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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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PENYULUHAN HUKUM TENTANG PROBLEMATIKA PERKAWINAN DIBAWAH UMUR DI SMKN 2 TANAH PUTIH KABUPATEN ROKAN HILIR Apriani, Desi; Kurniasih, Esy; Febrian, Rojja; Milandry, Anggraini Dwi
Jurnal Abdi Masyarakat Vol. 6 No. 2 (2023): Jurnal Abdi Masyarakat Mei 2023
Publisher : Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/jaim.v6i2.3880

Abstract

The purpose of this community service is to provide socialization, understanding, and provision of knowledge and actual information related to the problems of underage marriage both in theoretical and practical terms. The main problem faced by partners is that partner communities (both educators and students) don’t really understand the problems of underage marriage, because the information obtained are still makes them confused, besides schools are one of the effective and closest forums to the community to be able to "create or bring out” humans with certain characters in social and national life. The solution offered in this community service are first provide legal counseling on the basis of marriage law arrangements in Indonesia, especially those related to the age limit for performing a marriage. Second, providing information related to knowledge about underage marriage in Islamic concepts and third explaining general knowledge related to technical problems in the implementation of underage marriage that have a positive and negative impact on the life of a couple, both personally and in social life. The method of implementing community service activities is carried out in several stages. The core stage of this activity is to provide legal counseling by presenting material and ending with a discussion session. The result of this activity is that, with the implementation of community service activities, in addition to the participants being very enthusiastic about participating in the activity, partner communities (both educators and students) have gained actual insights and additional knowledge of marriage law in force in Indonesia.
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 Putri, Cyra Raudha Amalia Rama Prasja, Teguh Ridwan, Inayatilah Sari, Yuliana Indah Sinaga, Pandu Sulastri, Meti Suparto Suparto Tarmedi, Emed Trimelawati, Reni Woodward, John