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All Journal Jurnal Ilmu Hukum The Juris Jurnal Jatiswara Journal Justiciabelen (JJ) Lex Publica Journal Customary Law Indonesian Journal of Law and Justice Intellectual Law Review (ILRE) Jurnal Hukum Mimbar Justitia Al-Musthalah: Jurnal Riset dan Penelitian Multidisiplin Letterlijk
Leny Megawati
Fakultas Hukum Universitas Suryakancana
Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Perlindungan Hukum Terhadap Konsumen dari Praktik Hidden Cost dalam Perjanjian Pinjaman Online Berdasarkan Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen Rifqi Salam Muhammad Shahih; Hesti Dwi Astuti; Leny Megawati
Letterlijk Vol 3 No 1 (2026): Pactum
Publisher : Program Studi Ilmu Hukum, Universitas Kuningan

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Abstract

The massive growth of financial technology-based online lending services in Indonesia has given rise to a serious legal problem, namely the practice of hidden cost imposed upon consumers without prior adequate disclosure of fee information. This study aims to analyze the legal framework governing cost transparency in online loan agreements, to identify the factual forms of hidden cost practices, and to examine the legal protection available to consumers under Law Number 8 of 1999 on Consumer Protection. The normative juridical method with descriptive-analytical specification was employed, with primary legal materials comprising the Consumer Protection Law, the Civil Code, and OJK Regulation Number 10/POJK.05/2022. The findings indicate that cost transparency regulations are normatively available; however, the absence of an explicit definition of hidden cost in POJK 10/2022 creates a normative gap that enables providers to claim formal compliance without fulfilling the substantive requirements of transparency. Hidden cost practices manifest in three forms: administrative fee deductions from disbursed funds without prior notice, imposition of disproportionate service fees, and progressive late payment penalties whose calculation mechanisms are not disclosed from the outset of the agreement all of which violate Article 18 of the Consumer Protection Law and potentially undermine the free consent requirement under Article 1320 of the Civil Code. Legal protection operates through a preventive channel in the form of transparency obligations and a repressive channel comprising clause nullification and compensation liability; however, its effectiveness will only be optimal when provider substantive compliance, non-merely-formal OJK supervision, and consumer legal awareness operate simultaneously and sustainably.
Sistem Pemilu Indonesia dalam Dinamika Putusan Mahkamah Konstitusi Antara Stabilitas Politik dan Status Quo Dedi Mulyadi; Leny Megawati; Kori Hermawanti
Indonesian Journal of Law and Justice Vol. 3 No. 4 (2026): June
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/ijlj.v3i4.5924

Abstract

Penelitian ini bertujuan menganalisis latar belakang permohonan pengujian materiil terhadap Undang-Undang Nomor 7 Tahun 2017 tentang Pemilihan Umum serta mengkaji dinamika pertimbangan Mahkamah Konstitusi dalam Putusan Nomor 114/PUU-XX/2022 yang mempertahankan sistem pemilu proporsional terbuka pada Pemilu Tahun 2024. Penelitian menggunakan metode yuridis normatif dengan pendekatan perundang-undangan dan pendekatan konseptual melalui analisis terhadap perundang-undangan, putusan Mahkamah Konstitusi, serta bahan hukum sekunder yang relevan. Hasil penelitian ini menujukan bahwa permohonan pengujian materiil dilatar belakangi oleh pandangan bahwa sistem proporsional tertutup dinilai lebih mampu memperkuat kelembagaan partai politik dan mendorong kaderisasi yang lebih efektif. Namun, Mahkamah Konstitusi menolak permohonan tersebut dengan mempertimbangkan prinsip kepastian hukum, stabilitas penyelenggaraan pemilum, dan perlindungan hak konsitusional warga negara untuk memilih calon legislatif secara langsung. Putusan tersebut mencerminkan adanya pertautan antara logika stabilitas, yang mengedepankan konsistensi sistem pemilu menjelang Pemilu 2024, dan logika status quo, yang menunjukan kecenderungan aktor politik mempertahankan sistem proporsional terbuka karena memberikan ruang bagi kompetisi berbasis popularitas. Penelitian ini menyimpulkan bahwa Mahkamah Konstitusi menempatkan stabilitas demokrasi, kepastian hukum, dan perlindungan hak pilih sebagai dasar utama dalam mempertahankan sistem pemilu proporsional terbuka.
Co-Authors Al Idrus, M. Mahdor Anita Kamilah Asep Hasanudin Cecep Wiharma Dedi Mulyadi Dedi Mulyadi Hadi Koswara Hesti Dwi Astuti Kori Hermawanti Lananda, Ardelia Masripa Siti Zahra Nurmala Nurmala Rifqi Salam Muhammad Shahih Sinta Solihah