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All Journal Jurnal Ilmu Hukum The Juris Collegium Studiosum Journal Journal Indonesia Law and Policy Review (JILPR)
Kursiswanti, Eli Tri
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Humanities Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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PERLINDUNGAN HUKUM TERHADAP NASABAH PINJAMAN ONLINE Roswitha, Aji Titin; Kursiswanti, Eli Tri; Japri, Muhammad; Kristian , Agata
Collegium Studiosum Journal Vol. 7 No. 1 (2024): Collegium Studiosum Journal
Publisher : LPPM STIH Awang Long

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56301/csj.v7i1.1319

Abstract

Easy credit loans online are becoming popular, but many cases have also arisen because of this. People are currently liking easy online credit loans because the process is easy and very helpful when you are in dire need and there are no funds yet. Online loans, which are usually driven by fintech companies, are also often used as loans for shopping for consumer goods in the community. Unfortunately, there are many cases of online loans that harm users. People no longer need to go to the bank to apply directly to get a loan, the process of borrowing money can simply be accessed via a smartphone, such as the Apple Store (IOS) or Google Play Store (Android) or a laptop connected to the internet. In this article the author uses a juridical approach normative, because of its approach, this model of legal research is called normative legal research. By using Primary Legal materials, the legal basis for Online Loans is regulated in Financial Services Authority Regulation Number 77/POJK.01/2016 concerning Information Technology-Based Money Lending and Borrowing Services.
LOVE SCAMMING DALAM JERAT HUKUM PIDANA Sultan; Nursanthy, Aji Titin Roswitha; Kursiswanti, Eli Tri
The Juris Vol. 8 No. 2 (2024): JURNAL ILMU HUKUM : THE JURIS
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat STIH Awang Long

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56301/juris.v8i2.1440

Abstract

Love scamming adalah pelaku penipuan yang menggunakan identitas palsu untuk mencari cinta dan mendapatkan uang dari korbannya. Penipuan ini dilakukan secara daring dan merupakan salah satu modus cybercrime. Modus operandi love scammer adalah: Menggunakan media sosial untuk mempelajari calon korban, Berpura-pura mencari pasangan, Meminta nomor handphone korban untuk berkomunikasi percintaan, Mengirim foto-foto seksi untuk meyakinkan korban, Membujuk korban untuk berbisnis. Penelitian ini adalah penelitian kepustakaan yang bersifat studi literature. Penelitian ini mengangkat permasalahan pidana Love Scamming. Dalam tulisan ini penulis menggunakan pendekatan yuridis normatif, karena pendekatannya maka penelitian hukum model ini disebut dengan penelitian hukum normative. Ketentuan-ketentuan hukum merupakan bahan hukum primer meliputi Kitab Undang-Undang Hukum Pidana (KUHP) . Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik (UU ITE). Undang-Undang Nomor 1 Tahun 2023 tentang Kitab Undang-Undang Hukum Pidana. Pasal 378 KUHP mengatur penipuan dengan menggunakan nama palsu atau tipu muslihat untuk mendapatkan keuntungan secara melawan hukum. Sementara itu, Pasal 28 ayat (1) UU ITE mengatur penipuan yang terjadi dalam ranah digital. Namun, penerapan kedua undang-undang ini pada kasus love scam seringkali menimbulkan konflik norma. Untuk memastikan kejelasan dan efektivitas dalam menangani kasus love scam, diperlukan harmonisasi antara KUHP dan UU ITE.
LIMITS OF DEFAULT AND FRAUD IN LOAN AGREEMENTS Wijaya, Adi; Kursiswanti, Eli Tri; Liwa, Maria Ana
JILPR Journal Indonesia Law and Policy Review Vol. 6 No. 3 (2025): Journal Indonesia Law and Policy Review (JILPR), June 2025
Publisher : International Peneliti Ekonomi, Sosial dan Teknologi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56371/jirpl.v6i3.506

Abstract

This article examines the legal boundaries between default (breach of contract) and fraud in loan agreements under Indonesian law. Although default is essentially a civil matter arising from contractual relationships, in practice, many cases are criminalized under fraud charges. The study employs a normative juridical method with a doctrinal approach, relying on statutory interpretation of the Indonesian Civil Code (Article 1320) and the Criminal Code (Article 378), supported by legal scholarship, jurisprudence, and case examples. Through qualitative analysis of primary, secondary, and tertiary legal materials, the study highlights how good faith distinguishes default from fraud, while fraudulent intent (mens rea) can shift a contractual breach into a criminal offense. The findings indicate that overcriminalization of contractual disputes risks undermining legal certainty and justice for parties. Therefore, law enforcement officials must carefully assess whether a dispute falls within the civil domain or fulfills the elements of a criminal act. This article concludes that default should remain a civil matter unless deceit and malicious intent are present from the outset of the agreement.
PERLINDUNGAN HUKUM TERHADAP NASABAH PINJAMAN ONLINE Roswitha, Aji Titin; Kursiswanti, Eli Tri; Japri, Muhammad; Kristian , Agata
Collegium Studiosum Journal Vol. 7 No. 1 (2024): Collegium Studiosum Journal
Publisher : LPPM STIH Awang Long

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56301/csj.v7i1.1319

Abstract

Easy credit loans online are becoming popular, but many cases have also arisen because of this. People are currently liking easy online credit loans because the process is easy and very helpful when you are in dire need and there are no funds yet. Online loans, which are usually driven by fintech companies, are also often used as loans for shopping for consumer goods in the community. Unfortunately, there are many cases of online loans that harm users. People no longer need to go to the bank to apply directly to get a loan, the process of borrowing money can simply be accessed via a smartphone, such as the Apple Store (IOS) or Google Play Store (Android) or a laptop connected to the internet. In this article the author uses a juridical approach normative, because of its approach, this model of legal research is called normative legal research. By using Primary Legal materials, the legal basis for Online Loans is regulated in Financial Services Authority Regulation Number 77/POJK.01/2016 concerning Information Technology-Based Money Lending and Borrowing Services.
LOVE SCAMMING DALAM JERAT HUKUM PIDANA Sultan; Nursanthy, Aji Titin Roswitha; Kursiswanti, Eli Tri
The Juris Vol. 8 No. 2 (2024): JURNAL ILMU HUKUM : THE JURIS
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat STIH Awang Long

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56301/juris.v8i2.1440

Abstract

Love scamming adalah pelaku penipuan yang menggunakan identitas palsu untuk mencari cinta dan mendapatkan uang dari korbannya. Penipuan ini dilakukan secara daring dan merupakan salah satu modus cybercrime. Modus operandi love scammer adalah: Menggunakan media sosial untuk mempelajari calon korban, Berpura-pura mencari pasangan, Meminta nomor handphone korban untuk berkomunikasi percintaan, Mengirim foto-foto seksi untuk meyakinkan korban, Membujuk korban untuk berbisnis. Penelitian ini adalah penelitian kepustakaan yang bersifat studi literature. Penelitian ini mengangkat permasalahan pidana Love Scamming. Dalam tulisan ini penulis menggunakan pendekatan yuridis normatif, karena pendekatannya maka penelitian hukum model ini disebut dengan penelitian hukum normative. Ketentuan-ketentuan hukum merupakan bahan hukum primer meliputi Kitab Undang-Undang Hukum Pidana (KUHP) . Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik (UU ITE). Undang-Undang Nomor 1 Tahun 2023 tentang Kitab Undang-Undang Hukum Pidana. Pasal 378 KUHP mengatur penipuan dengan menggunakan nama palsu atau tipu muslihat untuk mendapatkan keuntungan secara melawan hukum. Sementara itu, Pasal 28 ayat (1) UU ITE mengatur penipuan yang terjadi dalam ranah digital. Namun, penerapan kedua undang-undang ini pada kasus love scam seringkali menimbulkan konflik norma. Untuk memastikan kejelasan dan efektivitas dalam menangani kasus love scam, diperlukan harmonisasi antara KUHP dan UU ITE.
Co-Authors Adi Wijaya Japri, Muhammad Kristian , Agata Liwa, Maria Ana Nursanthy, Aji Titin Roswitha Roswitha, Aji Titin sultan