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All Journal Arus Jurnal Sosial dan Humaniora Jurnal Pengabdian Masyarakat dan Riset Pendidikan
Anna Triningsih
Universitas Esa Unggul
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Analisis Yuridis Tanggung Jawab Perdata Terhadap Peredaran Produk Re-Branding di Indonesia: Penelitian Windi Novita; Anna Triningsih
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.4614

Abstract

The rapid growth of marketplaces as part of electronic commerce in Indonesia has facilitated transactions while simultaneously increasing the circulation of illegal re-branding products that harm consumers. The unclear legal position and civil liability of marketplace operators raise issues of legal certainty, particularly when counterfeit or re-branding products are sold by third-party sellers through digital platforms. This study addresses two main issues: the legal regulation of marketplace operators’ civil liability for the circulation of re-branding products in Indonesia and the implementation of such liability in relation to consumer losses. This research employs a normative legal method using statutory and case approaches, with specific reference to Decision Number 537/Pid.B/2022/PN Jkt.Brt. The findings indicate that the regulation of marketplace civil liability remains fragmented and fails to explicitly define the obligations of marketplace operators in preventing and controlling the distribution of illegal re-branding products. In practice, the implementation of civil liability primarily targets sellers as direct perpetrators, while the role and negligence of marketplace operators in supervision and control are rarely addressed, resulting in ineffective consumer compensation mechanisms.
Peran Otoritas Jasa Keuangan Terhadap Perlindungan Kosumen Generasi Z Sebagai Pengguna Pinjaman Online: Penelitian Ghinaa Afiifah; Anna Triningsih
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.4884

Abstract

The development of financial technology has encouraged the increasing use of online loan services, especially among Generation Z. The ease of access and the fast disbursement process of funds make online loans an alternative to fulfilling financial needs, but on the other hand it causes various problems, such as the rampant illegal online loans, unreasonable interest, unethical billing, and misuse of consumer personal data. This research aims to analyze the role and implications of the supervision of the Financial Services Authority (OJK) towards the protection of Generation Z consumers as online loan users. The research method used is normative legal research with a normative legal approach through literature studies on relevant laws and regulations and literature. The research results show that OJK has the authority to attribute it based on Law Number 21 of 2011 to regulate, supervise, and protect consumers in the financial services sector, including fintech lending services. Although the supervision of OJK has given a positive impact in the form of increased compliance with legal online loan providers, consumer protection has not been fully optimal due to limited authority against illegal online loans, low financial literacy of the community, and surveillance challenges in the digital era. Therefore, it is necessary to strengthen regulation, improve coordination between.
Pertanggungjawaban Hukum Penyelenggara Layanan Pinjaman Online atas Penyalahgunaan Foto KTP Konsumen dalam Praktik Debt Collection Digital Sabrina Mulyadiva; Anna Triningsih
Arus Jurnal Sosial dan Humaniora Vol 6 No 1: April (2026)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v6i1.2289

Abstract

Penyalahgunaan foto KTP konsumen dalam praktik penagihan digital oleh layanan pinjaman online semakin meningkat dan menimbulkan kerugian bagi konsumen. Penelitian ini bertujuan menganalisis pelanggaran hukum dalam praktik penagihan digital, menilai pertanggungjawaban hukum penyelenggara pinjaman online atas tindakan digital debt collector, dan mengkaji perlindungan hukum bagi konsumen. Penelitian ini juga menyoroti posisi penyelenggara sebagai pengendali data pribadi yang memiliki kewajiban hukum dalam menjaga keamanan dan penggunaan data sesuai tujuan awal. Metode yang digunakan adalah penelitian yuridis normatif dengan pendekatan perundang-undangan dan konseptual melalui studi kepustakaan. Analisis dilakukan secara deskriptif-analitis dengan pendekatan evaluatif terhadap bahan hukum. Hasil penelitian menunjukkan adanya pelanggaran dalam penggunaan dan pengolahan data pribadi konsumen dalam praktik penagihan digital, seperti penyebaran data tanpa persetujuan dan penggunaan data untuk tekanan psikologis. Penyelenggara pinjaman online bertanggung jawab atas tindakan pihak yang melakukan penagihan atas nama mereka, termasuk pelanggaran data pribadi yang dilakukan oleh debt collector. Perlindungan hukum bagi konsumen memerlukan pengawasan yang ketat, peningkatan kepatuhan penyelenggara, dan penerapan sanksi tegas agar pelaku usaha yang melanggar dikenai konsekuensi hukum secara efektif.
Co-Authors Ghinaa Afiifah Sabrina Mulyadiva Windi Novita