Article Per Year (5 Year)
p-Index From 2021 - 2026
1.503
P-Index
This Author published in this journals
All Journal DE JURE Jurnal Cakrawala Hukum Jurnal Dimensi Jurnal Cahaya Keadilan Journal of Science and Education (JSE) PETITA SCIENTIA JOURNAL : Jurnal Ilmiah Mahasiswa
Rizki Tri Anugrah Bhakti
Fakultas Hukum Universitas Brawijaya
Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics

Published : 13 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 13 Documents
Search

 1   2 
KLAUSULA EKSONERASI DALAM PERJANJIAN KREDIT PERBANKAN DI INDONESIA: KEBEBASAN BERKONTRAK vs IMPERATIF PERLINDUNGAN KONSUMEN Sartika, Evi Febri; Bhakti, Rizki Tri Anugrah; Maileni, Dwi Afni; Fernando, Rico; Novianti, Tri; Yulisa, Putri Dwi; Kelvin, Edwar; Heryanto, Medi; Anwar, Fachrul; Pramesti, Adelia Widya
JURNAL DIMENSI Vol 14, No 3 (2025): JURNAL DIMENSI (NOVEMBER 2025)
Publisher : Universitas Riau Kepulauan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33373/dms.v14i3.8690

Abstract

Kajian ini menganalisis secara yuridis-normatif klausula eksonerasi dalam perjanjian kredit baku perbankan di Indonesia. Klausula ini menciptakan ketidakseimbangan posisi tawar dan cenderung lebih meningkatkan posisi bank dalam suatu perjanjian. Kajian ini menelaah benturan antara asas kebebasan berkontrak dalam Kitab Undang-Undang Hukum Perdata (KUHPerdata) dengan mandat perlindungan konsumen dalam Undang-Undang No. 8 Tahun 1999 (UUPK) dan Peraturan Otoritas Jasa Keuangan (POJK) No. 22 Tahun 2023. Dengan metode yuridis normatif, penelitian ini menggunakan pendekatan perundang-undangan dan analisis kasus terhadap yurisprudensi. Hasil analisis menunjukkan bahwa meskipun kerangka hukum sektoral (lex specialis) secara tegas melarang klausula eksonerasi dan menyatakannya batal demi hukum (void ab initio), praktik di lapangan masih terus berlangsung. Implementasi hukum (law in action) terhambat oleh inkonsistensi putusan pengadilan, yang terbelah antara pendekatan formalistik yang menguatkan kontrak dan pendekatan progresif yang berpihak pada konsumen. Disimpulkan bahwa persoalan utama terletak pada kesenjangan antara hukum dalam teks dan penegakannya. Rekomendasi difokuskan pada penguatan pengawasan OJK, penyeragaman pandangan hakim melalui Surat Edaran Mahkamah Agung (SEMA), dan peningkatan kepatuhan industri untuk menjembatani kesenjangan tersebut demi perlindungan konsumen yang efektif.
Investigating the Correlation Between Formal Tax Law Violations and the Manifestation of Tax Crimes in Batam, Indonesia F Fetri; Bhakti, Rizki Tri Anugrah; Maileni, Dwi Afni
Journal of Science and Education (JSE) Vol. 6 No. 2 (2026): Journal of Science and Education (JSE)
Publisher : CV. Media Digital Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58905/jse.v6i2.768

Abstract

This study examines how formal (administrative) tax non-compliance may, under specific legal and procedural conditions, escalate into tax crimes in Indonesia, using Batam as a case study. Batam is a free trade zone with intensive cross-border transactions and stringent VAT documentation requirements, making it a relevant setting for observing the administrative–criminal boundary in enforcement practice. Employing normative legal research, we analyze statutes and implementing regulations (including KUP provisions on Articles 38, 39, and 39A), OECD guidance as a comparative analytical lens and selected Indonesian court decisions (2020–2025) to map escalation thresholds and taxpayer safeguards consistent with the ultimum remedium principle. The findings suggest that formal violations, such as late or non-filing, deficient bookkeeping, and documentary irregularities, primarily serve as compliance-risk signals and should typically receive administrative attention. Criminal exposure becomes plausible only when these violations are accompanied by qualifying elements such as intent (dolus), patterned repetition, falsification/forgery, and demonstrable fiscal consequences supported by preliminary evidence procedures. Overly expansive criminalization may undermine legal certainty, taxpayer trust, and investor confidence. We recommend standardizing escalation indicators, strengthening the consistency of preliminary evidence assessment, and enhancing taxpayer legal literacy and administrative rectification pathways to ensure a fair and measurable boundary between administrative sanctions and criminal prosecution.
Consumer Protection in Electronic Transactions: Normative Gaps and Legislative Reform in Indonesian Digital Commerce Law Amirullah; Bhakti, Rizki Tri Anugrah; Maileni, Dwi Afni; Riyanto, Agus
Jurnal Cakrawala Hukum Vol. 16 No. 2 (2025): August 2025 (on progress)
Publisher : Faculty of Law, University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/idjch.v16i2.15646

Abstract

donesia's digital economy has expanded at a pace that fundamentally outstrips the adaptive capacity of its consumer protection legal framework. This study examines the normative adequacy of Indonesia's legislative architecture governing consumer protection in electronic transactions, with particular attention to the structural gaps produced by the interaction of Law Number 8 of 1999 concerning Consumer Protection (UUPK), Law Number 11 of 2008 concerning Electronic Information and Transactions (UU ITE) as amended by Law Number 1 of 2024, Government Regulation Number 80 of 2019 concerning Trade through Electronic Systems, and the newly enacted Law Number 27 of 2022 concerning Personal Data Protection (UU PDP). Employing a normative juridical method with statutory, conceptual, and comparative approaches, this study identifies three critical normative gaps: the definitional inadequacy of pelaku usaha under the UUPK, which fails to encompass digital marketplace platform operators; the absence of pre-contractual transparency obligations governing algorithmic standard form contracts; and the structural incompatibility of existing dispute resolution mechanisms with the tripartite architecture of digital marketplace commerce. Comparative analysis of the European Union's Digital Services Act and China's E-Commerce Law of 2018 furnishes doctrinal reference points for reform. This study concludes that effective consumer protection in Indonesian digital transactions requires targeted amendments to the UUPK, structural integration of UU PDP into the consumer protection framework, and the establishment of a dedicated Online Dispute Resolution mechanism accessible to consumers without legal representation.
Co-Authors Agus Riyanto Amirullah Anggrayni, Liza Anwar, Fachrul Deni, Lindu Dwi Afni Maileni, Dwi Afni ER, Marselinah F Fetri Fernando, Rico Hartawan, Ilham Eka Heryanto, Medi Hutasoit, Ispandir Indra Sakti Kelvin, Edwar Kelvin, Edward Mochammad Bakri, Mochammad Pramesti, Adelia Widya Pristika Handayani Putra, Rian Rusmana Sartika, Evi Febri Sianipar, Ronia sinaga, Maruntung Siti Hamidah Tri Novianti, Tri Yulisa, Putri Dwi