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LEGAL REFORM DELIK CONTEMPT of COURT DALAM RUU KUHP 2019 Wirya Darma, I Made
DiH: Jurnal Ilmu Hukum Volume 16 Nomor 2 Agustus 2020
Publisher : Doctor of Law Study Program Faculty of Law, Universitas 17 Agustus 1945 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30996/dih.v16i2.3314

AbstractArticle 281 letter c of the latest draft of the 2019 Criminal Code Draft states that everyone unlawfully records, publishes directly, or permits publication of anything that could affect the impartiality of judges in a court sentenced to a maximum of 1 year in prison. Other actions that fall into the contempt of court category are being disrespectful towards judges or trials or attacking the integrity or impartiality of judges in court hearings. Likewise with the provisions of Article 282 of the 2019 Criminal Code Bill, there are two types of criminal acts that threaten advocates in the article. First, enter into an agreement with the opposing client if he knows or rightly suspects that the act could harm the client's interests. Second, influencing clerks, surrogates, bailiffs, witnesses, interpreters, investigators, public prosecutors, or judges in a case, with or without compensation. Someone can be considered violating if they meet the contempt of court offense, namely; (a) does not comply with court orders or judges' decisions issued for the benefit of the judicial process; (b) being disrespectful towards judges or trials or attacking the integrity or impartiality of judges in court hearings; (c) and illegally record, publish directly, or allow to be published anything that could affect the impartiality of the judge in a court of law. The editorial of the article needs to be clarified, for example related to what is meant by disrespectful actions or attacking the integrity of judges so as not to cause multiple interpretations in its application. So there is the potential for criminalization of those who criticize or broadcast information, thus affecting the independence of judges. There is concern that the contempt of court article or contempt of the court in the Criminal Code Bill has the potential to become a rubber article. The offense contempt of court is already regulated in the Criminal Code, but the concept of the contempt of court in the Criminal Code Bill has a different interpretation which is even more targeted at judicial critics.Keywords: contempt of court; criminal law; legal reform AbstrakPasal 281 huruf c draf terbaru RUU KUHP 2019 menyatakan, setiap orang secara melawan hukum merekam, mempublikasikan secara langsung, atau membolehkan untuk dipublikasikan segala sesuatu yang dapat mempengaruhi sifat tidak memihak hakim dalam sidang pengadilan dipidana penjara paling lama 1 tahun. Tindakan lain yang masuk dalam kategori contempt of court yakni bersikap tidak hormat terhadap hakim atau persidangan atau menyerang integritas atau sifat tidak memihak hakim dalam sidang pengadilan. Demikian juga dengan ketentuan Pasal 282 RUU KUHP 2019, ada dua jenis tindak pidana yang mengancam advokat di pasal tersebut. Pertama, mengadakan kesepakatan dengan pihak lawan klien jika mengetahui atau sepatutnya menduga bahwa perbuatan tersebut dapat merugikan kepentingan kliennya. Kedua, mempengaruhi panitera, panitera pengganti, juru sita, saksi, juru bahasa, penyidik, penuntut umum, atau hakim dalam perkara, dengan atau tanpa imbalan. Seseorang bisa dianggap melanggar bila memenuhi delik contempt of court, yakni; (a) tidak mematuhi perintah pengadilan atau penetapan hakim yang dikeluarkan untuk kepentingan proses peradilan; (b) bersikap tidak hormat terhadap hakim atau persidangan atau menyerang integritas atau sifat tidak memihak hakim dalam sidang pengadilan; (c) dan secara melawan hukum merekam, mempublikasikan secara langsung, atau membolehkan untuk dipublikasikan segala sesuatu yang dapat mempengaruhi sifat tidak memihak hakim dalam sidang pengadilan. Redaksional dari pasal tersebut perlu diperjelas, misalnya terkait dengan apa yang dimaksud tindakan tidak hormat atau menyerang integritas hakim sehingga tidak menimbulkan multitafsir dalam penerapannya. Sehingga ada potensi kriminalisasi terhadap pihak-pihak yang mengkritik atau menyiarkan informasi, sehingga memengaruhi independensi hakim. Muncul kekhawatiran pasal contempt of court atau penghinaan terhadap pengadilan dalam RUU KUHP berpotensi jadi pasal karet. Delik contempt of court memang sudah diatur dalam KUHP, namun konsep contempt of court dalam RUU KUHP memiliki tafsir berbeda yang justru lebih menyasar pengkritik peradilan.Kata kunci: contempt of court; hukum pidana; legal reform

LEGAL REFORM DELIK CONTEMPT of COURT DALAM RUU KUHP 2019 Wirya Darma, I Made
DiH: Jurnal Ilmu Hukum Volume 16 Nomor 2 Agustus 2020
Publisher : Doctor of Law Study Program Faculty of Law, Universitas 17 Agustus 1945 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30996/dih.v16i2.3314

AbstractArticle 281 letter c of the latest draft of the 2019 Criminal Code Draft states that everyone unlawfully records, publishes directly, or permits publication of anything that could affect the impartiality of judges in a court sentenced to a maximum of 1 year in prison. Other actions that fall into the contempt of court category are being disrespectful towards judges or trials or attacking the integrity or impartiality of judges in court hearings. Likewise with the provisions of Article 282 of the 2019 Criminal Code Bill, there are two types of criminal acts that threaten advocates in the article. First, enter into an agreement with the opposing client if he knows or rightly suspects that the act could harm the client's interests. Second, influencing clerks, surrogates, bailiffs, witnesses, interpreters, investigators, public prosecutors, or judges in a case, with or without compensation. Someone can be considered violating if they meet the contempt of court offense, namely; (a) does not comply with court orders or judges' decisions issued for the benefit of the judicial process; (b) being disrespectful towards judges or trials or attacking the integrity or impartiality of judges in court hearings; (c) and illegally record, publish directly, or allow to be published anything that could affect the impartiality of the judge in a court of law. The editorial of the article needs to be clarified, for example related to what is meant by disrespectful actions or attacking the integrity of judges so as not to cause multiple interpretations in its application. So there is the potential for criminalization of those who criticize or broadcast information, thus affecting the independence of judges. There is concern that the contempt of court article or contempt of the court in the Criminal Code Bill has the potential to become a rubber article. The offense contempt of court is already regulated in the Criminal Code, but the concept of the contempt of court in the Criminal Code Bill has a different interpretation which is even more targeted at judicial critics.Keywords: contempt of court; criminal law; legal reform AbstrakPasal 281 huruf c draf terbaru RUU KUHP 2019 menyatakan, setiap orang secara melawan hukum merekam, mempublikasikan secara langsung, atau membolehkan untuk dipublikasikan segala sesuatu yang dapat mempengaruhi sifat tidak memihak hakim dalam sidang pengadilan dipidana penjara paling lama 1 tahun. Tindakan lain yang masuk dalam kategori contempt of court yakni bersikap tidak hormat terhadap hakim atau persidangan atau menyerang integritas atau sifat tidak memihak hakim dalam sidang pengadilan. Demikian juga dengan ketentuan Pasal 282 RUU KUHP 2019, ada dua jenis tindak pidana yang mengancam advokat di pasal tersebut. Pertama, mengadakan kesepakatan dengan pihak lawan klien jika mengetahui atau sepatutnya menduga bahwa perbuatan tersebut dapat merugikan kepentingan kliennya. Kedua, mempengaruhi panitera, panitera pengganti, juru sita, saksi, juru bahasa, penyidik, penuntut umum, atau hakim dalam perkara, dengan atau tanpa imbalan. Seseorang bisa dianggap melanggar bila memenuhi delik contempt of court, yakni; (a) tidak mematuhi perintah pengadilan atau penetapan hakim yang dikeluarkan untuk kepentingan proses peradilan; (b) bersikap tidak hormat terhadap hakim atau persidangan atau menyerang integritas atau sifat tidak memihak hakim dalam sidang pengadilan; (c) dan secara melawan hukum merekam, mempublikasikan secara langsung, atau membolehkan untuk dipublikasikan segala sesuatu yang dapat mempengaruhi sifat tidak memihak hakim dalam sidang pengadilan. Redaksional dari pasal tersebut perlu diperjelas, misalnya terkait dengan apa yang dimaksud tindakan tidak hormat atau menyerang integritas hakim sehingga tidak menimbulkan multitafsir dalam penerapannya. Sehingga ada potensi kriminalisasi terhadap pihak-pihak yang mengkritik atau menyiarkan informasi, sehingga memengaruhi independensi hakim. Muncul kekhawatiran pasal contempt of court atau penghinaan terhadap pengadilan dalam RUU KUHP berpotensi jadi pasal karet. Delik contempt of court memang sudah diatur dalam KUHP, namun konsep contempt of court dalam RUU KUHP memiliki tafsir berbeda yang justru lebih menyasar pengkritik peradilan.Kata kunci: contempt of court; hukum pidana; legal reform

KELEMAHAN YURIDIS FORMAL PELAKSANAAN PERSIDANGAN PIDANA MELALUI TELECONFERENCE SAAT PANDEMI COVID-19 Wirya Darma, I Made
DiH: Jurnal Ilmu Hukum Volume 17 Nomor 2 Agustus 2021
Publisher : Doctor of Law Study Program Faculty of Law, Universitas 17 Agustus 1945 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30996/dih.v17i2.5179

AbstractThe implementation of virtual trials through teleconference is seen as in line with social distancing and physical distancing policies, in order to reduce the pace of development of the Covid-19 Pandemic. As a quick response to the Supreme Court in ensuring the protection of judicial officials, justice seekers, court users including defendants who are dealing with the law, the Supreme Court has issued Supreme Court Circular (SEMA) Number 1 of 2020 concerning Guidelines for Implementing Tasks During the Prevention Period of the Spread of Covid-19 in The environment of the Supreme Court and the Judiciary Bodies that are under it. Within the prosecutor's office, the trial using this teleconference facility refers to the Instruction of the Attorney General of the Republic of Indonesia Number 5 of 2020 concerning Policies for Implementing Tasks and Handling Cases During the Prevention Period for the Spread of COVID-19 in the Public Prosecutor's Office of the Republic of Indonesia on March 27, 2020. Referring to the judicial system criminal law in Indonesia, online court proceedings are a legal breakthrough (rules breaking) in a positive sense. However, in practice the implementation of online trials still encounters obstacles or obstacles.Keywords: online trial; teleconference criminal hearing; virtual courtAbstrakPelaksanaan persidangan virtual melalui sarana teleconference dipandang seiring dengan kebijakan social distancing dan phisyical distancing, guna menekan laju perkembangan Pandemi Covid-19. Sebagai respons cepat Mahkamah Agung dalam menjamin terlindunginya aparatur peradilan, pencari keadilan, pengguna pengadilan termasuk terdakwa yang sedang berhadapan dengan hukum, maka MA telah mengeluarkan Surat Edaran Mahkamah Agung (SEMA) Nomor 1 Tahun 2020 tentang Pedoman Pelaksanaan Tugas Selama Masa Pencegahan Penyebaran Covid-19 di Lingkungan Mahkamah Agung dan Badan Peradilan yang Berada Di Bawahnya. Di lingkungan kejaksaan, persidangan dengan menggunakan sarana teleconference ini merujuk pada Instruksi Jaksa Agung Republik Indonesia Nomor 5 Tahun 2020 tentang Kebijakan Pelaksanaan Tugas dan Penanganan Perkara Selama Masa Pencegahan Penyebaran COVID-19 di Lingkungan Kejaksaan Republik Indonesia pada tanggal 27 Maret 2020. Merujuk kepada sistem peradilan pidana di Indonesia, pelaksanaan sidang secara online merupakan terobosan hukum (rules breaking) dalam makna yang positif. Namun, dalam praktiknya pelaksanaan persidangan online masih menemui kendala atau hambatan.

PENEGAKKAN PERATURAN DAERAH KOTA DENPASAR NOMOR 26 TAHUN 2001 TENTANG PENYELENGGARAAN PENGUJIAN KENDARAAN BERMOTOR I Made Aditya Wiryadarma; I Gusti Ngurah Wairocana
Kertha Negara : Journal Ilmu Hukum Vol. 03, No. 03, September 2015
Publisher : Kertha Negara : Journal Ilmu Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (96.285 KB)

Pengujian kendaraan bermotor di Kota Denpasar diatur berdasarkan PeraturanDaerah Nomor 26 Tahun 2001, pelaksanaannya diserahan kepada DinasPerbuhubungan Kota Denpasar. Permasalahnya adalah Bagaimana pelaksanaanpengujian kendaraan bermotor berdasarkan UU No. 23 Tahun 2014 ? dan Faktorfaktorapa yang menyebabkan terhambatnya pelaksanaan pengujian kendaraanbermotor di Kota Denpasar ?. Metode yang dipergunakan metode penelitianhukum emperis dengan melakukan wawancara dengan pihak terkait danmelakukan perbandingan terhadap beberapa peraturan yang berlaku. Pelaksanaanpengujian kendaraan sesuai dengan Perda Kota Denpasar No. 26 tahun 2001adalah kewenangan Pemerintah Kota Denpasar dimana setiap KendaraanBermotor yang dioperasikan di Jalan harus memenuhi persyaratan teknis dan laikjalan, dalam mengajukan pengujian kendaraan bermotor peryaratan harusterpenuhi seperti seluruh perlengkapan kendaraan, kendaraan yang di uji haris laikjalan. Faktor penghambat terlaksananya pengujian kendaraan bermotor di KotaDenpasar adalah faktor Penegak hukumnya yaitu para aparat kurang tegas; danfaktor Sarana dan Prasarana yaitu kurangnya sarana pendukung didalammelakukan uji kendaraan dan sangat mahalnya alat-alat ujin kendaraan,sehinggamasih menggunakan alat uji kendaraan yang lama.

Mutual Legal Assistance (Mla) In The Resolution of Narcotics Crime As A Transational Organized Crime I Made Wirya Darma; Ni Nyoman Sri Wisudawati; I Gede Agus Kurniawan
Kertha Patrika Vol 42 No 1 (2020)
Publisher : Fakultas Hukum Universitas Udayana

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In the context of enforcing the law on narcotics crime which are transnational, Indonesia since 2006 has encated Law Number 1 of 2006 on Mutual Legal Assistance in Criminal Matters. Prevention and eradication of various transnational crimes, especially narcotic drugs, a mutual assistance agreement in criminal matters is one of the legal instruments that is needed. Therefore, the presence of bilateral agreements on mutual assistance in criminal matters between Indonesia and other countries will support law enforcement efforts as expected in enforcing the law against transnational narcotics offenders. This study focuses on several indications that become a reference in the handling of narcotics and psychotropic crimes as one of transnational organized crime through the mechanism of Mutual Legal Assistance (MLA). The method used in this study is normative legal research by reviewing and analyzing the provisions of the law governing Mutual Legal Assistance (MLA) in Indonesia, especially against narcotics crime. The results showed that mutual assistance in the problem of narcotics crime as a type of transnational organized crime can be done based on an agreement and in case of the absence of agreement, the assistance is carried out on the basis of good relations.

Legal Protection for Child Kidnapping Victims: Case Study in Gianyar District Court Komang Suartana; I Made Wirya Darma
Kertha Patrika Vol 42 No 3 (2020)
Publisher : Fakultas Hukum Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/KP.2020.v42.i03.p07

This article aims to analyze how the crime of child kidnapping is covered in the Indonesian Criminal Code and the type of sanctions that can be imposed on the perpetrator of the crime of child kidnapping. It is a legal research that uses statutory, conceptual, and case approaches in discussing the legal protection of child kidnapping victims. In order to illustrate how the law that protects the victim of child kidnapping is applied by the court, it presents a case study at the Gianyar District Court that investigated a criminal offense of child kidnapping in 2018. The results reveal that the Indonesian Criminal Code classifies child kidnapping as a crime that is punishable as stipulated in Article 330 of the Code. In a more specific context, Law of the Republic of Indonesia Number 35 of 2014 concerning Amendments to Law Number 22 of 2003 concerning Child Protection includes child kidnapping as a case that needs to be given special protection A case study regarding the imposing of sanctions on the perpetrator of child kidnapping can be seen in a criminal case before the District Court of Gianyar in 2018. In the judgment, the panel of judges imposing a sentence against the defendant in the form of imprisonment of 8 (eight) years in prison and a fine of Rp. 60,000,000 (sixty million rupiah) subsidiary 6 (six) months in prison;

The Penal Policy Formulation in Cyberporn Crime Countermeasures I Made Wirya Darma
Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 10 No 1 (2021)
Publisher : University of Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JMHU.2021.v10.i01.p03

Criminal law reform must refer to the penal policy. The penal policy can be interpreted as holding a selection to achieve the best results of criminal legislation that meets the requirements of justice and effectiveness. Penal policy in the eradication of cyberporn is always associated with the advancement of technology that can not be separated from the development of the society that utilizes internet technology in various fields both in the fields of education, offices, and companies and so on. Through crime countermeasures policies using penal means, the existence of a law is obviously expected to further enhance the repressive function of criminal law. One of the efforts to tackle cyberporn crimes through the penal means is to apply the provisions of applicable laws such as the Criminal Code, Law Number 40 of 1999 concerning the Press, Law Number 32 of 2002 concerning Broadcasting, Law Number 19 of 2016 concerning Information and Electronic Transactions, Law Number 33 of 2009 concerning Film. However, apparently, the law still has limitations to compensate for the increasingly rapid development of cyberporn, including the provision of unclear pornographic restrictions. Therefore it is necessary to have a revision in Indonesian criminal law, especially against the Criminal Code which is a product of the legacy of the Dutch colonial era.

Legal Inconsistency over the Blood Donor Unit and Blood Transfusion Unit Existence in Realizing Indonesia Blood Transfusion Services Authority I Made Wirya Darma; I Gede Agus Kurniawan; Gede Eka Rusdi Antara
Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 11 No 1 (2022)
Publisher : University of Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JMHU.2022.v11.i01.p05

This study specifically focusing on uncertainty and inconsistencies that faced on blood transfusion services caused by the existence of Blood Donor Unit and Blood Transfusion Unit led by existing norms on the statutory laws. The Act on Health, the Blood Service Government Regulation, and the Minister of Health Regulation No. 83/2014 assign blood services to the Blood Transfusion Unit. However, the existence of the Red Cross Law along with the Red Cross Government Regulation normalizes the task of providing blood services to the Blood Donor Unit, without confirming legal certainty for the Blood Transfusion Unit. This has triggered the issue of legal inconsistency towards those who carry out blood services, so a solution is needed through this study. This study is based on normative juridical legal research supported by a statutory approach as well as a legal conceptual approach. The results of this study are there are two options that can be formulated in the future, namely by basing the principle of legal preference lex posteriori derogate legi priori or based on the technique of formulating statutory norms according to the principle of clarity of formulation, certainty of the formulation of explanations, transitional provisions, closing provisions and phrases that selected in determining the executor of blood service duties.

The Principle of Iknemook for Mediator in Medical Malpractice Dispute Settlement Through Mediation Made Wirya Darma; I Gusti Agung Ayu Mas Triwulandari; I Gede Agus Kurniawan
Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 9 No 1 (2020)
Publisher : University of Udayana

The agreement is made to undertake a treatment for an illness, which resulted in the conclusion of a therapeutic contract under Laws as regulated under Article 1233 of the Civil Code of Indonesia (Kitab Undang-Undang Hukum Perdata). Every legal relationship will result in rights and obligations. Medical malpractice is usually caused by an unfulfillment of a patient’s basic rights because of the lack of communication or information, which are the basic rights of a patient. The dispute settlement through court system is unsatisfactory for either patient or doctor. Therefore, a dispute settlement that is considered ideal is through non-litigation process, which is mediation, to achieve win-win solution. Procedures for mediators to mediate such malpractice dispute are in accordance to seven principles, which are also regarded as the seven bbaasic philosophies of mediation for medical dispute, which are known as the principle of Iknemook. The contents of the Iknemook principle for mediator in medical malpractice dispute settlement through mediation are the problems in this research. This research aims to assess and study the seven principles of Iknemook for mediator in medical malpractice dispute settlement through mediation. This research is categorised as a library research with a specification of descriptive research, which is presented to explain Iknemook principles for mediator in medical malpractice dispute settlement through mediation. This research finds that the principles comprised of the principles of good faith of both parties, trust, neutrality, exclusivity of a mediator (med-power), open-mind, autonomy, and confidentiality.

PERLINDUNGAN HUKUM PARA PIHAK DALAM PERJANJIAN KREDIT ONLINE (P2P LENDING) STUDI KASUS PT VCARD TECHNOLOGY INDONESIA I Made Wirya Darma; Putu Gede Andre Putra Jadnya
PADJADJARAN Jurnal Ilmu Hukum (Journal of Law) Vol 6, No 3 (2019): PADJADJARAN JURNAL ILMU HUKUM (JOURNAL OF LAW)
Publisher : Faculty of Law, Universitas Padjadjaran

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The development of digital economy has led people to adapt to the use of services in information-technology-based loan or peer-to-peer lending. In early 2019, the V-loan case attracted attention of many people. The case has made debtors depressed, removed from their own houses, etc. Some debtors even were fired from works. In a case, the loan provider misused debtors’ personal data in debtors’ cell phones. The loan provider created WhatsApp groups containing all debtors’ contacts, including the debtors. Then, they uploaded pornographic content. Their objective was to defame debtors. Parties involved in loan agreement should adhere rules and arrange for reasonable loan. To discuss this matter, it is necessary to review agreement based on the Law on Electronic Information and Transaction and the Regulation of Financial Services Authority number 77 of 2016. The study focused on legal protection of parties involving in P2P lending activities. The credit agreement of peer-to-peer lending is considered valid if it is based on Article 47 of the Government Regulation number 82 of 2016. Standard contract must be based on Article 20 of the Regulation of Financial Services Authority number 77 of 2016. Electronic signature is also required based on Article 41 of the Regulation. In addition, the application of information technology and electronic transactions must be carried out based on the principles of legal certainty, benefits, good faith, and the freedom of choice of technology based on Article 3 of Law Number 19 of 2016. Principles and objectives are fundamental elements of legal certainty. Therefore, organizer and the government must protect user of peer-to-peer lending.Perlindungan Hukum Para Pihak dalam Perjanjian Kredit Online (P2P Lending) Studi Kasus PT Vcard Technology Indonesia AbstrakPerkembangan ekonomi digital menuntun masyarakat terhadap adaptasi penggunaan layanan dalam kegiatan pinjam meminjam uang berbasis teknologi informasi atau P2P lending. Kasus yang menyorot perhatian di awal tahun 2019 ialah kasus Vloan. Kasus ini membuat debiturnya tertekan, diusir dari rumah, bahkan sampai kehilangan pekerjaan dengan menyalahgunakan data pribadi yang ada pada ponsel debitur dengan cara membuat grup whatsapp berisi seluruh kontak pada ponsel debitur termasuk debitur itu sendiri kemudian melakukan penagihan yang tidak beretika dengan menyebarkan konten pornografi dan pencemaran nama baik. Para pihak seharusnya mengikuti aturan yang berlaku dan penyelenggara menghindari praktik penagihan yang tidak wajar. Untuk membahas hal tersebut perlu ditinjau perjanjian yang mengacu pada UU ITE dan POJK 77/2016 dan perlindungan hukum para pihak terhadap kegiatan P2P lending. Keabsahan perjanjian kredit P2P lending dinyatakan sah apabila memenuhi ketentuan yang diatur di dalam Pasal 47 PP 82/2016, kontrak baku yang disediakan oleh penyelenggara paling sedikit memuat ketentuan yang diatur di dalam Pasal 20 POJK 77/2016, dan tanda tangan elektronik juga wajib dipergunakan sesuai dengan ketentuan Pasal 41 POJK 77/2016. Selain itu, pemanfaatan teknologi informasi dan transaksi elektronik wajib dilaksanakan berdasarkan asas kepastian hukum, manfaat, itikad baik, dan asas kebebasan memilih teknologi/netral teknologi yang diatur di dalam Pasal 3 UU 19/2016, sebab asas dan tujuan merupakan kunci dari perbuatan hukum yang andal, khususnya dalam kegiatan P2P lending yang beroperasi menggunakan teknologi informasi dan komunikasi dan Perlindungan hukum pengguna tidak akan dapat dilindungi ketika tidak didukung oleh peran para pihak seperti penyelenggara, pengguna, dan pemerintah.Kata Kunci: Fintech, P2P Lending, Perlindungan Hukum https://doi.org/10.22304/pjih.v6n3.a5

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