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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.

The financial technology (fintech) industry in Indonesia has grown rapidly in recent years, having a significant impact on financial inclusion in the country. Fintech provides easier and faster access to financial services, especially for segments of society previously marginalized by the traditional banking system. Fintech services such as digital payments, online loans, and technology-based investments have expanded financial reach to communities in remote areas, MSMEs, and individuals with limited access to conventional banking services. However, with the rapid growth of fintech, challenges arise related to regulation and consumer protection. Inadequate regulation can lead to security risks, legal uncertainty, and potential abuse in digital financial services. Therefore, the Indonesian government has implemented various policies to regulate and supervise the fintech industry, such as the establishment of the Financial Services Authority (OJK) and Bank Indonesia (BI) as the main supervisors. This study aims to analyze the impact of fintech developments on financial inclusion in Indonesia and evaluate the effectiveness of existing regulations in protecting consumers and encouraging the growth of the fintech sector. The results of this research show that although fintech has the potential to significantly increase financial inclusion, more comprehensive regulations and strict law enforcement are needed to ensure that the benefits of fintech can be felt evenly and safely by all levels of society.

This study provides a comparative analysis of the regulatory frameworks governing Buy Now Pay Later (BNPL) services across ten ASEAN countries: Indonesia, Malaysia, Singapore, Thailand, the Philippines, Laos, Brunei Darussalam, Vietnam, Myanmar, and Cambodia. As BNPL services rapidly expand throughout the region, understanding the diverse regulatory landscapes and their implications becomes increasingly critical for fostering financial stability, consumer protection, and innovation in the digital financial ecosystem.  Utilizing a literature review methodology, the research examines existing regulations, legal frameworks, and market trends, assessing their impact on financial stability, consumer protection, and fintech innovation.  Singapore is identified as the leader in regulatory practices, effectively balancing fintech innovation with stringent consumer protection. Indonesia and Malaysia emphasize financial inclusion and systemic risk management, with Indonesia's framework focusing on transparency and financial literacy. Thailand and the Philippines are refining their frameworks, while Myanmar, Laos, Brunei, Vietnam and Cambodia are still developing their regulatory approaches. BNPL services, driven by growing e-commerce and fintech ecosystems, offer significant opportunities for financial inclusion but also pose challenges related to over-indebtedness, credit risk, and data protection. The analysis emphasizes that while BNPL presents significant opportunities for financial inclusion and fintech innovation, effective regulation is critical to ensuring sustainable growth and protecting consumers from debt traps and financial instability.

To meet the needs of life, there is a relationship between business actors and consumers. The relationship between business actors and consumers is interdependence. To protect the interests of consumers, the Consumer Protection Act is urgently needed due to the weak position of consumers towards business actors. The purpose of this study was to determine the form of legal protection for consumers in obtaining 3 kilograms of LPG (Liquified Petroleum Gas) at a price according to the HET (Highest Retail Price). The research method used in this study was a normative juridical research method with data collection through library research and interviews in order to collect and study library materials or secondary data. The result of the research is that regulations regarding consumer legal protection and consumer disputes in Indonesia have been regulated in Law Number 8 of 1999 concerning Consumer Protection. In addition, socialization is needed from the government and related institutions regarding the rights of 3 kg lpg consumers, such as the right to obtain information about the price of 3 kg lpg, information about the availability of 3 kg lpg gas at bases and so on, especially in the city of Surabaya.