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All Journal Journal Analytica Islamica Unes Law Review Pena Justisia: Media Komunikasi dan Kajian Hukum International Journal of Multidisciplinary: Applied Business and Education Research INSPIRING LAW JOURNAL KOLABORASI: Journal of Multidisciplinary Jurnal Pengabdian Masyarakat SAPANGAMBEI MANOKTOK HITEI
Sarles Gultom
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Juridical Analysis of Cybercrime Carding: Crime of Credit Card and ATM Data Manipulation in Legal Perspective Sarles Gultom; Van Lodewijk Purba; Anggun Pasaribu
KOLABORASI: Journal of Multidisciplinary Vol. 2 No. 1 (2025): February
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/e47ma847

Abstract

Cybercrime carding, which involves the manipulation of credit card or ATM data, has frequently occurred in Indonesia and has gained significant international attention due to the risks associated with the misuse of technology in the digital information era. Several key issues require examination, including the factors causing cybercrime data manipulation, the modus operandi of cybercrime carding offenses, and the challenges and efforts in addressing this crime. The study, conducted using a library research method, concludes that cybercrime carding is driven by various factors such as rapid technological advancement, individuals testing their internet technology skills, socio-economic conditions, technical vulnerabilities, weak banking supervision systems, user negligence, inadequate network security, and lack of control by society and law enforcement agencies. The modus operandi of cybercrime carding includes Unauthorized Access to Computer Systems and Services, Illegal Content, Data Forgery, Cyber Espionage, Cyber Sabotage and Extortion, Offenses against Intellectual Property, and Infringements of Privacy. However, legal enforcement faces significant obstacles, including inadequate legal frameworks, limited investigative capabilities, insufficient evidence, and a lack of forensic computing facilities. One of the current efforts to combat cybercrime, including carding, is the formulation of the Draft Law on Electronic Information and Transactions (RUU ITE), which aims to establish comprehensive legal provisions for addressing cybercrime offenses in Indonesia.
Legal Analysis of Consumer Protection in E-Commerce Transactions Based on Contract Law and Law Number 8 of 1999 on Consumer Protection Sarles Gultom; Parlin Dony Sipayung; Yuspika Yuliana Purba; Natalia Ginting
KOLABORASI: Journal of Multidisciplinary Vol. 2 No. 1 (2025): February
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/k26kn838

Abstract

Legal protection for consumers in electronic transactions, as regulated in Article 1 paragraph 1 of Law No. 8 of 1999 concerning Consumer Protection which states that "Consumer protection is all efforts that guarantee legal certainty to provide protection to consumers", in transactions that usually use paper-based economy, but in E-Commerce transactions changing into digital electronic economy, special handling is needed from a legal perspective. Review of E-Commerce transactions viewed from a legal perspective, especially those regulated in Article 1320 of the Civil Code, is based on the legal power possessed by consumers in making transactions. This thesis analyzes the legal protection obtained by consumers in making transactions on electronic media. The research method used in this study is a normative legal library research method, namely research that refers to legal norms contained in laws and regulations, literature, expert opinions, and scientific journals. This research is expected to provide benefits both scientifically, namely in the study of legal science, and practically and academically, namely as input for authors and parties who wish to analyze the legal protection that arises in electronic transactions and regarding the validity of electronic contracts.
Legal Analysis of the Implementation of Criminal Sanctions in the Crime of Togel Gambling: Study of Court Decision Number 420/PID.B/2021/PN.SIM Sarles Gultom; Van Lodewijk Purba; Simeun Petrus Saragih
KOLABORASI: Journal of Multidisciplinary Vol. 2 No. 2 (2025): July
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/91pved27

Abstract

The rampant practice of lottery gambling in society reflects a failure in building public rationality that causes life to become more speculative, marked by uncertainty, instant mindsets, and dependence on luck through numbers, which ultimately erodes the values of hard work and discipline, while this study attempts to answer several main problem formulations, namely the factors that encourage someone to gamble on the lottery, the impacts caused to society, and how criminal responsibility is imposed on lottery gamblers, where this study uses a library research method (Library Research) by examining various legal sources such as laws and regulations, legal theories, court decisions, and expert opinions in order to find solutions to existing problems, so that it is concluded that the main factors that encourage lottery gamblers include gambling as a hobby, filling free time, environmental influences, and efforts to improve the economy, while the impacts of this gambling are very broad, including increased crime rates, financial problems, health problems, wasting time, wasting resources, social losses, wasting opportunities, and potential corruption, and based on the facts revealed in court, the Public Prosecutor charged the defendant with alternative charges based on Article 303 Paragraph (1) 1 and Article 303 Paragraph (1) 2 of the Criminal Code, so that the defendant can be held criminally responsible as regulated in Article 303 Paragraph (1) 2 of the Criminal Code in the Second Indictment.
JURIDICAL REVIEW OF AGREEMENTS PROVIDING BANKING LOANS (CREDIT) TO INDIVIDUAL CUSTOMERS IN THE FORM OF GENERAL RURAL CREDIT (KUPEDES) Gultom, Sarles; Sinaga, Merry Natalia; Caronina Sitepu, Desy Kartika; Maujana Saragih, Sepri Ijon; Utami, Fikha Syra
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 1 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i3.5131

Abstract

This article discusses the important role of the financial system, especially the People's Business Credit (KUPEDES) program, in supporting economic development in Indonesia, especially for Micro, Small, and Medium Enterprises (MSMEs). KUPEDES is designed to improve access to capital for rural communities that often have difficulty in meeting formal credit requirements. This program contributes to poverty alleviation and encourages local economic growth. With a clear legal framework, KUPEDES protects the rights and obligations of banks as credit providers and customers as credit recipients. The dispute resolution mechanism regulated by the OJK provides legal certainty, increasing customer confidence in applying for credit. However, challenges remain, especially in ensuring customer understanding of credit terms and risks. Therefore, it is important for financial institutions to provide adequate education on the legal dimensions of credit agreements. Implementation of training and counseling programs can help customers manage their finances wisely. Overall, KUPEDES is not only a tool to improve access to capital, but also a driver of financial inclusion that strengthens the rural economy and supports sustainable growth in Indonesia. An in-depth analysis of the legal aspects of the KUPEDES agreement is essential to ensure compliance and sustainability of rural economic development through financial inclusion.
Merealisasikan Perlindungan Hukum Dari Kekerasan Seksual Di Dalam Lingkungan Kampus Universitas Simalungun Rony Andre Christian Naldo; Muldri P J Pasaribu; Sarles Gultom; Elpina Elpina; Diarmin Saragih; Luga P Manalu; Srikandi K L Sianipar
Jurnal Pengabdian Masyarakat Sapangambei Manoktok Hitei Vol. 4 No. 2 (2024): Jurnal Pengabdian Masyarakat SAPANGAMBEI MANOKTOK HITEI
Publisher : Universitas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/66s8kr27

Abstract

Lingkungan kampus USI harus menjadi tempat penyelenggaraan pendidikan tinggi yang aman dan nyaman, agar dapat dilaksanakan proses pembelajaran secara maksimal, sehingga tercapai fungsi dan tujuan penyelenggaraan pendidikan. Dalam penyelenggaraan pendidikan tinggi di dalam lingkungan kampus USI, tentunya juga tidak tertutup kemungkinan terjadi kekerasan seksual. Guna memberikan dan menciptakan jaminan perlindungan hukum dari kemungkinan terjadinya kekerasan seksual di dalam lingkungan kampus USI, berdasarkan SK Rektor USI Nomor: 127/A.07/USI/2024 tanggal 4 Juli 2024, telah dibentuk dan ditetapkan Satgas PPTPKS, yang unsurnya terdiri dari Tenaga Kependidikan dan mahasiswa/i. Pembentukan Satgas PPTPKS tersebut merupakan kewajiban dan urgensi serta juga merupakan bentuk tindakan preventif USI terhadap kemungkinan terjadinya kekerasan seksual dalam penyelenggaraan pendidikan tinggi di dalam lingkungan Kampus USI. Melalui Satgas PPTPKS yang telah dibentuk Rektor USI, maka direalisasikan perlindungan hukum dari kekerasan seksual di dalam lingkungan kampus USI bagi seluruh Tenaga Kependidikan, mahasiswa/i, dan warga kampus, sehingga lingkungan kampus USI menjadi tempat penyelenggaraan pendidikan tinggi yang aman dan nyaman guna tercapainya fungsi dan tujuan penyelenggaraan pendidikan
Co-Authors Anggun Pasaribu Caronina Sitepu, Desy Kartika Damanik, Bela Riksa Z Desy Kartika C. Sitepu Diarmin Saragih Dony Sipayung, Parlin Elpina Elpina Elpina Elpina Elpina, Elpina Elpina, Elpina James Pasaribu, Muldri Pudamo Lodewijk Purba, Van Luga P Manalu Manalu, Luga P Maujana Saragih, Sepri Ijon Moonti, Roy Marthen Muhammad Fachryan Arbi Muldri P J Pasaribu Nababan, Bramayana Naldo, Rony Andre Christian Natalia Ginting Novelina Mutiara Sariati Hutapea Parlin Dony Sipayung PURBA, IKA ROSENTA Rais, Azhari Rony Andre Christian Naldo Saragih, Diarmin Saragih, Hisarma Saragih, Sepriandison Sianipar, Srikandi K L Simeun Petrus Saragih Sinaga, Merry Natalia Sipayung, Parlin Dony Sirait, Kevin Sturges Sitorus, Dion Yoas Situmeang, Josua Srikandi K L Sianipar Telaumbanua, Chris Jolly Gunanta Ulinta, Novi Marnata Roma Utami, Fikha Syra Van Lodewijk Purba Van Lodewijk Purba Yudha Putra Tampubolon Yuspika Yuliana Purba