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All Journal Kertha Negara : Journal Ilmu Hukum Pena Justisia: Media Komunikasi dan Kajian Hukum
Ida Bagus Gede Satya Wibawa Antara
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Law, Crime, Criminology & Criminal Justice

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HARMONISASI PENGATURAN PERSYARATAN TENAGA KERJA ASING DALAM SKEMA REGULASI ASEAN ECONOMIC COMMUNITY Ida Bagus Gede Satya Wibawa Antara; Ida Bagus Wyasa Putra; Ida Bagus Erwin Ranawijaya
Kertha Negara : Journal Ilmu Hukum Vol. 04, No. 06, Oktober 2016
Publisher : Kertha Negara : Journal Ilmu Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (177.869 KB)

Abstract

Harmonisasi hukum merupakan suatu penggabungan dan penyalarasan peraturanhukum, untuk menghindari peraturan hukum yang berbenturan atau disharmonisasihukum, pada tahun 2008 ASEAN mengeluarkan Cetak Biru Masyarakat ekonomiASEAN 2015, yakni sebuah perjanjian internasional yang mengatur tentang arusbebas terhadap beberapa sektor ekonomi, termasuk yaitu Tenaga Kerja terlatih,dalam pembebasan tenaga kerja terlatih ini, ASEAN pun menemui hambatanhambatanterhadap produk hukumnya sendiri yakni setiap negara anggota ASEANmemiliki peraturan yang berbeda-beda terhadap Tenaga kerja asing yangberkeinginan bekerja di wilayah sesama negara ASEAN.
The Relevance of Caveat Emptor Doctrine to Online Loan Contracts in Indonesia Kennedy, Alexander; Ida Bagus Gede Satya Wibawa Antara; Sophia Al Hikmah; Victor Pandunata
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i2.6304

Abstract

The rapid development of financial technologies in the internet-based P2P lending platform revolutionizes the way to get access to credit by directly connecting borrowers and lenders. It also develops grave legal issues coupled with consumer protection matters, primarily because of the problems arising from information asymmetry and the dominance of platform-controlled contracts. This research attempts to examine the possibility of the application of the caveat emptor doctrine on online loan contracts in Indonesia and whether or not the application of the doctrine is too oppressive for the borrowers amidst the development of fintech. Adopting a normative juridical type of research, this research follows a close examination of the laws, regulations, court decisions, and legal literature. This study shows that, while caveat emptor still applies, its unqualified application is modified by robust consumer protection law that imposes standards of transparency and honesty on the lending sites. Problems of usury rates of interest, oppressive debt collection, and privacy violations all suggest the necessity for greater regulatory supervision and better consumer financial education. It contributes to the legal literature as the reinterpretation of traditional contract law principles-that is, pursuant to cases brought about by the digital era-provides balanced insights relevant to regulators, platform providers, and consumers. The research thus points to the need to balance these ancient doctrines with modern consumer protection mechanisms to achieve equity and sustainability in the online lending market.
Co-Authors Ida Bagus Erwin Ranawijaya Ida Bagus Wyasa Putra Kennedy, Alexander Sophia Al Hikmah Victor Pandunata