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Rinjani, Andini Gita
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Arts Humanities Computer Science & IT Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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URGENSI PENGUATAN LITERASI DIGITAL DALAM PERLINDUNGAN KONSUMEN Rinjani, Andini Gita; Suganda, Lilis; Bustani, Simona
Ensiklopedia of Journal Vol 6, No 2 (2024): Vol. 6 No. 2 Edisi 2 Januari 2024
Publisher : Lembaga Penelitian dan Penerbitan Hasil Penelitian Ensiklopedia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33559/eoj.v6i2.2112

Abstract

Disrupsi digital membawa perubahan dan tantangan yang luar biasa bagi pola perilaku dan pemikiran konsumen dan pelaku usaha. Beragam peraturan yang dimaksudkan untuk memitigasi risiko atas masifnya perkembangan teknologi digital pasalnya tidak serta merta meredakan problematika yang kerap berdatangan di tengah aktivitas konsumen. Dalam hal ini, rendahnya tingkat literasi digital merupakan salah satu faktor pemicu persoalan. Dengan menggunakan metode normatif dan pendekatan kualitatif, penelitian ini berupaya untuk menggambarkan urgensi penguatan literasi digital dalam mengoptimalisasikan perlindungan konsumen. Hasil penelitian menunjukkan bahwa penguatan literasi digital bagi konsumen dan pelaku usaha merupakan faktor terpenting dalam rangka meningkatkan pencegahan dan perlindungan konsumen dan pelaku usaha dari dampak negatif yang ditimbulkan oleh transaksi digital. Upaya penguatan ini merupakan jawaban untuk keamanan konsumen dan pelaku usaha saat bertransaksi digital. Pada puncaknya, penguatan literasi digital adalah bentuk upaya preventif terjadinya konflik di antara konsumen dan pelaku usaha.Keywords: Urgensi, Penguatan, Literasi Digital, Perlindungan Konsumen
TANTANGAN DIGITALISASI ANTI PENCUCIAN UANG DARI PENIPUAN SIBER DI SEKTOR JASA KEUANGAN Rinjani, Andini Gita; Ratnawati, Elfrida
Ensiklopedia of Journal Vol 6, No 2 (2024): Vol. 6 No. 2 Edisi 1 Januari 2024
Publisher : Lembaga Penelitian dan Penerbitan Hasil Penelitian Ensiklopedia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33559/eoj.v6i2.2068

Abstract

Digital disruption in the financial services sector facilitates the evolution of the modus operandi of money launderers and revises the risk mapping of money laundering using cyber networks. However, the enactment of the Financial Services Authority Regulation Number 8 of 2023 concerning Implementation of Anti-Money Laundering, Combating Financing of Terrorism, and Counter-proliferation Financing of Weapons of Mass Destruction Programs in the Financial Services Sector does not necessarily reduce the number of Suspicious Financial Transaction Reports which indicates the financial services sector is still vulnerable used as a money laundering tool from cyber fraud. Using the normative method and a qualitative approach, the author describes the challenged factors in enforcing digital anti-money laundering in terms of Legal System Theory by Lawrence M. Friedman. The results indicate that the complexity of the digital money laundering development, lack of competence and quality of law enforcers, lack of strict sanction imposed, low utilization of sophisticated technology in line with the high costs charged, and lack of awareness and culture of law-abiding by public are challenges which shall immediately be addressed by the government, regulators, law enforcers, public, and financial service providers to optimize enforcement of digital anti-money laundering in the financial services sector.
Online Shopping Protection in Indonesia: A Social & Legal Discourse Rinjani, Andini Gita; Sabri, Ahmed Badaruddin Muhammad
Indonesia Media Law Review Vol 1 No 1 (2022): January-June, 2022
Publisher : Faculty of Law, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/imrev.v1i1.56674

Abstract

In this modern era, Electronic Commerce or business transactions today's generation called it the online shopping loved everybody in terms of its use, because it is very effective and can efficiently time so that one can conduct transactions wherever and whenever. It turns out it is very bersiko. Internet is an open network that can trigger the occurrence of data manipulation factors which would harm the party. Finally, emerging form of software security solutions, which did not give full guarantee to be free from loss, it certainly can reduce public confidence. Based on the relevant legislation, namely Law No. 40 of 20014 any emerging risks and capable of causing the loss can be the object of insurance. This means that all forms of transactions in e-commerce should be insured in order to ensure certainty and security in the transaction. The rules regarding insurance with respect to electronic commerce should be regulated specifically in a chapter in the Law No. 40 of 2014 on insurance, so as to provide clear regulation about insurance sehubungannya with e-commerce. Through normative legal research methods are expected to be able to prove how a clear legal basis to the problem in question, especially in the perspective to businesses as well as the Insurance Act itself.
Co-Authors Elfrida Ratnawati Sabri, Ahmed Badaruddin Muhammad Simona Bustani, Simona Suganda, Lilis