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The advancement of information and communication technology in the era of the Industrial Revolution 4.0 has given rise to various digital innovations, one of which is deepfake technology that utilizes artificial intelligence and machine learning to manipulate audio-visual content convincingly. Although it has positive potentials in entertainment and education, the misuse of deepfake on social media has caused various legal and ethical issues, such as the spread of hoaxes, defamation, privacy violations, and non-consensual pornography. This study aims to analyze the use of deepfake from the perspective of Indonesian law, particularly through Law Number 11 of 2008 on Electronic Information and Transactions (ITE Law) and its amendments. Using a qualitative descriptive approach and literature study methods, this research examines the technical aspects of deepfake development, the relevance of ITE Law articles in regulating manipulative content, and the challenges of law enforcement amid low digital literacy in society. The findings show that although there are no explicit provisions concerning deepfake in the ITE Law, several articles can serve as a legal basis to prosecute offenders, albeit with interpretative and technical implementation challenges. Therefore, regulatory updates and improvements in digital literacy are necessary to prevent and effectively handle the misuse of deepfake technology.

Ethics in the business world is an important factor that every business entity, including online stores, must possess. The application of business ethics can shape a positive image and increase public trust in a business. This study discusses the role of business ethics in improving the image of the online store Alvasix. Observational results indicate that the online store Alvasix has implemented principles of business ethics, such as providing clear and honest product information, maintaining transparency in transactions, and displaying professionalism through friendliness, social responsibility, and prompt service to customers. With the implementation of good ethics, the online store Alvasix has successfully built customer trust, which indirectly impacts the overall improvement of the business image.

Electronic money laundering has become a critical issue as a form of cybercrime. Advances in technology demonstrate that digital forensic applications, particularly those utilizing smartphones, can be employed to uncover digital traces of money laundering transactions. This study aims to analyze the relevance of existing legal frameworks, the effectiveness of smartphone forensic techniques, and the challenges faced in their implementation in Indonesia. Based on a review of the literature and regulatory analysis, it was found that legal frameworks such as UU No. 8 of 2010 on the Prevention and Eradication of Money Laundering (TPPU) and UU No. 19 of 2016 on Information and Electronic Transactions (ITE) provide an adequate legal foundation. However, gaps in implementation, such as limited human and technological resources, remain significant obstacles. Forensic techniques, including metadata analysis and device extraction, have shown great potential in identifying the flow of illicit funds. Nonetheless, their application is hindered by data confidentiality and the lack of uniform technical standards. Given the increasing complexity of digital crimes, an integrated approach is required, combining regulatory strengthening with technological capacity building, to enhance the effectiveness of smartphone forensics in addressing electronic money laundering.

Local fashion brands in Indonesia are gaining popularity due to their affordable prices and competitive quality compared to imported products. One successful example is Arkline, a local fashion brand that effectively uses digital marketing, particularly TikTok, to reach its target market. This study aims to analyze Arkline’s sales growth strategy using a qualitative descriptive approach. Data were collected through digital observations and official online sources. The findings reveal that TikTok is a highly effective platform for engaging Generation Z, who prefer visual, interactive, and authentic content. Arkline’s strategy includes creating trend-based videos, using TikTok Live for real-time interactions, and collaborating with influencers who have large followings. These methods help increase brand awareness, strengthen customer engagement, and drive purchasing decisions. Additionally, the TikTok Shop feature enables seamless in-app transactions, which boosts conversion rates. Overall, TikTok serves as a powerful tool for Arkline to build stronger relationships with consumers, expand its market reach, and stay competitive in the fashion industry. With the right digital marketing strategy and adaptability to current trends, local brands like Arkline can fully leverage TikTok’s potential as an effective platform in today’s digital era.

This scientific article comprehensively investigates the fundamental principles of Fiqh Muamalah governing Islamic economic transactions, focusing on three primary areas: sale (bay'), debt-financing (dayn), and leasing (ijarah). This research aims to analyze the Sharia conceptual framework underlying each contract, including its pillars, conditions, and legal implications, as well as to identify crucial prohibitions such as gharar (ambiguity), riba (interest/unlawful increment), and maysir (speculation). Furthermore, this article explores the relevance and challenges of applying these principles within the dynamic context of the modern economy, characterized by financial innovation, digital technology, and globalization. Through an in-depth literature study and a comparative analysis of classical and contemporary scholars' interpretations, this research examines how ethical Islamic principles such as justice ('adl), mutual consent (taradhi), and public interest (maslahah) can be integrated into current business practices. Selected case studies on e-commerce transactions, digital lending platforms, and technology-based leasing models are analyzed to illustrate the challenges and potential solutions in applying Fiqh Muamalah. This article concludes by offering a perspective on the importance of contextual reinterpretation and the innovation of Islamic financial products to ensure the relevance of Fiqh Muamalah in addressing global economic challenges while upholding Islamic values.

Usury in buying and selling is a practice that is forbidden in Islam because it contradicts the principles of justice and balance in economic transactions. This research uses a qualitative approach with a literature study method to explore the normative and theological understanding of usury based on the Qur'an, hadith, and the views of scholars. Islam forbids all forms of usury, both in debt and buying and selling, including usury of qardh, jahiliyyah, fadhl, yad, and nasi'ah. This prohibition aims to prevent exploitation and create a fair economic system. Although some scholars still debate the status of bank interest, the majority state that the practice is usury. This study emphasizes the importance of staying away from usury and encourages the use of sharia-compliant transaction systems such as murabahah and mudharabah.

This study examines the market mechanism from the perspective of Islamic economics as a response to conventional economic systems that tend to emphasize either free-market principles or full government intervention. In Islam, the market mechanism is governed by principles of justice, transparency, and balance among the interests of individuals, the state, and society. This research highlights the thoughts of classical Islamic scholars such as Abu Yusuf, Ibn Taymiyyah, Al-Ghazali, and Ibn Khaldun, who had already elaborated on the concepts of markets, pricing, supply and demand, and ethical conduct in transactions long before Western economists developed similar ideas. Using a qualitative approach and literature review, this article analyzes various market distortions such as ihtikar (hoarding), tadlis (fraud), riba (usury), and gharar (uncertainty), as well as the role of government in limited intervention to maintain balance and fairness. The findings show that the Islamic market mechanism is not solely focused on economic efficiency, but is also deeply rooted in moral and spiritual values.

Shopee, a Singapore-based e-commerce company, has shown an aggressive and well-planned expansion strategy across Southeast Asia, particularly in Indonesia. Its growth has not only transformed the way people engage in digital transactions but has also introduced new challenges regarding economic security and national digital sovereignty. Shopee’s dominance in the local market reflects regulatory gaps in protecting domestic businesses, as well as the limited government oversight of foreign digital platforms. This paper explores Shopee’s expansion strategy, targeted market segments, and the Indonesian government’s policy responses. Using the international political economy approach and the lens of non-traditional security, this research aims to examine how the presence of foreign platforms like Shopee can influence domestic regulations and generate strategic challenges for national sectors.  

Indonesia's digital economy is rapidly growing with the emergence of e-commerce, fintech, and blockchain technology that facilitate cross-border transactions. However, challenges such as technological access inequality, personal data exploitation, and multinational company dominance remain major concerns. Therefore, implementing Pancasila values in digital economy governance is crucial to ensuring social justice, consumer protection, and national competitiveness. Pancasila principles, such as moral-based business ethics, consumer rights protection, digital sovereignty, and participatory regulation, must be integrated into digital economic policies. Additionally, electronic commerce regulations based on international law should align with national interests to balance digital economic growth and constitutional rights protection. Thus, Pancasila-based digital economic policies can promote inclusivity, strengthen SMEs' competitiveness, and ensure the broader welfare of society.

This study aims to analyze and describe the effectiveness of Village Fund Allocation (ADD) management, as well as the supporting and inhibiting factors in Negeri Amahusu, Nusaniwe District, Ambon City. The research employs a qualitative method with in-depth interview techniques for data collection.Based on the findings, it can be concluded that the management of Village Fund Allocation (ADD) in Negeri Amahusu is transparent, but community participation needs to be improved through more effective socialization and communication. The use of ADD aligns with the planned budget, yet challenges persist in fund disbursement and transparency in proposal acceptance. Financial administration is carried out accountably, despite encountering technical difficulties in transaction recording. The capacity of village officials still requires improvement, particularly in understanding updated regulations and financial reporting. Community participation is relatively high in village meetings and mutual cooperation activities, although material contributions remain limited. Coordination between institutions functions effectively, yet formal communication must be enhanced to ensure clearer information dissemination and greater community involvement.  

Murabahah, salam, and istishna' are types of sale and purchase transactions that have conceptually been recognized and applied as contract options in Islamic financial institution products. The National Sharia Council of the Indonesian Ulema Council (DSN-MUI), as the authority in issuing Islamic economic and financial fatwas, has issued rulings concerning these three types of transactions, in which various hadiths on legal rulings (ahkam muamalah) are cited as the basis. This paper aims to examine these hadiths from the DSN-MUI fatwas on murâbahah, salam, and istishna' through two perspectives: the analysis of authenticity (takhrij hadith) and the interpretation of substance (meaning analysis). The results indicate that these hadiths broadly cover key principles of sharia contracts such as mutual consent (ar-ridha), permissibility (al-ibâhah), and public interest (al-mashlahah); the notion of blessings in non-cash transactions (classified as weak hadith majhul category); prohibition of debt payment delays by those able to pay; and the permissibility of salam transactions and down payments (classified as weak hadith mursal category).

This study discusses the Decision of the Business Competition Supervisory Commission (KPPU) Number 16/KPPU-M/2023 regarding the delay in notification of the takeover of PT Kadi Indonesia Manufaktur shares by Nippo Corporation. The acquisition transaction was legally effective on June 3, 2021, but was only notified to the KPPU on October 18, 2021, which exceeded the 60-day working limit according to KPPU Regulation Number 3 of 2020. The purpose of this study is to analyze the legal principles used by the KPPU and assess the application of Article 29 of Law Number 5 of 1999 in conjunction with Article 5 of Government Regulation Number 57 of 2010. The method used is normative juridical with a case study approach. The results of the study show that the KPPU applies the repressive principle, namely that legal action is taken after the violation occurs. Although no bad intentions were found on the part of Nippo Corporation, elements of violation were considered proven, including asset values ​​exceeding the threshold and negligence in fulfilling administrative obligations. As a result, KPPU imposed an administrative sanction in the form of a fine of Rp1 billion. This finding emphasizes the importance of business actors' compliance with the provisions of acquisition notifications and shows the need to strengthen socialization and preventive warnings to prevent similar violations in the future.

This study aims to analyze the comparison of features and data integration between two mobile banking applications by Bank Syariah Indonesia, namely BSI Mobile and BYOND by BSI, in enhancing banking transaction convenience. The research method employed is descriptive qualitative through a literature review from various relevant sources. The results show that BYOND by BSI adopts a more modern data integration system using microservices architecture and open APIs, thus providing better transaction convenience and security compared to BSI Mobile, which still relies on a centralized system. Innovative features such as biometric authentication, QRIS, and a more intuitive user interface further enhance the digital banking experience for customers. However, BYOND by BSI still faces performance challenges, particularly in transaction speed, as the application experiences delays (lag) in several features that may reduce user comfort. The study concludes that BYOND by BSI is superior in facilitating banking transactions compared to BSI Mobile. It is recommended that future research be conducted using a quantitative approach to directly evaluate user experience in a more comprehensive manner.

Mobile commerce has become a crucial element in the business world, opening up new opportunities to increase efficiency and effectiveness in operator card sales. This research aims to investigate the extent to which the use of mobile commerce can be applied to improve operator card sales performance. Research methods include customer surveys, transactional data analysis, and interviews with relevant stakeholders. Data was collected to evaluate mobile commerce adoption, factors influencing usage, and its impact on increasing operator card sales. The research results show that the use of mobile commerce has significant potential to optimize the operator's card sales process. Factors such as user convenience, transaction security, and accessibility of product information play an important role in the acceptance of this technology. By implementing mobile commerce effectively, companies can expand market share, increase customer satisfaction, and achieve sustainable business growth. These findings provide strategic insight for developing business models that are more adaptive to mobile commerce trends. Practical implications of the research results are also discussed, providing guidance for telecommunications companies and operator card providers in increasing the use of mobile commerce as an innovative sales strategy.

This study aims to analyze the effectiveness of the use of the Quick Response Code Indonesian Standard (QRIS) to improve the efficiency of Micro, Small and Medium Enterprises (MSMEs) transactions to make them safer and easier to access in the Sultan Ageng Tirtayasa University, Sindangsari environment. QRIS is one of the payment instruments introduced by Bank Indonesia. This study uses a qualitative method on MSMEs that actively use QRIS in the payment method available at the Sultan Ageng Tirtayasa University canteen, Sindangsari. This data was collected through observation and interviews with 7 MSME owners and 10 buyers, to find out the reasons for choosing non-cash over cash, to find out the increase in the number of transactions after using QRIS, the advantages of using QRIS and its obstacles as well as the positive and negative impacts on the effectiveness and operations of MSMEs. Thus, QRIS has proven effective as a digital payment instrument that supports the growth of MSMEs at Sultan Ageng Tirtayasa University, Sindangsari.

The leakage of consumers' personal data by irresponsible corporations has become a serious issue in the digital era, particularly in the context of data protection in Indonesia. This paper analyzes corporate criminal liability for such data breaches from the perspective of Indonesian cybercriminal law. The study adopts a normative legal approach through literature review of relevant legislation, legal doctrines, and court decisions. The findings indicate that corporations may be held criminally liable if proven negligent or if they fail to fulfill their data protection obligations under the Electronic Information and Transactions Law (ITE Law). Although a legal framework already exists, proving the elements of fault and direct involvement of corporate executives remains a significant challenge. Therefore, there is an urgent need for strengthened technical regulations and stricter law enforcement to ensure the protection of consumer rights in the digital sphere.

QRIS (Quick Response Code Indonesian Standard) is a national digital payment innovation launched by Bank Indonesia to strengthen Indonesia’s digital and economic sovereignty. By integrating various payment platforms into a single QR code standard, QRIS simplifies domestic transactions—especially for Micro, Small, and Medium Enterprises (MSMEs)—while reinforcing state control over financial infrastructure and data flows. This policy reduces reliance on international payment networks such as Visa and Mastercard, which previously dominated digital transactions and stored data abroad. On a global scale, QRIS functions as a tool of digital economic diplomacy through cross-border payment initiatives like ASEAN Pay, enabling Indonesia to expand its influence in the global digital payment ecosystem. However, the United States has criticized QRIS, arguing that it restricts access for foreign companies and poses a barrier to trade. In response, the Indonesian government asserts that QRIS is designed to protect national interests while promoting fair international collaboration. This study employs a normative juridical and descriptive qualitative approach to analyze QRIS-related regulations, its impact on digital sovereignty, and its implications for international trade relations. Secondary data is sourced from literature studies and official documents. The findings reveal that QRIS plays a vital role in accelerating MSME digital transformation, enhancing financial inclusion, and strengthening Indonesia’s bargaining position in global digital finance. Ultimately, QRIS stands not only as a transaction tool but also as a strategic symbol of Indonesia’s digital independence and competitiveness in the international financial landscape.

In ever-evolving era of e-commerce, the Cash on Delivery (COD) Check First feature implemented by Shopee provides a practical solution for consumers who want to ensure security while shopping online. This feature allows buyers to inspect the condition of the product directly before deciding to make a payment. With this feature, consumers can verify that the item received matches the description listed on the platform, thus reducing the risk of fraud or product discrepancies. The transaction security offered through this system is one of the key aspects in increasing consumer trust in e-commerce platforms. This research aims to examine how the COD Check First feature provides additional protection for consumers in e-commerce transactions, particularly concerning the potential risks of fraud or product discrepancies that are common in online trade. This feature gives buyers more control to ensure that the received goods meet their expectations and the product description. Therefore, COD Check First not only facilitates the transaction process but also strengthens consumer protection, making it a relevant mechanism to minimize buyer dissatisfaction in e-commerce, especially in Indonesia.

Financial innovation plays a crucial role in increasing people's access to economic services, especially in the ever-evolving digital era. Through various forms of innovation such as digital financial services, fintech, mobile banking, and electronic payment systems, people, including those in remote areas—have made it easier to reach banking, investment, and financing services. These innovations help overcome various conventional barriers, such as limited physical infrastructure, high transaction costs, and the unaffordability of formal financial services. In addition, the presence of financial technology also expands financial inclusion by providing products and services that are more flexible, cheap, and easily accessible through mobile devices. This not only encourages local economic growth, but also empowers micro, small, and medium enterprises (MSMEs) to develop their businesses. However, challenges remain, such as the need for financial literacy, consumer data protection, and adequate regulatory oversight. Therefore, synergy between the government, financial institutions, technology providers, and the community is important to ensure that financial innovation can be utilized optimally and sustainably in promoting inclusive economic prosperity. Financial innovation is not just a technological advancement, but a strategic solution towards economic justice.

Online lending has become an increasingly popular financial solution in Indonesia, providing easy access to funds for people who are not fully served by traditional financial institutions. Despite offering many conveniences, the rapid growth of online lending brings various risks, such as the rise of illegal online loans, high interest rates, and the potential misuse of users' personal data. This research aims to analyze consumer protection in online loan transactions, by reviewing existing regulations, such as Law No. 8/1999 on Consumer Protection, OJK Regulation No. 77/Pojk.01/2016, and the Electronic Information and Transaction Law (ITE Law). This research uses a normative legal research method with a statutory approach that prioritizes legal materials in the form of laws and regulations as the main reference. Data collection techniques are carried out through library research, analyzing relevant regulations and related literature. The results show that although these regulations already exist, the implementation of supervision and law enforcement is still weak, resulting in many violations harming consumers. Stricter supervision from OJK, strict sanctions against illegal fintech providers, and increased education to the public about their rights as consumers are needed. With more effective supervision and clearer regulations, it is hoped that the online lending industry can develop healthily and provide benefits without harming consumers.