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Consumer Rights in the Fintech Lending Era Amid Legal Challenges of a Borderless World Oktaviana Ayu Sekar A; Prastyanti, Rina Arum
International Journal of Law and Society Vol. 2 No. 3 (2025): International Journal of Law and Society
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijls.v2i3.577

Abstract

The rapid expansion of fintech lending services, particularly cross-border peer-to-peer (P2P) lending, has created significant legal challenges concerning consumer protection. This study examines whether existing legal frameworks adequately safeguard consumer rights within the borderless digital lending environment. Utilizing a normative-juridical method combined with a comparative approach, the research analyzes Indonesia’s regulatory structure alongside selected international frameworks. The findings reveal substantial gaps in consumer protection, exacerbated by the proliferation of illegal online lending platforms, regulatory fragmentation across jurisdictions, and the misuse of personal data. National regulations often prove insufficient to address complex cross-border legal issues. This study underscores the urgency of global regulatory harmonization, enhanced national oversight mechanisms, and improved digital literacy among consumers. It concludes with recommendations for regulatory reform, the establishment of international supervisory cooperation, and the strengthening of institutional roles, particularly by financial and communication authorities, to ensure robust consumer protection in the evolving fintech lending ecosystem.
International Law Enforcement Against Transnational Narcotics Smuggling In Indonesian Sea Lanes Nashira Ryan, Az Zahra; Prastyanti, Rina Arum
International Journal of Social Research Vol. 2 No. 6 (2024): Insight : International Journal of Social Research
Publisher : Worldwide Research Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/insight.v2i6.42

Abstract

Indonesia, as the world’s largest archipelagic country, occupies a strategic position in the Asia-Pacific region, which makes its sea lanes vulnerable to transnational narcotics smuggling. Narcotics trafficking through Indonesian waters not only disrupts national security but also has far-reaching consequences for international security, global politics, and human rights. Despite existing international legal frameworks such as the 1982 United Nations Convention on the Law of the Sea (UNCLOS) and the 1961 Single Convention on Narcotic Drugs, Indonesia faces significant enforcement challenges. These include vast maritime borders, limited resources for surveillance, and the involvement of sophisticated international criminal syndicates. This research aims to analyze international law enforcement efforts in combating narcotics smuggling in Indonesian sea lanes, focusing on both legal frameworks and the practical challenges faced in enforcement. The study uses a normative legal research method, examining secondary data from legal documents, books, and journals. The results indicate that while international cooperation frameworks have been established, the effectiveness of narcotics law enforcement remains hindered by logistical and technological gaps. The study concludes that improving international collaboration, enhancing surveillance technology, and strengthening community-based preventive measures are essential for combating narcotics trafficking in Indonesian waters effectively.
Juridical Analysis of the Determination of Child Custody in Dual Citizenship Divorce Cases: A Case Study of Supreme Court Decision No. 2021 K/Pdt/2020 Putri, Gusni Cahaya; Prastyanti, Rina Arum
Formosa Journal of Multidisciplinary Research Vol. 3 No. 11 (2024): November 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjmr.v3i11.12078

Abstract

The determination of child custody in divorce cases involving dual citizens is a complex issue that requires special attention to Indonesian legal jurisdiction. This study analyzes how Indonesian legal jurisdiction is applied in determining child custody in divorce cases involving couples of different nationalities, based on the Marriage Law No. 1 of 1974 and related international regulations. The case study of the Supreme Court Decision No. 2021 K/Pdt/2020 was also studied to understand the factors considered in decisions related to child custody. The main factors that the Supreme Court considers include the psychological and emotional well-being of the child, the financial ability of the parents, the relationship between the child and the parents, as well as the residence and nationality of the child. The results of the study show that custody decisions are always aimed at the best interests of the child, taking into account relevant national and international legal aspects.
Juridical Analysis of Supreme Court Decision No. 321 K/Pdt/2017: Implications of Name Borrowing Agreement for Land Ownership by Foreigners Prayoga, Evandito Raihan; Prastyanti, Rina Arum
Formosa Journal of Multidisciplinary Research Vol. 3 No. 11 (2024): November 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjmr.v3i11.12079

Abstract

This research examines Supreme Court Decision No. 321 K/Pdt/2017 which deals with name borrowing agreements for land ownership by foreigners in Indonesia. In the context of increasing foreign investment, the practice of name borrowing is often a solution for foreigners to circumvent the prohibition on land ownership, but it also poses various legal challenges. Through a normative analytical descriptive juridical approach, this study analyzes the substance of the decision, the legal risks for the parties involved, and the social and economic implications of this practice. The results of the analysis show that name loan agreements are not legally recognized and are potentially null and void, resulting in legal uncertainty and conflicts that harm both foreigners and Indonesian citizens. The research also highlights that the absence of legal protection for the parties can result in financial and reputational losses. Overall, the findings indicate the need for policy reformulation and stricter regulations to govern land ownership by foreigners in Indonesia, in order to maintain social and economic balance and encourage sustainable investment development.
URGENSI PENGATURAN ARTIFISIAL INTELLIGENCE UNTUK MENDUKUNG BISNIS UMKM Prastyanti, Rina Arum; -, ARYONO -
RIO LAW JURNAL Vol 5, No 1 (2024): Februari-Juli 2024
Publisher : Universitas Muara Bungo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36355/rlj.v5i1.1285

Abstract

Bagi UMKM, penggunaan AI di sektor bisnis online berpotensi mengganggu masyarakat jika tidak ada regulasi lebih lanjut. Hal ini mencakup beberapa kasus pembobolan data pengguna dan kebocoran data di kalangan pengguna Marketplace yang terjadi beberapa kali dalam beberapa waktu terakhir. Selain itu, permasalahan juga dapat terjadi di dalam sistem, misalnya informasi atau instruksi dari AI yang tidak akurat sehingga dapat mengakibatkan kerugian bagi konsumen. Penelitian ini menggunakan metode penelitian hukum normatif kualitatif, deskriptif. Problematika  yang dihadapi adalah Tindakan AI yang menimbulkan kerugian seperti kebocoran data atau tindakan menyimpang lainnya dapat disebabkan oleh ketidaksesuaian dalam pemrosesan perintah pada mesin. Setidaknya ada dua pilihan. Pertama, perintah yang diberikan tidak sesuai dengan data masukan pada mesin atau tidak lengkap sehingga mesin inferensi tidak dapat memprosesnya dengan baik. Kedua, kesalahan manusia awal dalam entri data, yaitu kesalahan dalam pelatihan mesin atau pemrograman yang tidak tepat, juga dapat menjadi penyebabnya. Persoalan lainnya adalah tanggung jawab hukum, yang didefinisikan sebagai tanggung jawab hukum seseorang atau suatu badan atas tindakan yang merugikan. Kurangnya pengakuan AI sebagai badan hukum berdasarkan hukum positif Indonesia menimbulkan tantangan baru. Dasar tanggung jawab AI adalah prinsip vicarious liabilitas, yang mengatur tanggung jawab pihak lain yang tidak melakukan kesalahan. Artinya tanggung jawab perbuatan hukum AI ada pada penyelenggara atau wakil AI.
Legal Protection of Business Actors from Payment Cancellation by E-Commerce Consumers Using a Cash-On-Delivery System Prastyanti, Rina Arum; Rusdiana, Erma
West Science Law and Human Rights Vol. 1 No. 04 (2023): West Science Law and Human Rights
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wslhr.v1i04.315

Abstract

The purpose of this research is to describe the factors that cause business actors to be disadvantaged due to the COD system and protection for business actors against unilateral cancellation in the COD payment system. This research is a type of normative legal research that is descriptive in nature with a qualitative approach. The type of data used is secondary data. Secondary data is obtained from library materials that are relevant to the problems studied.  The data sources used are secondary data sources obtained from primary, secondary and tertiary legal materials. The data collection technique used is the study of documents or library materials.
Commercial Exploitation of Children in Belgium in International Law Agista, Yessa Ayu; Prastyanti, Rina Arum
West Science Law and Human Rights Vol. 2 No. 02 (2024): West Science Law and Human Rights
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wslhr.v2i02.781

Abstract

Child exploitation is an act of using children for the benefit of others, satisfaction or profit which often results in unfair, cruel and harmful treatment of children. Child protection is non-discrimination, non-exploitation and non-abandonment; it is a form of child rights that must be fulfilled, respected and protected by the family, community, government and state. Child exploitation is one of the most severe forms of violence against children, and it will adversely affect children themselves, both physically and mentally. This exploitation is like forcing them to work, this is very unacceptable because it will hamper their development, Children should have freedom, enjoy the world, and have their rights protected. The occurrence of child exploitation is also influenced by various social factors such as poverty and economics. The protection of child labor has been regulated in the formulation of laws with International Conventions ratified by various countries (Nieuwenhuys, O. (2000).
Law Enforcement Against Mass Shootings in United States Zulaeka, Cindy Atika; Prastyanti, Rina Arum
International Journal of Law Analytics Vol. 2 No. 2 (2024): May 2024
Publisher : MultiTech Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59890/ijla.v2i2.1639

Abstract

The occurrence of mass shootings in the United States is a major issue due to its complexity and controversy, representing a serious problem or incident. In this study, we investigate the challenges faced by law enforcement in handling mass shootings, including interagency coordination and risk management for societal security. We analyze various policy approaches taken to enhance law enforcement effectiveness in preventing and reform efforts needed to prevent similar incidents in the future, addressing gun laws and solutions to response to mass shootings. A review of literature methods and case studies that will present a research approach using wrriten sources such as journals, books, articles, and other documents as a basis for compiling, analyzing, synthesizing knowledge and data on identifying cases of mass shootings in the United States or a specific case.
Perlindungan Hak Cipta Bagi Konten Kreator Rini, Fitri Setyo; Prastyanti, Rina Arum
Innovative: Journal Of Social Science Research Vol. 5 No. 3 (2025): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v5i3.19036

Abstract

Perkembangan teknologi digital yang semakin pesat telah membawa dampak signifikan terhadap berbagai aspek kehidupan, termasuk dalam ranah hak cipta. Konten kreator memainkan peran penting dalam menghasilkan karya-karya digital seperti video, gambar, tulisan, musik, dan desain grafis yang dapat diakses oleh masyarakat luas. Namun, kemudahan distribusi melalui internet dan media sosial juga meningkatkan risiko pelanggaran hak cipta, seperti plagiarisme dan penggunaan tanpa izin. Penelitian ini menggunakan pendekatan yuridis normatif dengan menganalisis peraturan perundang-undangan, khususnya Undang-Undang Republik Indonesia Nomor 28 Tahun 2014 tentang Hak Cipta, untuk memahami perlindungan hukum bagi konten kreator. Hasil penelitian menunjukkan bahwa meskipun undang-undang telah memberikan perlindungan melalui hak moral dan hak ekonomi, masih banyak konten kreator yang belum memahami atau memanfaatkan perlindungan hukum ini secara optimal. Oleh karena itu, diperlukan upaya edukasi, penegakan hukum yang tegas, dan penerapan mekanisme perlindungan seperti pendaftaran karya di Direktorat Jenderal Kekayaan Intelektual (DJKI), penggunaan watermark, serta pemberian atribusi yang tepat untuk menjaga integritas dan nilai ekonomi dari karya kreatif di era digital.
Kajian Hukum Terhadap Peraturan Desa Kradenan Kecamatan Kaliwungu Kabupaten Semarang No. 11 Tahun 2022 Tentang Pungutan Pasar Desa Warsito, Warsito; Destyarini, Normalita; Prastyanti, Rina Arum; Elisanti, Evi
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol. 5 No. 2 (2023)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v5i2.3088

Abstract

The purpose of this research is to determine the process of formation and legal consequences of Kradenan Village Regulations, Kaliwungu District, Semarang Regency No. 11 of 2022 concerning Village Market Levies. The research subjects were traders at Kradenan Village's Firm Market. The research method used is an empirical juridical approach. Data collection techniques are literature study, interviews, observation and documentation. The qualitative descriptive data analysis technique is in the form of an interactive analysis model. The results of the research show that the process of forming village regulations regarding village market levies is 1) village regulations are determined by the village head with the BPD, 2) hamlet deliberation 3) village deliberation, 4) village head conveys village regulations to the regent or mayor through the subdistrict head as a supervisory control or coaching, 5) Village government and BPD disseminate information regarding Kradenan Village regulations, Kaliwungu District, Semarang Regency No. 11 of 2022 concerning village market levies on the community and stakeholders. The legal consequences of village regulations regarding village market levies are warning sanctions and administrative sanctions for violations and non-compliance with these regulations. The conclusion of the research is that the impact of village regulations regarding village market levies is very significant in increasing PAD, empowering village-owned assets, prospering and improving the economy of village communities. To optimize PAD, it needs to be determined and regulated in village market levies