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The Supervisory System of Conventional Online Lending in Aceh Following the Enforcement of Qanun Number 11 of 2018: A Study on Criminal Elements in Online Lending Transactions

Legitimasi: Jurnal Hukum Pidana dan Politik Hukum · Vol. 14 No. 1 (2025) · hlm. 36–58

DOI
10.22373/legitimasi.v14i1.30033
ISSN
2579-5104, 2088-8813
Terbit
2025-06-26
Penerbit
Faculty of Sharia and Law, Universitas Islam Negeri Ar-Raniry Banda Aceh
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-nc-sa/4.0

Abstrak

Online Service lending has become a widely used financial product due to its accessibility, including in Aceh, which has implemented Qanun Number 11 of 2018 concerning Islamic Financial Institutions that prohibits interest-based lending practices. Therefore, this study focuses on the supervision of conventional online lending conducted by the government in Aceh following the implementation of Qanun Number 11 of 2018. This research adopts a descriptive method with data collected through interviews. The findings indicate that, to date, conventional online service lending (pinjol) operations in Aceh remain unrestricted, with no limitations imposed on their activities. In Aceh, stakeholders have yet to take concrete measures to curb or prohibit conventional online lending practices. Consequently, many consumers in Aceh, including educated individuals such as teachers and students, as well as the general public, have been trapped in debt and faced payment defaults. Therefore, strategic actions are required from both the Aceh government and religious scholars (ulama) to collaborate and synergize with relevant institutions such as the Financial Services Authority and Bank Indonesia to curb conventional fintech practices in Aceh, in accordance with the provisions outlined in Qanun Number 11 of 2018 on Sharia Financial Institutions in Aceh

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  • Universitas Halu Oleo
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Rekan penulisOrganisasiArtikel bersama
Amrizal HamsaAfiliasi tidak diketahui2
Bustamam UsmanAfiliasi tidak diketahui2
Yuhasnibar SyahAfiliasi tidak diketahui2
Azka Akmalia JihadAfiliasi tidak diketahui2
Malahayati MalahayatiPoliteknik Negeri Sriwijaya1
Chairul FahmiAfiliasi tidak diketahui1
Muhammad Siddiq ArmiaAfiliasi tidak diketahui1
Badri Hasan SulaimanAfiliasi tidak diketahui1
Rahmat HidayatUniversitas Halu Oleo1
Fuad MuchlisAfiliasi tidak diketahui1
Aditya WahyudhiAfiliasi tidak diketahui1
Dody PerwiraAfiliasi tidak diketahui1
Riezky Pratama PanjaitanAfiliasi tidak diketahui1
Muhammad SyukriUniversitas Halu Oleo1
. FirmansyahAfiliasi tidak diketahui1
NovaAfiliasi tidak diketahui1
Edi YuhermansyahAfiliasi tidak diketahui1
Sumita DewiAfiliasi tidak diketahui1
Samsuardi SamsuardiAfiliasi tidak diketahui1
Iskandar ISKANDARAfiliasi tidak diketahui1
Atha Mahdi MuhammadAfiliasi tidak diketahui1
Azmil UmurAfiliasi tidak diketahui1
Intan NurhalizaAfiliasi tidak diketahui1
Riadhus SholihinAfiliasi tidak diketahui1
Muhammad Alfi SyahriAfiliasi tidak diketahui1
Yuni RoslailiAfiliasi tidak diketahui1
Suparwany SuparwanyAfiliasi tidak diketahui1
Dinni MaghfirahAfiliasi tidak diketahui1
Aulil AmriAfiliasi tidak diketahui1
Azhari YahyaAfiliasi tidak diketahui1
M. AdliAfiliasi tidak diketahui1
M. JafarAfiliasi tidak diketahui1
Mazwar MazwarAfiliasi tidak diketahui1
Ali AbubakarAfiliasi tidak diketahui1
Muhamad Nur Afiffuden Bin JufrihishamAfiliasi tidak diketahui1
Risna WatiAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://jurnal.ar-raniry.ac.id/index.php/legitimasi/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 7 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">The Supervisory System of Conventional Online Lending in Aceh Following the Enforcement of Qanun Number 11 of 2018: A Study on Criminal Elements in Online Lending Transactions</dc:title>
	<dc:creator xml:lang="en">Maulana, Muhammad</dc:creator>
	<dc:creator xml:lang="en">Ramly, Arroyyan</dc:creator>
	<dc:creator xml:lang="en">Yuhasnibar, Yuhasnibar</dc:creator>
	<dc:creator xml:lang="en">Alidar, EMK.</dc:creator>
	<dc:subject xml:lang="en">Supervisory System</dc:subject>
	<dc:subject xml:lang="en">Online Lending</dc:subject>
	<dc:subject xml:lang="en">Qanun Number 11 of 2018</dc:subject>
	<dc:description xml:lang="en">Online Service lending has become a widely used financial product due to its accessibility, including in Aceh, which has implemented Qanun Number 11 of 2018 concerning Islamic Financial Institutions that prohibits interest-based lending practices. Therefore, this study focuses on the supervision of conventional online lending conducted by the government in Aceh following the implementation of Qanun Number 11 of 2018. This research adopts a descriptive method with data collected through interviews. The findings indicate that, to date, conventional online service lending (pinjol) operations in Aceh remain unrestricted, with no limitations imposed on their activities. In Aceh, stakeholders have yet to take concrete measures to curb or prohibit conventional online lending practices. Consequently, many consumers in Aceh, including educated individuals such as teachers and students, as well as the general public, have been trapped in debt and faced payment defaults. Therefore, strategic actions are required from both the Aceh government and religious scholars (ulama) to collaborate and synergize with relevant institutions such as the Financial Services Authority and Bank Indonesia to curb conventional fintech practices in Aceh, in accordance with the provisions outlined in Qanun Number 11 of 2018 on Sharia Financial Institutions in Aceh</dc:description>
	<dc:publisher xml:lang="en">Faculty of Sharia and Law, Universitas Islam Negeri Ar-Raniry Banda Aceh</dc:publisher>
	<dc:date>2025-06-26</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnal.ar-raniry.ac.id/index.php/legitimasi/article/view/30033</dc:identifier>
	<dc:identifier>10.22373/legitimasi.v14i1.30033</dc:identifier>
	<dc:source xml:lang="en">Legitimasi: Jurnal Hukum Pidana dan Politik Hukum; Vol. 14 No. 1 (2025); 36-58</dc:source>
	<dc:source>2579-5104</dc:source>
	<dc:source>2088-8813</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnal.ar-raniry.ac.id/index.php/legitimasi/article/view/30033/11708</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Muhammad Maulana, Arroyyan Ramly, Yuhasnibar Yuhasnibar, EMK. Alidar</dc:rights>
	<dc:rights xml:lang="en">http://creativecommons.org/licenses/by-nc-sa/4.0</dc:rights>
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