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All Journal PROSIDING SEMINAR NASIONAL Jurnal Dinamika Hukum Jurnal Privat Law Jurnal Hukum dan Pembangunan Ekonomi Privat Law JURNAL PENDIDIKAN TAMBUSAI Kosmik Hukum JURNAL HUKUM dan KENOTARIATAN Jurnal Ilmu Kepolisian Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Cahaya Mandalika International Journal of Educational Research and Social Sciences (IJERSC) Jurnal Locus Penelitian dan Pengabdian Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) International Journal of Sustainability in Research (IJSR) Hukum Inovatif : Jurnal Ilmu Hukum Sosial dan Humaniora Jurnal Medika: Medika Journal of Law and Legal Reform Amandemen: Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesia Demokrasi: Jurnal Riset Ilmu Hukum, Sosial dan Politik Aliansi: Jurnal Hukum, Pendidikan dan Sosial Humaniora Indonesian Journal of Social Sciences and Humanities
Arief Suryono
Universitas Sebelas Maret
Aerospace Engineering Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Analisis Klausul Baku Perjanjian Kredivo dalam Perspektif Asas Keseimbangan Undang-Undang Perlindungan Konsumen Amanda Revalina Santosa; Arief Suryono
Indonesian Journal of Social Sciences and Humanities Vol. 6 No. 2 (2026): Indonesian Journal of Social Sciences and Humanities (IJSSH)
Publisher : Indonesian Publication Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67434/ijssh.v6i2.2527

Abstract

The rapid expansion of fintech lending services in Indonesia carries significant legal consequences, particularly concerning the bargaining imbalance between platform operators and consumers. Agreements unilaterally standardized by business actors frequently place consumers in a disadvantageous position with no room for negotiation. This study examines whether the standard clauses contained in Kredivo's agreement reflect the principle of balance as stipulated in Article 2 letter c of Law Number 8 of 1999 on Consumer Protection. A normative approach is employed, utilizing comparative analysis against the provisions of the Consumer Protection Act, OJK Regulation Number 10/POJK.05/2022, and the consumer protection theory of Prof. Moch. Isnaeni. The findings reveal that Kredivo's agreement still contains at least three clauses potentially null and void by law: the liability transfer clause for merchant goods and services, the unilateral amendment clause for terms and fees, and the indemnification clause exempting Kredivo from third-party claims related to emergency contact collection. All three clauses directly contravene the prohibitions in Article 18 paragraph (1) of the Consumer Protection Act and do not yet reflect the balance principle required by regulation. Recommendations are directed to OJK to strengthen oversight of standard agreement content, to Kredivo to revise the problematic clauses, and to consumers to enhance their legal awareness.
Analisis Yuridis Prinsip Kehati-hatian Terhadap Kredit Macet Akibat Penyalahgunaan Prosedur Pada Tiga Bank Aulia Tarin Arunala; Arief Suryono
Indonesian Journal of Social Sciences and Humanities Vol. 6 No. 2 (2026): Indonesian Journal of Social Sciences and Humanities (IJSSH)
Publisher : Indonesian Publication Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67434/ijssh.v6i2.2547

Abstract

This research aims to conduct a legal analysis of the effectiveness of implementing the principle of prudence in the credit disbursement cycle, as well as to examine procedural abuses that frequently occur and serve as loopholes for both internal and external parties.This study is a normative legal study employing a statutory approach, a case-based approach, and a conceptual approach. The legal materials used include primary and secondary sources. The technique employed for collecting legal materials is literature review. This study utilizes a deductive analytical method, which involves drawing conclusions from general principles to specific cases. This study analyzes the implementation of the Prudence Principle as a mandatory legal norm in maintaining banking stability and public confidence. Through the cases of Bank Mandiri Bukittinggi, BPD NTT, and Bank Muamalat Harkat, a significant disconnect was found between regulations (the Banking Law and the Sharia Banking Law) and operational practices. Violations include failures in Know Your Customer protocols, manipulation of financial data due to internal collusion, and defects in the authenticity of collateral documents. The study concludes that disregard for these principles degrades bank functions and threatens systemic stability. Regulatory effectiveness requires not only compliance with formalities but also depends on managerial integrity, strict internal oversight, and the ability to detect procedural deviations early on.
Co-Authors Ade Izdihar, Raihan Adi Sulistiyono Adiartha, Aviyado Surya Adisty Ananda Putri Afrianarko, Fairuz Ahmad Jaeni Al Sentot Sudarwanto Albertus Sentot Sudarwanto, Albertus Sentot Alya Para Mestri Amalia, Putri Nur Amanda Revalina Santosa Anom Dwi Prakoso Ardian, Kukuh Asna Zamharira Asya, Jasran Aulia Rahma, Anisa Aulia Tarin Arunala Ayu Sholihah, Zuliana Burhanudin Harahap Citra Amira Zolecha Citra Hafshah Maharani Desi, Puspita Trimulya Dewayanti, Irma Dian Lukita Sari Diana Tantri Cahyaningsih Didik Gunawan Tamtomo Didik Tamtomo, Didik Dina Fiddaniah Dinda Bertha Ivana Dona Budi Kharisma, Dona Budi Dono Indarto Endang Sutisna Sulaeman Faizal T.A., Muhammad Fernandes, Acacio Fitia Maulidia Rahma Fitriandi, Fitriandi Gusti Ayu Utami Hanifah Romadhoni Hanifah Romadhoni, Hanifah Hari Purwadi Hari Purwadi, Hari Hartono Putri, Earline Gracella Haryanto, Nanda Dwi Hasna Nailah Yustisiana Himawan, Hartani Hutama P, M. Bagas Indriyati Oktaviano Rahayuningrum Isharyanto Isharyanto ITOK DWI KURNIAWAN Ivana, Dinda Bertha Jamal Wiwoho Juan, Christopher Khotimah, Allifah Khusnul Kinanti, Alya Putri Laksono Trisnantoro Linda Widyaningrum, Linda LINDAWATI M. Hudi Asrori S Makbul, A. Makbul, Ahmad Meiliana, Brigita Cindy Monicha, Defi Muhammad Haikal Arsya Muliani, Candra Wiwit Mulyoto mulyoto Mustika Larasati Nanda Dwi Haryanto Oky Tiara Putri Pratiwi, Arinda Dyah Pratiwi, Danies Tunjung Pujiyono Pujiyono Purbokusumo, Muhammad Bagas Hutama Putra, Bayu Setiawan Hendri Putri Hasan, Naomi Adinda Putri, Adisty Ananda Raharjo, Prasetyo Rahayuningrum, Indriyati Oktaviano Ramadhani, Luthfiyyah Pahlevi Ridho, M Ghusni Rizkina, Silfi Robby Saprilla Manu Pratama Putra Rosita Tryas Fitriana Safira El Ulya Wahid Salsabila, Erdhyna‘Afifah Saptanti, Noor Sari, Silvi Triadita Sediyo, Panggih Sezia Nur Aini, Mutia Siallagan, Sahat Poltak Siti Aminah Siti Marfuah, Siti Siti Muslimah Suhadi Suhadi suraji suraji Susilo, Lukman Endro suwadi, pujiyono Tsania Nurul Azkia Tuhana Tuhana Vania Syane Gunawan, Irish Vita Dyah Mandasari Wahyu Fitria, Nabila Wanda Yunitha Purba, Agata Wariyanti, Astri Sri Yatmi Nengsih Yelina Rachma Pranamawati Yudho Taruno Muryanto Zamharira, Asna