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This study analyzes online fraud as one of the most common forms of cybercrime in Indonesia, which has expanded alongside rapid advances in information and communication technology. These crimes utilize digital platforms such as social media, online marketplaces, and fraudulent websites to deceive victims for unlawful financial gain. The research aims to examine online fraud from a criminological perspective by identifying its causes, patterns, and relevance to routine activity theory and differential association theory. A normative juridical method is employed, using statutory, conceptual, and case-based approaches, with qualitative and descriptive analysis. The findings show that online fraud reflects a shift from conventional fraud to digital-based crimes, driven by low public awareness of cybersecurity, easy access to technology, and weak online supervision. Several fraud schemes were identified, including online investment scams, phishing, and identity impersonation. This study highlights the need for an integrated approach that goes beyond law enforcement by emphasizing digital literacy, public education, and cross-sector collaboration to reduce cybercrime in Indonesia.

Fraudulent investment is a phenomenon that has become widespread among Indonesian society. The PKK mothers in Rt 5 Rw 2, Gayamsari sub-district, have not yet gained any knowledge or understanding about the dangers of fraudulent investments and their characteristics, nor have they received any knowledge or understanding related to financial literacy that could protect their families from the dangers of fraudulent investments. The PKK of Gayamsari sub-district urgently needs socialization on strategies to prevent being affected by fraudulent investments and to recognize the signs of such investments. In addition to fraudulent investments, they also feel the need to receive socialization about financial literacy and the characteristics of legal and safe investments, so that they can prevent becoming victims of fraudulent investments. Based on the problems that occur, solutions are needed to address them. The purpose of this community service activity is to provide understanding and knowledge about financial literacy so as not to fall into fraudulent investments. Partners are also given an understanding of safe and legal investments to avoid the dangers of fraudulent investments. The expected outcome of this service activity for the mothers of the PKK in Gayamsari sub-district is to understand the importance of financial literacy and the dangers of fraudulent investments along with their characteristics. It is hoped that the PKK mothers in Gayamsari sub-district will be wise in managing family finances by choosing safe investments for the future of their household and family, as well as being able to prevent becoming victims of fraudulent investment scams.

This community engagement program aims to enhance financial literacy as a preventive measure against the widespread issue of fraudulent investment schemes. Titled “Synergy in Financial Literacy Education: Breaking the Chain of Fraudulent Investment Victims”, the activity was conducted in Sanrobone Village and involved 20 participants consisting of local residents and university students. The method employed was an interactive seminar that combined presentations with open discussions. The results showed a significant increase in participants’ understanding of the characteristics of illegal investments, the importance of personal financial management, and the need for caution in making financial decisions. The synergy between academic institutions and the community is expected to serve as a strategic effort to strengthen financial resilience and reduce the number of victims of investment fraud.

The Unitary State of the Republic of Indonesia is a country of law that guarantees justice and protection for its citizens. This protection is stated in the 1945 Constitution Article 28G paragraph (1), namely: "Everyone has the right to protection of themselves, their families, their honor, their dignity, and their property under their control, and has the right to a sense of security and protection from the threat of fear to do or not do something that is a basic human right". Fraudulent investment is an act of investment fraud, where the perpetrator asks for funds to be invested in a business that is in fact illegal and does not have a permit from the competent authority. This study aims to determine the form of legal protection for victims and to find out how to avoid fraudulent investment. The research method used is qualitative by using the type of literature study of journal analysis, or other media to become a literature reading that is arranged coherently and neatly. This literature study will look for various relevant articles by citing from various sources.

The financial literacy level in Indonesia, particularly among vocational high school (SMK) students, remains low. Limited understanding of investments and the high risk of falling victim to fraudulent schemes are major concerns. This financial literacy seminar aimed to provide basic knowledge about investments, their types, steps to start investing, and characteristics of fraudulent investments. The seminar was conducted at an SMK in Bekasi using an interactive lecture method and was attended by 45 students. The seminar began with material presentation, followed by a Q&A session and an interactive quiz. The results showed that most participants understood the material and were able to distinguish between low-risk and high-risk investments. Approximately half of the participants actively engaged in discussions, indicating increased awareness of the importance of financial literacy. Participants responded positively to the seminar and expressed interest in similar programs with different themes in the future. In conclusion, this seminar effectively improved the financial literacy of SMK students and made a positive contribution to building a financially aware younger generation.

This research aims to analyze the effectiveness of consumer protection regulations in handling fraudulent investments, focusing on the case of Doni Salmanan, a social media influencer involved in illegal investment promotion. Fraudulent investments have become a serious threat to society in Indonesia, especially in the context of the development of digital technology that allows the rapid dissemination of information. This research uses a normative legal research method with a case study approach, examining applicable regulations such as Law Number 8 Year 1999 on Consumer Protection and regulations of the Financial Services Authority (OJK). The results of the analysis show that although there are existing regulations to protect consumers, the implementation and supervision of illegal investment activities are still weak. Weak supervision, low public financial literacy, and inadequate sanctions against fraudulent investment actors indicate the need to update and strengthen regulations. This study provides recommendations to improve the effectiveness of consumer protection regulations and build more adaptive mechanisms to prevent investment fraud in the digital era.

This writing aims to find out how the feasibility of futures broker PT. Forex family in managing the trading business and legal protection of customers of PT. Forex families. The method used in this paper is empirical normative method by collecting data through literature studies, interviews, and observation. The writing results show that agreements between futures brokerage companies and customers/investors in forex trading transactions are made in detailed and accurate standardized forms. In the transaction agreement, the contents are planned in advance by the parties to the futures brokerage company so that the customer/investor only has to agree to it if the customer is willing to accept the rules or terms and conditions that have been prepared and predetermined unilaterally by the futures brokerage company. Furthermore, the forex family conducts a forex investment business which in this case can be categorized as futures trading, so that in this case the license to carry out business activities must be granted by the competent authority, namely BAPPEBTI. Furthermore, in order to protect the interests of consumers and the public, the investment alert task force announced seven lists of illegal investment entities that were discontinued on November 3, 2021. One of the seven entities was named the FX family, which the task force called "unlicensed futures or forex trading activities" so that the public was asked to be careful. be careful and be aware of various types of investment offers with various types of fraudulent modes.

The fastest growing financial sector is investment activity. The investment business is certainly included in the scope of supervision by the Financial Services Authority. But in practice, many people carry out their rotten ideas for personal gain which can harm many parties who invest in these people or individuals. The rise of fraudulent investments is certainly part of the responsibility and supervision carried out by the Financial Services Authority. This research is qualitative research using the literature study approach method, the data collection refers to previous research, books, newspapers, documents, and other reading sources. This research focuses on discussing the role of the OJK in preventing and eradicating illegal/bodong/fictitious investments. In an effort to regulate and prevent fraudulent investment practices, the actions launched by OJK are conducting socialization and counseling to the public, providing investment entity establishment licenses only to those who meet the criteria, providing consumer complaint services, forming a fraudulent investment alert task force, issuing regulations and forming capital market protection institutions. The obstacles in efforts to eradicate fraudulent investment are in the form of difficulties in establishing communication between institutions, there is a barrier between OJK and Bank Indonesia as the highest supervision of the financial and banking sectors in Indonesia, this is due to the distance and long transition from OJK to Bank Indonesia.