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All Journal SMATIKA YURISDIKSI : Jurnal Wacana Hukum dan Sains EKONOMIKA45 Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia Asthadarma: Jurnal Pengabdian Kepada Masyarakat Journal of International Multidisciplinary Research Journal of Scientific Interdisciplinary Jurnal Pengabdian Masyarakat Mandira Cendikia (JPKM-MC) Jurnal Ilmiah Multidisiplin Keilmuan Mandira Cendikia (JIMK-MC) Jurnal ilmiah teknologi informasi Asia PESHUM Smatika Jurnal : STIKI Informatika Jurnal
Sri Anggraini Kusuma Dewi
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Journal of International Multidisciplinary Research

 1 
The Function of the Deposit Insurance Corporation (LPS) as a Legal Protection Strategy for Customer Deposits Due to Bank Liquidation Sri Anggraini Kusuma Dewi; Adam Pramana Putra
Journal of International Multidisciplinary Research Vol. 2 No. 12 (2024): Desember 2024
Publisher : PT. Banjarese Pacific Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62504/jimr1082

Abstract

This research aims to explore the role of the Deposit Insurance Corporation (LPS) in protecting customers when banks fail. The research methods used include policy analysis, case studies of failed banks, and reviews of related laws. It is hoped that the research results will provide a deeper understanding of the effectiveness of the legal protection provided by LPS to customers in the context of bank failures and the related compensation claims process. The Deposit Insurance Corporation (LPS) has a crucial role in protecting customer deposits when banks experience liquidation. In this context, LPS functions as a legal protection strategy for customer deposits held in banks. This action is important to maintain public confidence in banking amidst economic uncertainty. In response to the 1998 monetary crisis, the Indonesian government issued a policy of guaranteeing bank payments, including public deposits, through LPS. The importance of LPS is revealed when banks experience failures that have the potential to threaten the security of customer funds. In this situation, LPS guarantees the customer's refund up to a certain limit, providing the necessary financial protection. This creates a sense of security for customers and promotes banking system stability. With LPS, customers can be assured that their funds are safe even if unexpected events occur in the banking world. The role of LPS as a deposit insurance institution is inherent in the government's efforts to regulate and supervise the financial sector. LPS plays a role as the front guard in protecting customer interests, maintaining financial system stability, and preventing potential losses that could arise due to the possibility of bank failure.
Legal Protection For Consumers In Digital Transactions: Case Study And Analysis Sri Anggraini Kusuma Dewi
Journal of International Multidisciplinary Research Vol. 3 No. 12 (2025): Desember 2025
Publisher : PT. Banjarese Pacific Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62504/jimr1408

Abstract

This study aims to analyze the effectiveness of legal protection for consumers in digital transactions in Indonesia. The method used is library research with a normative juridical approach. The results of the study indicate that Indonesia actually has an adequate legal basis to protect digital consumers, which is primarily sourced from Law Number 8 of 1999 concerning Consumer Protection and Law Number 19 of 2016 concerning Information and Electronic Transactions. These regulations have set out basic principles such as the obligation of business actors to provide honest information, consumer rights to security, and the recognition of electronic evidence. However, its implementation in the field encounters various significant obstacles. Case studies on e-commerce and fintech platforms reveal that consumer losses still often occur, such as products that do not match the description, difficulties with refunds, and the vulnerability of personal data. The key finding of this study is that the main challenge lies not in the legal vacuum, but in three aspects: (1) low digital literacy and consumer law so that they are not optimal in fighting for their rights; (2) alternative dispute resolution mechanisms such as BPSK and ODR (Online Dispute Resolution) which are not yet effective, fast, and easily accessible; and (3) weak supervision and law enforcement against unscrupulous business actors in the digital space. Therefore, it is concluded that digital consumer protection efforts require a holistic approach that relies not only on regulations, but also through massive public education, strengthening dispute resolution institutions, and closer synergy between the government, business actors, and the community.
Co-Authors Adam Pramana Putra Afrio Dimas Kharismajaya Asep Heri Ayu, Fira Nindia Adela Shinta Ayu A Bambang Tri Wahyo Utomo Bambang Tri Wahyo Utomo Bastianto Nugroho Budi Santoso Budi Santoso Gesang Iswahyudi Ida Wahyuni M. Hidayat Moch. Ainul Chodri Mohammad Roesli Mukhammad Amri Philip Faster Eka Adipraja Priambodo Adi Wibowo Sumarso Supolo Setyo Wibowo Ullia Warna Agung Cahyono Warna Agung Cahyono Yeffris Arya Dirgantara Yogatama, Ahmad Nizar