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All Journal Ahkam: Jurnal Ilmu Syariah Jurnal Hukum Acara Perdata ADHAPER JURNAL MUQODDIMAH : Jurnal Ilmu Sosial, Politik dan Hummaniora JURNAL CENDEKIA HUKUM Jurnal Hukum Bisnis Bonum Commune Nagari Law Review Unes Law Review Buletin Ilmiah Nagari Membangun Repertorium: Jurnal Ilmiah Hukum Kenotariatan Jurnal Hukum Acara Perdata Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial RIO LAW JURNAL UNES Journal of Swara Justisia Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Journal of Law, Poliitic and Humanities Ekasakti Journal of law and Justice Lareh Law Review Jurnal Hukum & Pembangunan Jurnal Sakato Ekasakti Law Review Media of Law and Sharia
Wetria Fauzi
Faculty Of Law, Andalas University, Padang, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Physics Public Health Social Sciences Veterinary Other

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Allegations Of A Cartel In Online Loan Service In The Enforcement of Business Competition Law Zulkifli; Wetria Fauzi
Ekasakti Journal of Law and Justice Vol. 3 No. 2 (2025)
Publisher : Master of Law Program, Ekasakti University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60034/7evdb803

Abstract

The regulation of online loan interest rate determination in Indonesia is regulated in the Guidelines for the responsible provision of information technology-based money lending services issued by the Indonesian Joint Funding Fintech Association (AFPI) and the association has the authority based on statutory regulations to determine loan interest rates and other fees for business actors engaged in the online loan service sector. A cartel occurs when several business actors agree to regulate: interest rates, minimum/maximum loan limits, division of marketing areas or control of prospective debtor data. The Business Competition Supervisory Commission stated that AFPI and its members were involved in an alleged online loan interest rate cartel and an investigation has been conducted into the allegation. The investigation has found that there is an agreement to determine online loan interest rates carried out by AFPI and its members and the KPPU has also found 44 reported parties in this case and found evidence to strengthen the allegation including statements from the reported parties, witnesses or experts who have relevance to this case and other evidence. Synergy between institutions and the application of digital monitoring technology are the main keys to preventing the formation of cartels in the online loan sector.
The Role of Notaries In Providing Legal Certainty of Investment In Indonesia Wetria Fauzi; Zulkifli
Jurnal Sakato Ekasakti Law Review Vol. 5 No. 1 (2026): Jurnal Sakato Ekasakti Law Review
Publisher : LPPM Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/b9bf5q42

Abstract

Every country is competing to create a conducive investment climate. However, the high investment potential does not automatically make Indonesia a primary destination for investors. One factor that investors pay primary attention to when conducting investment activities is legal certainty. Investors need assurance that their rights will be protected by law. The government's efforts to create legal certainty in investment are realized through the establishment of various laws and regulations, one of which is Law Number 25 of 2007 concerning Investment. This law provides the legal basis for investment activities in Indonesia, both domestic and foreign investment. Furthermore, the government also reformed regulations through Law Number 6 of 2023 concerning the Establishment of the Job Creation Law, which is a law aimed at increasing the ease of doing business and improving the national investment climate. However, in practice, the role of notaries in realizing legal certainty in investigations still faces various obstacles and challenges. One of the problems that occurs is the rapid changes in investigation regulations, which give rise to uncertainty in business law practices. Furthermore, there is still overlapping regulations between agencies, causing the investigation process to become more complicated and complicated.
PERLINDUNGAN HUKUM TERHADAP PELAKU UMKM DALAM TRANSAKSI ONLINE GUNA PENINGKATAN PEREKONOMIAN DI INDONESIA Triyana Syahfitri; Wetria Fauzi
Repertorium: Jurnal Ilmiah Hukum Kenotariatan Vol. 14 No. 1 (2025): Repertorium
Publisher : Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28946/rpt.v14i1.3922

Abstract

Usaha Mikro Kecil Menengah merupakan salah satu penopang perekonomian, karena sebahagian besar penduduk Indonesia mata pencaharian berasal dari usaha mikro kecil menengah, sehingga perlu diberikan perlindungan hukum terhadap pelaku usaha pada segmen ini dengan cara membentuk Perundang-undangan yang memiliki kepastian hukum. Hadirnya Undang-undang tentang Perlindungan Konsumen atau dikenal dengan UUPK, berfungsi mengatur hak dan kewajiban baik bagi konsumen, juga bagi pelaku usaha. Namun secara umum UUPK lebih berfokus untuk memberikan perlindungan kepada pihak konsumen. Hal tersebut disebabkan posisi yang tidak seimbang antara pelaku usaha dengan konsumen, dimana konsumen sebagai pihak yang sering dirugikan. Seiring perkembangan bisnis dan meningkatnya kebutuhan ekonomi, maka banyak pelaku usaha yang bersaing dalam memberikan pelayanan yang terbaik guna memenuhi kebutuhan konsumen atas barang dan jasa. Faktanya saat ini, transaksi jual beli secara online merupakan pilihan yang sukses membuat konsumen merasa lebih efisien waktu. Dalam bertransaksi secara online, kerugian tidak hanya dapat dialami oleh konsumen. Saat ini juga sering terjadi kerugian yang dialami oleh pelaku usaha yang disebabkan oleh ketiadaan itikad baik oleh konsumennya. Kerugian yang dialami oleh pelaku usaha mikro kecil dan menengah dibidang kuliner, dalam penjualan makanan dan minuman menyediakan pelayanan pemesanan secara online dan dapat diantar ke alamat dengan sistem pembayaran cash on delivery. Kondisi ini memberi peluang tidak terpenuhinya prestasi yang seharusnya dilakukan oleh pihak konsumen. Walaupun dari kedua belah pihak sama-sama belum menuaikan prestasinya namun dari pihak pelaku usaha telah memproses pembuatan makanan dan minuman tersebut, sehingga ada modal yang terpakai oleh pelaku usaha, demikian juga dalam pengantaran, adanya biaya yang harus dikeluarkan oleh pelaku usaha, namun terjadinya alamat palsu dan pembatalan pesanan secara sepihak oleh konsumen, secara tidak langsung telah merugikan pelaku usaha. Sehingga ke depan dibutuhkan adanya pengaturan hukum yang seimbang, antara konsumen dan pelaku usaha, terutama terhadap pelaku usaha kecil. Kata Kunci: Perlindungan, UMKM, Jual Beli Online
Pengalihan Risiko Tanggung Jawab Perdata Notaris Kepada Asuransi Profesi Dalam Menjalankan Fungsi Jabatan Berri Septianda; Ismansyah Ismansyah; Wetria Fauzi
Jurnal Ilmiah Muqoddimah: Jurnal Ilmu Sosial, Politik dan Hummaniora Vol 10, No 2 (2026): Mei 2026
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jim.v10i2.2026.1396-1402

Abstract

Notaris sebagai pejabat umum memiliki tanggung jawab perdata atas setiap akta autentik yang dibuatnya, terutama apabila terdapat kesalahan atau kelalaian yang menimbulkan kerugian bagi para pihak. Seiring dengan meningkatnya kompleksitas transaksi hukum dan tuntutan profesionalisme, risiko tanggung jawab perdata yang dihadapi notaris semakin besar dan berpotensi mengancam keberlangsungan praktik kenotariatan. Penelitian ini bertujuan untuk mengkaji pengalihan risiko tanggung jawab perdata notaris kepada asuransi profesi serta menganalisis kedudukan hukum dan implikasi hukumnya dalam menjalankan fungsi jabatan notaris. Metode penelitian yang digunakan adalah penelitian hukum normatif dengan pendekatan perundang?undangan, konseptual, dan perbandingan, dengan menggunakan bahan hukum primer, sekunder, dan tersier. Hasil penelitian menunjukkan bahwa pengalihan risiko melalui asuransi profesi pada prinsipnya tidak menghapus tanggung jawab pribadi notaris sebagaimana diatur dalam Undang?Undang Jabatan Notaris, melainkan hanya mengalihkan beban finansial atas tuntutan ganti rugi kepada perusahaan asuransi. Namun, ketiadaan pengaturan khusus mengenai asuransi profesi notaris menimbulkan ketidakpastian hukum terkait batasan pertanggungan, mekanisme klaim, serta potensi moral hazard. Oleh karena itu, diperlukan regulasi yang komprehensif dan peran aktif organisasi profesi untuk mengatur asuransi profesi notaris secara jelas, seimbang, dan berorientasi pada perlindungan hukum bagi notaris dan masyarakat
Judicial Legal Reasoning in the Ruling on PT Jiwasraya (Persero) Regarding Provest Saving Plan Policy Claims (A Study Of Decision Number 05/Pdt.G.S/2021/Pn.Jkt.Pst) Fikrun Khair; Wetria Fauzi; Yussy Adelina Mannas; Darmaiza; Bismil Tirta Jalisman
Journal of Law, Politic and Humanities Vol. 6 No. 5 (2026): (JLPH) Journal of Law, Politic and Humanities
Publisher : Dinasti Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jlph.v6i5.3540

Abstract

PT Asuransi Jiwasraya (Persero) defaulted on claims related to its Provest Saving Plan (JS Saving Plan), an investment-linked insurance product marketed via bancassurance that claimed returns which it ultimately failed to fulfil, resulting in significant losses for policyholders and the state. The default resulted in two judicial rulings obtained via distinct procedural avenues, yielding conflicting results: Decision Number 05/Pdt.G.S/2021/PN.Jkt.Pst via a small-claim action predicated on default (wanprestasi), and Decision Number 759/Pdt.G/2021/PN.Jkt.Pst via a standard civil action based on an unlawful act (perbuatan melawan hukum). This study analyses the legal obligations of PT Asuransi Jiwasraya to Provest Saving Plan policyholders in cases of default, as well as the court's rationale in both rulings. This research utilises normative legal analysis through statutory and case law methodologies. The findings indicate that PT Asuransi Jiwasraya's legal responsibility arises from a valid reciprocal insurance contract and is multifaceted, encompassing civil liability derived from contractual obligations and tortious liability as strict liability; individual criminal liability of directors who violated prudential principles and good corporate governance; and administrative liability enforced by the OJK, resulting in the revocation of its business licence and the dissolution of the company. Secondly, a divergence exists in the judges' legal reasoning stemming from varying interpretations of the term "may" (dapat) within the dispute-resolution clause of the General Policy Terms: in Decision Number 05/Pdt.G.S/2021/PN.Jkt.Pst, the clause was interpreted as facultative, resulting in the suit being granted, whereas in Decision Number 759/Pdt.G/2021/PN.Jkt.Pst, the identical clause was interpreted as a procedural obligation, leading to the suit being deemed premature and inadmissible. This research concludes that upholding policyholders' rights through decisions that safeguard individual consumers aligns more closely with the tenets of corrective and procedural justice, and that a uniform standard for interpreting dispute-resolution clauses is essential to ensure legal certainty and protect policyholders.
Co-Authors Abdullah, Risyad Arben, Ali Aulia br Surbakti, Syafirah Azmi Fendri Begum khalidhazia, Trisno Marta Berri Septianda Bismil Tirta Jalisman Busyra Azheri Darmaiza Delfiyanti Delfiyanti Delima Fitrah, Indah Efendi, Raimon Elwi Danil Fakhruddin, Husni Muhammad Fikrun Khair Hamidi, Syahrul Harvia Santri, Selvi Herlambang, Fahreza Husni Muhammad Fakhruddin Indah Delima Fitrah Indradewa, Rhian Indriani, Lidya Ismansyah Ismansyah Khairani Khairani Khairani Khairani Lidya Indriani Lucy Juwita Asni Mirwati, Yulia Nia Wino Marisya Partynia Nur Imantya Pratama, Arya Putra Rizal Putri Zakia Yurahman Rahayu, Aisya Ratih Agustin Wulandari Rembrandt, Rembrandt Selvi Harvia Santri Syahfitri, Triyana Syahrul Hamidi Syofiarti Tasman Tasman Triyana Syahfitri Utami, Vanessa Yasniwati, Yasniwati Yoko Rasaki Rasaki Yoserwan Yuslim Yussy Adelina Mannas Zulkifli Zulkifli