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All Journal JURNAL ILMIAH LIVING LAW PROGRESIF: Jurnal Hukum AL IMARAH : JURNAL PEMERINTAHAN DAN POLITIK ISLAM Jurnal Hukum Sehasen JIMAKUKERTA Indonesian Journal of Multidisciplinary Sciences Jurnal HAM
Hendi Sastra Putra
Fakultas Hukum Universitas Muhammadiyah Bengkulu
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Implementation of Digital Consumer Protection Principles in Fintech Lending Electronic Contracts in the Digital Era Muhammad Mahfuddin Sholeh; Sinung Mufti Hangabei; Hendi Sastra Putra; Miko Ardinata
JURNAL ILMIAH LIVING LAW Vol. 18 No. 2 (2026): Jurnal Ilmiah Living Law
Publisher : Universitas Djuanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jill.v18i2.26123

Abstract

This study aims to analyze the implementation of digital consumer protection principles in fintech lending electronic contracts, identify the forms of legal protection that have been accommodated in contractual arrangements, and evaluate their compliance with the principles of justice, transparency, balance, data security, good faith, and legal certainty. The study uses a normative legal method with a statutory, conceptual, and case-based approach. Legal materials were obtained through a literature review covering legislation, legal doctrine, scientific journals, and relevant literature. The analysis was conducted qualitatively through systematic, grammatical, and teleological legal interpretation to assess the implementation of consumer protection norms in the substance of electronic contracts. The results show that the principle of legal certainty has been implemented relatively well through the regulation of the identities of the parties, the object of the agreement, and the dispute resolution mechanism. Conversely, the implementation of the principles of fairness, transparency, balance, personal data security, and good faith remains suboptimal due to the continued use of standard clauses that limit consumers' bargaining power, a lack of information transparency, and incomplete personal data protection regulations. This study emphasizes the need to improve fintech lending electronic contract standards, orienting them more toward digital consumer protection through strengthening contractual substance, harmonizing regulations, and increasing oversight of digital financial service providers to ensure legal certainty and fairness in electronic transactions.
EDUKASI HUKUM BAGI SISWA YANG MENGENDARAI KENDARAN BERMOTOR Qori sepmei jasika dwiputri; Rio Kapila; Megasari Aprianiarti; Hendi Sastra Putra
Jurnal Ilmiah Mahasiswa Kuliah Kerja Nyata (JIMAKUKERTA) Vol. 6 No. 2 (2026): JIMAKUKERTA
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Muhammadiyah Bengkulu

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Abstract

Penggunaan kendaraan bermotor oleh anak di bawah umur merupakan fenomena yang marak terjadi di berbagai daerah, terutama di wilayah perkotaan dan pedesaan yang kurang pengawasan. Kurangnya literasi hukum menjadi salah satu faktor utama yang menyebabkan anak-anak dan orang tua mereka tidak memahami konsekuensi hukum dan risiko keselamatan dari tindakan tersebut. Artikel ini membahas pentingnya literasi hukum sebagai upaya preventif dalam menekan angka pelanggaran lalu lintas oleh anak di bawah umur. Literasi hukum tidak hanya berkaitan dengan pemahaman terhadap aturan dan sanksi, tetapi juga menyangkut kesadaran akan tanggung jawab sosial dan etika berkendara. Penelitian ini menggunakan pendekatan kualitatif dengan studi literatur dan observasi lapangan untuk menggambarkan hubungan antara rendahnya pemahaman hukum dengan tingginya angka pelanggaran lalu lintas usia dini. Hasil analisis menunjukkan bahwa peningkatan literasi hukum di kalangan pelajar dan orang tua melalui pendidikan formal dan nonformal dapat menjadi solusi efektif dalam membangun budaya tertib berlalu lintas sejak dini.
Co-Authors Ahmad Dasan Ciesa Nodi Fedriano Hangabei, Sinung Mufti Megasari Aprianiarti Meliya Andani Meri Suarti Mikho Ardinata Miko Ardinata Muhammad Fadhlurrahman Muhammad Mahfuddin Sholeh Qori sepmei jasika dwiputri Radbiah Rahmadani Rangga Jayanuarto Rio Kapila Sandi Aprianto Susiyanto Susiyanto Tya Joice Angelia