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All Journal Jurnal Akta Law Development Journal
Anggawira Anggawira
Sekolah Tinggi Ilmu Hukum (STIH) IBLAM
Humanities Law, Crime, Criminology & Criminal Justice

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The Urgency of Strengthening Consumer Legal Protection in E-Commerce Transactions in Indonesia Anggawira Anggawira; Sudaryat Sudaryat; Ina Heliany
JURNAL AKTA Vol 13, No 2 (2026): June 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i2.52214

Abstract

The rapid expansion of the digital economy has transformed commercial transactions by increasing the use of e-commerce platforms, creating both greater convenience and new legal challenges for consumer protection. The development of e-commerce in Indonesia has facilitated transaction activities, but also poses various risks for consumers, such as fraud, personal data breaches, and product non-conformity. This study aims to analyze the legal framework for consumer protection, evaluate the effectiveness of regulations in guaranteeing digital consumer rights, and examine the implementation and challenges faced in e-commerce practices in Indonesia. The research method used is a normative juridical approach with a descriptive-analytical type of research, using primary and secondary legal materials. The results show that although regulations such as Law Number 8 of 1999 and Law Number 1 of 2024 have provided a strong legal basis, the effectiveness of consumer protection is still not optimal. This is due to weak supervision, low consumer literacy, and a gap between regulations and practice in the field. Therefore, regulatory harmonization, strengthened law enforcement, and increased digital literacy are needed to realize effective consumer protection in the digital era.
LEGAL ANALYSIS OF BREACH OF DEFAULT IN PAYLATER SERVICES AS PART OF FINANCIAL TECHNOLOGY DEVELOPMENT IN INDONESIA Anggawira Anggawira; Rahmat Dwi Putranto; Brigita P. Manohara
Law Development Journal Vol 8, No 2 (2026): June 2026
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ldj.8.2.1119-1131

Abstract

The development of financial technology (fintech) has driven significant changes in people's transaction patterns, one of which is through paylater services that offer easy access to instant financing. However, this convenience also poses legal risks, particularly related to default due to user failure to fulfill payment obligations. This study aims to analyze the application of the default concept in paylater services, the effectiveness of the regulations governing it, and the need for legal adaptation to address the characteristics of digital transactions. The method used is normative legal research with a statutory and conceptual approach, as well as qualitative data analysis. The legal sources used include the Civil Code, Law Number 8 of 1999 concerning Consumer Protection, and Financial Services Authority Regulation Number 10/POJK.05/2022. The results show that the default concept remains relevant, but requires adjustments in its application, particularly in the aspects of electronic evidence and legal responsibility in digital systems. Furthermore, although regulations have established the principles of prudence and consumer protection, implementation challenges remain, such as weak identity verification and oversight.
The Urgency of Strengthening Consumer Legal Protection in E-Commerce Transactions in Indonesia Anggawira Anggawira; Sudaryat Sudaryat; Ina Heliany
JURNAL AKTA Vol. 13 No. 2 (2026): June 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i2.52214

Abstract

The rapid expansion of the digital economy has transformed commercial transactions by increasing the use of e-commerce platforms, creating both greater convenience and new legal challenges for consumer protection. The development of e-commerce in Indonesia has facilitated transaction activities, but also poses various risks for consumers, such as fraud, personal data breaches, and product non-conformity. This study aims to analyze the legal framework for consumer protection, evaluate the effectiveness of regulations in guaranteeing digital consumer rights, and examine the implementation and challenges faced in e-commerce practices in Indonesia. The research method used is a normative juridical approach with a descriptive-analytical type of research, using primary and secondary legal materials. The results show that although regulations such as Law Number 8 of 1999 and Law Number 1 of 2024 have provided a strong legal basis, the effectiveness of consumer protection is still not optimal. This is due to weak supervision, low consumer literacy, and a gap between regulations and practice in the field. Therefore, regulatory harmonization, strengthened law enforcement, and increased digital literacy are needed to realize effective consumer protection in the digital era.
Legal Analysis of Breach of Default in Paylater Services as Part of Financial Technology Development in Indonesia Anggawira Anggawira; Rahmat Dwi Putranto; Brigita P. Manohara
Law Development Journal Vol. 8 No. 2 (2026): June 2026
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ldj.8.2.1119-1131

Abstract

The development of financial technology (fintech) has driven significant changes in people's transaction patterns, one of which is through paylater services that offer easy access to instant financing. However, this convenience also poses legal risks, particularly related to default due to user failure to fulfill payment obligations. This study aims to analyze the application of the default concept in paylater services, the effectiveness of the regulations governing it, and the need for legal adaptation to address the characteristics of digital transactions. The method used is normative legal research with a statutory and conceptual approach, as well as qualitative data analysis. The legal sources used include the Civil Code, Law Number 8 of 1999 concerning Consumer Protection, and Financial Services Authority Regulation Number 10/POJK.05/2022. The results show that the default concept remains relevant, but requires adjustments in its application, particularly in the aspects of electronic evidence and legal responsibility in digital systems. Furthermore, although regulations have established the principles of prudence and consumer protection, implementation challenges remain, such as weak identity verification and oversight.
Co-Authors Brigita P. Manohara Brigita P. Manohara Ina Heliany Rahmat Dwi Putranto Sudaryat