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All Journal Jurnal Ius Constituendum Proceeding International Conference Restructuring and Transforming Law
Riza Restianti
Universitas Muhammadiyah Surakarta
Law, Crime, Criminology & Criminal Justice

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Smart City Development Projections through Implementation of City Spatial Planning Policies in Building The City of Solo Luky Tri Sasongko; Arsya Yulhandi; Azizah Alvisahrin; Riza Restianti; Wahyu Cahya Ningrum
Proceeding International Conference Restructuring and Transforming Law 2024: Proceeding International Conference Restructuring and Transforming Law (Special Issue)
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

Development is part of the realization of general welfare to organize national life. The development of smart cities in Indonesia has attracted attention since the beginning of the new order until now. Therefore, the Indonesian government remains committed to overcoming the complexities of housing development by developing progressive policies that prioritize inclusiveness, poverty and poverty. In Indonesia, urban development can be achieved through urban development policies implemented by the government. From a sustainable development perspective, smart cities also address impacts on the urban environment.
Legal Reconstruction of Guarantee Institutions In Online Loan Disputes without Collateral Riza Restianti; Kelik Wardiono
Jurnal Ius Constituendum Vol. 10 No. 3 (2025): OCTOBER
Publisher : Magister Hukum Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/jic.v10i3.12823

Abstract

Riza Restianti, Kelik Wardiono Faculty of Law and Political Science, Muhammadiyah University of Surakarta, Surakarta, Indonesia c100210168@student.ums.ac.id   Abstract   This study analyzes the juridical implications of Decision No. 150/Pdt.G/2021/PN Cbi concerning the legal status of guarantee institutions in online loan disputes and their impact on legal protection and certainty. The absence of valid collateral in fintech-based lending has led to an increasing number of disputes, weakening creditors’ legal standing and contractual enforcement. This research aims to evaluate how the court’s interpretation in this decision reshapes the validity and enforceability of guarantees in digital lending contracts. Using a normative juridical method supported by qualitative analysis of legislation and judicial reasoning, the study explores the court’s assessment of unsecured lending practices within the framework of civil law principles. The results indicate that the decision underscores the necessity of verifiable and enforceable collateral mechanisms to protect creditors’ rights while maintaining fairness for debtors. Furthermore, the study highlights the urgency of reforming digital credit agreements to include structured verification and legal compliance mechanisms that uphold both transparency and contractual balance. The novelty of this research lies in its critical reconstruction of guarantee validity in online loan arrangements through the lens of judicial precedent, contributing to the development of civil law and fintech governance in Indonesia. The findings provide normative recommendations for policymakers to strengthen legal certainty, accountability, and consumer protection in digital financial transactions.
Co-Authors Arsya Yulhandi Azizah Alvisahrin Kelik Wardiono Luky Tri Sasongko Wahyu Cahya Ningrum