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Analisis Penerapan Kode Etik Penagihan pada Fintech P2p Lending dalam Perspektif Perlindungan Konsumen (Studi Kasus Layanan Pinjaman Online Adakami) Amoury Adi Sudiro; Aris Machmud; Feby Nurhisyam
Syntax Idea 888-899
Publisher : Ridwan Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/syntax-idea.v6i2.3013

Abstract

The emergence of online loan applications provides a new practical and unsecured option in accounts receivable agreements, allowing many people to use this service. However, the thing that stands out in online loans is related to the behavior of collection officers from fintech P2P Lending companies by not applying ethics and consumer protection principles such as billing cases on the AdaKami application that commit terror, intimidation and threats so that they are detrimental to consumers as users of the application. The purpose of this study is to determine the application of a billing code of ethics that guarantees legal certainty in fintech P2P Lending and legal protection for victims who experience losses for the occurrence of the collection in question. This research uses normative juridical law research methods with a statutory approach (statute approach), analytical approach (analytical approach), and case approach (case approach). The main data collection is carried out by looking at several literatures, undergraduate scientific papers, and laws and regulations to obtain secondary data. The results showed that the application of the billing code of ethics in fintech P2P Lending is still not optimal due to the lack of legal regulations that can adequately protect consumers from actions taken by fintech P2P Lending. Better regulation and legal coordination between relevant parties are needed to enforce the law and protect consumer rights from violations committed by fintech P2P lending companies.
Consumer Legal Certainty in Grab Indonesia's Challenge Jugglenaut Program: An Analysis of the Abuse of Circumstances in Digital Contracts Nayra Ambardani; Amoury Adi Sudiro; Siti Farhani
Jurnal Mahkamah : Kajian Ilmu Hukum dan Hukum Islam Vol. 11 No. 1 Juni (2026)
Publisher : Institut Agama Islam Ma'arif NU (IAIMNU) Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25217/jm.v11i1.7742

Abstract

The many reports from users about the Challenge Jugglenaut program by Grab Indonesia that do not provide rewards as promised show that there are problems in application-based online transportation services in Indonesia. The rapid advancement of digital technology has led to the birth of platforms such as Grab with lucrative promotional offers, but abusive practices that harm consumers are still common. This study aims to analyze the legal certainty of consumers for the delay in rewarding PT Grab Indonesia in the implementation of the Challenge Jugglenaut program by examining indications of abuse based on user experience. The research uses an empirical legal approach with qualitative methods and descriptive techniques to describe the real user experience. Data was collected through structured questionnaires, document studies, and literature references, then analyzed qualitatively to find patterns of abuse of circumstances and legal responsibilities of PT Grab Indonesia. The results of the analysis show that in the implementation of the Challenge Jugglenaut Program, there is an imbalance in the legal position between business actors and users, which is reflected in the disproportionate setting of targets and legal uncertainty in the requirements and mechanisms of the program. This condition shows that the contractual relationship built by the platform does not provide a clear and predictable guarantee regarding the fulfillment of consumer rights, thus weakening the principle of legal certainty in practice. Although normative consumer protection regulations are available, the findings of this study show that supervision and special regulation of digital platforms still need to be strengthened, especially related to the obligation of transparency of systems, algorithms, and program success assessment mechanisms. Therefore, cooperation between the government, business actors, and consumer protection institutions is needed to build a digital economy ecosystem that not only encourages innovation, but also ensures legal certainty, justice, and real protection of consumer rights.