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WARDAH, ZAHROTUL
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Humanities Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Health Professions Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

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Journal : Ma'mal: Jurnal Laboratorium Syariah dan Hukum

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Tindak Pidana Teror oleh Kreditur Pinjaman Online kepada Debitur menurut Fiqh Jinayah Wardah, Zahrotul; Sufi Aqillasalsabila; Azzahrah Tush Shakira
Ma’mal: Jurnal Laboratorium Syariah dan Hukum Vol. 4 No. 5 (2023): Oktober
Publisher : Laboratorium Fakultas Syariah dan Hukum UIN Sunan Ampel Surabaya (https://uinsa.ac.id/fsh/facility)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mal.v4i5.274

Abstract

Abstract: At this time, many people are tempted by online loans because of the easy way. Many online loans are illegal and often terrorize borrowers in collecting loans. Therefore, this article discusses the criminal act of terror by online loan lenders to debtors according to positive law and Islamic law. This research is normative legal research with data collection through literature studies. The collected data is analyzed descriptively. This study concludes that the criminal act of terror by illegal online loan lenders is a criminal offence in accordance with Article 29 in Law Number 19 of 2016 concerning Electronic Information and Transactions, which is an act of sending information containing threats of violence or scare. Such violations may be punishable by imprisonment for a maximum of 4 (four) years and/or a maximum fine of Rp750,000,000.00 (seven hundred and fifty million rupiah), as stipulated in Article 45B of the ITE Law. In Islamic criminal law, the criminal act of terror by online loan creditors to debtors is an act of jarimah ta'zir. In this case, the action is condemned in Islam, and the perpetrator can be punished with ta'zir, a punishment handed over to ulil amri or judges. The ta'zir punishment can be based on Article 29 of the ITE Law. Keywords: Online loan, law, fiqh jinayah, ta'zir. Abstrak: Pada saat ini banyak masyarakat yang tergiur dengan pinjaman online, karena caranya yang mudah. Padahal, banyak pinjaman online yang ilegal dan sering meneror peminjam dalam menagih pinjaman. Karena itu, artikel ini membahas tentang tindak pidana teror oleh kreditur pinjaman online kepada debitur menurut hukum positif dan hukum Islam. Penelitian ini adalah penelitian hukum normatif dengan pengumpulan data melalui studi literatur. Data yang terkumpul dianalisis secara deskriptif. Penelitian ini menyimpulkan bahwa tindak pidana teror oleh kreditur pinjaman online ilegal merupakan tindak pidana yang sesuai dengan Pasal 29 dalam Undang-Undang Nomor 19 Tahun 2016 tentang Informasi dan Transaksi Elektronik, yaitu suatu tindakan mengirim informasi berisi ancaman kekerasan atau menakut-nakuti. Pelanggaran tersebut dapat dikenai pidana penjara paling lama 4 (empat) tahun dan/ atau denda paling banyak Rp750.000.000,00 (tujuh ratus lima puluh juta rupiah), sebagaimana diatur dalam Pasal 45B UU ITE. Dalam hukum pidana Islam, tindak pidana teror oleh kreditur pinjaman online kepada debitur merupakan tindakan jarimah ta’zir. Dalam hal ini, tindakan tersebut dikecam dalam Islam dan pelaku bisa dihukum dengan hukuman ta’zir, yakni hukuman yang diserahkan kepada ulil amri atau hakim. Hukuman ta’zir tersebut bisa didasarkan pada Pasal 29 Undang-undang ITE. Kata Kunci : Pinjaman online, hukum, Undang-undang, fiqh jinayah, ta’zir.
Co-Authors Adi Wibowo Aji Laksono, Ilham Amalia, Rizky Ardina ANDYARINI, ESTI NOVI Anis Wulandari, Anis Anita Carolina Azzahrah Tush Shakira Chairil Anwar Diniyah, Maftukhatut Fitriyah, Liza Nurmaya Indi Hidayat, Rifqi Thariq Hidayatullah, Ahmad Fauzan Ismail Ismail M Mansur, M MAS SURYANTO HS Mohamad Syahri Nugraha, Mochammad Nur Ilham Purbarini, Sofy Diah Ayu Sita Dewi, Aditya Sufi Aqillasalsabila Suhartini Ismail, Suhartini Tafsir, Tafsir Triwanto, Rio Bayu