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PENGATURAN SISTEM KEAMANAN TRANSAKSI PEMBAYARAN DENGAN DOMPET ELEKTRONIK(STUDI PERBANDINGAN ANTARA INDONESIA DAN SINGAPURA): Regulating The Security System of Payment Transactions with Electronic Wallet (A Comparative Study Between Indonesia and Singapore) Mali, Yosefa Oktriviani Mutiara; Anggraini, Anna Maria Tri
AMICUS CURIAE Vol. 2 No. 1 (2025): Amicus Curiae
Publisher : Faculty of Law, Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/tc075e31

Abstract

Advances in financial technology bring convenience and efficiency in electronic payment systems, one of which is the electronic wallet that is popular among people today. Electronic wallets are storage of payment instruments using cards or electronic money, holding funds and making payments. Behind the convenience of using electronic wallets, there are also frequent security problems, namely balance breaches, hacking of information data and illegal access to electronic wallet accounts in an application so that a comparison of electronic wallet security system arrangements in Indonesia and Singapore is carried out. The research was conducted normatively in the form of comparative law using secondary data sources, descriptive research nature, data analysis with qualitative methods, and deductive inference. In Indonesia, the regulation of electronic wallet security systems in several regulations and in Singapore is regulated in the Payment Service Act 2019 and its statutory guidelines. The results showed that there are 4 similarities and 6 differences in electronic wallet security arrangements seen from the aspects of licensing, cybersecurity, auditing, personal data protection, risk management, information system security, access control and anti-money laundering. With the similarities and differences in the arrangements, Indonesia can adopt the arrangements from Singapore to develop regulations for electronic wallet security systems to overcome growing technological crime.  
The Rule of Reason Approach in Discriminatory Practices: Airlines and Telecommunications Industry Sector Sharda Abrianti; Anna Maria Tri Anggraini; Ahmad Sabirin; Joice Chintya Mardohar; Séréna Ortigosa Fernandez
Jurnal Dinamika Hukum Vol 24, No 2 (2024)
Publisher : Faculty of Law, Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20884/1.jdh.2024.24.2.4046

Abstract

Discriminatory practices are standard in business competition and are not prohibited as long as they do not cause unfair competition. This paper will discuss three Business Competition Supervisory Commission (KPPU) decisions in 2020 related to alleged discriminatory practices committed by business actors. The subject matter in this paper is how the actions of business actors can fulfil the elements of violation and how the application of the rule of reason approach in Article 19 letter d of the Competition Law (1999) in the 2020 KPPU Decisions. This research is descriptive normative research. The data used in the book, articles, the new paper analyzed the Competition Law (1999), the Airlanes law (2009), the Electronic Information and Transactions Law (2008, amendments 2016 & 2024), and the Hajj and Umarah Law (2019), as well as interview an expert and KPPU. The interesting findings found that acts of discrimination cause obstacles in vertical business relations in different but interrelated relevant markets and often occur in the essential facilities sector. By using the rule of reason approach, KPPU found that discriminatory practices will be more effective if the business actor is in a dominant position or even occupies a monopoly position. Then, the three decisions in this discussion are equally suspected of violating Article 19 letter d on discriminatory practices. Then, related to the relevant market, the three cases have different markets, and also all three have vertical relationships with other business actors.
Peningkatan Budaya Literasi Konsumen atas Label Pangan Kemasan dan Obat-Obatan Anggraini, Anna Maria Tri; Abrianti, Sharda; Bachry, Ramadhana Anindyajati
Empowerment Vol. 6 No. 03 (2023): Empowerment
Publisher : Program Studi Ilmu Hukum Fakultas Hukum Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/empowerment.v6i03.8618

Abstract

The labeling of processed food and medicines is needed as an effort to fulfill consumers' rights related with correct, clear and honest information in accordance with Article 4 of Law No. 8/1999 concerning Consumer Protection (UUPK). However, in practice it is not easy for Micro Small and Medium Enterprise (MSME) business actors to fulfill production requirements considering the level of understanding and the cost of labeling. Therefore, it is necessary to know the form of consumer protection for processed food and medicines, especially for MSME business actors in the novice business community; and increasing the literacy culture among the community regarding processed food and medicine labels, particularly in Kebon Jeruk area, West Jakarta. Implementation of Community Service activities is carried out online through zoom meeting using counseling techniques. This theme is intended to provide education to novice MSME businessmen so that manufacturers of processed food and medicines carry out their obligations in accordance with regulatory provisions and policies of the relevant authorities. The target subject of this activity is carried out in the Kebon Jeruk area, West Jakarta, by involving the head partner of the local MSME entrepreneur association which is generally engaged in the processed food business. Counseling participants were so enthusiastic about the theme given considering that this information had never been conveyed to business actors or the public. Disseminating information on labeling obligations on food products is the duty and function of the food authority and all stakeholders in consumer protection. It requires the involvement of all parties, including the government, business actors, and observers of consumer protection to increase further understanding regarding clear, correct and honest labeling. In this way, it is hoped that it can improve the community's literacy culture towards achieving the consumer empowerment index at a more critical level.Pelabelan pangan olahan dan obat-obatan diperlukan sebagai upaya pemenuhan hak konsumen atas informasi yang benar, jelas, dan jujur sesuai Pasal 4 UU No. 8/1999 tentang Perlindungan Konsumen (UUPK). Namun pada praktiknya tidak mudah bagi pelaku usaha UMKM untuk memenuhi persyaratan produksi mengingat tingkat pemahaman dan biaya pencantuman label. Karenanya perlu diketahui bentuk perlindungan konsumen pangan olahan dan obat-obatan khususnya bagi pelaku usaha UMKM pada komunitas pebisnis pemula; dan peningkatan budaya lliterasi bagi masyarakat terkait label pangan olahan dan obat-obatan khususnya di wilayah Kebon Jeruk Jakarta Barat. Pelaksanaan kegiatan Pengabdian kepada Masyarakat dilakukan secara daring melalui media zoom meeting dengan menggunakan teknik penyuluhan. Tema ini dimaksud untuk memberikan edukasi kepada pebisnis pemula UMKM agar produsen pangan olahan dan obat-obatan melaksanakan kewajibannya sesuai ketentuan regulasi dan kebijakan otoritas terkait. Sasaran subyek kegiatan ini dilaksanakan di daerah Kebon Jeruk Jakarta Barat dengan melibatkan mitra ketua asosiasi pengusaha UMKM setempat yang pada umumnya bergerak di bisnis pangan olahan. Peserta penyuluhan sangat antusias dengan tema yang diberikan mengingat informasi tentang hal ini belum pernah disampaikan kepada pelaku usaha maupun masyarakat. Penyebarluasan informasi kewajiban pelabelan pada produk pangan merupakan tugas dan fungsi otoritas pangan dan semua pihak pemangku kepentingan perlindungan konsumen. Perlu keterlibatan semua pihak, baik pemerintah, pelaku usaha, dan pemerhati perlindungan konsumen untuk meningkatkan pemahaman lebih jauh terkait pelabelan yang jelas, benar dan jujur. Dengan demikian diharapkan dapat meningkatkan budaya literasi masyarakat menuju pencapaian indeks keberdayaan konsumen ke tingkat lebih kritis.
PERLINDUNGAN KONSUMEN PENYANDANG DISABILITAS TERHADAP AKSES PELAYANAN PUBLIK TRANSPORTASI UMUM TRANSJAKARTA: Protection Of Consumers With Disabilities Towards Access To Public Transportation Services Transjakarta Grace Michaela Japranata; Anna Maria Tri Anggraini
AMICUS CURIAE Vol. 2 No. 2 (2025): Amicus Curiae
Publisher : Faculty of Law, Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/amicus.v2i2.23013

Abstract

Indonesian people often rely on public transportation, including people with disabilities, who frequently encounter obstacles in accessing Transjakarta bus transportation.  Several Transjakarta bus stops have no ramps, wheelchair lanes, or guide lanes. The Identification problem is analyzes the suitability of public service accessibility facilities, as outlined in DKI PERDA and Law No. 8 of 2016, and their consequences. This research employed the Normative Law research method, which is descriptive and then the data were analyzed qualitatively to facilitate deductive conclusions. It is result and concluded that the accessibility of public services provided by Transjakarta is unable to regulations and policies. This is shown by the inadequate facilities available for people with disabilities and the legal consequences for Transjakarta that does not provide special facilities for passengers with disabilities can result in sanctions by applicable laws and regulations, most of the sanctions are in the form of administrative sanctions such as written warnings, administrative fines, license suspension, and license revocation, and provide compensation for losses experienced. The author suggests that Transjakarta pay attention to facilities, laws, regulations, and local governments to ensure the APBD budget for the development of accessibility services for passengers with disabilities.
PERLINDUNGAN  KONSUMEN TERHADAP KEAMANAN DATA PRIBADI DI SEKTOR PERDAGANGAN ONLINE (STUDI TERHADAP KEBOCORAN DATA KONSUMEN SHOPEE): Consumer Protection Against Personal Data Security in the Online Trade Sector (Study of Shopee Consumer Data Leak) Rafli Syah Maulana; Anna Maria Tri Anggraini
AMICUS CURIAE Vol. 2 No. 2 (2025): Amicus Curiae
Publisher : Faculty of Law, Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/amicus.v2i2.23024

Abstract

Personal data theft is a form of cybercrime that is rampant in Indonesia, especially with the main target of the e-commerce sector. The identification of this research problem, namely: how is the legal protection of Shopee consumers' personal data based on Law No. 8 of 1999 concerning Consumer Protection (UUPK) and how is the responsibility of business actors in the event of a Shopee consumer data leak according to the provisions of the UUPK. This research uses normative juridical methods, descriptive in nature, data collected through literature studies and interviews, analysed qualitatively, and deductive conclusions. The results showed that the GCPL guarantees consumers' rights to obtain comfort, security, and safety in utilising the services offered by business actors. This is reinforced by Minister of Communication and Informatics Regulation No. 20/2016 on the Protection of Personal Data in Electronic Systems which gives consumers the right to file reports and demands to the competent authority in the event of a violation of personal data. The author recommends that the Ministry of Communication and Digital (Komdigi) take concrete steps in the form of temporary suspension of transaction activities on platforms proven to violate personal data protection.
UPAYA PEMULIHAN HAK KONSUMEN ATAS KERUGIAN PEMBELI TIKET KONSER COLDPLAY DARI PERSPEKTIF HUKUM PERLINDUNGAN KONSUMEN DAN PERATURAN TERKAIT: Efforts to Restore Consumer Rights for Losses of Coldplay  Ticket Buyers from Perspective Consumer Protection Law and Relevant Muhammad Raldo Johansyah; Anna Maria Tri Anggraini
Reformasi Hukum Trisakti Vol 7 No 2 (2025): Reformasi Hukum Trisakti
Publisher : Faculty of Law, Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/refor.v7i2.22773

Abstract

The phenomenon of high demand for music concert tickets in Indonesia raises various challenges, including problems in the electronic ticket sales system. The Coldplay concert in Jakarta in 2023 faced various consumer complaints related to ticket duplication, audience mobility issues, and security. The writing of this article aims the problem to examine the responsibilities of Coldplay concert promoters based on Law Number 8 of 1999 on Consumer Protection and Jakarta Governor’s Regulation No. 18 of 2019. The writing of this article uses a normative juridical method with a legislative and case study approach. The results of the discussion and the conclusion of this article suggest that violations of consumer rights occur as a result of promoters’ negligence in meeting consumer protection standards, giving rise to claims for damages. Recovery of consumer rights can be done through both litigation and non-litigation mechanisms. Therefore, there is a need for strengthening regulation and strict supervision in the entertainment industry to guarantee legal certainty for consumers.
ANALISIS TERHADAP TINDAKAN PENGUASAAN MITRA DI BIDANG PETERNAKAN AYAM: Analysis Of Partners' Controlling Actions In The Field Of Chicken Farming Syahreza Jakti Kusuma; Anna Maria Tri Anggraini
Reformasi Hukum Trisakti Vol 7 No 2 (2025): Reformasi Hukum Trisakti
Publisher : Faculty of Law, Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/refor.v7i2.22776

Abstract

The interpretation of the term “controlling MSMEs” as business partners in a partnership relationship illustrates the application of the control criteria in KPPU Decision No. 21/KPPU-K/2019 and KPPU Decision No. 03/KPPU-K/2021. The research problem in this article is: What is the legal form of control exercised by the reported party in the partnership agreement between PT Sinar Ternak Sejahtera and its partners? This study employs normative legal research with a descriptive approach. The data used consists of primary and secondary data, collected through interviews and various literature sources. The result and conclusions of the study indicate that decision-making within the partnership was unilaterally conducted by PT Sinar Ternak Sejahtera. The decisions also highlight the occurrence of control exerted by large businesses over MSMEs. The criteria for determining control vary across decisions because each decision applies different standards for assessing control and/or ownership. Therefore, KPPU needs to develop guidelines for interpreting the terms “ownership” and/or “control” of medium/large businesses over MSMEs.
PERLINDUNGAN KONSUMEN TERHADAP INFORMASI YANG TIDAK JELAS DALAM MENU MAKANAN DAN MINUMAN DI RESTORAN X DAN Y: Consumer Protections Against Unclean Information On The Food And Drink Menu At Restaurants X And Y Muhammad Vachry Irsyad Prasanna; Anna Maria Tri Anggraini
Reformasi Hukum Trisakti Vol 7 No 3 (2025): Reformasi Hukum Trisakti
Publisher : Faculty of Law, Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/refor.v7i3.23091

Abstract

This study aims to examine the regulation and its implications of the obligation to include clear price information on food and beverage menus at Restaurants X and Y. The focus of the study is also directed at the problem is the role of the government in supervising business actors' compliance with the provisions of Law Number 8 of 1999 concerning Consumer Protection (UUPK) and Regulation of the Minister of Trade Number 35 of 2013. The method used is normative juridical with a qualitative descriptive approach, based on secondary data from laws and regulations, and the results of interviews with consumers and business actors. The research result and conclusion indicate that the inclusion of non-transparent price information on the menu at Restaurants X and Y has the potential to harm consumers and violate right to correct, clear, and honest information as stipulated in Article 4 of the UUPK and is contrary to provisions of Article 2 of Permendag 35/2013. In addition, weak supervision by the government has resulted in the absence of strict sanctions against business actors who violate. Therefore, more effective enforcement of regulations and education for business actors are needed to improve compliance and ensure protection of consumer rights.
PRAKTIK MONOPOLI DALAM DISTRIBUSI CABAI MERAH YANG BERPOTENSI MENIMBULKAN PERSAINGAN USAHA TIDAK SEHAT DI PASAR INDUK CIBITUNG: Monopolistic Practices In Red Chili Distribution That Have Potential To Cause Unhealthy Business Competition In Cibitung Main Market Sultan Naufal Sivha; Anna Maria Tri Anggraini
Reformasi Hukum Trisakti Vol 7 No 4 (2025): Reformasi Hukum Trisakti
Publisher : Faculty of Law, Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/refor.v7i4.23090

Abstract

The current era of curly red chili trade shows the potential for unfair business competition, especially when legal provisions governing competition are not adhered to. In the Cibitung Main Market, monopolistic practices were found by middlemen in the distribution of curly red chili. This action creates market dominance that is detrimental to other business actors and consumers. This study uses a socio-legal research approach with a descriptive nature and an inductive conclusion-drawing method. The results and Conclusion of the study indicate that these monopolistic practices are contrary to the principles of healthy business competition and cause economic losses to the wider community. In addition, uncontrolled monopolies can create inequality in the food commodity distribution system. Therefore, supervision and firm action are needed from the government to prevent and follow up on forms of monopoly that are detrimental, in order to maintain fairness and stability of the agricultural commodity market in Indonesia.
Consumer Protection in the Retail and Financial Services Sectors against the Practice of Exoneration Clauses Anggraini, Anna Maria Tri; Simanjuntak, Megawati; Safari, Arief; Halim, Rizal E.; Riyadi, Slamet
Journal of Consumer Sciences Vol. 7 No. 2 (2022): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.7.2.83-96

Abstract

The rapid development of the business world has resulted in several changes to business actors in carrying out their business activities. This encourages the emergence of standard agreements as practicality in conducting transactions. This study aims to analyze consumer protection law and apply the principles of freedom of contract in standard agreements in online and retail financial services businesses—the descriptive qualitative method with data collection techniques using in-depth interviews and documentation studies. Informants were selected by purposive sampling. The results show that standard clauses have been regulated in Article 18 of the Consumer Protection Law. However, in practice, clauses are still found that violate and transfer responsibility to the detriment of consumers. Furthermore, regarding consumer dispute resolution, there is an overlap issue between the Financial Services Authority (OJK) and the Consumer Dispute Resolution Agency (BPSK). Therefore, if viewed from the principle of freedom of contract, the standard agreement cannot fulfill the principle of freedom of contract, and consumer protection, so especially in the financial services sector and retail, needs to increase preventive and repressive supervision by providing several alternatives dispute resolutions for disadvantaged consumers.
Co-Authors Abriant, Sharda Abrianti, Sharda Ahmad Sabirin Ahmad Sabirin Alex Siswanto Alfiyyah Inayah Taqyuddin Andini, Putri Fildzah Andrina, Bidhari Azzahra, Mutiara Bachry, Ramadhana Anindyajati Berto Mulia Wibawa Dian Purnamasari Dwi Tiara Febrina Elfrida Ratnawati Elizaga , Jhon Rojell Y. Ermania Widjajanti Farhandi Himawan Farhandi Himawan Fernandez, Séréna Ortigosa Gladys Prita Pertiwi Grace Michaela Japranata Grace Riana Yudistira Hendrian Wulansari Ignatius Pradipta Probondaru Illona . Imam Hartanto Intan Purwanti Jhon Haward Hutagaol Joice Chintya Mardohar Kabes, Irianto Kemal Kusuma Wardana Kerti, Renti Maharaini M Faqih Surbakti M Faqih Surbakti Magfirah, Wanda Pasya Mahal Frawansa, Syukron Mali, Yosefa Oktriviani Mutiara Mardohar, Joice Chintya Mayva, Verandha Megawati Simanjuntak Mia Amelia Monica Alina Yolanda Muhammad Fathan Zahran Dika Muhammad Raldo Johansyah Muhammad Vachry Irsyad Prasanna Muninggar, Roro Ajeng Nadya Angelina Notoprayitno, Maya Indrast Notoprayitno, Maya Indrasti Oktabiani, Andiya Putra, Dimas Ananta Raafid Haidar Herfian Rafli Syah Maulana Rahma, Rais Akbar Rahmadhani, Zahra Fide Rahmawati, Laeli Raras Ayundhani Rizal Edy Halim Sabirin, Ahmad Safari , Arif Safari, Arief Salsabila, Anzela Séréna Ortigosa Fernandez Sharda Abrianti Sharda Abrianti Simanullang, Venty Elisa Margareth Slamet Riyadi Stella Trixie Jane Sultan Naufal Sivha Syahreza Jakti Kusuma Syarifa, Rizka Syukron Mahal Frawansa Takenia Tifany Tribuana Chris Shinta Tubagus Andri Purnama Vizna Qurrotul A’yuniyah Wangga, Maria Silvya Elisabeth Wati, Widiya Yoel Nixon A Rumahorbo Yohanes Firmansyah Zayyan, Khalillah