Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal IBLAM Law Review
Herlindah Herlindah
Brawijaya University
Law, Crime, Criminology & Criminal Justice

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Consumer Protection Challenges in In-House Installment Agreements within The Real Estate Sector Arya Sandi Yudha Libert; Yenny Eta Widyanti; Herlindah Herlindah
IBLAM LAW REVIEW Vol. 6 No. 2 (2026): IBLAM LAW REVIEW
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM IBLAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52249/ilr.v6i2.675

Abstract

house installment schemes within Indonesia’s real estate sector. In-house financing, managed directly by developers without financial institution supervision, creates structural risks due to unequal bargaining power, weak regulatory oversight, and the absence of safeguards for consumer funds. The research aims to examine legal gaps in the current housing and consumer protection framework and to formulate a preventive regulatory model. Using normative legal research with a comparative approach, this study evaluates Indonesian regulations and compares them with India’s Real Estate Regulation and Development Act 2016. The findings indicate that the absence of mandatory fund segregation exposes consumers to significant risks of project failure and fund diversion. The study concludes that Indonesia should adopt a mandatory escrow account mechanism, similar to India’s model, requiring a substantial portion of consumer funds to be deposited in a supervised account and released based on verified construction progress. Such reform would strengthen accountability, transparency, and consumer protection.
Co-Authors Arya Sandi Yudha Libert Yenny Eta Widyanti