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Muhammad Chusnul Khitam
Faculty of Law, University of Islam Lamongan
Humanities Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Legal Responsibility of Desk Collection in Threats of Psychic Violence Against Financial Technology Customers Ja'far Shodiq; Muhammad Chusnul Khitam; Arianto Arianto; Nur Izzatul Khumairoh
Jurnal Independent Vol. 13 No. 2 (2025): Jurnal Independent
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/ji.v13i2.394

Abstract

Crime committed by desk collection is a type of crime carried out through electronic media that violates the Law on Electronic Information and Transactions (ITE Law), where in fact the debt collection process should be conducted ethically and politely towards debtors. However, the crimes committed by desk collection agents grossly violate both company procedures and the law. The crimes committed by desk collection agents, particularly in the form of psychological threats via online media through Financial Technology (Fintech) applications, constitute violations of the ITE Law, which prohibits intentionally and unlawfully sending electronic information containing threats or intimidation, which is punishable by law. The mistakes made by desk collection agents include carrying out collection methods such as insults, dissemination of debtor information that should be kept private, and repeated terror or intimidation, all of which violate the elements stipulated in the ITE Law. Based on the background above, the writer formulates the following research questions: First, how is the legal regulation regarding debt collection through electronic media? Second, how is legal protection provided for debtors who are victims of desk collection? The type of research used in this study is normative legal research, also known as library or doctrinal research. The legal materials used consist of primary and secondary legal materials, including: Article 29 in conjunction with Article 45B of Law Number 11 of 2008 on Electronic Information and Transactions, Law Number 27 of 2022 concerning Personal Data Protection (PDP Law), which prohibits the use of personal data without the owner's consent. Protection for fintech customers is regulated in OJK Regulation No. 77/POJK.01/2016, which requires every fintech company to implement procedures and safeguards for the confidentiality of customer data, both personal and transactional
Criminal Acts of Bullying of Children in the Education unit M. Yanto; Ali Fuad Hasyim; Muhammad Chusnul khitam; Putri Naillah Fauziah
Jurnal Independent Vol. 14 No. 1 (2026): Jurnal Independent
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/ji.v14i1.410

Abstract

Cases of bullying that occur in educational units often involve children, both as perpetrators and victims. There are two factors that cause bullying cases to occur in the education unit. The first is external factors, which come from outside the individual which includes family, socioeconomic status, religion, culture, and gender. The second factor is internal in individuals including personality values, self-control, self-esteem, self-concept, and emotional intelligence, discrimination is mandatory to get access to quality education. The impact of bullying is on health, economic capacity, and social relationships. Child abuse is a complex problem and its solution is not easy. The formulation of the problems in this study is: How to be accountable for the crime of bullying against children in the education unit and how to regulate the crime of bullying against children in the education unit. The research method uses normative legal research with a legislative approach and a conceptual approach. The legal materials used include the Criminal Code, the Child Protection Law, the Juvenile Justice System Law, and the National Education System Law. From the results of the study, it can be concluded that: 1. Accountability for the crime of bullying of children under the age of 18 is only subject to actions such as return to parents or guardians or foster parents, treatment at LPKS, obligation to attend formal education and/or training held by private bodies, correction of criminal acts. 2. The regulation of the crime of child abuse is contained in Law Number 35 of 2014 concerning Child Protection and Law Number 11 of 2012 concerning the Child Criminal Justice System.
Co-Authors Ali Fuad Hasyim Arianto Arianto Ja'far Shodiq M. Yanto Nur Izzatul Khumairoh Putri Naillah Fauziah