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Investing in economic development is an important aspect because investment is one of the driving forces in the process of strengthening a country's economy. Several countries have made efforts to increase investment within the framework of their economic policies, as one way to encourage the process of strengthening the economy (Jati, 2012). Over the last decade, investment has not only become an important need for a country to advance its economic development but is also the most important means of developing industry. The research method used in this journal is qualitative. This research uses a qualitative approach to understand the factors influencing traditional markets and their impact on society and the economy. In this research, the author uses descriptive analysis to explain the conditions of traditional markets and the impact of changes in consumer preferences and the shift in people's shopping places to modern shopping centers. Indonesia has decided to become a member of both regional and world trade, such as: GATT (General Agreement on Tariffs and Trade), AFTA (Asean Free Trade Area), APEC (Asia-Pacific Economic Cooperation) and WTO (Word Trade Organization). Indonesia has become a member of regional and world trade, so at the same time, Indonesia has become part of the global community and trade liberalization. Basically, liberalization creates an era of global trade that is free of borders, protection and barriers. This also increases trade competition between economic actors. The challenges of traditional markets in facing the impact of globalization and trade liberalization are characterized by the flow of investment into Indonesia from one most profitable region to another in all investment sectors. This phenomenon makes capital investment or investment a demand to meet the needs of a country, company and society, for example by investing in the modern retail industry (modern markets), such as: supermarkets, hypermarkets, minimarkets.

This research aims to examine and analyze the legal protection given to investors in buying and selling shares in the capital market from an Islamic perspective. The research methodology used is descriptive analysis, which involves comprehensive data collection regarding the characteristics of a particular situation or symptom that contributes to strengthening the theory of Islamic capital markets. In this case, the author uses a document or literature study as a legal material collection technique, by reviewing the literature related to the research topic. This approach aims to obtain secondary data from sources such as the Quran, hadith, MUI fatwa, and relevant laws and regulations, especially Law No. 8 of 1995 concerning Capital Markets. The findings of this study reveal that the legal protection of investors in buying and selling activities in the capital market in an Islamic perspective is based on the principles of transparency and openness, the existence of a Sharia Supervisory Board (DPS), sharia audits, dispute resolution mechanisms, and the prohibition of ribawi practices or usury-based transactions.

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.  

The purpose of this study was to review the market place of PT Tokopedia in maintaining the image and trust of consumers after the leakage of customer data. The research method used in this study is a qualitative method, the data I use is in the form of writing I & I, not numbers. I have reviewed this data. Based on Ijournals, my mother, Iwebsite, and other official documents, PT Tokopedia informs about user data leaks. Tokopedia requires the necessary policies. Utilizing a new data security method, namely blockchain, as well as establishing special laws for the protection of personal data, is necessary to minimize the amount of business personal data. a significant impact on consumer confidence thereby influencing consumer purchasing power for sales made on the PT Tokopedia marketplace.    

The financial sector is undergoing rapid digital transformation, driven by innovations in digital banking, fintech, and AI-driven solutions. This transformation has significant implications for consumer trust and data security. This paper explores the impact of these technological advancements on customer confidence in financial institutions, especially in light of recent data breaches and cybersecurity threats. By analyzing regulatory responses and cybersecurity frameworks, the study emphasizes the critical need for robust protections to build and maintain consumer trust in digital finance. Findings indicate that enhanced security measures and regulatory oversight are essential in safeguarding data and supporting the sustainable growth of digital finance.

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.