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PERTANGGUNGJAWABAN PIHAK BANK DALAM KASUS KEBOCORAN DATA PRIBADI YANG MENGAKIBATKAN KERUGIAN BAGI NASABAH Rahayu Sulistyaningsih; Diana Tantri Cahyaningsih
Jurnal Privat Law Vol 14, No 1 (2026): JANUARI - JUNI
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v14i1.59694

Abstract

This article examines the liability of the bank in cases of personal data leakage that results in losses for customers. This research uses normative legal research. The research approach used is the Legislative Approach and the conceptual approach. The types and sources of legal materials used are primary legal materials and secondary legal materials. The technique of collecting legal materials used is the study of documents or library materials. The technique of analyzing legal materials uses the deduction method. The results of research and discussion show that the implementation of Personal Data Protection in banking activities until now there is no regulation that codifies it into one law and Leakage of personal data poses various risks including information being stolen and then sold to the Darkweb so that customers are worried about legal uncertainty regarding legal protection. of his personal data and the current regulation that describes the protection of personal data is still sectoral and partial. The form of bank accountability for cases of personal data leakage by replacing customer losses and Banks need to apply legal protection to customer personal data based on Bank Indonesia Regulation Number 7/6/PBI/2005 concerning product transparency, especially internet banking services by providing correct and honest information to customers.
Legal Protection for Buyers in Good Faith in Private-Deed Land Sales: The Dialetic of Certainty and Justice Novi Sri Lestari; Diana Tantri Cahyaningsih; Heri Hartanto
Jurnal Ilmu Hukum Vol. 15 No. 1 (2026): Jurnal Ilmu Hukum
Publisher : Fakultas Hukum Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30652/019mks83

Abstract

This article examines legal protections for bona fide buyers in informal land transactions, referencing Cirebon District Court Decision Number 59/Pdt.G/2022/PN Cbn as a key legal basis. It focuses on the conflict between the formal land registration regime outlined in Article 19 of Law No. 5 of 1960 and Article 37 of Government Regulation No. 24 of 1997, which mandates a PPAT deed, and the reality of community-based informal transactions. The study employs a normative juridical approach, including legislative, case, and conceptual analyses, along with prescriptive-argumentative methods to interpret the judge's considerations. Findings indicate that the court evaluated the agreement’s validity, the seller's authority, payment status, and the plaintiff’s control over the property as grounds for ratifying the transaction. As a good-faith purchaser, the plaintiff deserves legal protection, making the decision a means to legitimize administrative processes judicially. This ruling promotes substantive justice and legal certainty by updating land registration data and highlights a regulatory gap: protection currently relies on litigation rather than preventive administrative measures. Strengthening administrative legalization procedures for private transactions and establishing normative criteria for good-faith buyers are crucial steps toward achieving just and certain land law in Indonesia.
Akibat Hukum Kebatalan Perjanjian Pembiayaan Dalam Putusan Niet Ontvankelijke Verklaard Prameswari Bunga Kedaton; Itok Dwi Kurniawan; Diana Tantri Cahyaningsih
Indonesian Journal of Social Sciences and Humanities Vol. 6 No. 2 (2026): Indonesian Journal of Social Sciences and Humanities (IJSSH)
Publisher : Indonesian Publication Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.67434/ijssh.v6i2.2690

Abstract

Penelitian ini bertujuan untuk menganalisis akibat hukum dasar pertimbangan hakim dalam menjatuhkan putusan Niet Ontvankelijke Verklaard terhadap Perjanjian Pembiayaan dengan pembebanan Jamina Fidusia dalam Putusan Nomor 8/Pdt.G.S/2025/PN.Amb. Penelitian ini merupakan penelitian hukum normatif dengan pendekatan perundang-undangan (statute approach) dan pendekatan kasus (case approach). Bahan hukum primer berupa Kitab Undang-Undang Hukum Perdata, Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia, dan Putusan Nomor 8/Pdt.G.S/2025/PN.Amb, sedangkan bahan hukum sekunder diperoleh dari buku, jurnal ilmiah, dan literatur hukum yang relevan. Analisis bahan hukum dilakukan secara kualitatif dengan metode penalaran deduktif. Hasil penelitian menunjukkan bahwa pertimbangan hakim didasarkan pada tidak dipenuhinya ketentuan formal pembentukan Akta Jaminan Fidusia di depan hadapan notaris sebagaimana diatur dalam Pasal 5 ayat (1) Undang-Undang Nomor 42 Tahun 1999. Akibatnya, gugatan dinyatakan tidak dapat diterima (Niet Ontvankelijke Verklaard) sehingga pemeriksaan terhadap pokok perkara tidak dilanjutkan. Berdasarkan hasil analisis, Perjanjian Pembiayaan sebagai perjanjian pokok dan Akta Jaminan Fidusia sebagai perjanjian accessoir memiliki kedudukan hukum yang berbeda. Oleh karena itu, ketidakabsahan pembentukan Akta Jaminan Fidusia tidak serta-merta mengakibatkan Perjanjian Pembiayaan kehilangan keabsahannya sepanjang tetap memenuhi ketentuan Pasal 1320 Kitab Undang-Undang Hukum Perdata. Akibat hukum yang timbul seharusnya terbatas pada tidak lahirnya Jaminan Fidusia sebagai hak jaminan kebendaan, sedangkan Perjanjian Pembiayaan tetap mempunyai kekuatan mengikat sebagai dasar hubungan hukum para pihak.