National Sharia Arbitration Board established by the Majelis Ulama Indonesia. The reason the founding of the National Sharia Arbitration Board with their idea of Islamic Economics is characterized by the development of Islamic banking, such as the birth of the Islamic Bank, which certainly has a dispute must be resolved sharia and sharia, so the need to involve other parties to mediate in resolving the dispute sharia. In this thesis will be discussed on the responsibility of the National Sharia Arbitration Board (BASYARNAS) in resolving disputes regarding the authority of Islamic Banking and Religious Court against the execution and cancellation of the decision of the Arbitration Sharia in Indonesia.

Users of peer-to-peer lending services can easily apply for loans without a down payment and with full disclosure of their personal information. These types of conveniences in the technologically oriented financial services sector are growing and support Financial Services Authority regulation. The ease of borrowing and borrowing in the fintech peer-to-peer lending sector is a result of legal issues with personal data. Borrowers' late payments may force fintech peer-topeer lending companies to grant access to their data. The issue in this study is OJK's attempts to stop the release of personal information about users of fintech peer-to-peer lending services and the legal actions that these services may take in the event of a personal information breach. A normative juridical approach was used to qualitatively analyze the research. A statutory and conceptual approach to a literature review was used to gather the research data. The study's findings suggest that in order to secure the personal information of users of fintech peer-to-peer lending services and improve the OJK's regulatory authority, rules are required that can close legal gaps in the legislation.

This study aims to give a solution for a government that has established a Micro Financial Institution (MFI). In development, the purpose of this MFI is to fund micro-scale businesses for which Micro, Small and Medium Enterprises (MSMEs) do not work at their maximum. This thing caused development in technology and information, which MFIs should give service operational by digitalization. MSMEs, on the other hand, must obtain service financial security quickly and affordably. The normative juridical study was conducted in the form of an exploratory study, complete with regulation and conceptual approaches. Research results show that in the MSME community they still apply the concept of mutual cooperation as reflected in the principles of cooperative as well as trust in the Constitution. They do not yet know whether to draft financing or bank based on western concepts that are individual, absolute, and capital as well as cost-effective operational as in practice financing generally. Research conclusion: the idea of Partnership of Cooperation and Modern Bank/Non-Bank Financial Institutions (LKBB) to enter the MSME community with a culture of mutual cooperation is necessary. For support cost operational for LKBB in doing service to the public (public service obligation-PSO) is recommended for the government through the Financial Services Authority (OJK). Operational costs are agreed upon jointly by cooperatives and modern LKBB, rather than by government regulation.

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Online loans are credit problems, but online loans have two conflicting interests, on the one hand the creditor demands payment of the debt along with interest and fines. On the other hand, the debtor feels disadvantaged due to the actions of the creditor who misuses the debtor's personal data to carry out terror in billing. The purpose of this study is to examine the legal protection for debtors in online loan transactions related to personal data misused by creditors and the resolution of bad credit problems and problems arising from misuse of personal data by online creditors. By using a normative juridical research method, this research refers to the ITE Law and related laws. The results of the study suggest that: first, in the provisions of the ITE Law and PM 20/2016, the protection of personal data has been regulated in Article 26 paragraph (1) of the ITE Law and in Article 26, Article 27, and Article 36 paragraph 1 of PM 20/2016. Second, based on the provisions of the ITE Law or PM 20/2016 misuse of personal data, the threat of sanctions can be in the form of administrative sanctions, fines, and/or criminal sanctions. Therefore, the settlement of misuse of personal data by creditors can be done in a civil or criminal manner.