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All Journal IJGIE (International Journal of Graduate of Islamic Education) JURNAL ILMIAH EDUKATIF Indonesian Journal of Education (INJOE) Journal International Journal of Teaching and Learning (INJOTEL) Prosiding Seminar Nasional Indonesia
Rengga Yudha Santoso
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Religion Humanities Education Environmental Science Mathematics Social Sciences Other

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Journal : Prosiding Seminar Nasional Indonesia

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DARI KECEPATAN KE KEAMANAN: EVOLUSI PINJAMAN ONLINE DAN PERLINDUNGAN KONSUMEN DI INDONESIA Rengga Yudha Santoso; Ajeng Ratri Kirana Dewi
Prosiding Seminar Nasional Indonesia Vol. 3 No. 1 (2025): Prosiding Seminar Nasional Indonesia
Publisher : CV. Adiba Aisha Amira

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The rapid development of financial technology (fintech) in Indonesia has significantly transformed the landscape of digital financing, particularly through online lending (peer-to-peer lending). These platforms provide quick and convenient access to funds, especially for underbanked segments, but also create new risks such as high interest rates, unethical collection practices, and misuse of personal data. This study aims to analyze the evolution of online lending services from a focus on speed toward security, and to examine the effectiveness of regulatory frameworks and consumer protection in Indonesia. A qualitative literature review method was employed, drawing from Scopus-indexed journals, Financial Services Authority (OJK) regulations, Law No. 27/2022 on Personal Data Protection, and international policy reports. The findings reveal that OJK Regulation No. 10/POJK.05/2022 has strengthened governance standards, interest rate caps, and consumer protection mechanisms; however, challenges remain in supervising illegal platforms, ensuring cost transparency, and improving digital financial literacy. In conclusion, the evolution of Indonesia’s online lending sector reflects a shift from speed-driven innovation to security and sustainability, where effective consumer protection relies on robust regulation, inter-agency coordination, and public awareness. Policy recommendations include enhancing technology-based supervision (regtech), expanding financial literacy programs, and conducting impact evaluations of existing regulations on consumer welfare.
KAJIAN PUSTAKA TENTANG HUKUM ADAT SEBAGAI SUMBER HUKUM TIDAK TERTULIS DAN PENGARUHNYA TERHADAP TATA NILAI SOSIAL Rengga Yudha Santoso; Dea Valentina
Prosiding Seminar Nasional Indonesia Vol. 3 No. 1 (2025): Prosiding Seminar Nasional Indonesia
Publisher : CV. Adiba Aisha Amira

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This study aims to analyze the existence of customary law as an unwritten legal source and its influence on the social value system within Indonesian society. Using a qualitative approach and a systematic literature review design, this research identifies and reviews Scopus-indexed and reputable scholarly literature discussing living law, legal pluralism, and social norms embedded in customary communities. The findings reveal that customary law functions as a living law rooted in cultural values and collective beliefs, playing a significant role in shaping social norms, maintaining harmony, and strengthening community cohesion. Compliance with customary law is moral and social in nature, driven by collective awareness and cultural legitimacy rather than formal sanctions. Furthermore, customary law embodies social values such as mutual cooperation, deliberation, and communal justice, serving as the moral foundation of society. However, its existence faces challenges from the dominance of positive law and modernization; thus, a legal pluralism approach is needed to acknowledge normative diversity and integrate customary law into the national legal system. This study emphasizes the importance of recognizing customary law within national legal policy to build an inclusive, contextual, and socially just legal system.
Co-Authors Ajeng Ratri Kirana Dewi Al-Amin Anif Istianah Danar Widiyanta Dea Valentina Iyad Abdallah Al- Shreifeen Judijanto, Loso LENSI MEGAH RETTA Loso Judijanto M. Syarif Mansur, Ali Puspita Dian Agustin Suhana Sarkawi Tiara Ramadhani Yena Sumayana