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Journal : Journal of Social Research

Consumer Protection Against Final Decisions of the Consumer Dispute Settlement Body is a Quasi-Court Harahap, Pardamean; Sulaiman, Abdullah
Journal of Social Research Vol. 2 No. 12 (2023): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v2i12.1612

Abstract

The position of the Consumer Dispute Settlement Body in the judicial power law is not as a court institution but carries out an adjudicating function called a Quasi Court with resolution through mediation, conciliation, and arbitration, the decisions of which are final and binding.  The formulation of the problem in this paper is: Why is legal protection needed for consumers as a Quasi Court from the Final Decision of the Consumer Dispute Settlement Agency (BPSK)? Meanwhile, the method used in this research is the normative method, using a statutory and analytical approach, then the legal materials used are primary, secondary, and tertiary legal materials.  Consumers are weaker in existence than business actors, because business actors often carry out actions that can harm consumers to gain profits, therefore consumers need to receive legal protection, even though UUPK has been formed to resolve disputes through the Consumer Dispute Resolution Agency (BPSK), but the BPSK decision which is final and binding has not been fully implemented consistently as stated in the Consumer Protection Law (UUPK), because there is still an opportunity to submit objections for parties who object to the BPSK decision.
Procedures For Sustainable Credit Disbursement In The Banking Sector In Realizing Justice Samosir, Redy Rahmad; Sulaiman, Abdullah; Barthos, Megawati
Journal of Social Research Vol. 3 No. 2 (2024): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v3i1.1898

Abstract

This research explores sustainable lending procedures in the Indonesian banking sector, which is the key to fair and sustainable economic development. Based on Law No. 10 of 1998 concerning Amendments to Law No. 7 of 1992 concerning Banking, as well as Law No. 21 of 2011 amended by Law No. 4 of 2023 concerning Development and Strengthening of the Financial Sector, this study explores the implementation of Financial Services Authority Regulation No. 51/POJK.03/2017. Using a qualitative approach, researchers inventory and analyze relevant legal materials to assess the effectiveness of sustainable lending. The research findings show that despite progress, improvements in supervision and risk management are still needed to ensure sustainable financial practices. This research proposes a credit distribution model that takes into account the principles of justice and sustainability, through strategic coordination between financial institutions, government, and other stakeholders to achieve appropriate economic development goals based on the 1954 Constitution