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Law, Crime, Criminology & Criminal Justice

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Debtor Protection If Online Loan Crime Occurs Fenny Kodradjaja; Vieta Ilmelda Cornelis; Sri Astutik
Ipso Jure Vol. 2 No. 2 (2025): Ipso Jure - March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/qr8ks966

Abstract

Popular peer-to-peer lending fintech is also called online lending. As an innovation in the financial sector, online loans offer financial assistance to people in need and applying for loans is quite easy. Online lenders as financial service providers are regulated by the Financial Services Authority, which is an institution legally authorized to regulate, supervise, audit and investigate the financial services sector. However, in practice, online loan management in Indonesia often causes problems even though it is regulated and supervised by the OJK. These problems are related to personal data breaches, resolving intimidation, and several other problems. The purpose of this research is to find out what the legal regulations for online loans are in Indonesia and what legal protection is given to borrowers who make online loans through legal regulations in order to avoid problems related to online loans. This research uses normative legal research methods, the approach used is a legal approach. The results of this research show that the basis for regulating online loans is in OJK Regulation Number 10/POJK.05/2022 concerning Technology-Based Community Financing Services. The legal protection for online borrowers is divided into preventive protection, namely protection against criminal acts, and contains prohibitions on online borrowing. And law enforcement protection to resolve disputes that arise, support through out-of-court dispute resolution tools, the Alternative Financial Services Sector Dispute Resolution Institute (LAPS SJK) and legal defense of debtor interests by assisting in the initiation of legal efforts
Legal Protection For Deep Vendors Procurement Of Government Goods And Services Stefanus Budi Juwono; Sri Astutik; Vieta I Cornelis
Ipso Jure Vol. 2 No. 2 (2025): Ipso Jure - March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/5y4kqx57

Abstract

The procurement of goods/services for government purposes is one of the instruments driving the economy; therefore, budget absorption through procurement is crucial. However, no less important is the implementation of effective, efficient, and economical procurement to maximize the benefits of budget utilization. This research is normative and employs a statutory approach. The data analysis method used is descriptive qualitative, in which data is presented descriptively and analyzed qualitatively. This study focuses on legal protection for goods/services providers in procurement agreements. Such legal protection is regulated under Article 85 of Presidential Regulation No. 12 of 2021, which establishes mechanisms for contract dispute resolution through dispute resolution services, arbitration, the Construction Dispute Board, or court proceedings. In the era of Disruption 4.0 and the challenges of VUCA (Volatility, Uncertainty, Complexity, Ambiguity), the government encourages the involvement of the private sector and society through e-purchasing via electronic catalogs. E-procurement serves as a solution to improving the efficiency of national financial management. Disputes arising from defaults in government procurement of goods/services may result in administrative sanctions or civil lawsuits, as stipulated in Presidential Regulation No. 12 of 2021.
Debtor Protection If Online Loan Crime Occurs Fenny Kodradjaja; Vieta Ilmelda Cornelis; Sri Astutik
Ipso Jure Vol. 2 No. 2 (2025): Ipso Jure - March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/qr8ks966

Abstract

Popular peer-to-peer lending fintech is also called online lending. As an innovation in the financial sector, online loans offer financial assistance to people in need and applying for loans is quite easy. Online lenders as financial service providers are regulated by the Financial Services Authority, which is an institution legally authorized to regulate, supervise, audit and investigate the financial services sector. However, in practice, online loan management in Indonesia often causes problems even though it is regulated and supervised by the OJK. These problems are related to personal data breaches, resolving intimidation, and several other problems. The purpose of this research is to find out what the legal regulations for online loans are in Indonesia and what legal protection is given to borrowers who make online loans through legal regulations in order to avoid problems related to online loans. This research uses normative legal research methods, the approach used is a legal approach. The results of this research show that the basis for regulating online loans is in OJK Regulation Number 10/POJK.05/2022 concerning Technology-Based Community Financing Services. The legal protection for online borrowers is divided into preventive protection, namely protection against criminal acts, and contains prohibitions on online borrowing. And law enforcement protection to resolve disputes that arise, support through out-of-court dispute resolution tools, the Alternative Financial Services Sector Dispute Resolution Institute (LAPS SJK) and legal defense of debtor interests by assisting in the initiation of legal efforts
Legal Protection For Deep Vendors Procurement Of Government Goods And Services Stefanus Budi Juwono; Sri Astutik; Vieta I Cornelis
Ipso Jure Vol. 2 No. 2 (2025): Ipso Jure - March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/5y4kqx57

Abstract

The procurement of goods/services for government purposes is one of the instruments driving the economy; therefore, budget absorption through procurement is crucial. However, no less important is the implementation of effective, efficient, and economical procurement to maximize the benefits of budget utilization. This research is normative and employs a statutory approach. The data analysis method used is descriptive qualitative, in which data is presented descriptively and analyzed qualitatively. This study focuses on legal protection for goods/services providers in procurement agreements. Such legal protection is regulated under Article 85 of Presidential Regulation No. 12 of 2021, which establishes mechanisms for contract dispute resolution through dispute resolution services, arbitration, the Construction Dispute Board, or court proceedings. In the era of Disruption 4.0 and the challenges of VUCA (Volatility, Uncertainty, Complexity, Ambiguity), the government encourages the involvement of the private sector and society through e-purchasing via electronic catalogs. E-procurement serves as a solution to improving the efficiency of national financial management. Disputes arising from defaults in government procurement of goods/services may result in administrative sanctions or civil lawsuits, as stipulated in Presidential Regulation No. 12 of 2021.
Co-Authors Fenny Kodradjaja Stefanus Budi Juwono Vieta I Cornelis Vieta Ilmelda Cornelis