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All Journal Empowerment : Jurnal Pengabdian Masyarakat JOURNAL EQUITABLE JAIM (Jurnal Abdi Masyarakat) JURNAL USM LAW REVIEW ARSY : Jurnal Aplikasi Riset kepada Masyarakat Jurnal Abdimas Kartika Wijayakusuma Jurnal Kajian Ilmu Hukum Jurnal Pengabdian Hukum Indonesia
Kurniasih, Esy
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Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : JURNAL USM LAW REVIEW

 1 
Kehadiran Aplikasi Portal Perlindungan Konsumen di Sektor Jasa Keuangan Kurniasih, Esy; Admiral, Admiral; Fudika, Moza Dela
JURNAL USM LAW REVIEW Vol. 7 No. 1 (2024): APRIL
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v7i1.8726

Abstract

This study primarily aims to identify the consumer protection portal application based on POJK RI No. 31 /Pojk.07/2020 and, secondary, how the Financial Services Authority may settle consumer disputes and safeguard customers in the financial services industry. The need for this research is urgent since it is the first to address consumer protection in the financial services industry, consumer protection portal applications, and Financial Services Authority consumer dispute resolution. The normative juridical technique is the research methodology used in this study. The explanation above leads one to conclude that Law No. 21 of 2011 establishing the Financial Services Authority's mission is why the consumer protection portal application is available. In the financial services industry, disputes are settled either out-of-court or via the Financial Services Institution first if a settlement cannot be achieved. The recommendations state that, because APPK is still used generically, an upgrade to the system is required to maximize the application of legal protection through the principles of information openness and transparency.   Tujuan dari penelitian ini adalah untuk mempelajari bagaimana portal perlindungan konsumen digunakan sesuai dengan POJK RI No. 31 /Pojk.07/2020, dan bagaimana perlindungan konsumen di Sektor Jasa Keuangan dan Penyelesaian Sengketa Konsumen Oleh Otoritas Jasa Keuangan. Penelitian ini sangat penting karena penelitian sebelumnya belum membahas topik ini. Penelitian ini menggunakan yuridis normatif. Adapun kesimpulan dari diskusi di atas, undang-undang No. 21 tahun 2011 tentang Otoritas Jasa Keuangan memungkinkan portal perlindungan konsumen. Jika sengketa di sektor jasa keuangan tidak diselesaikan melalui Lembaga Jasa Keuangan, mereka akan dilanjutkan dengan penyelesaian di pengadilan atau di luar pengadilan. Rekomendasi mengenai praktik APPK masih banyak digunakan, dan sistem harus diperbarui untuk memaksimalkan penerapan perlindungan hukum melalui prinsip keterbukaan dan transparansi informasi. 
Penetapan Harga Tunai dan Kredit Dalam Perspektif Hukum Perlindungan Konsumen Rama Prasja, Teguh; Kurniasih, Esy
JURNAL USM LAW REVIEW Vol. 8 No. 3 (2025): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v8i3.11871

Abstract

This study examines the legal implications of price disparities between cash and credit purchases and evaluates the extent of consumer protection within Indonesia’s regulatory framework. Using a normative juridical method with a statute and conceptual approach, this research analyzes laws, doctrinal sources, and secondary literature related to consumer protection and credit agreements. The findings show that price differences between cash and credit transactions are not explicitly prohibited by Law No. 8 of 1999 on Consumer Protection; however, the absence of clear norms on price transparency enables business actors to impose subjective and unequal price margins. Consumers often receive insufficient information regarding interest components, administrative fees, and risks embedded in credit schemes, while standard-form contracts further weaken their bargaining position. The study reveals a gap between normative protection and factual practices, in which institutional limitations of BPSK and the absence of preventive oversight by OJK contribute to legal uncertainty. The novelty of this research lies in proposing regulatory reform through explicit transparency obligations, expansion of OJK’s preventive supervisory role, and strengthening BPSK’s authority to impose administrative sanctions. These reforms are essential to ensure fairness, transparency, and legal certainty in credit-based sales transactions. Penelitian ini menganalisis implikasi yuridis terhadap perbedaan harga antara pembelian tunai dan kredit serta mengevaluasi tingkat perlindungan konsumen dalam kerangka regulasi di Indonesia. Metode yang digunakan adalah yuridis normatif dengan pendekatan perundang-undangan dan konseptual melalui telaah peraturan, doktrin, serta literatur yang relevan mengenai perlindungan konsumen dan perjanjian kredit. Hasil penelitian menunjukkan bahwa perbedaan harga tunai dan kredit tidak secara tegas dilarang dalam Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen; namun, ketiadaan norma eksplisit mengenai kewajiban transparansi harga membuka ruang bagi pelaku usaha untuk menerapkan selisih harga secara subjektif dan tidak merata. Konsumen umumnya tidak menerima informasi yang memadai mengenai bunga, biaya tambahan, maupun risiko kredit, sementara penggunaan kontrak baku semakin melemahkan posisi tawar mereka. Penelitian ini mengungkap adanya kesenjangan antara perlindungan normatif dan praktik faktual, diperparah oleh keterbatasan kewenangan BPSK dan belum optimalnya fungsi pengawasan preventif oleh OJK. Kebaruan penelitian ini terletak pada tawaran pembaharuan regulasi melalui kewajiban transparansi harga yang lebih tegas, perluasan fungsi pengawasan preventif OJK, serta penguatan kewenangan BPSK untuk menjatuhkan sanksi administratif. Reformasi ini penting untuk mewujudkan keadilan, transparansi, dan kepastian hukum dalam transaksi jual beli barang secara kredit.    
Co-Authors A Admiral Abdul Rohman Adam, Devid Adinda, Fadhel Arjuna Adrian Nugraha, Adrian Afriani, Selvi Agung, RM. Hasbi Pratama Arya Arifton, Arifton Arista, Arista DESI APRIANI, DESI Dikha Anugrah Eko, Hero Febrian, Rojja Hardianti, Fitri Hasanudin, Maulana Hero, Eko Hidayatullah, Fadli Idris, Zulherman Kurniawan, Aszhari Milandry, Anggraini Dwi Moza Dela Fudika, Moza Dela Nandi Nandi, Nandi Naqiyya, Sofia Nindila, Fadhila Nova, Yuzon Sutrirubiyanto Prasja, Teguh Rama Putri, Cyra Raudha Amalia Rama Prasja, Teguh Ridwan, Inayatilah Sari, Yuliana Indah Sinaga, Pandu Sulastri, Meti Suparto Suparto Tarmedi, Emed Trimelawati, Reni Woodward, John