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Andy Hermawan; Joni Apriyanto; Ahmad Yusuf Malik; Imam Himawan

Nusantara Mengabdi Kepada Negeri 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

The rapid development of information technology has encouraged various educational institutions, including non-formal education providers, to utilize digital media as an effective means of information dissemination and communication with the wider community. Taman Pendidikan Al-Qur’an (TPQ) Jabal Annur, located in Tambun Selatan, Bekasi Regency, still experiences limitations in delivering information to the public due to the absence of a website-based information medium. Currently, information related to the institutional profile, learning activities, schedules, and official announcements is conveyed through conventional methods, which are less effective and have limited reach. Therefore, this community service activity aims to assist TPQ Jabal Annur in developing a simple, functional, and accessible information website using HTML and CSS, as well as deploying it through the GitHub Pages platform. The implementation method consists of several stages, including initial observation to identify partner needs, website interface and content design, website development, and implementation and deployment. The result of this activity is an official TPQ website that can be accessed online and functions as a centralized information medium for students, parents, and the surrounding community. The availability of this website is expected to enhance the effectiveness, accuracy, and accessibility of information delivery, as well as to support the digital transformation process in non-formal religious education institutions in adapting to the demands of the digital era.

Citra Olii; Melizubaida Mahmud; Kasim, Mamang; Hafid, Radia; Gani, Imam Prawiranegara

International Journal of Economic, Social and Development Sciences 2025 International Forum of Researchers and Lecturers

This study aims to describe relevant digital marketing strategies to improve the competitiveness of the Rafika Dompo Banana MSME in Soguo Village, Bolaang Uki District, South Bolaang Mongondow Regency, and analyze the supporting and inhibiting factors in implementing these strategies. This study uses a qualitative approach with a case study method. Data collection was conducted through observation, in-depth interviews with the owner, employees, and consumers, and documentation. The data analysis technique used a narrative inquiry model. The results of the study indicate that the digital marketing implementation of the Rafika Dompo Pisang MSME is still at a basic stage, utilizing WhatsApp and Facebook organically with simple content managed directly by the owner. Limited digital knowledge, minimal paid promotion budget, and suboptimal utilization of marketplace platforms are the main obstacles. Nevertheless, promotion through social media has been proven to increase product visibility and reach consumers. Supporting factors include maintained product quality, government support for licensing, and consignment collaboration. Consumer perception of the product is very positive, and existing digital promotions are considered to assist in purchasing decisions. In conclusion, the implemented digital marketing strategy is still simple but has a positive impact. Increasing competitiveness requires strategy optimization through increased digital literacy, platform diversification, and more planned resource allocation.

Tia Nurazizah; Dea Safitri; Dini Selasi

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the digital marketing strategies implemented by Islamic fintech platforms to enhance their competitiveness in the Islamic financial sector. The research is motivated by the rapid development of financial technology, which has significantly influenced consumer behavior and reshaped financial institutions’ business models, including those operating under Islamic principles. Despite this growth, Islamic fintech faces challenges in strengthening its brand image, user trust, and customer loyalty amidst the dominance of conventional fintech players. The study adopts a qualitative descriptive approach using case studies of selected Islamic fintech platforms such as Ammana, Ethis, and Investree Syariah. Data were collected through documentation, online interviews, and analysis of financial reports and official websites. The data were analyzed using the SWOT framework to identify the strengths, weaknesses, opportunities, and threats of current digital marketing strategies. The findings indicate that the use of social media, collaboration with Muslim influencers, and educational content about halal finance serve as key strategies for expanding market reach and building user trust. Consistent and Sharia-compliant digital marketing efforts have proven effective in enhancing brand awareness, customer loyalty, and Islamic financial inclusion. The implications of this research suggest that digital marketing is not merely a promotional tool but a strategic instrument to strengthen competitiveness and expand the global presence of Islamic fintech. With supportive regulations and improved digital literacy, Islamic fintech has the potential to become a driving force in transforming the Islamic financial ecosystem in the digital era.

Sajida, Sajida; Prasetya, Gregorius Christian Yoga; Farrel, Muhammad Arka Dito Al

Pemberdayaan Masyarakat: Jurnal Aksi Sosial 2025 Lembaga Pengembangan Kinerja Dosen

The rapid expansion of digital technologies has intensified financial misinformation and disinformation, particularly through illegal online loans and online gambling targeting communities with limited digital and financial literacy. This community engagement program in Dusun Munggur, Girimulyo Village, aimed to strengthen residents’ ability to identify and respond to deceptive digital practices through contextualized education on risk indicators, manipulative design strategies, and verification methods. Using a three-hour interactive socialization combining visuals, discussion, and a short comprehension exercise, the program improved participants’ understanding of how fraudulent financial schemes operate and how personal data, behavioral triggers, and algorithmic amplification are exploited. Participants demonstrated greater awareness of suspicious platforms, increased confidence in evaluating online offers, and requested sustained resources such as booklets and reporting guides for household- and community-level prevention. Although effective in raising immediate awareness, the intervention was limited by the lack of long-term behavioral assessment and the rapidly evolving nature of digital fraud. The program underscores the importance of community-centered, preventive literacy to mitigate digital financial risks in rural Indonesia.

Khasan Safik; Khasan Safik; Hani Hasanah; Laras Annisa Ulfitri Nedi

EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS 2025 LPPM Universitas Sains dan Teknologi Komputer

The development of digital technology has driven major changes in global marketing strategies, particularly in the luxury smartphone industry, where competition is not only based on technological features but also on brand image and exclusivity. This study aims to systematically analyse various digital marketing strategies implemented by luxury smartphone brands using a Systematic Literature Review (SLR) approach. In this study, researchers identified, evaluated, and synthesised 70 related articles, which were filtered into 15 main articles based on inclusion and exclusion criteria between 2020 and 2025. The analysis results indicate that digital marketing strategies such as influencer marketing, search engine optimisation (SEO), visual content on social media, and the use of augmented reality (AR) and virtual reality (VR) technology have proven effective in increasing brand awareness, customer loyalty, and sales conversions. However, the research also reveals the main challenges faced by companies in maintaining exclusivity and premium experiences through digital channels that are mass-market and open in nature. The study recommends that luxury smartphone brands integrate data-driven personalisation approaches and build strong, authentic brand narratives across various digital platforms to maintain their competitive position in the premium segment. The practical implications of this research can serve as a reference for marketers and decision-makers.

Ramdani Ramdani; Irvana Arofah

Algoritma : Jurnal Matematika, Ilmu pengetahuan Alam, Kebumian dan Angkasa 2025 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

The development of information technology in the era of globalization continues to accelerate. This has brought significant changes in various fields, one of which is online business, namely e-commerce. This study aims to analyze competition and provide optimal strategies for Shopee and Tokopedia in addressing their dependence on subsidies and large-scale discounts, so that both platforms can remain competitive effectively without experiencing a decline in profit margins. The research method used is a quantitative approach with a survey research method. The data used is primary data analyzed using Game Theory with Pure Strategy, Mixed Strategy, and Linear Programming. The results show that Shopee obtained optimal strategies for Price (proportion 0.3568) and Product Completeness (proportion 0.6427). Meanwhile, Tokopedia obtained optimal strategies for Promotion (proportion 0.3568) and Product Completeness (proportion 0.6427). The implication of this study is that companies can use the optimal strategies obtained to overcome their dependence on subsidies and large-scale discounts, which result in declining profit margins for both platforms.

Sajida, Sajida; Prasetya, Gregorius Christian Yoga; Farrel, Muhammad Arka Dito Al

Pemberdayaan Masyarakat: Jurnal Aksi Sosial 2025 Lembaga Pengembangan Kinerja Dosen

The rapid expansion of digital technologies has intensified financial misinformation and disinformation, particularly through illegal online loans and online gambling targeting communities with limited digital and financial literacy. This community engagement program in Dusun Munggur, Girimulyo Village, aimed to strengthen residents’ ability to identify and respond to deceptive digital practices through contextualized education on risk indicators, manipulative design strategies, and verification methods. Using a three-hour interactive socialization combining visuals, discussion, and a short comprehension exercise, the program improved participants’ understanding of how fraudulent financial schemes operate and how personal data, behavioral triggers, and algorithmic amplification are exploited. Participants demonstrated greater awareness of suspicious platforms, increased confidence in evaluating online offers, and requested sustained resources such as booklets and reporting guides for household- and community-level prevention. Although effective in raising immediate awareness, the intervention was limited by the lack of long-term behavioral assessment and the rapidly evolving nature of digital fraud. The program underscores the importance of community-centered, preventive literacy to mitigate digital financial risks in rural Indonesia.

Rossa Rikha Putri Rachim; Sabrina Sofi Qadirfa

Jurnal Pengabdian Kepada Masyarakat 2025 Pusat Riset dan Inovasi Nasional

Parenting communication literacy is a fundamental competence that influences children’s growth in cognitive, emotional, and social domains. Initial findings at Posyandu Teratai, South Tangerang, revealed that many mothers still relied on authoritarian and less dialogical communication, which limited children’s confidence and engagement. In response, the Community Service (PKM) team of Universitas Pamulang implemented a program entitled Optimizing Parenting Communication Literacy through Digital Media. The activities were designed using participatory strategies such as lectures, interactive group discussions, simulation exercises, and the dissemination of digital learning materials in the form of modules and videos. The program outcomes demonstrated considerable improvement in mothers’ knowledge and attitudes toward positive communication practices, including the ability to listen actively, provide encouragement, and employ digital platforms as continuous learning resources. Furthermore, the integration of digital tools enabled mothers to access and exchange information beyond formal training sessions. The broader impact of the program was the establishment of a collaborative learning community at Posyandu, which not only supported families in applying positive parenting approaches but also reinforced community-level awareness of effective communication in child-rearing.

Hana Olivia Marpaung; Yessi Sherly Abigail Ambarita; Alya Saqinah; Dian Marisha Putri

Jurnal Riset Rumpun Ilmu Bahasa 2025 Pusat riset dan Inovasi Nasional

This study delves into the linguistic and ideological dimensions of cyberbullying discourse directed at TikTok creator Putri Padang within the framework of Critical Discourse Analysis (CDA). In Indonesia’s digital landscape, TikTok has become one of the prominent platform for self-expression and cultural performance, yet it also serves as a site for public shaming and moral policing. Drawing on Fairclough’s (1995) three-dimensional model, this qualitative research analyzes fifty hate comments collected from several TikTok videos featuring Putri Padang to uncover how language reproduces power relations and cultural ideologies. The findings reveal that hate comments are not random acts of aggression but structured discursive practices characterized by repetition, labeling, and moral judgment. Linguistic strategies such as mockery, objectification, and intertextual humor—exemplified by terms like “muka kotak” and “Adudu”—function as mechanisms of symbolic domination, reinforcing gendered and regional hierarchies. Moreover, the comments often invoke patriarchal values and cultural authenticity to moral criticism, positioning the target as a violator of feminine and cultural norms. The research contributes to cyber-discourse studies by extending into multimodal contexts and emphasizing the need for culturally grounded approaches to online gender-based violence.

Muhamad Aziz Zulkifli; Siti Napisah; Bagas Olanda; Andini Fahyuni

FUNDAMENTUM : Jurnal Pengabdian Multidisiplin 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

his community service activity was carried out in Sukajaya Village, Pulau Besar District, Bangka Selatan Regency on August 15, 2025, aiming to enhance the capacity of Micro, Small, and Medium Enterprises (MSMEs) to level up through strengthening business legality and marketing strategies. The main problems faced by local MSMEs are the lack of understanding regarding the importance of Business Identification Numbers (NIB), limited awareness of trademark protection, and insufficient knowledge of modern marketing strategies. The activity was implemented using a participatory approach through counseling, group discussions, and hands-on practices, including NIB registration, introduction to trademark protection procedures, and digital marketing training. The results show an increased understanding and awareness among MSME actors regarding the importance of business legality for accessing financing and cooperation, better legal awareness of trademark protection as a product identity, and basic skills in utilizing social media and digital platforms as marketing tools. These outcomes demonstrate that the activity significantly contributes to strengthening MSME capacity in Sukajaya Village to become more competitive and contribute to local economic development.

M. Aldhe Vishal; Alrizka Hairi Dilfa

Abstrak : Jurnal Kajian Ilmu seni, Media dan Desain 2025 Asosiasi Seni Desain dan Komunikasi Visual Indonesia

This study aims to analyze the use of social media as a means of regenerating Minangkabau traditional music among the younger generation through the role of traditional music content creators. The background of this research stems from the declining interest of young people in traditional music due to the dominance of popular culture and modernization. However, the emergence of content creators who utilize digital platforms such as YouTube, TikTok, and Instagram has opened new opportunities for the preservation of traditional music. This study employs a descriptive qualitative approach with data collected through in-depth interviews, observations, and documentation of several Minangkabau music content creators. The results show that social media plays a crucial role in the regeneration process of traditional music through three main functions: information (promotion), interaction, and motivation. By presenting engaging visuals, combining traditional music with modern elements, and encouraging interactive audience participation, social media effectively attracts young people to learn and appreciate traditional music. In addition, regeneration is the process of inheriting cultural values ​​through efforts to maintain the sustainability of performing arts by adapting the presentation methods and performance spaces to suit the times, so that traditional arts remain acceptable to modern society.

Kushi Alifia Pratiwi; Bayu Rama Laksono

International Journal of Economics and Management Sciences 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study investigates the impact of equity crowdfunding on significant infrastructure projects in Indonesia, with a focus on those that fall under the regulatory framework outlined in POJK No. 37/POJK.04/2018. It addresses the following research question: How does equity crowdfunding contribute to Indonesia's infrastructure financing? Its narrow focus on the use of crowdfunding for infrastructure fills a gap in the literature, which often lacks empirical research unique to Indonesia. Using a mixed-method approach that combines qualitative insights from stakeholder interviews with quantitative analysis of crowdfunding data, the study finds that although equity crowdfunding has the potential to mobilize capital for infrastructure, obstacles include investor protection, regulatory compliance, and project scalability. The study emphasizes the crucial role of regulatory frameworks and specially designed financial products in determining the outcomes of crowdfunding. In the end, the study recommends changing policy to create an atmosphere that is favorable to crowdfunding, improving financial, and aiding Indonesia's sustainable development goals.

Ryan Rudyarta; Fikri Ardiyansyah; Moh Ibrohim; Bella Nanda Ardhya

International Journal of Humanities and Social Sciences Reviews 2025 Asosiasi Penelitian dan Pengajar Ilmu Sosial Indonesia

Digital transformation is reshaping the way economic value is created, exchanged, and governed across borders. This study aims to analyze how digital transformation redefines the paradigm of business law in the era of globalization, as well as the interaction between business law and global regulatory politics in responding to the challenges of the digital economy. A normative legal approach is employed, grounded in the analysis of digital business law regulations within the global political-economic system. Data is collected through literature review of statutory frameworks, international policy instruments, and scholarly works. The findings reveal that digital transformation not only changes how transactions are conducted, but also reconfigures the locus of economic power through the control of data, algorithms, and digital platform infrastructure. Consequently, the legal paradigm shifts from merely regulating market actors’ behavior to designing a digital justice architecture that emphasizes accountability, algorithmic transparency, interoperability, and contestability. At the global level, the interaction between business law and digital regulatory politics reflects ongoing tensions between market openness and data sovereignty producing regulatory pluralism while simultaneously encouraging convergence toward principles of fair, adaptive, and responsive digital governance. This study concludes that business law in the digital era must serve not only as a regulatoryinstrument governing transactions, but as an architect of the global economic order one that safeguards innovative growth without compromising market fairness and fundamental rights, while enabling the strengthening of adaptive national regulatory frameworks aligned with evolving global dynamics.

Wijaya, Cantika Khaerunnisa; Penna, Muhammad Ali Isa; Rohbiah, Tatu Siti

Jurnal Kajian Ilmu Pendidikan, Bahasa dan Komunikasi 2025 Asosiasi Periset Bahasa Sastra Indonesia

This research explores how people use assertive speech acts in the comment section of a YouTube video titled “Democratic Candidates Debate: Education,” which was uploaded by ABC News. A qualitative method with content analysis is employed to examine how users share their thoughts, express agreement or disagreement, and participate in online discussions through assertive language. The data were collected from selected comments posted between 2019 and 2020, particularly those reacting to the candidates’ views on education. The analysis applies Searle’s speech act theory, focusing on seven types of assertive speech acts: claiming, stating, reporting, describing, informing, complaining, and concluding. A total of 24 assertive utterances were identified, with the following distribution: claiming (11), reporting (3), complaining (4), stating (2), informing (2), describing (1), and concluding (1). Among these, "claiming" appeared most frequently, indicating that many users shared strong opinions or support, especially for Andrew Yang’s stance on education. Overall, the findings suggest that YouTube serves not only as a platform for viewing content but also as a space where people actively engage in discussions, express their beliefs, and respond to public issues through language.  

Agnesia Gian Marcheren; Agnesia Gian Marcheren; Lie Othman

EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS 2025 LPPM Universitas Sains dan Teknologi Komputer

The purpose of this study is to determine the influence of dimensions affiliate marketing (messenger, message, And environment) to behaviorimpulse buyingstudents on the productfashion and beauty Of platformTikTok. The research method used was a quantitative explanatory method, with data collection techniques in the form of a questionnaire answered by 96 respondents. Respondents were determined using the techniquepurposive samplingThis study uses analysis such as validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression, t test, F test and coefficient of determination test (R2).2). Based on the analysis that has been carried out, the results obtained are thatmessenger, message, And environmenthas a positive and significant effect on impulse buying students on the productfashion and beauty Of platformTikTok partially and simultaneously

Riani Winarni; Riani Winarni; Wahyu Akbar, Tri Sanatha; Jaya, Umban Adi; Galih Raspati +1 more

EBISNIS : JURNAL ILMIAH EKONOMI DAN BISNIS 2025 LPPM Universitas Sains dan Teknologi Komputer

Penelitian ini mengeksplorasi dinamika integrasi strategis antara pemasaran digital dan manajemen keuangan pada Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia dalam konteks transformasi digital. Melalui pendekatan library research dengan orientasi eksploratori-deskriptif, studi ini menganalisis secara komprehensif berbagai sumber primer terkini yang membahas fenomena adopsi teknologi digital dan implementasi manajemen keuangan pada UMKM Indonesia periode 2019-2024. Hasil penelitian mengidentifikasi bahwa meskipun terdapat kesadaran substansial terhadap urgensi transformasi digital di kalangan pelaku UMKM, variasi signifikan teridentifikasi dalam tingkat adopsi dan optimalisasi teknologi digital—dengan platform media sosial seperti Instagram, TikTok, dan Facebook menjadi instrumen dominan dalam strategi pemasaran. Dalam dimensi manajemen keuangan, literasi finansial dan implementasi sistem pencatatan terdigitalisasi terungkap sebagai determinan fundamental bagi keberlanjutan operasional. Interelasi antara pemasaran digital dan manajemen keuangan termanifestasi dalam adopsi sistem pembayaran digital, pengelolaan konten strategis berbasis efisiensi finansial, dan standardisasi proses bisnis terintegrasi. Model pengembangan kapasitas yang direkomendasikan mencakup pelatihan komprehensif, pendampingan berkelanjutan, kolaborasi ekosistemik, standardisasi proses, dan integrasi strategi mitigasi risiko. Implikasi strategis dari integrasi ini meliputi optimalisasi alokasi sumber daya, penguatan kapasitas pengambilan keputusan berbasis data integratif, konstruksi model bisnis responsif, peningkatan keberlanjutan finansial, dan akselerasi skalabilitas bisnis. Temuan ini berkontribusi pada pengembangan kerangka konseptual tentang transformasi digital UMKM dalam konteks negara berkembang dan menyediakan landasan empiris bagi formulasi kebijakan dan strategi bisnis yang memperkuat daya saing UMKM Indonesia di era digital.

Arief Fahmi Lubis

Kajian ilmu Hukum, Sosial dan Administrasi Negara 2025 Lembaga Pengembangan Kinerja Dosen

This paper examines the anatomy of extremism in Pakistan by analyzing its ideological, socio-economic, and geopolitical dimensions, as well as assessing the efficacy of the state’s counter-extremism responses. Extremism in Pakistan has evolved from sectarian and jihadist origins into a multidimensional threat fueled by ideological radicalization, socio-economic disparity, digital propaganda, and regional instability following the Taliban’s resurgence in Afghanistan. Despite significant tactical successes through military operations such as Zarb-e-Azb and Radd-ul-Fasaad, the state’s strategy remains constrained by weak policy coordination, limited ideological reform, and insufficient civilian engagement. The paper argues that Pakistan’s counter-extremism framework must move beyond reactive security measures toward proactive socio-political transformation. It proposes a reimagined strategic approach centered on five pillars: (1) reframing the National Action Plan (NAP 2.0) with stronger institutional coordination, (2) comprehensive education and madrassa reforms, (3) youth engagement and socio-economic reintegration, (4) digital resilience to counter online radicalization, and (5) regional cooperation through multilateral platforms such as the SCO. The study concludes that enduring resilience against extremism requires a whole-of-nation approach that integrates ideological pluralism, governance reform, and regional diplomacy to transform Pakistan’s counter-extremism policy from containment to long-term stability and inclusive national identity.

Agung Parasetia; Andini Putri Lstari; Elok Anjelika; Sitti Wardaniah; Yohanes Ari Kuncuroyakti

Bridge : Jurnal Publikasi Sistem Informasi dan Telekomunikasi 2025 Asosiasi Profesi Telekomunikasi Dan Informatika Indonesia

This research is inspired by the extraordinary success of the domestic animated film titled Jumbo, which managed to set a new record and trigger a wave of overwhelmingly positive sentiment responses on the Instagram social media platform. Its main focus is to provide a deep qualitative interpretation of audience sentiment data that was previously collected and quantitatively evaluated by Prasetia (2025) from 764 original comments, which were then filtered down to 221 samples. The approach applied involves secondary data analysis by reviewing the frequency of Prasetia's data through the lens of social identity theory and collective efficacy theory. The results of the analysis reveal that the prevalence of positive sentiment at 68.7% does not merely reflect a simple evaluation of the film but also serves as a fundamental expression of shared pride and in-group preference. Expressions of support that emphasize appreciation for the achievement and national pride over the work of local creators act as a tool for strengthening social bonds, reinforcing the national identity linked to achievements in the film sector while also demonstrating the audience's collective belief in the potential of the domestic animation industry (mastery experience). Practically, the recommendation for local film promotion strategies is to highlight narratives about shared accomplishment and national pride to build audience loyalty and continuous interaction in the digital environment.

Agustian Rosa Fajri; Anzu Elvia Zahara; Muthmainnah Muthmainnah

Jurnal Inovasi Ekonomi Syariah dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The implementation of online zakat payments by BAZNAS Jambi Province faced several challenges, including suboptimal use of the Simba application due to system errors. Additionally, there was a lack of public trust in online zakat payments, insufficient public literacy on the matter, and inadequate socialization and education from BAZNAS Jambi regarding the online payment process. This study used a qualitative descriptive approach, with data collection via interviews. To optimize digital zakat management, BAZNAS Jambi implemented a strategy involving both their website and the SIMBA system, offering two digital payment options: transfers and QRIS codes. They also pursued partnerships with companies and promoted zakat payments through social media platforms such as YouTube, TikTok, Facebook, Google Ads, Meta Ads, as well as TVRI and RRI television. However, there were challenges, including human resource limitations at BAZNAS Jambi, which resulted in delays when verifying factual data. Additionally, high IT operational costs limited the effectiveness of SIMBA and the website. The coordination issues, including both functional and institutional coordination, were also identified as significant problems. To address these challenges, BAZNAS Jambi has been working on solutions such as community education, socializing zakat management with the public and local government agencies (OPDs), and improving internal coordination.         

Anggita Lailatun Ni’mah; Bintang Afifah Nailah; Dyah Hayu Woro; Aldi Rizal Syahputra

Desentralisasi : Jurnal Hukum, Kebijakan Publik, dan Pemerintahan 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

The development of the digital economy in Indonesia has driven various innovations in the financial services sector, including online lending services (PINJOL) and digital financial platforms. This phenomenon presents both opportunities and challenges for the national financial supervisory system. The Financial Services Authority (OJK), as the institution authorized to regulate and supervise financial services, is required to adapt its role to these dynamics. This study aims to examine the institutional challenges faced by the OJK in carrying out its supervisory function over online lending services and digital financial services in Indonesia. The methods used in this research are normative juridical, with a statute approach, legal theory and institutional theory (Conceptual approach), case approach, and a comparison of fintech supervisory models with those of other countries (Comparative approach). The results of this study are expected to provide an understanding of the OJK's institutional challenges and serve as evaluation material for formulating future digital financial supervisory policies.