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Zainal Arifin Hoesein
Fakultas Hukum Universitas Muhammadiyah Jakarta
Religion Aerospace Engineering Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Public Health Social Sciences Other

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Journal : Vyavahara Duta

 1 
PINJAMAN ONLINE DAN KEKERASAN PENAGIHAN URGENSI REFORMASI HUKUM DALAM PERSPEKTIF HAK ASASI MANUSIA yuliana kemalasari, ni putu; Hoesein, Zainal Arifin
VYAVAHARA DUTA Vol 20 No 2 (2025): Vyavahara Duta
Publisher : Jurusan Hukum Fakultas Dharma Duta Universitas Hindu Negeri I Gusti Bagus Sugriwa Denpasar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25078/vyavaharaduta.v20i2.5205

Abstract

Online Loans (Pinjol) are one form of financial technology development that was born to provide easy access to financing for the community. However, behind that, the growth of Pinjol is not accompanied by the growth of an adequate legal system. So that it has an impact on practices that lead to violations of the law such as violence, intimidation and even have an impact on human rights violations. This study was conducted to examine the urgency of legal reform regarding collection regulations on online loans that have an impact on human rights violations. This study uses a normative legal research method with a legislative approach. Based on the results of the study, it was concluded that the current regulations relating to collection in online loans, namely PJKO No. 10 / PJOK.05 / 2022 concerning Information Technology-Based Joint Funding Services, have not been fully able to provide legal protection for consumers from acts of violence in terms of collection, especially in terms of sanctions and law enforcement. Therefore, legal reform is needed based on the principles of justice, proportionality, and respect for human rights. The reform must include the establishment of more specific legal instruments, strengthening supervisory institutions, and providing harmonization between legal instruments and human rights.  
Co-Authors Abdul Kadir Adillah Yuswanti Agus Dastam Ahmad Redi, Ahmad Andin Wisnu Sudibyo Anugrah Pratama Apri Aji Setyawan Arif, Firman Arifudin Arifudin Aryanti, Meryy Bratajaya, Maria Magdalena Astrina Dedy Cahyadi, Dedy Desman, Yose Dicki Agri Kurniawan Donny Widianto EDI SARWONO Effendi, Lutfi Endro Satoto Erikha, Annisa Ferianasari, Ineke Winda Fonda, Hanif Hamdi, Muhammad Arief Hanafi, Aziz Imam Hardinata N, Anggiat Ris Hasmida Hutagalung, Tiur Herni zubir Iwansyah, Iwansyah Karyono Karyono Marnija, Marnija Marquez, Neilpon Yulinar Meida Rachmawati Meidiawaty, Fusia Muhammad Halim, Muhammad Mustopa Mustopa Nasution, Izhar Zahri Noval, Cepi Noviantini, Rika Nur Setiawan, Dwi Opsunggu, Eben Patar Pambudi, Pambudi Paputungan, Merdiansa Petra Rebecca Pariela, Eunike Praja, Nucky Indra Prasetyo, Rahmad Purwanti, Nina Putri, Marcika Rizky Hidayah Rafi Akbar Wirawansyah rahardja, satria dwie Relita Fitri, Selvi Ridwan Anthony Taufan Ridwan Syaidi Riyandra, Reza Rochmadi Rochmadi Rohmad Adi Yulianto Safriansyah Yanwar Rosyadi Sagalane, Andra Bani Saputra, Firman Sari, Amalia Sebastian, Rommy Setyawati, Niken Budi Siagian, Royan Sihotang, Muhenri Slamet Riyanto Sumartono Sumartono Susi Dian Rahayu Syahputra, M. Arif Wahyu Widodo Wibisono, Sonny Wicaksono, Anggi Wiweka Wiweka Yuliana Kemalasari, Ni Putu Yuwono, M. Sunandar Zakky, Moh Zulkarnain, Hadi