Peran Hukum dalam Pembangunan Ekonomi Indonesia Pada Era Globalisasi
Keywords:
Digitalisasi Ekonomi, Inklusi Keuangan, QRIS, Pay-laterAbstract
Perkembangan ekonomi di era globalisasi telah membawa perubahan besar dalam mekanisme transaksi, termasuk adopsi pembayaran digital seperti QRIS dan layanan pay-later. Kedua sistem ini tidak hanya mempermudah proses transaksi dan meningkatkan inklusi keuangan, tetapi juga menimbulkan tantangan bagi stabilitas keuangan generasi muda karena meningkatnya konsumsi dan utang. Studi ini menggunakan metode yuridis normatif untuk menganalisis dampak kedua sistem pembayaran terhadap perekonomian Indonesia dan kebutuhan regulasi hukum dalam pengendalian penggunaannya. Hasil kajian menunjukkan bahwa pengaturan hukum yang jelas diperlukan guna mendukung pertumbuhan ekonomi digital yang sehat dan berkelanjutan.
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