Suhaila Zulkifli
PUI PT Business Law E-commerce, Fakultas Hukum, Universitas Prima Indonesia, Medan, Sumatera Utara, 20112, Indonesia

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Perlindungan Hukum Debitur dalam Perjanjian Pinjaman Online dan Efektivitas Mekanisme Penagihan Hamzah Rizky Fadhillah Saragih; Suhaila Zulkifli; Tajuddin Noor
Verdict: Journal of Law Science Vol. 5 No. 3 (2026): Verdict: Journal of Law Science
Publisher : CV WAHANA PUBLIKASI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59011/vjlaws.5.3.2026.461-476

Abstract

This study aims to identify legal gaps in Indonesia’s regulatory framework for debtor protection in online lending services, evaluate the effectiveness of debt collection mechanisms implemented by fintech lending providers, and formulate legal solutions to strengthen protection against abusive collection practices. This research employs a normative legal method with a qualitative approach by examining statutory regulations, legal doctrines, and relevant literature, particularly the Financial Services Authority Regulation (POJK) Number 10/POJK.05/2022, the Consumer Protection Law, and Law Number 27 of 2022 on Personal Data Protection. The findings reveal that Indonesia has established preventive protection through transparency and consumer information disclosure, as well as repressive protection through complaint and dispute resolution mechanisms, including the Financial Services Authority Consumer Protection Application (APPK) and the Financial Services Sector Alternative Dispute Resolution Institution (LAPS SJK). However, implementation remains ineffective due to legal gaps, including the absence of detailed technical standards for ethical debt collection, weak supervision of third-party debt collectors, inadequate victim recovery mechanisms, and administrative sanctions with limited deterrent effects. Violations such as intimidation, unauthorized disclosure of personal data, harassment of emergency contacts, and the use of false legal documents persist. Comparative analysis with Singapore, the United States, and the European Union indicates that Indonesia primarily requires stronger implementation and enforcement rather than additional legislation. Accordingly, this study recommends regulatory harmonization, stronger supervision, standardized debt collection guidelines, and improved legal and digital literacy to strengthen sustainable debtor protection.
Dampak Media Sosial terhadap Penegakan Hukum di Indonesia pada Era Revolusi Industri 4.0 Sukses Marhasak Panungkunan Siburian; Melia Putri Tanisha; Theresia Titania Lai; Suhaila Zulkifli
Verdict: Journal of Law Science Vol. 5 No. 3 (2026): Verdict: Journal of Law Science
Publisher : CV WAHANA PUBLIKASI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59011/vjlaws.5.3.2026.494-509

Abstract

The rapid development of social media in the era of the Fourth Industrial Revolution has transformed public communication and significantly influenced the effectiveness of law enforcement in Indonesia. This study aims to analyze the adequacy of the existing legal framework governing social media use and examine its influence on law enforcement effectiveness. This research employs a normative legal method using statutory, conceptual, and analytical approaches through a literature review of legislation, legal doctrines, scholarly publications, and supporting data from the Central Statistics Agency (BPS) and the National Criminal Information Center (Pusiknas) of the Indonesian National Police. The findings reveal that social media positively contributes to law enforcement by enhancing transparency, accountability, public participation, crime reporting, and the use of digital evidence. However, it also presents challenges, including the rise of cybercrime, the no viral, no justice phenomenon, and trial by social media, which may undermine the independence of law enforcement officials and the application of the due process of law principle. Indonesia has established a legal framework through the Electronic Information and Transactions Law, the Personal Data Protection Law, and the new Criminal Code. Nevertheless, their implementation remains constrained by ambiguous provisions, limited harmonization among regulations, and the need to keep pace with rapid technological developments. Therefore, more adaptive legal reforms, stronger institutional capacity, and improved public digital literacy are necessary to ensure that law enforcement in the era of the Fourth Industrial Revolution remains effective, impartial, and capable of providing legal certainty.