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All Journal FIAT JUSTISIA: Jurnal Ilmu Hukum Jurnal Dinamika Hukum Jurnal IUS (Kajian Hukum dan Keadilan) Syntax Literate: Jurnal Ilmiah Indonesia DE'RECHTSSTAAT Kosmik Hukum JE (Journal of Empowerment) Al-Mubin: Islamic Scientific Journal Jurnal Bina Pengabdian Kepada Masyarakat Jurnal Hukum Kesehatan Indonesia Jurnal Hukum dan Peradilan AHKAM : Jurnal Hukum Islam dan Humaniora Lex Publica Cerdika: Jurnal Ilmiah Indonesia International Journal of Integrative Sciences Karimah Tauhid Indonesian Journal of Law Research Causa: Jurnal Hukum dan Kewarganegaraan Journal Of Law Sciences (Legisci) Jurnal Hukum Mimbar Justitia Jurnal Pengabdian Nusantara
Henny Nuraeny
Universitas Djuanda
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Neuroscience Nursing Public Health Social Sciences Transportation Veterinary Other

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The Influence of Financial Technology on the Reformulation of Bank Customer Protection Regulations. Andri Brawijaya; Henny Nuraeny; Nova Monaya
Jurnal Legisci Vol 3 No 3 (2025): Vol 3 No 3 December 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v3i3.974

Abstract

Background. The rapid evolution of financial technology has shifted banking activities toward fully digital environments, creating new opportunities for efficiency while simultaneously exposing customers to broader and more complex risks. Traditional regulatory frameworks, originally designed for conventional banking, often struggle to address issues arising from digital transactions, data processing, and emerging online service models. This situation has prompted regulators and financial institutions to reconsider existing norms to ensure stronger and more adaptive customer protection. Aim. This study aims to examine how technological developments influence regulatory reform in order to strengthen the protection of bank customers. Methods. A qualitative approach is applied through systematic analysis of regulatory developments, institutional policies, and emerging patterns of consumer risk in digital banking. Results. The study finds that technological growth drives regulators to refine customer protection rules, especially in areas related to customer rights, digital accountability, and data security. Banks also adopt updated internal policies to meet evolving regulatory expectations. Conclusions. Financial technology plays a significant role in encouraging regulatory reform, pushing authorities toward more adaptive and forward-looking frameworks. Implication. Continuous regulatory development is essential to ensure that customer protection remains effective as digital financial services continue to advance. Keywords: Financial technology; customer protection; banking regulation; digital banking; regulatory reform.
Legal Protection for Property Buyers in Pre-Project Selling Schemes in Indonesia: An Analysis of Compliance with the Consumer Protection Act Abraham Yazdi Martin; Henny Nuraeny; Andri Brawijaya
Jurnal Legisci Vol 3 No 1 (2025): Vol 3 No 1 August 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v3i1.976

Abstract

Background. Pre-project selling has become a dominant marketing strategy in Indonesia’s property sector, yet it often exposes buyers to legal uncertainties, particularly regarding delayed construction and unmet contractual promises. Aim. This study examines the extent to which pre-project selling practices comply with Indonesia’s Consumer Protection Act and evaluates the adequacy of current legal safeguards for property buyers. Methods. Using a normative legal approach, the study analyzes statutory provisions, developer–consumer contracts, and relevant court decisions to identify compliance gaps and recurring legal issues. Results. The findings indicate that although the Act provides fundamental consumer rights, weak enforcement mechanisms, asymmetric information, and inadequate oversight allow developers to circumvent their obligations. Many contractual clauses tend to disadvantage buyers, and dispute resolution often results in limited remedies. Conclusions. Existing regulations do not sufficiently protect consumers in pre-project selling transactions, leaving buyers vulnerable to financial and legal risks. Strengthening regulatory oversight, standardizing contract terms, and enhancing sanctions for non-compliance are crucial to improving consumer protection. Implication. The study contributes to academic discourse on consumer law, provides policy insights for regulators, supports better awareness for society and property buyers, and offers a reference for international scholars examining consumer protection in emerging markets.
Public Policy As An Effort To Prevent Early Marriage Through Parental Participation Saddam Husein; Henny Nuraeny; Nova Monaya; Ani Yumarni; Hidayat Rumatiga
Jurnal Legisci Vol 3 No 2 (2025): Vol 3 No 2 October 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v3i2.983

Abstract

Background.The high rate of early marriage in Indonesia is influenced by factors such as tradition, social norms, economy, and low parental education levels. Parents often serve as the final decision-makers in child marriages, making their participation crucial in prevention efforts. Aims. This study aims to analyze the effectiveness of public policies in preventing early marriage through approaches that involve active parental participation. Methods. The method used is sociological juridical with a qualitative approach, conducted through discussion forums, coaching, and legal and health education for parents. Conclusion. The results show that the government has issued various policies, such as Law Number 16 of 2019, as well as programs such as BIMWIN, BRUS, marriage clinics, and women’s and children’s empowerment. However, these efforts are not yet optimal without improving parental capacity and awareness. The novelty of this research lies in its emphasis on legal and health education for parents as a strategic step in preventing early marriage. The implication is the need for integrative policy synergy between the government, society, and families
The The Impact Of Business Crimes Due To Abandoned Land Under The Right To Cultivate (HGU) In Indonesia: An Economic Analysis Of Law Approach Rizal Syamsul Maarif; Henny Nuraeny; Abraham Yazdi Martin; Muhammad Aminulloh; Efridani Lubis
Jurnal Legisci Vol 3 No 1 (2025): Vol 3 No 1 August 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v3i1.984

Abstract

Background. Richard Posner, in his Economic Analysis of Law, argues that business crimes involving the abandonment of concession lands (Hak Guna Usaha/HGU) reflect the existence of externalities and market failures, where corporate concession holders who neglect their lands cause substantial losses to both the State and society. Aims. This study aims to evaluate the economic and legal impacts of business crimes arising from the abandonment of plantation concession lands (HGU) in Indonesia and to provide alternative policy solutions for resolving this issue. Methods. The research employs a normative legal method with an evaluative approach, examining the phenomenon of abandoned plantation HGU lands from both regulatory and economic perspectives. The analysis seeks to produce concrete recommendations for optimizing the management of abandoned plantation lands through an integration of legal and economic principles. Result. The findings reveal that, as of 2024, the Ministry of Agrarian Affairs and Spatial Planning (ATR/BPN) recorded approximately 1,347,099 hectares of abandoned HGU lands across Indonesia, accumulated between 2020 and 2024. Under existing fiscal regulations, HGU concession holders are required to pay Non-Tax State Revenue (PNBP) of IDR 26,500 per 100 hectares annually. Based on this rate, the total potential State revenue loss due to abandoned HGU lands is estimated at IDR 356,981,235 (three hundred fifty-six million nine hundred eighty-one thousand two hundred thirty-five rupiahs). Conclusion. The study concludes that the widespread abandonment of HGU lands represents a significant economic loss and legal inefficiency. Lands that should generate income for the State instead become sources of conflict, inefficiency, and administrative burden, illustrating the failure of both corporate governance and legal enforcement mechanisms. Implication. The implications of this research emphasize the necessity of developing criminal, civil, and administrative law instruments to prevent and sanction corporate violations that cause State losses. The study proposes the formulation of a criminal law–based regulatory framework as a deterrent mechanism to ensure corporate accountability in land management and to restore the economic and social function of land in accordance with Indonesia’s constitutional mandate
Co-Authors Abraham Yazdi Martin Abshor, Muhammad Wildan Li Ahmad, Asmida Andhika Zulfie, Darryl Andri Brawijaya Ani Yumarni Asmak UI Hosnah Asmak Ul Hosnah Asmida Ahmad Azhari, Marisa Bekti, Rossa Purbo Bhanus Prakash Nunna Burhanudin Burhanudin Cecep Fajar Cucu Solihah Dadang Suprijatna Darmika, Ika DIAN WULANDARI Edi Rohaedi Efridani Lubis Fajar, Cecep Faturachman, Fauzan Azima Guntarto Widodo Haikal Elvina, Muhamad Hananto, Dwi Herli Antoni Hidayat Rumatiga Hosna, Asmakul Jevis, Weldy Jopie Gilalo, Jacobus Kesuma, Moch Wisnu Pujaka Kirana Utami, Tanti Kuswandi Kuswandi M. Rendi Aridhayandi Ma'arif, Rizal Syamsul Muhamad Aminulloh Muhammad Aminulloh Mulyadi Mulyadi Nani Widya Sari Nasution, Dedi Wahyudi Negara, Raharja Nova Monaya Novitasari, Fitri Nurwati Oksidelfa Yanto Prabowo, Rizki Budi Praramadhan, Rifaldy Hikmat Rafli, Fajar Rijal, Ahsanur Rizal Syamsul Maarif Saddam Husein Sahdewa, M Farhas Samuel Soewita Setiawan, Miyoko Suharno, Muhammad Rizky Suhendar Suptijatna, Dadang Sutanto Sutanto Syamsul Ma’arif, Rizal Trini Handayani Wahyuningsih, Anna Kristiana Weldy Jevis Yusuf, Muhammad Arsjad