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All Journal Masalah-Masalah Hukum Abdimas JURNAL LITIGASI (e-Journal) Jurnal Dinamika Hukum ECSOFiM (Economic and Social of Fisheries and Marine Journal) Arena Hukum Qistie: Jurnal Ilmu Hukum Diponegoro Law Review Law and Justice Journal of Indonesian Legal Studies Halu Oleo Law Review Substantive Justice International Journal of Law Diponegoro Private Law Review Anuva: Jurnal Kajian Budaya, Perpustakaan, dan Informasi JURNAL PENGABDIAN KEPADA MASYARAKAT Jurnal Meta-Yuridis Jurnal Pengabdian Hukum Indonesia (Indonesian Journal of Legal Community Engagement) JPHI JURNAL MERCATORIA Kosmik Hukum Jurnal de jure Jurnal Abdi Masyarakat (JAM) Indonesian Journal of Advocacy and Legal Services Jurnal Abdi Insani KRTHA BHAYANGKARA The Indonesian Journal of International Clinical Legal Education Seminar Nasional Hukum Universitas Negeri Semarang Jurnal Suara Hukum Indonesia Private Law Review Jurnal Pengabdian Masyarakat Indonesia Nama jurnal : International Journal of Education and Humanities Audito Comparative Law Journal (ACLJ) Jurnal Bina Desa East Asian Journal of Multidisciplinary Research (EAJMR) Formosa Journal of Multidisciplinary Research (FJMR) Perspektif Hukum Education Journal: General and Specific Research Eduvest - Journal of Universal Studies Madani: Multidisciplinary Scientific Journal Hukum dan Politik dalam Berbagai Perspektif Prosiding Temu Ilmiah Nasional Guru Annual Review of Legal Studies Jurnal Pendidikan Dasar dan Keguruan Journal of Law and Legal Reform The Indonesian Journal of International Clinical Legal Education Pandecta : Jurnal Penelitian Ilmu Hukum (Research Law Journal) Journal of Private and Commercial Law Indonesian State Law Review (ISLRev) Indonesian Journal of Advocacy and Legal Services "Indonesian Journal of Environmental Law and Sustainable Development " JILS (Journal of Indonesian Legal Studies) International Law Discourse in Southeast Asia Semarang State University Undergraduate Law and Society Review Indonesia Media Law Review Law Research Review Quarterly Unnes Law Journal : Jurnal Hukum Universitas Negeri Semarang
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Comparative Study of Mediation Practices in Financial Disputes Between Indonesia’s LAPS SJK and Singapore’s FIDReC Framework Handriyanto Wijaya; Dewi Sulistianingsih; Irawaty
Kosmik Hukum Vol. 26 No. 1 (2026)
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/kosmikhukum.v26i1.29031

Abstract

This article conducts a doctrinal and comparative analysis of Indonesia’s LAPS-SJK and Singapore’s FIDReC to examine how institutional design shapes fairness, accessibility, and legitimacy in financial dispute resolution. Drawing on normative legal methods and qualitative thematic analysis, the study evaluates each institution’s governance structure, mediation model, procedural architecture, transparency practices, and enforcement mechanisms. The comparison shows that the two bodies are grounded in distinct regulatory logics that produce markedly different capacities to mitigate information asymmetry in financial disputes. LAPS-SJK adopts a facilitative mediation model that emphasises party autonomy and mediator neutrality. In practice, however, this approach proves inadequate in an environment where consumers face complex financial products and substantial informational disadvantages. The absence of evaluative guidance, combined with a single-tier dispute-resolution structure, limited transparency, and weak enforcement, often restricts consumers’ ability to secure substantively fair outcomes. These features risk reinforcing rather than correcting existing power imbalances. FIDReC, by contrast, employs a hybrid mediation model that permits evaluative input and is supported by a two-tier system in which adjudication operates as a safeguard against unfair settlements. Its robust transparency regime—featuring detailed annual reports and anonymised case summaries—enhances institutional accountability and predictability. Binding outcomes backed by MAS oversight further strengthen compliance and user confidence. The study concludes that effective financial dispute resolution requires more than statutory mandates; it depends on institutional capacity, regulatory coherence, and mechanisms that actively address structural inequalities. The contrasting experiences of LAPS-SJK and FIDReC highlight the importance of transparency, evaluative support, and enforceability in promoting procedural justice and institutional legitimacy.
Strengthening Indonesia’s Financial Consumer Protection Framework: A Comparative Analysis of the U.S. Consumer Financial Protection Bureau Tri Herdianto; Dewi Sulistianingsih; Pujiono
Kosmik Hukum Vol. 26 No. 1 (2026)
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/kosmikhukum.v26i1.29055

Abstract

This research examines the legal standing and statutory authority of the Financial Services Authority (Otoritas Jasa Keuangan, OJK) to commence civil proceedings on behalf of consumers in Indonesia’s financial services sector, a mandate that has gained increasing relevance amid the expansion of complex financial products and digital delivery channels. Grounded in Law No. 21 of 2011 and its implementing regulations, OJK’s litigation power is conceptualised as a regulatory enforcement mechanism intended to address structural consumer disadvantages, strengthen institutional accountability, and promote compliance with market-conduct norms. The analysis situates this authority within broader doctrinal frameworks, including public interest litigation, administrative law principles, and regulatory enforcement theory. To provide comparative context, the article briefly contrasts OJK’s mandate with the enforcement powers of the United States Consumer Financial Protection Bureau (CFPB), a leading model in consumer-focused financial regulation.  Using a normative juridical methodology, the article evaluates the practical effectiveness of OJK-initiated civil actions and compares them with alternative redress mechanisms, such as class actions. The findings indicate that despite a clear statutory foundation, OJK’s use of civil litigation remains limited by procedural uncertainties and institutional preferences for non-judicial approaches. Nevertheless, OJK-filed lawsuits hold significant potential to enhance remedial access, improve evidentiary processes, and create stronger deterrence against market misconduct. The study concludes that clearer procedural guidelines and strengthened institutional capacity are essential to optimise OJK’s role in consumer protection.
Pancasila as a Paradigm in Shaping Communication Ethics in the Digital Age Martya Putri, Bernadeta Aprilla; Anindya, Nasywa Alif; Zahirotul Hikmah, Cindy Noor Laila Zahirotul Hikmah; Muchtar, Putri Fadhilla; Sulistianingsih, Dewi
Indonesia Media Law Review Vol. 4 No. 2 (2025): July-December, 2025
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/imrev.v4i2.36573

Abstract

Developments in the digital era have changed the way people communicate, especially through social media. Nowadays, communication can be done freely, but this freedom is actually abused by many people to cause several problems, such as hoaxes, privacy violations, and even hate speech. Therefore, the purpose of this study is to analyze the role of Pancasila education in shaping civilized ethics in the digital era. This research uses a descriptive qualitative method with a literature study approach, namely analyzing and collecting data through various sources, such as journals, scientific articles, and books that are still relevant to the topic discussed. The results show that the values contained in Pancasila are very important to be used as digital ethics. This research also shows that digital literacy and the implementation of Pancasila values in communication ethics in Indonesia are low. In contrast, Finland has high digital literacy and their readiness to add ethical teachings into their curriculum since early childhood education. Solutions offered include the implementation of Pancasila values into the curriculum from an early age as well as campaigns or calls that emphasize the importance of polite communication and respect for everyone's privacy.
Voter Education and Constitutional Democracy: A Socio-Legal Analysis of the Cirebon Regency General Election Commission Puspawati, Esya Karnia; Sulistianingsih, Dewi; Martitah; Sunoto
International Journal of Education and Humanities Vol. 6 No. 2 (2026): International Journal of Education and Humanities (IJEH)
Publisher : Ilmu Inovasi Nusantara

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

Abstract

Voter political education constitutes a crucial challenge in consolidating constitutional democracy, particularly in addressing low political awareness, procedural participation, and limited understanding of constitutional values among voters. In many regions, voter participation tends to be driven by administrative compliance rather than informed and responsible civic engagement, which may weaken the substantive quality of democracy. Responding to this problem, this study aims to analyze the role of the General Election Commission in implementing voter political education and to examine its contribution to strengthening constitutional democracy, with specific attention to the practices of the Cirebon Regency General Election Commission. This research employs a socio-legal approach that integrates normative legal analysis and empirical qualitative methods. Normatively, the study examines constitutional provisions, election laws, and regulatory frameworks governing political education for voters. Empirically, qualitative data are derived from official documents, institutional reports, and records of political education activities conducted by the Cirebon Regency General Election Commission. Data are analyzed to assess the alignment between legal mandates and practical implementation at the regional level. The findings indicate that voter political education possesses a strong constitutional and statutory foundation, which legitimizes its implementation as an integral function of election management bodies. In practice, the Cirebon Regency General Election Commission implements political education through educational outreach, inter-institutional collaboration, and adaptive strategies targeting diverse voter groups, particularly first-time voters. These initiatives extend beyond technical election socialization by emphasizing constitutional values, democratic rights, and civic responsibility. The study implies that effective voter political education serves as a strategic bridge between legal norms and democratic practice. Strengthening such programs can enhance constitutional awareness, promote meaningful political participation, and reinforce constitutional democracy at the local and regional levels
Co-Authors Abdul Muftar Rifki Maulana Abid A Syakur, Muhammad Abraham Abraham Abraham Abraham Achmad Fahmi Zulfikar Adinda Febriza Aditya Irvine Raiza, Faiz Adnan Ibrahim Sarhan Agus Sulistiyanto, Sadam agustin, windi Ahmad Habib Al Fikry Aimee, Iftina Cahyanda Putri Ainun Qadisah , Altares Ali Masyhar Alkhair, Rayyan Amelia Eka Rahmawati andaniswari, okky Andry Setiawan Andry Setiawan, Andry Andry Setyawan, Andry Anggeraeni, Ayuk Anindya, Nasywa Alif Anis Widyawati Aprila Niravita, Aprila Apriliana Khomsa Kinanti Apriliana Khomsa Kinanti Apriliyanto, Muhamad Syahrul Ardiyansyah, A’an Ilham Arif Hidayat Arif Hidayat Arifa, Masyitha Aulia Artistry, Vitri Dini Aryanda, Avilla Deva Asep Rozali Asep Rozali, Asep Azizah, Afidatul Bagas Bilowo Nurtantyono Satata Bagus Setyadi, Hudha Bin Hassan, Muhammad Sayuti Binti Mohd Yusoff, Rahmawati Cahya, Ginta Amelia Dani Muhtada Dave, Yehezkiel Aldorino Didya Deni Haspada Desi Nurlaeli , Putri Devara, Hafiz Rama Dewi Fatmawati Dyajeng Ayu Musdalifah edi pramono Fahturosa, Annisa Rukhillah Nur Fakhrirafi Zharfan Faliha, Nafiza Salsabila Fauzan, Moh. Mustakim Fauzi, Agvin Fibriani, Indira Firdaus, Gilbert Fithriyatirrizqoh, Fithriyatirrizqoh Gasaga, Angga Giarningtyas, Naufalia Ginting, Nurul Agustina Haidarrani, Ananda Hairani, Justika handayani, mei Handriyanto Wijaya Harry Nugroho, Harry Hendri Januar Romadhon Hermawan, Adellya Salsabilla Hesty Alya Utami Hibahtillah, Muhammad Alldo Hidayah, Fenty Nur Ilmiyah, Nofika Irawaty Jafar Sidik Jaya Adi Putra Jesi Alexander Alim Jihan Pinasti, Kana JOKO SUSANTO Karuna, Indrayana Chandra Kristant, Lisa KS, Nayif Zayyaan Musyaffa’ Kusuma Dewi, Indahsari L., Khasanah S. Laeliyah, Dini Sofia Laga Sugiarto Larasati, Pradita Adila Lestari, Berlian Putri Hayu Lestari, Dhea Indah M Riski Amin M Maharani, Ferra Tiara Martitah Martitah Martitah Martitah Martitah Martya Putri, Bernadeta Aprilla Masrukhi Masrukhi Masyitha Aulia Arifa Maulana, Mochammad Rizky Mayaka, Raphael Bertrand Ma’ruf, Amar Mentari Berliana Kemala Dewi Miftakhul Ihwan Mila Rizki Aulia Mohammad Reza Fachruddin Mohammad Reza Fachruddin Mohd Yusoff, Rahmawati Mubarokah, Wakhidatul Muchammad Shidqon Prabowo Muchtar, Putri Fadhilla Muflikh, Alna Aulin Miftakhul Muhammad Nurul Amin Muhammad, Raihan Muhklasin, Raden Muhammad Mukti, Wisnu Ali Musafa, Alief Qurratul Ain Mutia Yulita Sari Nafi, Zidna Ilma Nazwa Nursakinah Neni Hermita Ngboawaji Daniel Nte Ningsih, Ayup Suran Nisrina, Ghina Nor Fitriana, Desy Nugraheni, Prasasti Dyah Nurrohmah Nurrohmah, Nurrohmah Nurseha, Sabina Syaharani Orlov, Oleg Pangesti, Delia Panusunan, Panusunan Pebriyani, Aulia Prabowo, Bima PRAMONO, SIGIT EKA Pramudita, Wahyu Sinta Dewi Pratama, Muhammad Gadik Puji Lestari, Diaj PUJIONO Pujiono Pujiono Pujiono Pujiono Purnama, Galuh Putri Puspawati, Esya Karnia Putra, I Made Widia Wirya Putra, Muhammad Reza Wahyu Artura Putri, Ambar Krisna PUTRI, VIVIE NOVINDA SEKAR Putu Rahayu, Sang Ayu Qadisah, Altares Ainun R. Kemala Nababan, R. Kemala R. Suharto Rachmitasari, Diani Indah Raden Muhammad Arvy Ilyasa Rafli Ananta, Bintang Rahmawan Dianto Rama Devara, Hafiz Ramadan, Daud Renata Candra Ramli, Asmarani Ratna Laniati Renggha Prima Ridwan Arifin Rifqa Gusmida Syahrun Barokah Rindia Fanny Kusumaningtyas Rini Fidiyani Rini Fidiyani Rini Fidiyani Rini Fidiyani Ristina Yudhanti Rodiyah - Rosalinda, Yunita Sarah Safitri, Gianefi Salsabila, Arini Sarah Atikasari Sari, Gholin Noor Aulia Saru Arifin Sasvia, Hayyu Satata, Bagas Bilowo Nurtantyono Septhian Eka Adiyatma Shidqon Prabowo, Muchammad Sidik, Jafar Silalahi, Bob Ben Salomoan Sinaga, Dearni Meli Asih Siti Susanti, Siti Slamet Sumarto SUGIARTO, LAGA Suhadi Suhadi Sukma, Mayzura Kamila Sunoto Suroso, Brian Ahmad Syakila, Nabila Putri Tri Herdianto Triyono Triyono Ulya, Zakiah Utami, Melliniarini Dibura Wafiroh, Avina Wahyu Setiaji Wardhani, Harumsari Puspa Wedhatami, Bayangsari Widyaningsih, Ratna Wijaya, Christian Chandra Windi Agustin Yaqin, Aenul Yudistira, Ivan Bhakti Yuli Prasetyo Adhi Yuli Prasetyo Adhi Yuli Prasetyo Adhi Yuli Prasetyo Adhi Yuli Prasetyo Adhi Yuni Anan Yusoff, Rahmawati Mohd Zahirotul Hikmah, Cindy Noor Laila Zahirotul Hikmah Zahra Az Sha’idah Zahra Hasan, Nashwa Zahra, Humaerotuz