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All Journal JURNAL MAGISTER HUKUM UDAYANA International Journal of Law Reconstruction MLJ Jurnal Selat Justitia et Pax Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada Nagari Law Review Syariah: Jurnal Hukum dan Pemikiran Jurnal Hukum Samudra Keadilan WAJAH HUKUM Legal Standing : Jurnal Ilmu Hukum Awang Long Law Review Kosmik Hukum Pagaruyuang Law Journal SIGn Jurnal Hukum Prosiding National Conference for Community Service Project Journal of Law and Policy Transformation SYARIATI : Jurnal Studi Al-Qur'an dan Hukum Jurnal Yustisiabel Eksekusi : Journal Of Law Jurist-Diction Legal Spirit Jurnal Supremasi Istinbath : Jurnal Hukum LEGAL BRIEF Journal of Judicial Review Jurnal Bedah Hukum Yustisia Tirtayasa: Jurnal Tugas Akhir Syiah Kuala Law Journal Indonesia Law Review (ILREV) Lex Publica Research Horizon Conference on Management, Business, Innovation, Education and Social Sciences (CoMBInES) Kanun: Jurnal Ilmu Hukum Lex Aeterna Law Journal SASI
Elza Syarief, Elza
Universitas International Batam
Religion Aerospace Engineering Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : JURNAL MAGISTER HUKUM UDAYANA

 1 
Pemanfaatan Artificial Intelligence dalam Deteksi dan Pencegahan Tindak Pidana Pencucian Uang: Potensi dan Tantangan Hukum? Febriyani, Emiliya; Syarief, Elza; Seroja, Triana Dewi
Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 13 No 4 (2024)
Publisher : University of Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JMHU.2024.v13.i04.p10

Abstract

Artificial Intelligence (AI) is one of the leading technologies that has begun to attract attention in the financial sector across various regions worldwide, including Southeast Asia. One potential application of AI is its ability to automatically detect specific data or situations within an electronic system, which can be utilized to identify money laundering activities. However, this cutting-edge technology may also result in certain unintended legal implications. The purpose of this study is to explore the potential and legal challenges in utilizing AI for the detection and prevention of money laundering. This research employs a normative legal research method to examine the legal implications of AI utilization in efforts to prevent and combat money laundering. The analysis reveals that significant normative issues persist regarding the legal certainty of AI applications in general, which poses complex challenges when coupled with specific legal implications, such as consumer protection and the safeguarding of privacy and data rights. This study proposes a legal development model that emphasizes balancing the efforts to prevent and combat money laundering with the rights of financial service users to maintain the integrity of the financial system.
Regulations, Problems, and Legal Solutions for Online Loan Agreements in Indonesia Agustini, Shenti; Karo Karo, Rizky Pratama; Tan, Winsherly; Syarief, Elza; Ahmad, Faradina Binti
Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 14 No 2 (2025)
Publisher : University of Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JMHU.2025.v14.i02.p07

Abstract

The aim of this research is first to analyze regulations regarding online loans, identify legal problems arising from online loans, and find an appropriate legal solution to resolving legal issues with online loans. The method used is normative juridical. The research results found that Indonesia already has written laws to regulate online loans, namely financial services authority regulations. However, this regulation is insufficient in resolving online lending legal problems. Normative inconsistencies, especially regarding capital sourcing regulations, Lack of technical clarity, such as in the implementation of lenders' general meetings, Heavy regulatory burdens for new market entrants (e.g., high equity requirements), Unregulated areas, including lender protection, AI/technology ethics, and secondary market mechanisms. Recommended Legal Solutions: 1) Clarification via OJK Circular Letters (SEOJK); 2) Issuance of Fintech Ethics & Technology Guidelines; 3) Establishment of Credit Risk Protection Schemes; 4) Progressive Evaluation and Stakeholder Dialogues; 5) Harmonization with Other Regulations and the P2SK Law.
Co-Authors Abdul Rachman Agung Prayogo Agustianto Agustianto, Agustianto Agustina Fitrianingrum Agustini, Shenti Ahmad, Faradina Binti Alberta Adeline Marvel Alex Firdaus Simaremare Alvita Novanilia Andry Ochtora Butarbutar Anweidri Chai Aprillia Crystina Arifin, Inal Arika, Defi Asmin Patros Attika Balqist Azis Kasim Djou Azlyn, Nurul B. F. Sihombing Balqist, Attika Bicar Franki Leonardo Manurung Chuandra, Utha Crystina, Aprillia Dachi, Janvencius Valerius Nifowa'azaro Deddy Eka Saputra Defi Arika Djou, Azis Kasim Edward Banner Purba Elvin Valentino Fahmi Ari Yoga Febriyani, Emiliya Fitri, Winda FL. Yudhi Priyo Amboro, FL. Yudhi Priyo Guswandi, Cynthia Putri Haji Syukur Lehidonu Hariyanto, Jerry Ibnu Kholdun Indra Hengky Indra Hengky Iswara, Vizta Dana Jana Mila Jason, Ferdinand Jaya, Febri Jefri Kurniawan Jendris Sihombing Jesen Winardo Junaidi Junaidi Karo Karo, Rizky Pratama Kellie Leslie Kendry Tan Kholdun, Ibnu Lehidonu, Haji Syukur Lu Sudirman Lu Sudirman Lu Sudirman Mila, Jana Muhammad Ishak Mukhtirili Mukhtirili Naomi Hani Romauli Simanungkalit Nellsen Purwandi Nur Laily NURLAILY, NURLAILY Puspita, Viona Putra, Aldo Ernandi Rahmadini, Verny Raja Syaiful Anwar Raymond Raymond Rediston Sirait Rina S. Shahrullah Rina S. Shahrullah Rina Shahriyani Shahrullah Risky Hadi Putra Romadona, Hanifah Ghafila Rusdiana, Shelvi S Shahrullah, Rina Selviana, Devi Shahriyani Syahrullah, Rina Siburian, Hasoloan Silvia Yolanda Octavia Silviani, Ninne Zahara Situmeang, Ampuan Sudisno Sudisno Sugiyarto Sugiyarto Sylvana Agnetha Wulan Widyastuty Tan, David Tan, Winsherly Tedy Surya Triana Dewi Seroja Triana Dewi Seroja Uji Febianika Utami, Miming Utha Chuandra Vicky Septia Rezki Wagiman Wagiman Widarto, Muhammad Willson Willson Wulan Purnamasari Yan Pin Ziko Riandi