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Ranti Fortuna Pertiwi

Jurnal Pengabdian dan Perubahan Sosial 2026 Lembaga Pengembangan Kinerja Dosen

In the digital era and free market, technology is growing rapidly. Consumers and businesses are now more inclined to use digital transactions rather than face-to-face cash transactions. This study aims to find solutions and receive feedback related to the implementation of the Consumer Protection Law in the Digital Era and Free Market. The method used in this activity is through counseling and discussion. From the results of this activity, it was concluded that Law No. 8 of 1999 concerning Consumer Protection needs to be updated immediately as it is no longer relevant to the current digital technology, which has advanced far and is different from the conditions in 1999 when the consumer protection law was issued. The results of this activity indicate that the Consumer Protection Law No. 8 of 1999 requires comprehensive updates to accommodate the development of digital transactions, personal data protection, and consumer rights in cyberspace. Furthermore, the importance of educating consumers about their rights in digital transactions is also a key focus, so that the public can avoid losses resulting from unsafe online transactions.

Aguk Nugroho; Vivin Astharyna Harysart; Armaya Mangkunegara; Marwan Marwan; Achmad Wildan Dimyati +2 more

Jurnal Pengabdian Kepada Masyarakat 2026 Pusat Riset dan Inovasi Nasional

The rapid development of information technology has increased the use of online lending services, including illegal platforms that impose excessive interest rates, misuse personal data, and employ intimidating debt collection practices. Limited legal and digital literacy has made communities more vulnerable to these risks. This Community Service Program aims to enhance the understanding of residents in Kradenan Village, Tuban Regency regarding the characteristics of illegal online loans, their social, economic, and psychological impacts, and the relevant legal protections under regulations such as the Electronic Information and Transactions Law, the Personal Data Protection Law, and OJK Regulation No. 77/2016. Through participatory legal education and interactive discussions, the program achieved full participation and improved participants’ knowledge by up to 75%. Residents became more capable of identifying illegal loan applications, recognizing data misuse risks, and understanding preventive measures and available legal remedies. This program effectively increased public awareness to use digital financial services more responsibly and avoid the dangers of illegal online lending.

Afrizal Ibnu Saputra

Proceeding of the International Conference on Economics, Accounting, and Taxation 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study maps the regulatory landscape of financial technology (fintech), focusing on cryptocurrency regulation at both global and Indonesian levels. Cryptocurrency, one of the fastest-growing fintech instruments, functions as a virtual currency secured by cryptography. Despite lacking physical form, it is widely used for investment, transactions, and speculation, with trust supported by blockchain’s transparency and immutability. However, regulatory frameworks remain fragmented across countries. The research applies a bibliometric approach, using Bibliometrix (R Studio) for descriptive analysis and VosViewer for keyword network visualization. Data were retrieved from Scopus with the keywords “cryptocurrency regulation” and “fintech regulation,” covering 2016–2025. Findings reveal 1,178 documents from 484 sources, contributed by 4,693 authors, with an average of 7.43 authors per document and an international collaboration rate of 24.79%. The annual growth rate reaches 44.31%, with an average of 14.01 citations per document. Keyword analysis identifies four main clusters: financial regulation, green finance and sustainability, decentralized finance (DeFi), and blockchain cybersecurity. This study provides a knowledge map of regulatory evolution from conventional finance to blockchain-based fintech, offering insights for academics, regulators, and industry to balance innovation, consumer protection, and financial stability.

Muhammad Khaidir Kahfi Natsir; Dwight Nusawakan; Annisa Fitriah Mudassir; Abdul Malik Mufty

Jurnal Pengabdian dan Keberlanjutan Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

Strengthening the capacity of Micro, Small, and Medium Enterprises (MSMEs) is a crucial step in enhancing competitiveness and sustainability in Indonesia, especially in rural areas such as Doyo Baru Village. Many MSME actors in this village face difficulties in understanding and fulfilling the legal aspects and permits required to operate their businesses legally and effectively. This research aims to provide comprehensive legal assistance to MSME actors, focusing on understanding regulations, licensing processes, and consumer rights. The methodology used in this research is a participatory approach that includes training, group discussions, and individual consultations. The results of this activity show a significant increase in the understanding of legal and licensing aspects among MSME actors, with 80% of participants reporting improved knowledge and confidence in facing legal challenges. Additionally, participants have started to apply the knowledge gained in their daily practices, such as business registration and consumer protection. The conclusion of this research emphasizes the importance of ongoing support for MSMEs to adapt to regulatory changes and improve their competitiveness in the market. It is hoped that this legal assistance program can serve as a model for other regions in efforts to empower MSMEs.

Donny Setha

Jurnal Pengabdian dan Solidaritas Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

The development of digital technology has brought about significant changes in people's transaction patterns, particularly with the increasing use of online platforms for buying and selling. This phenomenon provides convenience for consumers and merchants, but is also accompanied by a high rate of online fraud experienced by both consumers and merchants. This fraud can take the form of fraudulent transactions, goods not received, or identity fraud. Low public legal literacy regarding rights and obligations in digital transactions is one of the main causes of weak legal protection for fraud victims. Many consumers and merchants are unaware of their rights and the legal procedures to take when experiencing fraud. This community service activity aims to increase the legal understanding of the public, especially online merchants and consumers, regarding digital consumer protection and legal fraud handling mechanisms. The activity implementation methods included interactive legal counseling, distribution of closed-ended questionnaires, case study simulations, Q&A discussions on legal issues, and light consultations. A total of 60 respondents, consisting of 30 merchants and 30 consumers, participated in the closed-ended questionnaire. The results showed that the majority of participants did not fully understand their rights in digital transactions and were unaware of the legal procedures to take when experiencing fraud. Despite this, participant interest in legal education was very high, with over 75% stating they wanted further legal assistance. This activity is expected to provide the public with better insight into their rights and obligations in digital transactions, as well as raise awareness of the importance of legal protection in the digital age. This is expected to make the public more vigilant and protected from potential online fraud in the future. Furthermore, increased legal literacy is expected to create a safer and more trustworthy digital transaction ecosystem for all parties.

Priskila Margaretha; Nyi Mekar Saptarini

Jurnal Riset Ilmu Farmasi dan Kesehatan 2025 Asosiasi Riset Ilmu Kesehatan Indonesia

Indonesia, as the country with the largest Muslim population in the world, has a significant demand for halal products, including pharmaceuticals. Halal certification serves not only as a regulatory compliance requirement but also as a strategic tool to build consumer trust, ensuring that products meet both religious and quality standards. This article aims to descriptively examine the process and challenges of preparing for halal certification in the pharmaceutical industry, focusing on the evaluation of active pharmaceutical ingredients (APIs) and excipients. The study is based on firsthand experience during a pharmacist professional practice (PKPA) at a national pharmaceutical company. Key areas of focus include material flowchart analysis, identification of critical non-halal points, and the implementation of the Halal Product Assurance System SJPH, in line with Indonesian halal regulatory frameworks. The findings highlight the importance of systematically identifying critical points, especially in evaluating the origin and status of materials such as alcohol, enzymes, and activated carbon, which frequently raise concerns in halal compliance. Furthermore, successful implementation requires comprehensive documentation, revision of standard operating procedures (SOPs), and staff training to ensure traceability and consistency throughout the supply chain. Collaboration with the Indonesian Ulema Council (MUI) and the Halal Product Assurance Organizing Agency (BPJPH) is also vital for technical guidance and certification processes. The study concludes that a structured and integrated approach to halal assurance not only facilitates certification but also enhances operational quality and market competitiveness. This study is expected to provide practical insights for pharmaceutical industries in effectively and sustainably implementing halal regulations, contributing to broader consumer protection and industry accountability.

Mahabatul Hasanah; Siti Fatimatuzzahra; Nor Latifah

Jurnal Riset Ilmu Farmasi dan Kesehatan 2025 Asosiasi Riset Ilmu Kesehatan Indonesia

Drug packaging not only serves as a protective barrier for pharmaceutical products but also functions as a strategic element in conveying information and ensuring consumer rights. This study is a literature review of five journals that discuss packaging innovation, legal aspects of labeling, consumer protection, and packaging design from both technological and regulatory perspectives. The aim of this study is to compare the dimensions of innovation, information, and protection in drug packaging. A narrative review method with a qualitative descriptive approach was used. The results show that innovations such as the use of adsorbent plastic and efficiency in packaging systems significantly affect product stability and production speed. Meanwhile, the inclusion of composition details and halal labeling on packaging serves as a form of consumer protection from health risks and rights violations. It is concluded that a multidimensional approach to drug packaging is essential in creating a pharmaceutical distribution system that is efficient, safe, and ethical.

Vina Aprilia; Nur Lailatul Maghfiroh; Salsabila Dhiya Atik; Nabyla Qutrun Nada; Alfan Hermawan +6 more

Jurnal Riset Ilmu Farmasi dan Kesehatan 2024 Asosiasi Riset Ilmu Kesehatan Indonesia

Health is the main capital for the growth of the nation's life.  The development of trade is currently experiencing very rapidprogress, which occurs not only in the goods traded but also in the buying and selling transactions themselves.  One very important component of health is the availability of medicines as part of public health services.  This research aims to find out about the distribution of drugs without a distribution permit and consumer protection in terms of monitoring and taking action against drugs without a distribution permit that are sold online by the Food and Drug Supervisory Agency and the Ministry of Communication and Information.  The results of the research show that the Food and Drug Supervisory Agency has made various efforts to protect the public from drugs without distribution permits that are sold online, in handling the circulation of drugs sold online, the Food and Drug Supervisory Agency collaborates with Interpol and other government agencies such as the Ministry of Communication and  Informatics carries out Operation Pangea.  In this operation, the Food and Drug Supervisory Agency will list websites and social media accounts that promote and market drugs without a distribution permit to be submitted to the Ministry of Communication and Information for blocking.  A distribution permit is preventive supervision as a form of protection for consumers carried out by the Food and Drug Supervisory Agency before the drug circulates in the community.  So it is reasonable to suspect that if a drug does not have a distribution permit, the drug has not been tested for safety, efficacy and quality aspects.

Ngafifatul Waro; Nely Arifah Tulistyawati; Laila Hanifah; Endang Kartini Panggiarti

Journal of Creative Student Research 2023 Pusat Riset dan Inovasi Nasional

The Financial Services Authority (OJK) as a regulator of the money management sector, especially the financial sector, must adequately equip its capabilities to properly implement and support financial management sector activities. economic growth. OJK has a position in managing Islamic banks. The description of Islamic commercial banks is very important because they are only marginal in accelerating the development of the financial economy, especially micro, small and medium enterprises (MSMEs). The Financial Authority carries out the functions, duties, authority to regulate and control activities in the financial sector in an integrated, independent and responsible manner, particularly in the world of banking. The problems of this research are: First, how independent is the Financial Services Authority in regulating and supervising banks? Second, what is the role of the Financial Services Authority in regulating and supervising banks? Third, what is the role of the Financial Services Authority in consumer protection and consumer investigations? The type of research method is normative law and the type of research is descriptive. In conclusion: First, other parties do not interfere with the independence of OJK in its regulation and are found to be inseparable from government interference. Such deals can lead to government intervention. Second, the role of OJK in regulating and supervising banks related to the regulation and supervision of micro stability is very broad. Third, OJK's role in consumer protection is to inform and educate the public about the good quality of the financial sector, its services and products. Stop if it can harm consumers. It is recommended: First, in addition to regulating the independence of the OJK, there must also be freedom from state intervention, so that the government cannot intervene. Second, that the OJK really places the interests of the national economy and not the interests of entrepreneurs as the center of its regulatory task. Third, clarify the provisions that make it easier for the OJK to handle consumer complaints, so that there is no prejudice as if the OJK is providing financial support to consumers.