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Suraji Suraji
Faculty Of Law, Universitas Sebelas Maret
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Keabsahan Clickwrap Agreement dalam Perspektif Asas Kebebasan Berkontrak di Indonesia Steven Surya Santoso; Suraji Suraji
Indonesian Journal of Social Sciences and Humanities Vol. 6 No. 1 (2026): Indonesian Journal of Social Sciences and Humanities (IJSSH)
Publisher : Indonesian Publication Center

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Abstract

Advances in information technology have driven the use of electronic contracts, one of which is the clickwrap agreement, which is widely used in modern digital transactions. However, this form of agreement raises legal issues regarding its validity and the application of the principle of freedom of contract, particularly due to its inherently one-sided nature and limited room for negotiation. This study aims to analyze the validity of clickwrap agreements from the perspective of the principle of freedom of contract and to examine the challenges and implications within Indonesian contract law. The research method employed is normative legal research using a legislative and conceptual approach. Legal materials were collected through literature review and analyzed using the syllogistic method with deductive reasoning. The results of the study indicate that clickwrap agreements are valid and meet the requirements for a valid contract under Article 1320 of the Civil Code. However, the application of the principle of freedom of contract has not been optimal due to the lack of room for negotiation for users. The challenges that arise include an imbalance of power between the parties, a lack of user understanding of the contract’s contents, the potential for clauses that are detrimental to users, and regulatory ambiguity. The implications of these conditions relate to legal certainty, the status of the parties, consumer protection, law enforcement, and the development of contract law.
PERLINDUNGAN HUKUM BAGI BANK DALAM PERJANJIAN KREDIT AKIBAT WANPRESTASI NASABAH Rokhmad Faula; Suraji Suraji
Jurnal Privat Law Vol 13, No 2 (2025): JULI-DESEMBER
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v13i2.52396

Abstract

AbstractThis artricles aims to examines the problems regarding sanctions or legal consequences that may be imposed on customers who default on the credit agreement at the bank and legal protection measures for the bank as a provider of funds to customers if there is default. This research is categorized as a normative legal research, which is prescriptive. The research approach used in this research is a statute approach. In nature the data used in this research is primary legal materials, secondary legal materials and tertiary legal materials. The data collection technique used in this research is library research and through cyber media. The results shows that sanctions or legal consequences for debtors who are in default, namely compensation in default, cancellation of agreement in default, transfer of risk in default, and paying court fees in default. The legal protection measures for banks to customers if there is default are internal legal protection and external legal protection. Internal legal protection is contained in the credit agreement. As for external legal protection contained in legislations.Keywords: Credit Agreement; Default; Legal Protection.AbstrakArtikel ini bertujuan untuk mengkaji sanksi atau akibat hukum yang dapat dikenakan kepada nasabah yang melakukan wanprestasi terhadap perjanjian kredit pada bank dan bentuk perlindungan hukum bagi bank sebagai pemberi dana kepada nasabah apabila terdapat wanprestasi. Penelitian ini merupakan penelitian hukum normatif yang bersifat preskriptif. Pendekatan penelitian yang digunakan adalah pendekatan perundang-undangan. Sumber bahan hukum adalah bahan hukum primer, bahan hukum sekunder dan bahan hukum tersier. Teknik pengumpulan bahan hukum yang digunakan adalah studi kepustakaan dan melalui cyber media. Hasil penelitian menunjukkan bahwa sanksi atau akibat-akibat hukum bagi debitur yang wanprestasi, yaitu pembayaran ganti rugi dalam wanprestasi, pembatalan perjanjian dalam wanprestasi, peralihan resiko dalam wanprestasi, dan membayar biaya perkara dalam wanprestasi. Bentuk - bentuk perlindungan hukum bagi bank sebagai pemberi dana kepada nasabah apabila terdapat wanprestasi, dibedakan atas perlindungan hukum internal dan perlindungan hukum eksternal. Perlindungan hukum internal terdapat dalam perjanjian kredit itu sendiri. Adapun perlindungan hukum eksternal terdapat dalam Peraturan Perundang-Undangan.Kata Kunci: Perjanjian Kredit; Perlindungan Hukum; Wanprestasi.
PERLINDUNGAN KONSUMEN BAGI PEMBERI PINJAMAN FINTECH PEER TO PEER LENDING Lintang Dianing Sarastri Ardita; , Suraji
Jurnal Privat Law Vol 10, No 1 (2022): JANUARI-JUNI
Publisher : Fakultas Hukum Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/privat.v10i1.60476

Abstract

Artikel ini bertujuan untuk mengetahui mengenai  pengaturan perlindungan konsumen khususnya bagi pemberi pinjaman dalam financial technology peer to peer lending dan upaya hukum yang didapatkan apabila terjadi gagal bayar (default). Penelitian  ini  merupakan  penelitian  hukum normatif dengan bahan hukum primer dan sekunder yang dianalisis dengan cara deduktif. Peraturan yang saat ini dapat mengakomodir perlindungan konsumen dianggap belum mampu untuk mengakomodir aspekaspek yang ada pada pemberi pinjaman sebagai konsumen. Jika terdapat peraturan spesifik yang mengatur baik pada penyelenggaraan, perlindungan konsumen, maupun penyelesaian sengketa, maka penyelenggara fintech dapat dan harus tunduk pada kerangka hukum yang lebih spesifik.
Perlindungan Hak Keperdataan Anak Luar Kawin Terkait Pemenuhan Alimentasi oleh Ayah Kandung Nasywa Adinda Rahmafitria; Suraji Suraji
Indonesian Journal of Social Sciences and Humanities Vol. 6 No. 2 (2026): Indonesian Journal of Social Sciences and Humanities (IJSSH)
Publisher : Indonesian Publication Center

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Abstract

Penelitian ini menganalisis perlindungan hukum anak luar kawin terkait hak alimentasi dari ayah kandung pasca-Putusan MK Nomor 46/PUU-VIII/2010 dan upaya hukum perdata untuk memenuhinya. Menggunakan metode penelitian hukum normatif dengan pendekatan perundang-undangan dan kasus, analisis dilakukan secara preskriptif melalui penalaran hukum silogisme. Hasil penelitian menunjukkan bahwa Putusan MK No. 46/PUU-VIII/2010 menggeser paradigma dari kebenaran formal ke kebenaran biologis melalui tes DNA, sehingga pemenuhan nafkah berubah dari kewajiban moral menjadi kewajiban hukum imperatif. Upaya hukum yang dapat ditempuh meliputi sarana internal (pengakuan sukarela atau kesepakatan non-litigasi berakta notaris) dan sarana eksternal (gugatan perdata asal-usul anak dan nafkah di pengadilan). Namun, implementasinya masih terkendala kekosongan regulasi teknis mengenai standarisasi pembuktian dan mekanisme pemotongan penghasilan otomatis, sehingga diperlukan pembaruan regulasi yang progresif.
Aspek Hukum Perjanjian Franchise Dalam Mewujudkan Singkronisasi Kepastian dan Keadilan Hukum Waralaba di Indonesia Devia Fasha Prasmifta; Suraji Suraji
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.v6i2.2637

Abstract

Penelitian ini mengkasi mengenai aspek yuridis perjanjian waralaba di Indonesia berdasarkan Putusan PN Jakarta Selatan Nomor 612/Pdt.G/2017/PN Jkt.Sel, serta menganalisis sinkronisasi regulasinya demi mewujudkan kepastian dan keadilan hukum bagi para pihak. Menggunakan metode hukum normatif yang bersifat preskriptif analitis, studi ini menerapkan pendekatan perundang-undangan. Hasil penelitian mengungkapkan bahwa ikatan waralaba di Indonesia berlandaskan pada Pasal 1320 dan Pasal 1338 KUH Perdata. Kendati demikian, ketidakseimbangan posisi tawar kerap memicu dominasi pemberi waralaba dalam merumuskan klausula baku, sehingga rentan menimbulkan sengketa cedera janji. Di sisi lain, kehadiran PP Nomor 35 Tahun 2004 dan Permendag Nomor 1 Tahun 2019 dinilai mampu memperkuat kepastian hukum melalui instrumen wajib seperti pendaftaran Surat Tanda Pendaftaran Waralaba (STPW) dan transparansi dokumen prospektus. Meski begitu, perwujudan keadilan kontraktual yang seimbang masih terkendala oleh lemahnya pengawasan, rendahnya kepatuhan pelaku usaha, serta potensi persaingan usaha tidak sehat akibat pembatasan wilayah kerja dan monopoli pasokan bahan baku secara sepihak.
Juridical Review of E-commerce Selling and Buying on Consumers and Buyers in Indonesia Aris Surya Muzakki; Suraji Suraji
Prosiding Seminar Nasional Ilmu Pendidikan Vol. 1 No. 2 (2024): Desember : Prosiding Seminar Nasional Ilmu Pendidikan
Publisher : Asosiasi Riset Ilmu Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/prosemnasipi.v1i2.49

Abstract

The use of e-commerce in the world of trade has had a huge impact on Indonesian society, this is related to very important legal issues. The importance of legal issues in the field of E-commerce, especially in providing legal protection for consumers who carry out buying and selling transactions via the Internet. This development emerged due to offers and acceptance from the public, as evidenced by the emergence of various online stores such as Kaskus, Tokopedia, Bukalapak, Shopee and Lazada. This research aims to find out and analyze legal protection for consumers in online buying and selling transactions (e-commerce) and to find out and analyze legal remedies that can be taken by consumers if there is a default in online buying and selling transactions (e-commerce). The approach method used in this research is a normative juridical approach. The specification of this research is descriptive analysis. The data source used is secondary data, which consists of primary, secondary and tertiary law. The data collection tool is library research. The data analysis technique used is qualitative analysis. The results of this research and discussion are legal protection for e-commerce users by upholding consumer rights in accordance with Law Number 8 of 1999 concerning Consumer Protection articles 19, 20, 21, 24, and 26 and regulations related to the implementation of online buying and selling (e-commerce) and the implementation of consumer protection is also supported by involving several parties such as the government, national consumer protection bodies and non-governmental consumer protection institutions. Legal efforts that can be taken to resolve defaults in Law Number 8 of 1999 concerning Consumer Protection are litigation and non-litigation.
Co-Authors Adi Sulistiyono Adi Sulistyono Adinda Vinka Maharani Aris Surya Muzakki Bimo Kusumo Putro Indarto Damarjiwa Prawiradiharja Devarinta Hayyu Anandari Devia Fasha Prasmifta Harum Tri Nugraheni Itsna Faiqatul Himmah Jihan Asyfa Viradrian Lintang Dianing Sarastri Ardita Mohammad Dwiki Ambiya Nasywa Adinda Rahmafitria Rokhmad Faula Ruth Deta Louisa Steven Surya Santoso Tiara Iga Mandera Triyono Adi Saputro Yudho Taruna Muryanto Yudho Taruno Muryanto