https://ejournal.stismu.ac.id/ojs/index.php/Iltizamat <p>ILTIZAMAT: economic sharia law and business studies, published by Economic Sharia Law Study Program, Miftahul Ulum School of Sharia Sciences, Lumajang. This journal publishes studies on sharia economic law and other sharia business studies. This journal is published twice a year in June and December.</p> <p>E-ISSN: 2809-5820</p> <p>P-ISSN : 2809-6010</p> <p> </p> Program Studi Hukum Ekonomi Syariah Sekolah Tinggi Ilmu Syariah Miftahul Ulum Lumajang en-US ILTIZAMAT: Journal of economic sharia law and business studies 2809-6010 https://ejournal.stismu.ac.id/ojs/index.php/Iltizamat/article/view/2808 <p>This study examines the relevance of POJK Number 13/POJK.03/2021 to the implementation of the Sharia Restricted Investment Account (SRIA) based on the mudharabah muqayyadah contract within the Indonesian Islamic banking legal system. The main academic problem addressed in this article concerns the absence of specific regulation governing SRIA as a restricted investment product, while its implementation requires legal certainty, risk governance, investor protection, and strong Sharia compliance. This research aims to analyze the extent to which POJK Number 13/POJK.03/2021 may serve as a legal basis for SRIA implementation and how the mudharabah muqayyadah contract shapes the legal relationship among fund owners, Islamic banks, and underlying investment objects. This study employs normative legal research using statutory and conceptual approaches by examining POJK provisions, the Islamic Banking Law, DSN-MUI fatwas, SRIA implementation guidelines, and relevant Islamic economic law literature. The findings indicate that POJK Number 13/POJK.03/2021 has substantive relevance as a general regulatory framework because it governs risk management, governance, internal control, transparency, and consumer protection in banking product implementation. However, the regulation remains insufficient as a specific technical basis because it does not explicitly regulate contract structure, investment restrictions, risk allocation, or legal consequences arising from violations of investor mandates. The study concludes that SRIA implementation requires an integrated framework involving POJK, DSN-MUI fatwas, technical guidelines, and Sharia supervision. The novelty of this article lies in positioning SRIA as a legal testing ground for the relationship between hard law and soft law in regulating mudharabah muqayyadah-based Islamic banking products.</p> cholis husnah Moh Rihul Azhar Mohamad Rosyiful Aqli Laili Salimah Copyright (c) 2026 ILTIZAMAT: Journal of economic sharia law and business studies http://creativecommons.org/licenses/by-sa/4.0/ 2026-06-29 2026-06-29 5 2 1 12 10.55120/iltizamat.v5i2.2808 https://ejournal.stismu.ac.id/ojs/index.php/Iltizamat/article/view/2807 <p>Pelaku usaha semakin menyadari pentingnya mengelola ulasan konsumen secara strategis untuk menjaga reputasi positif perusahaan di mata masyarakat. Bekerja sama dengan orang lain adalah strategi yang sering digunakan. Seseorang yang memiliki banyak pengikut di media sosial, atau yang disebut sebagai influencer. Penggunaan metode penelitian hukum normatif dengan menggunakan pendekatan perundang-undangan (statute approach) serta pendekatan konseptual (conceptual approach). Konten perbandingan produk yang dibuat secara tidak objektif berpotensi melanggar ketentuan hukum, terutama yang berkaitan dengan pencemaran nama baik dan perlindungan konsumen. Perlindungan konsumen merupakan serangkaian upaya yang bertujuan memberikan kepastian hukum untuk melindungi hak dan kepentingan konsumen dalam transaksi digital. Meski adanya pasal kebebasan dalam berpendapat, penyampaian suatu brand juga harus tetap terjaga agar tidak menurunkan reputasi</p> Fadhil Muhammad Ramadhani Adinda Hilyatusy Syarifah Copyright (c) 2026 http://creativecommons.org/licenses/by-sa/4.0/ 2026-06-29 2026-06-29 5 2 13 21 10.55120/iltizamat.v5i2.2807