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All Journal Jurnal Penelitian dan Pengembangan Pendidikan Jurnal Asy-Syari'ah JURNAL CENDEKIA HUKUM Journal of RESIDU Unes Law Review Altius: Jurnal Ilmu Olahraga dan Kesehatan Indonesian Journal of Religion and Society Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial International Journal of Management and Business (IJMB) Zaaken: Journal of Civil and Business Law Abditeknika - Jurnal Pengabdian Kepada Masyarakat Journal Of Human And Education (JAHE) Jurnal Ilmu Sosial dan Humaniora Journal of Education Technology Information Social Sciences and Health SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum Innovative: Journal Of Social Science Research Farmers: Journal of Community Services Causa: Jurnal Hukum dan Kewarganegaraan VISA: Journal of Vision and Ideas Journal of Innovative and Creativity International Journal of Technology Vocational Education and Training (IJTVET) SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum Journal of Law, Society and Living Norms
Ratih Agustin Wulandari
Universitas Dharmas Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Other

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Journal : Journal of Innovative and Creativity

 1 
Consumer Protection in Illegal Online Lending Practices: A Private Law Analysis and Enforcement Efforts Ratih Agustin Wulandari; Toni Nieta; Ahmad Taufik
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.2848

Abstract

This research critically examines consumer protection within the context of illegal online lending practices in Indonesia, analyzed through the lens of private law. The proliferation of unauthorized online lending platforms has exposed individuals to severe financial and psychological harm due to exorbitant interest rates, hidden fees, and coercive collection methods, highlighting a pressing need for robust legal safeguards. Employing a normative legal research methodology, this study primarily analyzes relevant statutes, legal doctrines, and case law pertaining to contract law, consumer protection, and torts. It identifies the inherent violations of private law principles by illegal lenders and scrutinizes the effectiveness of existing legal remedies and enforcement efforts by regulatory bodies and law enforcement. The findings reveal persistent challenges in applying current legal frameworks to the complex nature of illegal online lending, emphasizing the need for clearer legal interpretations, enhanced inter-agency coordination, and strengthened mechanisms for data protection and digital evidence. This study aims to contribute to legal scholarship and inform policy recommendations for more effective consumer protection against illicit online lending activities.
Perlindungan Hukum Bagi Mahasiswa Penggunaan Shopee Paylater Dewi Pramita; Ratih Agustin Wulandari; Gisha Dilova
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.3166

Abstract

Pesatnya perkembangan teknologi finansial (fintech) dan e-commerce di Indonesia telah melahirkan berbagai inovasi layanan keuangan, salah satunya adalah layanan beli sekarang, bayar nanti (BNPL) yang populer. Shopee PayLater, sebagai layanan BNPL terkemuka, menawarkan kemudahan bertransaksi dengan sistem "beli sekarang, bayar nanti" yang sangat diminati oleh berbagai kalangan, termasuk mahasiswa. Penelitian ini menganalisis perlindungan hukum bagi mahasiswa Universitas Dharmas Indonesia (UNDHARI) sebagai pengguna Shopee PayLater dan mengevaluasi tingkat kesadaran hukum mereka. Penelitian ini menggunakan metode hukum empiris dengan pendekatan deskriptif-analitis. Data dikumpulkan melalui survei dan wawancara dengan 50 mahasiswa UNDHARI, serta studi dokumen peraturan terkait. Hasilnya menunjukkan adanya kesenjangan yang signifikan antara tingginya penggunaan layanan dan rendahnya pemahaman hukum. Mayoritas mahasiswa belum sepenuhnya memahami risiko gagal bayar, sanksi, dan peraturan perundang-undangan, seperti Peraturan Otoritas Jasa Keuangan (POJK). Secara normatif, siswa dilindungi oleh Undang-Undang Perlindungan Konsumen dan POJK, tetapi implementasi perlindungan ini belum efektif karena minimnya literasi hukum dan keuangan di antara mereka. Studi ini menyimpulkan bahwa diperlukan upaya kolaboratif antara lembaga pendidikan, Otoritas Jasa Keuangan (OJK), dan penyedia layanan untuk meningkatkan edukasi dan literasi keuangan digital guna menciptakan perlindungan konsumen yang optimal bagi siswa.
Co-Authors Ahmad Taufik Ainul Badri Aji Tomi Rahmawan Alfito, Revi Yulia Ambiyar, Ambiyar Andang Purnomo, Wulan Bardisbah Bardisbah Darussalam Darussalam Dewi Pramita Dilova, Gisha Dwi Armanda, Septia Efendi, Raimon Eka Ermawati, Eka Eliza Eliza Eliza Eliza Erlina Purwaningsih Fauzi Tri Yuniko Firdaus Diezo Firdaus Firdaus Gisha Dilova Gunawan Ali, Gunawan Guntoro, Eko Joko Hilmy Nopra Mulya Indra Indra Irawan, Fira Iskandar Iskandar Izzati Afta Rizki Malma Purnama, Sherli Marhaeningsih, Marhaeningsih Muhammad Adisyah Putra Muhammad Ihsan Muhammad Ikhwan Muhammad Sukron Oktaviani Oktaviani Ramadhani, Wili Renta Yuni Yanti Rila Ananda Putri Rizki, Izzati Afta Sri Wahyuni Sudibyo, Heri Suryana, Febriyanno Toni Nieta Tri Yuniko, Fauzi Vani Meisy, Tri Vivie Nurfauziah Rukmini, Neng Wandira Wandira Waskito Waskito, Waskito Wetria Fauzi Widya Wahyu Utami Yanti, Arifatul Yuniko, Fauzi Tri