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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.
Perlindungan Konsumen Obat Tradisional yang Mengandung Bahan Kimia Obat di Kota Surakarta Diniar Hapsari; Aris Prio Agus Santoso; Rina Arum Prastyanti
Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi Vol. 1 No. 4 (2024): Agustus : KONSENSUS : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi
Publisher : Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/konsensus.v1i4.263

Abstract

Article 37 Minister of Health Regulation No. 06 of 2012 regulates the prohibition of the use of medicinal chemicals in traditional medicine, however in the field traditional medicines are still found that contain medicinal chemicals. In the 2022-2023 period in Surakarta, 571 items of traditional medicine were found containing medicinal chemicals. The problem that will be discussed in this research is how to regulate the circulation of traditional medicines containing medicinal chemicals and forms of consumer protection for traditional medicines containing medicinal chemicals in Surakarta. This research is empirical research using a sociological and legislative approach. This research is qualitative in nature where data is collected through interviews which are then analyzed descriptively. From the research results, it was concluded that there are regulations regarding the distribution of traditional medicines, but these regulations have not been effectively implemented in the community. Apart from that, it is known that the POM Center in Surakarta has provided legal protection for consumers of traditional medicines containing medicinal chemicals. The form of protection provided is in the form of pre-market and post market regarding the distribution of traditional medicines, apart from that it also provides sanctions to producers who violate the provisions.
Legal Protection Against Re-Uploading Videos Without Permission According to Law No.28 Of 2014: Perspective Of Content Creators' Copyright Az Zahra Nashira Ryan; Rina Arum Prastyanti
Fox Justi : Jurnal Ilmu Hukum Vol. 15 No. 02 (2025): Fox justi : Jurnal Ilmu Hukum, Edition 2025
Publisher : SEAN Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of digital technology has created a new ecosystem for content creators, especially on platforms such as YouTube, Tiktok, Instagram, Tweeter, which allows them to spread their work while earning income. This phenomenon gave rise to a trend of content commercialization known as Creatornomics, where creators not only play the role of producers of creative works, but also as actors of the digital economy(Juriadi et al., 2021). Law Number 28 of 2014 concerning Copyright provides clear legal protection for creators, including moral rights and economic rights that arise automatically after the work is realized in real form. However, behind these economic opportunities arise serious challenges in the form of rampant copyright infringement, especially the re-uploading of content by other parties without permission for commercial gain which can be subject to criminal witnesses up to 7 years in prison or fines of up to Rp.5 billion according to applicable regulations(Rinka & Irianto, 2024). The analysis of the study states that even though legal protection has been comprehensively regulated, violations still often occur due to low legal awareness in the community and the lack of optimal law enforcement on digital platforms, so efforts to improve legal education for creators, the implementation of automatic detection systems such as Content ID, and the strengthening of regulations by the government and digital platforms so that copyright protection can run optimally. Thus Creatornomics opens up new economic opportunities for content creators, but also demands increased legal literacy, supervision, and collaboration between governments, digital platforms, and society to realize a fair and sustainable creative ecosystem.
Jurisprudence Analysis Of Ma Verdict No 557/Pdt/2016/Pt.Dki On The Malaysian Ambassador's Land Title Dispute Puspitasari Wardoyo, Nanda; Arum Prastyanti, Rina
Mutiara: Multidiciplinary Scientifict Journal Vol. 2 No. 11 (2024): Mutiara: Multidiciplinary Scientifict Journal
Publisher : Al Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/mutiara.v2i11.266

Abstract

This research analyzes Supreme Court Decision No. 557/PDT/2016/PT.DKI regarding a land title dispute involving the Government of Malaysia and a number of parties in Indonesia. The dispute stems from a claim over land used as the official residence of the Malaysian Ambassador, which had previously been purchased under a notarial deed in 1971. This study aims to understand the application of law in dispute resolution, as well as the legal implications of this decision for the development of jurisprudence and land law practice in Indonesia. The method used is jurisprudential analysis, focusing on the legal documents and arguments presented during the trial. The results of the analysis show that this decision affirms the importance of legal protection for foreign embassies in accordance with the 1961 Vienna Convention, as well as providing clear guidelines in the settlement of land disputes. The research also found that low public awareness regarding legal land ownership is a major factor in the emergence of disputes. In addition, this study suggests the need to improve the mediation mechanism at the BPN and socialization regarding legal land ownership to reduce future disputes. As such, this research is expected to contribute to a deeper understanding of land law and improve legal certainty in Indonesia, as well as provide practical recommendations for policymakers in managing land disputes.
Analysis Of Land Ownership Disputes By Foreign Nationals Based On Wills: Case Study Of Supreme Court Decision No. 1134/Pdt/2009 In The Perspective Of International Civil Law Putri Dwi Ramadhani, Shahnata; Arum Prastyanti, Rina
Mutiara: Multidiciplinary Scientifict Journal Vol. 2 No. 11 (2024): Mutiara: Multidiciplinary Scientifict Journal
Publisher : Al Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/mutiara.v2i11.268

Abstract

Land ownership in Indonesia is strictly regulated, especially for foreigners, through the Basic Agrarian Law (UUPA). This legal foundation limits the rights of foreigners in terms of land ownership, especially property rights, according to Article 21 of the UUPA. The case of Supreme Court Decision No. 1134/Pdt/2009 provides a clear example of how the recognition of inheritance rights for foreigners on land can lead to complicated legal issues. The method of this research is normative juridical with a statutory and case approach. This method focuses on the analysis of Supreme Court Decision No. 1134/PDT/2009 on land ownership disputes between citizens and foreigners based on wills. Primary data was obtained through court decisions and related laws and regulations, such as the UUPA, while secondary data was through legal literature, and legal periodicals In Supreme Court Decision No. 1134/Pdt/2009, legal considerations regarding land ownership by foreign nationals (WNA) based on wills are the basis of juridical considerations in the case. one of the basic principles that apply in international civil law is lex situs or the law that applies in the country where the land object is located. Based on the principle of lex situs, any breach or agreement relating to property must be subject to the law of the country where the property is located. According to an analysis of Supreme Court decision No. 1134/Pdt/2009, although foreign nationals can receive land through wills, Indonesian agrarian law explicitly prohibits foreigners from owning land. This creates a conflict between domestic law and the legal principles of international property rights protection. Decision No. 1134/Pdt/2009 became an important reference in Indonesian international civil and agrarian law.
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.
Sexual Violence Against Children from the Perspective of International Law Maya Dyah Palupi; Rina Arum Prastyanti
International Journal of Sociology and Law Vol. 1 No. 2 (2024): May : International Journal of Sociology and Law
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijsl.v1i2.31

Abstract

The case of sexual violence against children from the perspective of international law highlights the importance of protecting children from all forms of sexual exploitation and sexual abuse. The purpose of this paper is to understand the forms of international law rules regarding cases of sexual violence against children and how international law prosecutes the perpetrators. The discussion of cases of sexual violence against children shows that these cases have serious and widespread impacts, with nearly 1.7 billion children worldwide experiencing violence. To address this issue, it is necessary to strengthen the legal framework that considers all behaviors related to Child Sexual Abuse and Male Sexual Abuse (CSAM) as criminal acts. Increasing resources in law enforcement, cooperation with the private sector, education, and relevant research are also important to increase our awareness of sexual violence. The conclusion that can be drawn is that children are indeed a new generation that will continue the continuity of nations and states, so it is only fair for us and law enforcement to ensure that all human rights of children are fulfilled.
Legal Protection for Victims of Human Trafficking: Indonesian Migrant Workers Abroad Fitri Setyo Rini; Rina Arum Prastyanti
International Journal of Sociology and Law Vol. 1 No. 2 (2024): May : International Journal of Sociology and Law
Publisher : Asosiasi Penelitian dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijsl.v1i2.32

Abstract

Trafficking is currently a serious and urgent global problem. Indonesia itself is also a barn of human trafficking victims, especially related to the labor migration of Indonesian Migrant Workers (PMI) sent abroad. Many migrant workers are victims of exploitation and human rights violations due to human trafficking. Therefore, it is important to strengthen the protection of PMI rights through national and international legal frameworks. This research aims to analyze the legal framework for the protection of migrant workers as victims of human trafficking abroad. The method used is normative legal research by examining relevant national and international laws and regulations. The results show that Indonesia has a strong commitment through the ratification of various international legal instruments to protect migrant workers. However, law enforcement still faces various obstacles and there is a need for stronger cross-border cooperation. Therefore, a more comprehensive policy is needed to improve the protection of migrant workers.
Perlindungan Hukum Internasional terhadap Anak sebagai Korban Tindak Pidana Perdagangan Orang Vita Sari, Ruli; Arum Prastyanti, Rina
Journal of Comprehensive Science Vol. 3 No. 4 (2024): Journal of Comprehensive Science (JCS)
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jcs.v3i4.664

Abstract

Berbagai lembaga dan negara di seluruh dunia terus memperhatikan perlindungan hukum internasional terhadap anak-anak yang menjadi korban tindak pidana perdagangan orang. Bagian dari perdagangan orang adalah perdagangan anak, yang melanggar hak asasi manusia dan merendahkan martabat dan integritas korban. Untuk melindungi anak-anak dari perdagangan orang, komunitas internasional telah mengadopsi berbagai instrumen hukum. Abstrak ini membahas konvensi, protokol, dan kebijakan utama yang digunakan oleh organisasi internasional dan regional. Selain itu, analisis ini mencakup saran untuk meningkatkan perlindungan terhadap anak-anak yang menjadi korban perdagangan orang serta kendala dalam pelaksanaan hukum tersebut.
Co-Authors -, ARYONO - Abram Sahing Absori Agista, Yessa Ayu Anak Agung Ngurah Ade Dwi Putra Yuda Arief Budiono Aris Prio Agus Santoso Aryono Aryono Aryono Az Zahra Nashira Ryan Az Zahra Nashira Ryan Carmo, Giovania Madeira Do Cindy Atika Zulaeka Destina Rina Susanti Destyarini, Normalita Dinar Aisyah Pratiwi Dinda Prama Suari Diniar Hapsari Dwi Arianti, Zahra Eiad Yafi Elya Kusuma Dewi Erby, Efriza Erma Rusdiana Evi Elisanti, Evi Faulinda Elynastiti Fausta, Vania Sokya Firdausi, Anita Fitri Setyo Rini Galih Nur Rohmah, Fayza Giovania Madeira Do Carmo Hentriawan, Luki Hermawan, Risma Dewi I Komang Agus Tri Wismantara Ibrahim, Alisa Imani, Tita Amalia Nur Indah Maulani Indra Hastuti, Indra Kelik Wardiono Khoirul Mustofa Manullang, Jus Marsondang Marni Maulidina, Reva Alya Maulidina Maya Dyah Palupi Miftia Nur Annisa Muftiyanto, R. Taufiq Nur Muhamad Habib Muhamad Habib Nafi’ah, Lutfiah Sholikhatun Nanda Puspitasari Wardoyo Ngestiningrum, Ayesha Hendriana Ningsih, Widi Nugraha Nur Arifin, Firman Oktaviana Ayu Sekar A Pambudi, Amanda Devina Cellia Pangesti, Trias Pratama, Andreas Pandhita Prattana Srisuk Prayoga, Evandito Raihan Puspitasari Wardoyo, Nanda Putri Dwi Ramadhani, Shahnata Putri, Gusni Cahaya Ramadhani, Shahnata Putri Dwi Ryan, Az Zahra Nashira S. Andi Sutrasno, S. Andi Sari Yudianti Suwardji Setiyani, Devy Sevy Septiana Afina Sharma , Ridhima Simanungkalit, Jo Brinson Sobirov, Bobur Sofiyana, Nurani Tarissa Dwi Indrawati Tengpongsthorn, Wuthichai Triyanto Agung Praptono Wibowo Uli Kristiani Saragih Vinanda Langgeng Kencana Vita Sari, Ruli Wahyu Nugroho Warsito . Yafi, Eiad Yuliana, Margareta Evi Zaenal Mustofa Zakiya Putri Az-Zahra Zulaeka, Cindy Atika