This research discusses the role of the Financial Services Authority (OJK) in protecting fintech Peer to Peer (P2P) lending customers in Aceh based on maqashid sharia perspective. P2P lending services, which are part of the development of financial technology (fintech), have grown rapidly in Aceh as an alternative financing solution that is faster and more flexible than conventional financial institutions. However, this growth also presents new risks, especially to consumer protection. This research uses a descriptive qualitative approach with interview, literature study, and observation methods. The results show that OJK has made various efforts to supervise fintech P2P lending, including through regulations, digital monitoring systems, and public education. From the perspective of maqashid sharia, the protection carried out by OJK against customers reflects efforts to protect the soul (hifzh al-nafs) and protect property (hifzh al-mal), which are part of the main objectives of Islamic law. Based on the analysis, the author considers that OJK's role in supervising and protecting fintech P2P lending customers has shown significant alignment with the principles of maqashid sharia, especially in the aspects of hifzh al-nafs (guarding the soul) and hifzh al-mal (guarding the wealth).
Penelitian ini membahas peran Otoritas Jasa Keuangan (OJK) dalam melindungi nasabah fintech Peer to Peer (P2P) lending di Aceh berdasarkan perspektif maqashid syariah. Layanan P2P lending yang merupakan bagian dari perkembangan financial technology (fintech) telah berkembang pesat di Aceh sebagai solusi pembiayaan alternatif yang lebih cepat dan fleksibel dibandingkan lembaga keuangan konvensional. Namun, pertumbuhan ini juga menghadirkan risiko baru, terutama terhadap perlindungan konsumen. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan metode wawancara, studi pustaka, dan observasi. Hasil penelitian menunjukkan bahwa OJK telah melakukan berbagai upaya pengawasan terhadap fintech P2P lending, termasuk melalui regulasi, sistem pemantauan digital, dan edukasi masyarakat. Dari perspektif maqashid syariah, perlindungan yang dilakukan OJK terhadap nasabah mencerminkan upaya menjaga jiwa (hifzh al-nafs) dan menjaga harta (hifzh al-mal), yang merupakan bagian dari tujuan utama syariat Islam. Berdasarkan analisis Penulis memandang bahwa peran OJK dalam mengawasi dan melindungi nasabah fintech P2P lending telah menunjukkan adanya keselarasan yang signifikan dengan prinsip-prinsip maqashid syariah, khususnya dalam aspek hifzh al-nafs (penjagaan jiwa) dan hifzh al-mal (penjagaan harta).