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Gunawan Widjaja
Faculty Of Law Universitas 17 Agustus 1945 Jakarta, Indonesia
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Veterinary Other

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CURRENT THREATS TO CYBER SECURITY: STRATEGIES FOR PROTECTING PERSONAL DATA IN THE DIGITAL AGE Gunawan Widjaja
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 11 (2025)
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The development of digital technology has brought convenience to various aspects of life, but on the other hand, it has also given rise to increasingly complex cyber security threats. Personal data is now a prime target for attacks because it has high economic value and can be exploited for illegal purposes. The latest threats include phishing, malware, ransomware, data leaks, attacks on Internet of Things devices, and digital manipulation using deepfake technology. The complexity of these threats not only harms individuals, but also impacts organisational security, social stability, and public trust in the digital ecosystem. Therefore, personal data protection strategies are crucial in facing the ever-evolving dynamics of cyber attacks. Effective strategies for protecting personal data include the use of two-factor authentication, data encryption, regular system updates, and the use of artificial intelligence for early threat detection. In addition, improving public digital literacy plays a central role in preventing social manipulation, while legal regulations such as the Personal Data Protection Act are an important foundation for upholding individual privacy rights. With a combination of technology, regulation, and digital awareness, personal data security can be strengthened so that the risk of cyber threats can be minimised. This study provides a comprehensive overview of current threats and offers adaptive mitigation strategies in the digital age.
EVALUATION OF THE TRANSPARENCY OF LEGAL ONLINE LENDING PLATFORMS IN TERMS OF COSTS: A LITERATURE REVIEW OF INTEREST RATES, TERMS, AND PENALTIES Gunawan Widjaja
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 11 (2025)
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The development of legal online lending services in Indonesia has opened up quick and easy access to financing for the public, but on the other hand, it has raised challenges related to the transparency of loan cost information. This study aims to evaluate the transparency of the main cost components on legal online lending platforms, which include interest rates, loan terms, and late fees through a literature review and analysis of current regulations. The results of the study show that although the regulations of the Financial Services Authority (OJK) and the guidelines of the Indonesian Joint Funding Fintech Association (AFPI) set limits and disclosure obligations, implementation in the field is still varied and not yet fully transparent to consumers. The lack of information transparency has the potential to pose financial risks to borrowers and affect public trust in legal online lending services. This study recommends strengthening regulations, supervision, and consumer education as strategic steps to improve transparency and consumer protection in the fintech lending ecosystem in Indonesia.
TRANSPARENCY OF ONLINE LOAN INFORMATION: ANALYSIS OF DISCLOSURE OF INTEREST RATES, TERMS, ADDITIONAL FEES, AND LATE PAYMENT PENALTIES Gunawan Widjaja
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 11 (2025)
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This study aims to analyse the level of information transparency in online loan applications in Indonesia, focusing on four main aspects, namely interest rate disclosure, loan terms, additional costs, and late payment penalties. The background to this study stems from the phenomenon of the proliferation of online loan services that offer easy access to financing, but are often accompanied by significant risks due to the lack of clear and easily understandable information for consumers. The method used is descriptive qualitative with a content analysis approach, where primary data is obtained through direct review of official and unofficial online loan applications, while secondary data is collected from academic literature, regulatory reports, and related publications. The results of the study show that most online loan applications still do not fully comply with the principle of information disclosure. Interest rates are often displayed only on a daily basis, obscuring the effective annual interest rate, the term is not always disclosed in detail from the outset, additional costs often appear in the form of hidden deductions, and late fees are rarely clearly explained with a transparent calculation mechanism. This situation not only has the potential to harm consumers financially, but also has an impact on psychological aspects and reduces the level of trust in the fintech lending industry as a whole. The implications of this study emphasise the importance of the active involvement of three main parties, namely online loan providers, regulators, and consumers. Service providers are expected to increase transparency with clear and uniform information standards; regulators such as the OJK and AFPI need to tighten supervision and set disclosure standards based on the Annual Percentage Rate (APR); while consumers need to continue to improve their financial literacy in order to be able to critically assess risks. With this synergy, it is hoped that online lending services can develop in a healthier, fairer, and more sustainable manner in supporting financial inclusion in Indonesia.
THE EFFECTIVENESS OF GOVERNMENT SUBSIDIES AND LOW-COST FINANCING SCHEMES IN EQUALISING ACCESS TO LAND REGISTRATION Gunawan Widjaja
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 11 (2025)
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This study aims to examine the effectiveness of government subsidies and low-cost financing schemes in supporting equitable access to land registration in Indonesia. The approach used is a literature review, collecting and analysing various scientific sources, regulations, and reports related to land policy. The results of the study show that government subsidies, particularly through the Complete Systematic Land Registration (PTSL) programme, significantly reduce the cost of land registration, thereby increasing the number of certificates issued to low-income communities. On the other hand, low-cost financing schemes offer a flexible alternative by providing easy instalment payments and low interest rates, thereby reaching communities that have difficulty accessing direct subsidies. These two instruments complement each other in expanding access to land registration, but their successful implementation is highly dependent on transparency, bureaucratic management, public financial literacy, and adequate regulatory support. This study recommends that subsidy and low-cost financing policies be managed in an integrated manner to ensure fair, inclusive, and sustainable access to land ownership.
ANALYSIS OF FACTORS DETERMINING LAND REGISTRATION COSTS AND THEIR IMPACT ON AFFORDABILITY FOR LOW-INCOME COMMUNITIES Gunawan Widjaja
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 12 (2025): INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER)
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This study aims to analyse the factors that determine land registration costs and their impact on the affordability of registration services for low-income communities in Indonesia. The method used is a literature review, examining regulations, scientific studies, policy reports, and documentation related to land administration and registration costs. The results of the study show that land registration costs are influenced by national regulations, technical measurement costs, complex bureaucracy, and the existence of unofficial fees that increase the burden on the community. High costs and complicated procedures are major obstacles for low-income communities in obtaining land certificates, thereby negatively impacting their access to legal certainty, asset protection, and economic opportunities. This study recommends the need for simplified procedures, cost transparency, supervision of illegal levies, as well as subsidies and the use of digital technology to improve the affordability of land services for the poor.
HARMONISATION OF LAND ECONOMIC POLICY: GEOSPATIAL DATA INTEGRATION AND INTER-INSTITUTIONAL SYNCHRONISATION Yustinus Lambang Setyo Putro; Siti Nur Azizah; Gunawan Widjaja; Dyah Ersita Yustanti
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 12 (2025): INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER)
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Land management in Indonesia still faces various fundamental problems, such as overlapping data, inconsistencies between institutions, and weak legal certainty, which have an impact on economic growth. Harmonising land economic policies through the integration of geospatial data and synchronisation between institutions is a strategic solution to improve bureaucratic efficiency, administrative transparency, and investment attractiveness. This study uses a literature review method by examining regulations, scientific articles, and institutional reports that discuss the role of spatial data and institutions in land policy. The results of the study show that harmonisation will only be achieved if both aspects run simultaneously, supported by political commitment, the use of information technology, increased human resource capacity, and clear regulatory support. Thus, the integration of geospatial data and inter-agency synchronisation can be the main instruments in realising a national land system that is accountable, inclusive, and effective for sustainable economic development.
ANALYSIS OF LEGAL PROTECTION OF LAND OWNERSHIP RIGHTS IN OVERLAPPING CERTIFICATES DUE TO LAND MAFIA ACTIVITIES IN PAGEDANGAN SUBDISTRICT BASED ON STUDY OF DECISION NUMBER 471/Pid/2020/PT.DKI Gunawan Widjaja
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 12 (2025): INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER)
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This study discusses the analysis of legal protection of land ownership rights in the context of overlapping certificates caused by land mafia activities in Pagedangan Subdistrict, with a study of Decision Number 471/Pid/2020/PT.DKI. The phenomenon of overlapping certificates is a crucial problem that threatens legal certainty and justice for legitimate land owners, exacerbated by the practice of land mafia illegally manipulating the land administration system. Through qualitative juridical methods and analysis of court decisions, this study reveals how the implementation and effectiveness of legal protection still face significant challenges, including weak supervision and collusion among officials. In addition, this study highlights the role of land mafia in creating double certificates and the resulting social, economic, and legal impacts, as well as the legal implications of the decision as an effort to enforce criminal law. The results of this study provide strategic recommendations to strengthen the land administration system and law enforcement, as well as the need to empower the community so that land ownership rights are optimally protected.
RESOLUTION OF LAND DISPUTES IN URBAN AREAS THROUGH AN AGRARIAN LAW APPROACH AND THE IMPLEMENTATION OF AGRARIAN REFORM POLICIES Gunawan Widjaja
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 3 No. 1 (2025): INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER)
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This study aims to analyse the process and implementation of land dispute resolution in urban areas of Indonesia, with a focus on legal aspects and agrarian reform policies. The main issues raised include the high rate of land conflicts, the resolution process through litigation and non-litigation channels, and the administrative and social obstacles encountered in practice. This study uses a juridical-empirical approach with case study and literature review methods, as well as taking into account relevant laws and regulations. The results show that dispute resolution through mediation and conciliation at the land office is an effective solution, but still faces obstacles in terms of public understanding and limited administrative data. Comprehensive implementation of agrarian reform policies is believed to be capable of reducing land conflicts in urban areas if supported by inter-institutional synergy and community empowerment. This study concludes that the success of land dispute resolution depends not only on the accuracy of regulations, but also on social aspects, public education, and improving the quality of implementing officials.
LEGAL PROTECTION OF PATIENT RIGHTS AND LEGAL RESPONSIBILITIES OF MEDICAL PERSONNEL IN HEALTHCARE SERVICES IN INDONESIA Hotmaria Hertawaty Sijabat; Gunawan Widjaja
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 3 No. 1 (2025): INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER)
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This study discusses legal protection of patients' rights and the legal responsibilities of medical personnel in health services in Indonesia. Patients' rights as recipients of health services are fundamental rights that must be protected through various regulations such as Law No. 36 of 2009 concerning Health and Law No. 44 of 2009 concerning Hospitals, which guarantee the rights to information, privacy, and service safety. On the other hand, medical personnel have legal responsibilities that include criminal, civil, and administrative responsibilities to ensure safe, professional, and standard-compliant services. This study uses a literature review method with an analysis of relevant laws, legal literature, and court decisions. The results of the study show that although a legal framework is in place, there are still challenges in implementing patient rights protection and enforcing the legal responsibilities of medical personnel, particularly in relation to understanding rights and obligations, access to justice, and complaint mechanisms. Strengthening regulations, education, and mechanisms for supervision and dispute resolution are essential to improve the quality of equitable health services in Indonesia.
A CULTURALLY SENSITIVE APPROACH IN HEALTH LAW TO BUILD TRUST BETWEEN PATIENTS AND MEDICAL PERSONNEL AND IMPROVE THE QUALITY OF HOSPITAL SERVICES: A LITERATURE REVIEW Gunawan Widjaja
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 3 No. 1 (2025): INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER)
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This study discusses a culturally sensitive approach in the context of health law as an effort to build trust between patients and medical personnel and improve the quality of hospital services. A culturally sensitive approach in health law focuses on recognising, respecting, and protecting the cultural diversity of patients in the medical service process, which in turn strengthens therapeutic relationships and creates an inclusive and responsive service environment. A literature review method was used to analyse various studies and regulations relevant to the integration of cultural values in health law practice and its implications for patient trust and service quality. The results of the review show that the application of a culturally sensitive approach significantly increases patient trust through more effective communication, respect for cultural values, and reduced discrimination. The trust that is built has a positive impact on treatment compliance, patient satisfaction, and loyalty to the hospital. In addition, the quality of hospital services becomes more humane and in line with the cultural needs of patients, which contributes to the positive reputation of the institution and the sustainability of services. In conclusion, the integration of a culturally sensitive approach in health law is a key strategy in building a fair, inclusive, and high-quality healthcare system. This study highlights the importance of developing legal regulations and cultural competency training for medical personnel to address the needs and challenges of cultural diversity in modern healthcare. Practical implications are suggested for policymakers and hospitals to continue optimising the application of these principles in order to improve trust and service quality in a sustainable manner.
Co-Authors Aat Ruchiat Nugraha Abadi, Songga Aurora Abd. Basir Abdul Samad Arief Abdul Wahab Syakhrani Abdur Rahman Achmad Fazrin Adi Rumanto Waruwu Aditya Sanjaya Adrian Bima Putra Adrian Bima Putra Affandi Affandi Agus Supriyanto Agus Supriyanto Agustinus Nugroho Jati Aisyah, Shyavara Alam Anbari Anastasia Prestika Andina Rahmayani Andreani Dewanto Andreas Harry Andreas Harry Anggia Az Zahra Anindita Widyapradnya Annas Tasya N.A Annas Tasya N.A, Annisa Rachmawati, Dsk Putu Ayu L.A, Khaerunnisa Ade P., Muhammad Fachri, Pradita Ajeng S.A Annisa Purwo Hastuti Annisa Rachmawati Ari Rahmat Elsad Arif Rahman Baihaqi Arman Harahap Asep Saepullah Aslan Aslan Aslan Aslan Aswan Athalia Christine L Ayu Miya Maryani B.M.A.S. Anaconda Bangkara Basuki Rekso Wibowo Bintan R. Saragih Brian Matthew Budi Suranto Bangun Cecep Suhardiman Cecep Suhardiman Cecep Suhardiman Cesarianti, Fransiska Milenia Chairunnissa Chairunnissa Christiawan, Rio Christina Herawati G Damun, Damun Danang Rahmat Surono Daniel Hagana Bangun Dave Advitama Dave Advitama Delia Bazlina Deny Wicaksono, Deny Dhanudibroto, Handojo Dheas Syahreza Muslim Diana ., Diana Diana Laila Ramatillah Dimas Tripraditiya Dipo Pramudito Dipo Pramudito Dsk Putu Ayu L.A Dumilah Ayuningtyas Dyah Ersita Yustanti Dyah Ersita Yustanti Dyah Ersita Yustanti Dyah Ersita Yustanti Dyah Ersita Yustanti Ekasari, Silvia Ekha Sri Sugiarti Elisabeth Purnama Massang Enna Budiman Enna Budiman Ersita Yustanti, Dyah Fachrurazi Farika Nikmah Farrel Abiyu Ramadhana Fitra Sri Rahayu Grace Riana Gregorius Fabius Caesar Niki H. Deni Salahuddin Hadenan Towpek Hadenan Towpek Halim , Adriansyah Handojo Dhanudibroto Handojo Dhanudibroto Handojo Dhanudibroto Handojo Dhanudibroto Hansel Kalama Hardijan Rusli, Hardijan Harry, Andreas Hendra . Hendrawan Hendrawan Hendriarto, Prasetyono Heri Kustanto Hernita Hernita Hernita Hotma P. Sibuea Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Ita Nurcholifah Iyad Abdallah Al- Shreifeen Iyad Abdallah Al-Shreifeen Jahidin Kuswanto Januar Agung Saputera Jeisika Laurens Jessica Francis Gunawan Jestin Justian Juliana, Juliana Junior B. Gregorius Karunia Ilham Karim Kevin Neil McVey Khaerunnisa Ade P. Khairul Nizam bin Zainal Badri Khalimi Khalimi Khalimi Lalu Syaifudin Lidya Cristy S Lisno Setiawan Loso Judijanto M Reydhi Suwanda M Ruswan Talaohu M. Hafiz Aini M. Zahari Mahmudin, Tono Mailinda, Nur Martedjo, Wagiman Martin Maurer M.Marpaung Megasari Sijabat, Fittry Mellisa Efiyanti Mellisa Efiyanti Melyana Melyana Mervyn Mervyn Michael Alfonsus Michael Matthew Michelle Angelika S Mika Anabelle Miya Maryani, Ayu Moch. Isra Hajiri Mochammad Roufal Moh. Imam Ishomuddin Zuhri Mohammad Ahmad Bani Amer Monica Monica Mowafg Abrahem Masuwd Muhammad Anas Ma`arif Muhammad Fachri Muhammad Ikhwan Muhammad Ikhwan Muhammad Nagieb Muhammad Naufal Arifiyanto Muhammad Rayyan Firdaus Muthia Rachman Nadila Citra Aprilia Ni Nyoman Ari Triantari Nini Putri Wijaya, Nini Putri Nofianty Helyo Novan Dzaky Pangestu Novi Puji Lestari Novi Rizky Ramadhani Novi Rizky Ramadhani Nur Ulfa Maulida Nurwita, Nurwita Oggy Satya Tambunan Olivia Pauline Hartanti Poetranto, Soeryo Pradita Ajeng S.A Puguh Triwibowo Puji Hastuti Rafa Zahirah Husein Rahadian Bayu Anggoro Rahardja, Tony Rahmat Nasution Raissa Arlyn Manikam Rajes Khana Ramdan Yusuf Renaldi Immanuel Panggabean Renaldi Immanuel Panggabean Retnaningtyas Insyira Retnaningtyas Insyira, Anggia Az Zahra, Nadila Citra Aprilia, Chairunnissa, Muhammad Rayyan Firdaus, Novan Dzaky Pangestu Reza Sutrianingtyas Rahayu Rianti Nurul Oktavia Rif'ah Rif'ah Rifa’at Hanifa Muslimah Rifa’at Hanifa Muslimah Rio Christiawan Rio Johan Putra Ririn Nurhidayanti Rizka Anindya Manjayani Rizky Yosa Adhi Prabowo Robby Sulivan, Robby Robert Iskandar Rumanto Waruwu, Adi Salmon Sihite Salsa Rizkya Samsuto, Samsuto Sanchita Bhattacharya Santika Santika Sarah Ramadona Sardjana Orba Manullang Savira Lovianda Gunawan Sendi Sanjaya Sendi Sanjaya SH Septy Kusuma Septy Kusuma, Arif Rahman Baihaqi, M Ruswan Talaohu, Santika, Sarah Ramadona, Salsa Rizkya Shella Felicia Shohib MUSLIM Sihite, Salmon Silalahi, Yohanes B O Siti Hafifa Marlinda Putri Siti Nur Azizah Siti Nur Azizah Siti Rokayah Songga Aurora Abadi Songga Aurora Abadi Songga Aurora Abadi Sri Sugiarti, Ekha Sudrajat, Maman Sukh Pawen Jit Kaur Sunnah, Sunnah Syavitri Ramadhani Sylvana, Yana Tahir, Usman Tamrin Tamrin Tanti Herawati Taufik Rahman Taupik Alpiyandi Theresia Vena Tiwi Siftiyani Rosidah Tony Rahardja Towpek, Hadenan Usman Tahir Viony Kresna Sumantri Vivin Caronia Wagiman WAGIMAN Wagiman Wagiman . Wagiman Martedjo Wagiman Wagiman WAHYUDI Wibowo Laksono Widodo Wibowo, Basuki Rekso Widjaja, Liza Wijaya, Hanna Wirawan, Vani Yana Sylvana Yohanes Firmansyah Yuli Supriani Yuri Anggi Yustinus Lambang Setyo Putro Yustinus Rurie Wirawan Yusuf, Ramdan Zainal Arifin