month it has a growth of 437.9 thousand customers calculated since February 2021. The problem in the study, how is the use of crypto assets in Indonesia for investment and transaction purposes in Indonesia.The purpose of the study, to analyze the use of crypto assets in Indonesia for investment and transaction purposes in Indonesia.  This research is normative juridical, legal material collection techniques using library research. Data analysis technique, by collecting data, analyzing data, followed by drawing conclusions. Every transaction uses a currency benchmark. The definition of currency is money issued by the Unitary State of the Republic of Indonesia, hereinafter referred to as Rupiah. It is money that is a legal tender. Article 2 of Bappebti Regulation No.5 of 2019 concerning Technical Provisions for the Implementation of the Crypto Asset Physical Market on futures exchanges, crypto asset trading must be based on legal certainty. Conclusion, that crypto assets in Indonesia can be used as a means of investment for the community. with provisions in accordance with the Minister of Trade Regulation Number 99 of 2018. Buying and selling crypto can only be done on the futures exchange.

Penelitian ini merupakan bagian sosiolinguistik dalam kajian bahasa jual beli. Dalam transaksi jual beli, para pelaku transaksi menggunakan bahasa paling mudah dimengerti dengan tujuan saling untung. Pedangang tradisional menggunakan bahasa lisan halus dan sopan, sedangkan pedagang modern lebih dominan menggunakan bahasa tulisan yang komunikatif dan menarik. Keduanya sama sama bertujuan untuk menarik pembeli. Tujuan penulis adalah mempelajari dan mencari perbedaan bahasa tersebut yang digunakan oleh pelaku transaksi jual beli di pasar tradisional dan pasar modern (swalayan) yang ada di kota Semarang.

This study aims to analyze purchasing patterns in online transactions using the Apriori algorithm to support sales strategy optimization. The research was conducted on transactional data from an online store selling household and daily-use products. The Apriori method was applied to identify associations between items based on minimum support and confidence thresholds. Four experimental scenarios were tested to compare the reliability of generated rules and determine the strongest item relationships. Data preprocessing included item grouping, transaction coding, and elimination of non-frequent items. The results show several strong association rules with lift ratio values above 1, indicating meaningful item relationships. The strongest rule identified was the association between forks and spoons, forming a highly relevant combination for product bundling strategies. The findings demonstrate that the Apriori algorithm can assist online stores in planning stock, designing product bundling, and improving marketing effectiveness. The research contributes practical insights for business decision-making and highlights the significance of data mining in e-commerce environments.

From an Islamic perspective, the number of online transactions that fall under the heading of fiqh muamalah niaga or buying and selling is rapidly increasing. Islam has laws that apply to both buyers and sellers in buying and selling transactions. The purpose of this study is to examine the basic elements and requirements for implementing a greeting contract in online buying and selling transactions that comply with the Statement of Islamic Financial Accounting Standards PSAK Syariah 103. The research was conducted using qualitative methods and case study methods were conducted in the Online Store. The informants of this research are traders and consumers. The results showed that sellers generally know the pillars and conditions of buying and selling online in an Islamic perspective. Akad Salam has been carried out by business people with the term pre-order, business people do not know and apply PSAK Syariah 103. Research results can be useful for entrepreneurs, academics as well as government agencies and the community.    

Shopee PayLater is Shopee's newest payment method that is easily accessible on smartphones via the internet by Shopee users. The Shopee PayLater payment method offers to active Shopee users. It aims to provide convenience for buyers in the form of loans with low interest rates. However, even though Shopee claims tousers must pay. Shopee also penalizes fines for late payments after maturity. The formulation of the problem in this study includes, how is the mechanism for buying and selling using the PayLater method on the Shopee application? and How is the review of sharia economic law on buying and selling using the PayLater method on the Shopee application? So this study aims to determine the mechanism of buying and selling transactions using PayLater in the Shopee application and to find out the review of sharia economic law on PayLater transactions in the Shopee application. This research is included in the type of qualitative research with data collection techniques used, namely interviews, observation, and documentation. From this data is analyzed through the stages of data reduction, data presentation, then conclusions. Based on the results of this study, it was found that in the Shopee PayLater payment method, usury was indicated because from the beginning of the agreement, Shopee set installment interest and penalties to compensate for late payments.

This research aims to analyze the application of Income Tax (PPh) on E-Commerce business transactions in Kupang City. This research is a descriptive qualitative research with qualitative research type. The type of data used in this research is qualitative data, while the data sources come from primary data and secondary data. Data analysis was conducted using data analysis techniques based on Miles and Huberman. The results of the research show that the implementation of income tax (PPh) on E-Commerce businesses in the city of Kupang has not gone well because, up to now there is no separation or grouping of E-Commerce taxes and the majority of E-Commerce business actors have not registered their businesses online

Al-Amien Prenduan Islamic boarding school issued a new breakthrough in an effort to prevent corruption and theft. Everything that is done by the Al-Amien Prenduan Islamic boarding school aims to instill the value of Islamic education to female students. Since 2019, TMI has required all its students to use digital money in buying and selling transactions. Where parents send money not in the form of cash but through (virtual accounts) so that students use fingerprints in buying and selling transactions.In this study, researchers used a descriptive qualitative approach. To find out about the implementation of non-cash transactions in order to increase the internalization of Islamic educational values at the TMI Putri Al-Amien Prenduan Islamic boarding school. Data collection techniques include observation, interviews and documentation.The results of this study are honest attitude, patient attitude, not wasteful, thrifty and mandate is a form of instillation of Islamic educational values in non-cash transactions.as for internal and external support is a supporting factor while the lack of knowledge of student guardians related to the fingerprint system makes student guardians do not limit remittances every month.

Differences in Results Regarding Legal Protection for Consumers When Carrying Out Online Buying and Selling Transactions. Identify legal protection for customers during e-commerce transactions based on UUPK. 2. Identify legal protection for customers during UUITE e-commerce transactions. This research was conducted to determine the legal aspects of legal protection for consumers when carrying out online buying and selling transactions. Normative juridical research methodology, also known as library research. Both UUPK and UUITE have not been fully implemented to regulate electronic buying and selling transactions. Many consumers still do not receive their rights when they become victims of errors in online buying and selling transactions. The main factors that make it difficult for consumers to obtain legal protection from relevant authorities are also influenced by a lack of socialization and consumer understanding. With current technological advances, it is hoped that businesses, consumers and related bodies will be more aware of better legal protection for all parties.

Batik tulis merupakan batik yang teknik pembuatan paling tertua dan paling tradisional yang ada di Indonesia. Hal ini karena teknik pembuatan batik tulis khususnya dilakukan secara manual dengan menggunakan canting dan malam.  Eksistensi batik sudah dikenal luas baik lokal maupun mancanegara. Bahkan, pada tanggal 2 Oktober 2009, UNESCO menetapkan batik sebagai Intangible Cultural Heritage (ICH) atau Warisan Budaya Takbenda. Pengabdian masyarakat ini focus dalam upaya menumbuh kembangkan eksistensi UMKM batik tulis tradisional di Desa Kalipucang Wetan, Kecamatan Batang, Kabupaten Batang bersama Pemerintah Daerah dan Perguruan Tinggi Fakultas Hukum UNTAG Semarang serta Fakultas Hukum Universiti Kebangsaan Malaysia. Metode pengabdian masyarakat dengan penyuluhan hukum dan diskusi. Hasil penyuluhan hukum didapat kesadaran bagaimana pelaku pengrajin batik tradisional semakin lebih paham tentang keamanan transaksi bisnis batik baik secara Nasional maupun Internasional serta pentingnya peran sinergis Pemerintahn Daerah, Perguruan Tinggi serta Perbank kan dalam upaya menumbuh kembangkan pelaku pembatik tulis tradisional lebih eksis dan mendunia.

The aim of this research is to understand and comprehend the urgency of implementing Artificial Intelligence in service business transactions as well as the application of the Consumer Protection Law in regulating business transactions using Artificial Intelligence. This research was conducted using a type of normative legal research supported by empirical data. In research activities, researchers also use data collection techniques through interviews and documentation. Based on the research that has been carried out, the results show that the implementation of Artificial Intelligence in business transactions provides a number of significant benefits in business. This includes increased operational efficiency, better data analysis, being able to answer messages automatically and the ability to make decisions in a more timely manner. In addition, the application of the Consumer Protection Law in business transactions using Artificial Intelligence is very important to maintain consumer rights and security.

The development of information and communication technology facilitates transactions, including through e-commerce, but has the potential to present criminal acts of data theft and violations of user privacy. This research investigates the case of data leakage in the Tokopedia application in criminal law and corporate liability by Tokopedia. The analysis shows that Tokopedia can be criminally liable for its negligence in maintaining the security of personal data, such as the weakness of the data security system (encryption) and the lack of vigilance against hacker attacks. Tokopedia has several obligations in protecting users' personal data. This case shows the importance of corporate criminal liability and the company's obligation to protect users' personal data. Using the normative juridical method and statutory approach, primary data is obtained from the Tokopedia 2020 case study, while secondary data comes from primary and secondary legal sources. The results show that the Tokopedia data leak in 2020 is a criminal offense due to the negligence of PT Tokopedia, which is in accordance with the criminal law principle of Culpa Lata Unconscious. The Personal Data Protection Law emphasizes the responsibility of PT. Tokopedia in protecting personal data. Law enforcement needs to take firm action against the perpetrators of criminal acts to provide a deterrent effect.

This article aims to examine the form of legal protection for buyers due to the implementation of legal regulations in Indonesia regarding cases of hidden defects in e-commerce transactions. This research is normative legal research with primary, secondary and tertiary legal materials. This research uses a legislative approach which will then be analyzed using the syllogism method with a deductive mindset. The results of this research show that internal legal protection is created by the parties themselves, if the business actor commits a breach of contract in the form of selling goods that are not in accordance with the agreement, this can result in internal protection not being fulfilled. Meanwhile, the UUPK and PP PSTE are a form of external legal protection because they are regulations that have been made by authorized officials to provide protection to weak parties from injustice.