Author: Cecep Mustafa

JHP Journal Editor’s NoteCecep Mustafa 1. Indonesia’s Quiet Revolution Indonesia is witnessing a quiet revolution unfolding not in parliament halls or boardrooms, but in the palms of its people. Financial Technology—Fintech—has emerged as more than a tool of convenience; it is a moral and economic awakening. It redefines who gets to participate in prosperity. In a nation where millions have long been excluded from formal banking, Fintech is turning smartphones into instruments of inclusion—a digital lifeline for those once deemed invisible by the system. 2. Indonesia’s Unseen Engine Indonesia’s Micro, Small, and Medium Enterprises (MSMEs) are not merely an economic…

JHP Journal Editor’s NoteCecep Mustafa Indonesia’s Fintech revolution has opened unprecedented access to credit and investment, expanding financial inclusion through Peer-to-Peer (P2P) lending platforms. Yet beneath this progress lies a growing legal and ethical gap: platforms profit from risk without fully sharing in its consequences. For policymakers and the judiciary, the challenge is not merely regulation but the restoration of fairness in a rapidly digitizing economy. When technology entered Indonesia’s financial system, it arrived not through legislation but through apps—bright interfaces promising inclusion, convenience, and empowerment. With a few taps, a small entrepreneur could apply for a loan once impossible…