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Penelitian ini membahas Implementasi Konsep Hak Khiyar dalam transaksi jual beli modern, dengan fokus pada transaksi istishna, Cash on Delivery (COD), dan sistem jual beli online melalui e-commerce. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan deskriptif. Hasil penelitian menunjukkan bahwa penerapan Hak Khiyar dilakukan dengan cermat dan sesuai dengan prinsip-prinsip syariah Islam. Konsumen merespons positif terhadap Implementasi Hak Khiyar karena memberikan rasa kepercayaan dan keamanan dalam bertransaksi. Namun, masih terdapat tantangan terkait kurangnya sosialisasi informasi mengenai Hak Khiyar kepada konsumen dan perbaikan dalam efisiensi proses pengembalian barang. Disarankan agar terus meningkatkan upaya sosialisasi dan edukasi tentang Hak Khiyar kepada konsumen untuk memberikan pengalaman berbelanja yang lebih baik dan memuaskan. Kesimpulannya, Implementasi Konsep Hak Khiyar memberikan manfaat dalam membangun hubungan bisnis yang saling menguntungkan antara penjual dan pembeli, sejalan dengan prinsip-prinsip syariah yang mengedepankan keadilan dan kepentingan bersama dalam transaksi.  

 Toko Percetakan Zacky Karya Abadi masih mengelola data stok dan penjualan secara manual, yang menimbulkan berbagai tantangan operasional. Penelitian ini bertujuan untuk merancang dan membangun sebuah sistem informasi berbasis web guna menyederhanakan dan mengotomatisasi proses tersebut. Metode pengembangan yang digunakan meliputi tahapan observasi, wawancara, serta perancangan sistem menggunakan alat bantu seperti Activity Diagram, Usecase Diagram, dan ERD, yang diimplementasikan dengan PHP dan MySQL. Hasilnya adalah sebuah sistem informasi terintegrasi dengan akses berbasis peran untuk pemilik, admin, karyawan, kasir, dan pelanggan. Sistem ini memiliki fitur modul manajemen stok, transaksi penjualan, pengelolaan pengguna, dan pelaporan operasional otomatis. Implikasi dari sistem ini adalah peningkatan efisiensi operasional secara signifikan, pengambilan keputusan yang lebih cepat dan akurat melalui laporan real-time, serta meminimalkan risiko kehilangan data.

Sertifikat tanah berfungsi sebagai alat bukti yang sah. Sertifikat memberikan perlindungan hukum bagi pemegang hak, dengan syarat data fisik dan data yuridis tercantum di dalamnya. Terutama dalam jual beli dengan penjual yang tidak diketahui keberadaanya. Penelitian ini menggunakan metode yuridis normatif dengan spesifikasi deskriptif analitis. Penelitian ini mengenai perlindungan hukum bagi pembeli untuk balik nama sertifikat yang penjualnya tidak diketahui keberadaannya dan dasar pertimbangan hukum hakim dalam memberikan putusan terkait perlindungan hukum bagi pembeli serta akibat hukumnya dinyatakan dalam putusan Pengadilan Negeri Tarakan No.57/Pdt.G/2022/PN Tar. Perlindungan hukum dilakukan melalui peradilan sebagai upaya menuntut hak. Majelis Hakim mempertimbangkan dengan adanya bukti surat dan saksi yang dihadirkan. Akibat hukum tergugat terbukti melakukan perbuatan melawan hukum Pasal 1365-1367 KUHPerdata, yang merugikan penggugat dengan menghalangi haknya sebagai pemilik. Kesimpulan 1)pembeli dapat menggunakan sertifikat sebagai alat bukti hak atas tanah meski tanpa bukti lengkap. Serta, pihak dirugikan dapat mengajukan eksekusi rill Pasal 1241 KUHPerdata. 2)majelis hakim mempertimbangkan jual beli sah berdasarkan bukti dan keterangan saksi. 3)Majelis hakim menetapkan tergugat melakukan perbuatan melawan hukum Pasal 1365-1367 KUHPerdata. Tindakan tergugat melanggar hak subjektif, kewajiban hukum, serta asas kepatutan. Saran 1)masyarakat perlu memahami prosedur legal kelengkapan dokumen dalam transaksi tanah untuk mencegah masalah dikemudian hari. 2)majelis hakim harus mencerminkan keadilan, kemanfaatan, dan kepastian hukum melalui pertimbangan serta pengembangan peraturan yang relevan. 3)majelis hakim harus mengutamakan keadilan, kepastian hukum serta mempertimbangkan aspek sosial dan kepentingan umum dalam perkara hal ini peralihan hak atas tanah.

Aktivitas bisnis transaksi kontrak merupakan salah satu penunjang Aktivitas bisnis transaksi kontrak merupakan salah satu penunjang perkembangan ekonomi. Tidaklah mengherankan kontrak yang melibatkan pihak asing dibuat di Indonesia namun ditulis menggunakan bahasa asing atau bahasa Inggris. Dengan perkembangan sebuah teknologi ini harus diiringi dengan berkembangnya peraturan-peraturan yang akan berlaku di masyarakat. Pemerintah perlu mendukung perkembangan teknologi informasi melalui infrastruktur hukum dan pengaturannya, sehingga pemanfaatan teknologi informasi dilakukan secara aman dan mencegah penyalahgunaannya dengan memperhatikan nilai-nilai yang terkandung di Indonesia. Yang kemudian muncul rumusan masalahnya yaitu; 1) Bagaimana bentuk Akta-akta Perjanjian dapat dibuat secara Billingual di Indonesia oleh dua warga negara? 2) Mengapa digital signature dapat digunakan dalam Pembuatan Akta-akta Perjanjian? 3) Bagaimana kekuatan hukum Akta-akta Perjanjian yang dibuat secara Bilingual oleh dua warga negara dengan menggunakan digital signature? Dalam menemukan jawaban atas rumusan masalahnya itu peneliti menggunakan metode pengumpulan data studi kepustakaan (library research) dan riset lapangan (field research). Hasil Penelitiannya yaitu bahwa Akta perjanjian yang dibuat dalam 2 bahasa apabila diterapkan pada Akta Perjanjian di bawah tangan dan akta Notaris kekuatan hukumnya sama dengan akta yang dibuat dalam 1 bahasa, yaitu sah dan mengikat. Dan Akta Perjanjian yang ditanda tangani secara elektronik antara Akta Perjanjian di bawah tangan dan akta Notaris memiliki kekuatan hukum yang berbeda. Kekuatan hukum Akta Perjanjian di bawah tangan yang ditanda tangani secara elektronik adalah sah dan mengikat. Sedangkan Akta Perjanjian yang disebut dengan Akta Otentik, jika ditanda tangani secara elektronik, maka akta Notaris terdegrasi menjadi akta yang dibuat di bawah tangan.

This study aims to analyze the effect of Assistance Services and Transaction Security on User Emotional Experience, with Customer Satisfaction as a mediating variable in the context of using a digital wallet (e-wallet). This study uses a quantitative approach with a causal-comparative method. Data collection was carried out by distributing online questionnaires using Google Form to 150 respondents who are active e-wallet users. The research model consists of four latent variables, each of which is measured by three reflective indicators. The data analysis technique uses the Partial Least Squares Structural Equation Modeling (PLS-SEM) method with the help of SmartPLS software, and is supported by descriptive analysis using SPSS. Validity and reliability tests are carried out through outer loading tests, Average Variance Extracted (AVE), Cronbach's Alpha, and Composite Reliability. Hypothesis testing is carried out by considering the path coefficient, t-statistic, and p-value values. The results of the study indicate that Assistance Services and Transaction Security have a significant effect on Customer Satisfaction. Assistance Services also have a direct effect on Emotional Experience, while Transaction Security does not have a direct effect on this variable. Customer Satisfaction has a significant effect on Emotional Experience, and is proven to be a significant mediator in the relationship between Assistance Service and Transaction Security on Emotional Experience.

This study examines violations of ethical commenting on the Instagram account @Pertamina, in response to a fuel-mixing corruption case that caused state losses of up to one quadrillion rupiah. The research aims to describe forms of unethical comments posted by netizens and analyze them based on Article 28 paragraph (2) of Indonesia’s Electronic Information and Transactions Law (ITE Law). A normative juridical method was used, supported by digital observation, documentation, and note-taking techniques. The results revealed 20 comment samples containing hate speech, insults, threats, and defamation. These comments not only violate digital ethics but also potentially breach Articles 28(2) and 27(3) of the ITE Law. According to Soedikno Mertokusumo's theory of legal objectives, such comments fail to uphold justice, legal certainty, and usefulness, ultimately damaging the digital public space, which should foster healthy and productive communication.

Crypto asset transactions in Indonesia have rapidly developed alongside financial technology advancements, yet they pose legal challenges concerning investor protection. Under Indonesian civil law, civil liability for investor losses may be based on Article 1243 and Article 1365 of the Civil Code, depending on whether the loss arises from a breach of contract or an unlawful act. Additionally, the Consumer Protection Act may serve as a legal basis in cases involving violations of consumer rights. However, the application of such liability encounters juridical obstacles, including the absence of specific regulations defining the legal status of crypto assets as legal objects, regulatory gaps regarding business actors’ obligations, and evidentiary difficulties due to the anonymous nature of digital transactions. In this context, regulatory reform is essential to establish legal certainty and effective investor protection. The regulation should include digital security standards, transparent risk disclosures, and dispute resolution mechanisms. Active roles of Bappebti and the Financial Services Authority (OJK) in oversight, as well as legal literacy for the public, are critical to creating a responsible and secure crypto asset trading ecosystem.

The development of information technology has driven changes in society’s transaction patterns, one of which is online transactions. Although electronic payment systems are increasingly common, the Cash on Delivery (COD) method remains popular due to its perceived safety and practicality. However, this method also raises legal issues, particularly concerning consumer protection and dispute resolution. This study aims to examine online transactions and COD payments based on the Indonesian Civil Code (KUH Perdata), as well as to analyze the dispute resolution procedures that may arise. The research method used is normative legal research with a statutory and conceptual approach. The results show that COD transactions constitute valid agreements if they meet the conditions outlined in Article 1320 of the Civil Code. However, in practice, cases of breach of contract and unlawful acts are still frequently found. Dispute resolution may be pursued through court litigation or alternative dispute resolution (ADR). In conclusion, legal protection for consumers in COD transactions needs to be strengthened through clearer and more specific regulations to ensure consumer rights remain protected.

The rapid advancement of digital technology has led to significant changes in how people conduct financial transactions, particularly the shift from cash payments to digital methods that are viewed as more efficient, faster, and safer. This study aims to analyze differences in the frequency of using three types of financial transactions cash, e-wallets, and bank transfers in daily life. A quantitative descriptive-comparative approach was applied, involving 47 respondents selected through purposive sampling. The instruments were tested for validity and reliability before analysis. Data were examined using the Friedman test to assess differences in usage frequency among the three methods. The findings show a significant difference in frequency, with e-wallets being the most used, followed by bank transfers, and then cash. These results suggest that people now prioritize convenience, speed, and accessibility in financial activities. The implications highlight the need for financial institutions and payment providers to enhance digital security systems and improve service accessibility. Small business operators are encouraged to adapt to changing consumer preferences that increasingly favor digital payments. Furthermore, improving digital financial literacy is essential to support broader financial inclusion. This study also provides recommendations for policymakers to expand access to digital financial services, especially for underserved communities.

The development of information and communication technology has changed the pattern of human interaction, which was initially done face-to-face, to digital. The positive impact of internet usage is to facilitate connection and access to information, but it can also result in negative impacts such as cybercrime. The purpose of this research is to determine the crime of cyberstalking reviewed from Law Number 1 of 2024 concerning the Second Amendment to Law Number 11 of 2008 concerning Information and Electronic Transactions (ITE). This research is normative legal research that is prescriptive and uses a statutory approach, case approach, and conceptual approach. The collection of legal materials uses literature study techniques or document studies using syllogistic analysis techniques and using deductive thinking patterns. From the research, it was found that cyberstalking can be in the form of stalking followed by sexual harassment, privacy interference and continuous threats. In addition, cyberstalking is regulated in Law Number 1 of 2024 concerning Information and Electronic Transactions. However, this law has not been clearly or specifically regulated regarding stalking in the digital realm. Therefore, we need strict regulations regarding cyberstalking crimes.

Technological advancements in the financial sector have led to various innovations, one of which is the SPayLater service, which allows consumers to make purchases using a deferred payment or installment system. In practice, this system raises various questions regarding the validity of transactions from the perspective of Islamic Economic Law, particularly in terms of compliance with the principles of sale and purchase contracts, as well as the potential presence of riba (usury) and gharar (uncertainty).This study aims to examine the validity of SPayLater transactions by analyzing the contracts used, potential violations of the principles of murabahah, ijarah, or qardh, and the extent to which this service complies with the conditions and pillars of sharia-compliant sale and purchase. The approach used is qualitative, analyzing Islamic legal literature, fatwas issued by Indonesia’s National Sharia Council (DSN-MUI), as well as case studies of SPayLater services in Indonesia. The findings indicate that SPayLater transactions have the potential to involve riba if there are non-transparent additional charges. Furthermore, late payment penalties and unclear contracts may give rise to gharar, which could render the transaction invalid under Islamic law. Therefore, it is necessary to modify the contracts to better align with sharia principles and to enhance transparency in the payment mechanisms in order to avoid elements of riba and gharar.

Penelitian ini bertujuan untuk menganalisis pencatatan akuntansi produk simpanan wadiah oleh BMT dan kesesuaiannya dengan PSAK 459 serta PAPSI, serta mengidentifikasi kendala-kendala yang dihadapi dalam penerapannya. Penelitian ini menggunakan metode deskriptif kualitatif dengan teknik pengumpulan data melalui observasi, dokumentasi, dan wawancara. Hasil penelitian menunjukkan bahwa: 1) KSPPS BMT Nusa Ummat Sejahtera Cabang Cileunyi Bandung menggunakan software IBSS dalam pencatatan akuntansi simpanan wadiah, sehingga pencatatannya menjadi lebih efektif; 2) Pencatatan akuntansi simpanan wadiah belum sepenuhnya sesuai dengan PSAK 459, terutama dalam pengakuan penerimaan, pendapatan, dan beban yang seharusnya diakui pada saat terjadinya, serta pendapatan atas pengelolaan dana yang seharusnya bukan merupakan keuntungan untuk dipublikasikan, dan pemberian bonus yang seharusnya tidak diperjanjikan sebelumnya; 3) Pencatatan juga belum sepenuhnya sesuai dengan PAPSI, khususnya dalam pengakuan beban dan pengungkapan fasilitas isimewa kepada penyimpan; 4) Kendala utama terletak pada transaksi BMT yang masih sederhana dan software IBSS yang belum terintegrasi, sehingga laporan keuangan akhir tidak lengkap dan memuat atas transaksi wadiah, terutama terkait fasilitas istimewa, belum diterapkan secara maksimal.

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.

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.

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.

This study aims to fine out how Islamic Business Ethics is applied to buying and selling transaction in Prumdam market, Bengkulu City. The purpose of this study is to explore the understanding and application of Islamic Business Ethics among traders in Traditional markets. The main issue raised was the lack of understanding of traders regarding the principles of Islamic Business Ethics and the challenges they face. The study used a qualitative method with a descriptive approach, involving structured interviews with traders who had at least five years of experience in the Prumdam Morning Market. The results of the study show that some of the traders have understood the importance of honesty and Amanah in transactions, however there are some traders who are not effective in communicating the quality of the goods they sell, which reflects the lack of awareness of Islamic Business Ethics principles. Therefore, there is a need for better education and socialization to traders about Ethical values ​​which are the foundation in doing business.

Penelitian ini bertujuan untuk menganalisis implementasi dan efektivitas penggunaan HPAI Sales Integrated Sistem (HSIS) dalam pencatatan transaksi sederhana pada Business Center (BC) Halalmart HNI Sidoarjo 2. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus, mengumpulkan data melalui observasi langsung, wawancara semi-terstruktur dengan pengelola dan staf, serta analisis dokumen terkait penggunaan HSIS. Hasil penelitian menunjukkan bahwa implementasi HSIS memberikan dampak positif signifikan dalam meningkatkan efisiensi operasional, akurasi data, dan transparansi proses bisnis. Sistem ini terbukti user-friendly dan mudah diadaptasi oleh pengguna, dengan fitur-fitur terintegrasi yang mencakup pencatatan transaksi, manajemen inventaris, dan pelaporan real-time. HSIS berhasil mengotomatisasi proses pencatatan transaksi, mengurangi human error, dan memberikan dukungan yang kuat untuk pengambilan keputusan manajemen melalui fitur analytics dan reporting. Namun, penelitian juga mengidentifikasi beberapa tantangan, terutama ketergantungan tinggi pada konektivitas internet, kebutuhan pelatihan pengguna untuk fitur-fitur advance, dan perlunya adaptasi proses bisnis dari sistem manual ke digital. Kesimpulan penelitian menunjukkan bahwa HSIS efektif meningkatkan efisiensi waktu operasional dan kepuasan pelanggan, namun memerlukan langkah mitigasi untuk mengatasi tantangan teknis guna memastikan kontinuitas operasional yang optimal.

This study aims to enhance digital security literacy among Dompet Digital users. With the growing adoption of Dompet Digitals offering transactional convenience, digital security risks have also risen, especially among users with limited data protection awareness. The educational program focuses on introducing digital security risks, such as phishing, malware, and social engineering, along with providing protective strategies like two-factor authentication (2FA) and avoiding unsecured public Wi-Fi networks. The methods employed include socialization sessions, seminars, and workshops designed to build Dompet Digital users’ awareness in safeguarding their accounts. The program results indicate a significant increase in users' awareness and practical skills in identifying risks and implementing security measures. Additionally, users are expected to act as change agents, spreading this knowledge within their communities. Regular educational initiatives and collaboration with Dompet Digital providers are also recommended as ongoing steps to maintain digital security.

This study discusses criminal liability for perpetrators of online gambling crimes based on Law Number 19 of 2016 concerning Electronic Information and Transactions (ITE Law) from the perspective of Indonesian criminal law. The research employs a normative juridical approach with a case study method on Decision Number 628/PID.B/2023/PN Sleman. The defendant was proven to have knowingly distributed and disseminated links to online gambling sites via social media, as well as obtained financial gain from these activities. Based on the judge’s decision, the defendant was sentenced to 1 year and 8 months in prison and fined IDR 250,000,000. The results indicate that the application of Article 27 paragraph (2) in conjunction with Article 45 paragraph (2) of the ITE Law is in accordance with the principles of criminal liability, including the elements of fault (mens rea) and unlawful acts (actus reus). Nevertheless, challenges remain in law enforcement against online gambling, particularly regarding sites operating abroad and the low level of public legal awareness. The recommendations provided include a more comprehensive legal approach to enhance the effectiveness of combating online gambling in Indonesia.

The development of the digital economy in Indonesia drives the need for a transparent and efficient transaction system. Blockchain technology is present as a creative answer to this challenge, through distributed and unmodifiable transaction recording. This study uses a literature study method by reviewing various scientific literature related to the role of blockchain in increasing transparency and security of digital transactions. The results of the study state that blockchain can strengthen the digital economy ecosystem by increasing public trust, data protection, and operational efficiency, especially in the financial and MSME sectors. However, the implementation of this technology still faces obstacles such as limited regulations, infrastructure, and digital literacy. Therefore, this study recommends a strategy for developing a blockchain-based digital economy platform through a decentralized architecture approach, smart contract integration, digital identity protection, regulatory compliance, and public education.