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KEABSAHAN PERJANJIAN ELEKTRONIK DAN PENYELESAIAN SENGKETA WANPRESTASI DEBITUR PINJAMAN ONLINE Kiswah, Maftuha; Rukaman Wibisono, Wina Febrianti; Setyawan, Fendi; Adonara, Firman Floranta
Jurnal Magister Hukum Perspektif Vol. 16 No. 2 (2025)
Publisher : Magister Ilmu Hukum, Universitas Wisnuwardhana Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37303/magister.v16i2.128

Abstract

The rapid growth of financial technology (fintech) in the form of peer-to-peer lending has transformed borrowing and lending practices in Indonesia. Electronic contracts serve as the main legal instrument between creditors and debtors, yet they raise issues of validity, consumer protection, and dispute resolution in cases of default. This study employs a normative juridical approach by analyzing Law No. 8 of 1999 on Consumer Protection, Law No. 19 of 2016 on Electronic Information and Transactions, Government Regulation No. 80 of 2019 on Electronic Trade, and Financial Services Authority regulations (POJK No. 61/2020 and SEOJK No. 19/2023). The findings reveal that the validity of electronic contracts is legally recognized as long as they meet the essential requirements of agreement, capacity, lawful cause, and specific object, as stipulated in the Indonesian Civil Code. Disputes arising from debtor defaults can be resolved through litigation, such as simplified lawsuits, or non-litigation mechanisms, including mediation, Alternative Dispute Resolution Institutions (LAPS), and complaint facilities provided by the Financial Services Authority (OJK). However, challenges persist due to consumers’ low legal literacy, unethical debt collection practices, and asymmetry in bargaining positions. Therefore, strengthening the regulatory framework for electronic contracts and implementing fair and accessible dispute resolution mechanisms are necessary to enhance legal certainty and consumer protection. Keywords: Electronic Contract, Online Loan, Default, Consumer Protection, Dispute Resolution.
Analisis Dampak Impor Logam Terkontaminasi Cesium-137 terhadap Implementasi Prinsip ESG di Indonesia Shilvya, LIke Olivia; Adonara, Firman Floranta; Adiwibowo, Yusuf; Kumalasari, Nuzulia
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 3 No 5 (2025): 2025
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v3i5.2420

Abstract

Kasus impor logam yang terkontaminasi radioaktif Cesium-137 di Indonesia mengungkap kelemahan dalam sistem pengawasan terhadap arus barang berisiko tinggi serta kurangnya sinergi antarinstansi terkait. Penelitian ini bertujuan untuk menganalisis dampak masuknya logam radioaktif terhadap penerapan prinsip Environmental, Social, and Governance (ESG) serta menelaah tanggung jawab hukum korporasi dalam peristiwa kontaminasi di kawasan industri nasional. Metode yang digunakan adalah pendekatan sosiolegal dengan memadukan analisis normatif terhadap Peraturan Bapeten No. 3 Tahun 2024 dan kajian empiris berdasarkan data media, laporan kebijakan, serta hasil penyelidikan resmi pemerintah. Temuan penelitian menunjukkan bahwa lemahnya sistem pengawasan dan koordinasi menyebabkan logam bekas mengandung radiasi berbahaya dapat masuk ke rantai pasok industri, memunculkan risiko serius bagi kesehatan manusia, lingkungan, dan stabilitas sosial. Implementasi prinsip ESG di sektor industri logam juga belum berjalan optimal karena masih rendahnya transparansi, akuntabilitas, dan tanggung jawab sosial perusahaan. Penelitian ini menegaskan perlunya penguatan tata kelola, penegakan hukum yang konsisten, serta integrasi prinsip ESG dalam kebijakan impor logam untuk mewujudkan keberlanjutan dan keamanan industri berisiko tinggi di Indonesia
Keseimbangan Asas Pacta Sunt Servanda dan Norma Perlindungan Hukum Harta Bersama pada Perjanjian Perkawinan di Indonesia: Penelitian Suhayati, Kurniyah; Angelin, Elmi Nada; Setyawan, Fendi; Adonara, Firman Floranta
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 2 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 2 (October 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i2.2949

Abstract

Asas pacta sunt servanda menegaskan bahwa setiap perjanjian yang dibuat secara sah memiliki kekuatan mengikat bagi para pihak layaknya undang-undang. Dalam konteks perjanjian perkawinan, asas ini landasan atas keberlakuan kesepakatan mengenai pengaturan harta bersama antara suami dan istri. Meskipun demikian, keberlakuan asas tersebut tidak terlepas dari norma perlindungan hukum yang berorientasi pada prinsip keadilan. Penelitian ini bertujuan untuk mengkaji keseimbangan antara penerapan asas pacta sunt servanda dengan norma perlindungan hukum dalam pengaturan harta bersama melalui perjanjian perkawinan di Indonesia. Metode penelitian yang digunakan adalah yuridis normatif dengan pendekatan peraturan perundang-undangan, konseptual, dan kasus. Hasil penelitian menunjukkan bahwa asas pacta sunt servanda memberikan jaminan kepastian hukum terhadap sahnya perjanjian perkawinan, namun perjanjian tersebut dapat dianggap tidak sah apabila isinya bertentangan dengan ketertiban umum, kesusilaan, atau itikad baik sebagaimana tercantum dalam Pasal 1337 Kitab Undang-Undang Hukum Perdata. Lebih lanjut, pengaturan harta bersama dalam perjanjian perkawinan perlu diseimbangkan dengan norma perlindungan hukum agar dapat mewujudkan keadilan bagi kedua belah pihak. Dengan demikian, pengembangan hukum perjanjian di Indonesia perlu diarahkan pada harmonisasi antara kepastian hukum dan perlindungan hukum substantif dalam pengaturan harta bersama.
Hukum e-Marketplace Auction di Indonesia Sebagai Bentuk Alat Rekayasa Sosial Sunardi, Arwin Ardianto; Putra, Ido Gustiawan; Adonara, Firman Floranta; Adjie, Habib
Jurnal Ilmiah Penegakan Hukum Vol. 12 No. 2 (2025): JURNAL ILMIAH PENEGAKAN HUKUM DESEMBER
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jiph.v12i2.11990

Abstract

This study aims to analyze the law of e-Marketplace Auction in PMK No. 122 of 2023 concerning Auction Implementation Guidelines using Roscoe Pound's law as a tool of social engineering. This research is normative juridical type by describing the legal provisions of e-Marketplace Auction in PMK No. 122 of 2023 concerning Guidelines for the Implementation of Auctions. 122 of 2023 concerning Auction Implementation Guidelines with an analytical descriptive approach using Roscoe Pound's law as a tool of social engineering theory. The results of this study indicate that auctions in Indonesia have developed through the use of electronic technology which is regulated in PMK No. 122 of 2023. The enactment of PMK NO. 122 of 2023 is a form of social engineering (tool of social engineering) for the proliferation of auction practices on internet media carried out by the community as a result of technological developments. The enactment of PMK No. 122 of 2023 is a government directive to the public to conduct auctions through e-Marketplace Auction in e-commerce that has been registered with the Indonesian e-commerce association. This requirement is a form of embodiment of Roscoe Pound's theory of law as a tool of social engineering which functions to ensure the protection of public interests (state), society, and each individual so that it can be said that the legal provisions of e-Marketplace Auction in PMK No. 122 of 2023 are a form of legal participation in the process of social change in society.
Literature Study: Analysis of Legal Protection for Indonesian Investors in Ownership of Football Clubs in the European League Muthiurrohman, Achmad; Adonara, Firman Floranta
Fox Justi : Jurnal Ilmu Hukum Vol. 15 No. 03 (2025): Fox justi : Jurnal Ilmu Hukum, Edition 2025
Publisher : SEAN Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The increasing involvement of Indonesian investors in the ownership of European football clubs reflects a global transformation of football from a recreational sport into a highly lucrative industry. However, such investment activities operate within a dual regulatory landscape that combines national corporate law of the host country with transnational sports law (lex sportiva) governed by FIFA and UEFA. This study aims to analyze the legal protection afforded to Indonesian investors in European football club ownership and to identify the regulatory challenges arising from this intersection of legal systems. Using a normative juridical method supported by statutory, conceptual, and case approaches, this research examines international sports regulations, national legal frameworks, and investment agreements applicable to foreign ownership in European leagues. The findings indicate that various layers of legal protection exist, including UEFA financial sustainability rules, FIFA transfer regulations, bilateral investment treaties, and international arbitration mechanisms. Nonetheless, regulatory complexities, limitations on owner intervention, political–economic risk, and financial volatility of the football industry continue to create legal uncertainty. Therefore, comprehensive regulatory understanding and strong compliance strategies are essential to ensure the sustainability of investments while strengthening Indonesia’s presence and credibility in the global football industry.
Legal Protection for Policy Holders of Life Insurance Berhad Bumiputera 1912 Due to Default Firza Nada Salsabila; Edi Wahjuni; Firman Floranta Adonara
MIMBAR YUSTITIA : Jurnal Hukum dan Hak Asasi Manusia Vol 9 No 1 (2025): June 2025
Publisher : Universitas Islam Darul Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/mimbar.v9i1.6946

Abstract

Insurance companies in Indonesia, including Life Insurance Together Bumiputera 1912, hereinafter referred to as AJB Bumiputera 1912, continue to innovate to provide the best service to customers. However, problems arise when this company fails to pay claims to policyholders, causing dissatisfaction among customers. The legal protection provided to customers is outlined in the Civil Code, hereinafter referred to as KUHPerdata. The purpose of this research is to understand what legal protection means for policyholders as insured parties of AJB Bumiputera 1912 who suffer losses due to default. This research utilizes a normative juridical method, which involves studying and examining the implementation of the rules and regulations in existing positive law in Indonesia to analyze the South Jakarta District Court's decision regarding default. The conclusion of this research is that legal protection allows customers to file lawsuits in the event of default by the insurance company, such as delays in claim payments. Insurance companies have a legal obligation to pay compensation or cover losses arising from claims filed by policyholders in accordance with applicable provisions. The South Jakarta District Court granted the plaintiff's lawsuit and ordered the defendant to pay the insurance claim, late interest, and court costs. This demonstrates the importance of legal protection for customers in legal relationships with insurance companies to maintain fairness and balance.
Responsibility of Notaries in Making Sale and Purchase Agreement Where the Object Is in Dispute Rita Bayu Astuti; Yanwar Triya Nurjanah; Fendi Setyawan; Firman Floranta Adonara
MIMBAR YUSTITIA : Jurnal Hukum dan Hak Asasi Manusia Vol. 9 No. 2 (2025): December 2025
Publisher : Universitas Islam Darul Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/mimbar.v9i2.11522

Abstract

The purpose of this research is to analyze and find out the Notary's responsibility in making the sale and purchase binding agreement that he made. The approach method in this research is normative juridical. The data used are primary and secondary data obtained through interviews and literature study, data analysis was carried out by analytical descriptive. The results of the research concluded: The Notary's responsibility in making the sale and purchase binding agreement that he made is if the sale and purchase agreement on land signed and made by a Notary made an error, it is not in accordance with the procedure for making it, then the Notary has legal responsibility to whom and to whom. who the deed of sale and purchase agreement is made, and if the Notary is proven to have made a mistake, whether intentional or unintentional, then the legal consequences that arise can be subject to sanctions according to the level of error or error in the binding deed of sale and purchase made by a Notary may be subject to sanctions including administrative sanctions. The solution to making a deed of sale and purchase binding agreement (PPJB) in the event of a dispute is through deliberation or through the courts. The aggrieved party can sue the party who caused the loss in court or by canceling the agreement that has been made by the parties. Dispute resolution using non-litigation or Alternative Dispute Resolution (ADR) is actually a family dispute resolution model compared to dispute resolution through judicial institutions which tend to be confrontational, taking into account wins and losses and ignores social elements in society. While the settlement through the judiciary is carried out if the deliberation efforts are not reached, then the settlement must be through the courts.
Perlindungan Hukum terhadap Investor Asing di Indonesia Pasca Berlakunya Undang-Undang Cipta Kerja Gayatri, Annisa Zerlina Cindy; Putra, Sonia Wijaya; Maulida, Fidia; Putra, Ramadhani Hidayat Priyono; Adonara, Firman Floranta
Journal of Education Religion Humanities and Multidiciplinary Vol 3, No 2 (2025): Desember 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jerumi.v3i2.7534

Abstract

Penelitian ini membahas perlindungan hukum terhadap investor asing di Indonesia serta mekanisme penyelesaian sengketa antara investor dan pemerintah dalam konteks tumpang tindih regulasi penanaman modal. Berdasarkan pendekatan yuridis normatif, kajian ini menelaah ketentuan Undang-Undang Nomor 25 Tahun 2007 tentang Penanaman Modal dan Undang-Undang Cipta Kerja, serta penerapannya dalam praktik melalui studi kasus PT Semen Indonesia dan PT Newmont Nusa Tenggara. Hasil penelitian menunjukkan bahwa meskipun Indonesia telah memberikan jaminan kepastian hukum bagi investor asing melalui berbagai regulasi dan mekanisme arbitrase internasional seperti ICSID dan UNCITRAL, pelaksanaannya masih terhambat oleh ketidakharmonisan regulasi, birokrasi yang kompleks, dan lemahnya penegakan hukum. Kondisi ini berdampak pada berkurangnya efektivitas perlindungan hukum dan menimbulkan ketidakpastian bagi investor asing di Indonesia.
Perlindungan Hukum Bagi Investor Dalam Kasus DNA Pro Academy: Studi Tentang Investasi Robot Trading Kripto dan Forex Emaniar, Melly Yunandita; Okta, Enggita Anggraeni; Adonara, Firman Floranta; Khoidin, Khoidin
Journal of Education Religion Humanities and Multidiciplinary Vol 3, No 2 (2025): Desember 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jerumi.v3i2.7532

Abstract

Kasus DNA Pro Academy merupakan salah satu contoh praktik penipuan dalam investasi digital yang menimbulkan kerugian signifikan bagi masyarakat Indonesia. Penelitian ini bertujuan untuk mengevaluasi perlindungan hukum yang tersedia bagi investor serta mengkaji tanggung jawab hukum para pelaku dalam kegiatan investasi menggunakan robot trading kripto dan forex. Pendekatan yang digunakan adalah yuridis normatif, dengan analisis terhadap peraturan perundang-undangan dan konsep hukum, serta memanfaatkan sumber hukum primer, sekunder, dan tersier. Temuan penelitian menunjukkan bahwa perlindungan hukum terhadap investor bersifat reaktif karena pengawasan terhadap investasi digital masih belum optimal. Adapun tanggung jawab hukum pelaku meliputi ranah pidana, perdata, dan administratif; sanksi pidana bertujuan memberikan efek jera, sedangkan tanggung jawab perdata difokuskan pada pemulihan hak korban melalui mekanisme ganti rugi. Penegakan hukum yang komprehensif diharapkan dapat memperkuat perlindungan hukum dan mencegah terjadinya kasus serupa di masa depan.
Penguatan Kepastian Hukum dan Ekonomi Berkelanjutan melalui Sistem Perizinan Investasi Berbasis Risiko yang Terstruktur di Indonesia Wijaya, Ersalmaika Aprilian; Kumalasari, Nuzulia; Adonara, Firman Floranta
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 1 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i1.3080

Abstract

Penelitian ini dilandasi oleh kebutuhan untuk memperkuat kepastian hukum dan iklim investasi melalui penyempurnaan sistem perizinan berbasis risiko sebagaimana diatur dalam PP Nomor 28 Tahun 2025. Tujuan penelitian adalah menganalisis pengaturan hukum perizinan investasi berbasis risiko serta menilai fungsi hukum dalam mendukung pembangunan ekonomi yang berkelanjutan. Metode penelitian yang digunakan adalah penelitian hukum normatif dengan pendekatan peraturan perundang-undangan dan pendekatan konseptual, disertai analisis gramatikal dan sistematis terhadap bahan hukum primer dan sekunder. Hasil penelitian menunjukkan bahwa PP 28/2025 memberikan struktur normatif yang lebih terukur melalui klasifikasi risiko, integrasi OSS, serta penyederhanaan prosedur perizinan. Namun demikian, implementasinya masih menghadapi hambatan berupa disharmoni regulasi pusat–daerah, keterbatasan transparansi dalam penetapan risiko, kapasitas kelembagaan yang belum merata, serta lemahnya koordinasi antarinstansi. Penelitian juga menemukan bahwa perizinan berbasis risiko memiliki potensi signifikan untuk memperkuat keberlanjutan ekonomi apabila disertai pengawasan yang efektif, partisipasi publik yang substantif, dan integrasi persyaratan lingkungan. Dengan demikian, penelitian ini menegaskan bahwa penguatan tata kelola dan konsistensi pelaksanaan merupakan prasyarat utama agar sistem perizinan berbasis risiko dapat berfungsi sebagai instrumen hukum yang adaptif dan mendukung pembangunan nasional
Co-Authors Adam Surya Putra Afifah Nur Azizah Angelin, Elmi Nada Anis Khafifah Ashfia Rosyalina Ariaza Ashfia Rosyalina Lailannaja Auliya Safira Putri Ayu Citra Santyaningtyas Azizah, Afifah Nur Bakhouya Driss, Bakhouya Chusnah, Syarifah Deny Akbar Santoso Doni Rian Ardiansyah Dyah Ochtorina Susanti Edi Wahjuni Effendi, A'an Emaniar, Melly Yunandita Erlita, Ita Ermanto Fahamsyah Etik Kurniawati Fahad Abd. Aziz Faran Tatika Fendi Setiawan Fendi Setyawan Fendi Setyawan Fendi Setyawan Fendy Setiawan Firza Nada Salsabila Fona Kartika Listiyapuji Gautama Budi Arundhati, Gautama Budi Gayatri, Annisa Zerlina Cindy Habib Adjie I Gede Widhiana Suarda I Wayan Yasa Ibrahim , Yusriel Billy Ilham Maulana Ivan Christian Wijaya Iwan Rachmad Soetijono, Iwan Rachmad Soetijono, Jeaneta Cahyaningsih Karin Jihananda Deriyanti Kartodiprodjo, Mikhael Putra Khoidin Khoidin Khoidin, Khoidin Kiswah, Maftuha Kumalasari, Nuzulia M. Kaisario H. Falah M.Virjohn Siyasi M.Virjohn Siyasi Maulida, Fidia Moh. Bahrul Ulum Mohammad Arief Amrullah Muh Fanny Chamdani Muhammad Hafidz Ridho Muthiurrohman, Achmad Naufal Pasya Lingga Ariaza Niswatu Filmadina Nurholis Majid, Nurholis Nurul Hasanah Nuzulia Kumala Sari Nuzulia Kumala Sari Okta, Enggita Anggraeni Permatasari, Intan Permatasari Prakoso, Bhim Prakoso, Chrisdrianto Aji Prasetiyo, Rio Wibowo Agung Putra, Ach Rofiki Putra, Ido Gustiawan Putra, Ramadhani Hidayat Priyono Putri, Auliya Safira Rahmadi Indra Tektoka Rahmadi Indra Tektona Rita Bayu Astuti Rukaman Wibisono, Wina Febrianti Samuel Saut Martua Samosir Santyaningtyas, Ayu Citra Setyawan , Fendy Shilvya, LIke Olivia Soetijono, Iwan Rachmad Sonia Wijaya Putra Suhayati, Kurniyah Sunardi, Arwin Ardianto Taniady, Vicko Tasya Monica Tektoka, Rahmadi Indra Wahjuni, Edi Wahjuni, Edi Wibowo, Ihsan Ariyanto Wijaya, Ersalmaika Aprilian Y. A. Triana Ohoiwutun, Y. A. Triana Yanwar Triya Nurjanah Yunita Pramesti Ardi Nurva Yusuf Adiwibowo, Yusuf