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Journal : Jurnal Akta

Agreements in Online Loans and Consumer Legal Protection in Online Loan Services in Indonesia Hardyansah, Rommy; Darmawan, Didit; Negara, Dharma Setiawan
JURNAL AKTA Vol 12, No 2 (2025): June 2025
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v12i2.44593

Abstract

The rapid development of online lending services in Indonesia has a positive impact on the economy, but it also poses challenges related to legal aspects. This research aims to examine how agreements in online loans are regulated in Indonesian positive law and to analyze the legal protection provided to consumers of online loan services. This research uses normative legal research methods by analyzing various laws and regulations, legal doctrines, and relevant theories. The main focus of the research is to explore the regulation of online loan agreements, which still face various problems related to the unclear rights and obligations of the parties and the lack of transparency of information provided by service providers. In addition, this research also identifies problems related to consumer legal protection, especially in terms of supervision, misuse of personal data, and dispute resolution mechanisms that are still not optimal. The results show that although there are regulations from the Financial Services Authority (OJK), there are still many gaps that must be improved, both in the regulation of agreements and consumer protection. Therefore, this study is important to provide a deeper understanding of the role of law to maintain a balance between the development of the online lending sector and the protection of consumer rights.
Agreements in Online Loans and Consumer Legal Protection in Online Loan Services in Indonesia Hardyansah, Rommy
JURNAL AKTA Vol 13, No 1 (2026): March 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i1.44594

Abstract

The rapid development of online lending services in Indonesia has a positive impact on the economy, but it also poses challenges related to legal aspects. This research aims to examine how agreements in online loans are regulated in Indonesian positive law and to analyze the legal protection provided to consumers of online loan services. This research uses normative legal research methods by analyzing various laws and regulations, legal doctrines, and relevant theories. The main focus of the research is to explore the regulation of online loan agreements, which still face various problems related to the unclear rights and obligations of the parties and the lack of transparency of information provided by service providers. In addition, this research also identifies problems related to consumer legal protection, especially in terms of supervision, misuse of personal data, and dispute resolution mechanisms that are still not optimal. The results show that although there are regulations from the Financial Services Authority (OJK), there are still many gaps that must be improved, both in the regulation of agreements and consumer protection. Therefore, this study is important to provide a deeper understanding of the role of law to maintain a balance between the development of the online lending sector and the protection of consumer rights.
The Assessing Validity of Prima Facie Evidence in Handling the Exception of Jurisdiction in Civil Cases Negara, Dharma Setiawan; Susilo, Erwin; Darmawan, Didit; Hardyansah, Rommy; Lufsiana, Lufsiana
JURNAL AKTA Vol 13, No 1 (2026): March 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i1.48280

Abstract

The plea of lack of jurisdiction in civil cases is a procedural objection by the defendant challenging the court's authority to adjudicate. Theoretically, it does not involve substantive proof, as it precedes the case's merits. However, judicial practice often includes preliminary evidence, prompting scrutiny of its validity. This study examines the legal foundations of jurisdiction exceptions in Indonesian civil procedure and assesses the admissibility of preliminary evidence. Employing a normative juridical approach with legislative, case, and conceptual analysis, it reviews regulations like the Herzien Inlandsch Reglement (HIR), Rechtreglement voor de Buitengewesten (RBg), and Law No. 48 of 2009 on Judicial Power. Case studies of Interlocutory Decision No. 19/Pdt.Sus-Parpol/2018/PN Cbn and Decision No. 56/Pdt.G/2018/PN Cbn reveal judges accepting preliminary evidence in jurisdiction pleas. Findings indicate that, despite absent explicit rules, this practice aligns with principles of fast, simple, and low-cost justice under Article 2(4) of Law No. 48/2009. To prevent procedural delays, future regulations should restrict evidence to documents, per Positief Wettelijke Bewijstheorie. This research clarifies the legal framework for preliminary evidence in jurisdiction exceptions, enhancing civil justice efficiency in Indonesia.
Mapping Digital Asset Regulatory Models and Their Implications for Islamic Financial Governance: A Comparative Study of Indonesia, the United Arab Emirates, and Turkey Hardyansah, Rommy; Darmawan, Didit
JURNAL AKTA Vol 13, No 1 (2026): March 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i1.51396

Abstract

This literature study conducts a comparative analysis of regulatory approaches to crypto assets and Central Bank Digital Currencies (CBDCs) within Islamic financial systems in Indonesia, the United Arab Emirates (UAE), and Turkey. Employing a qualitative normative juridical analysis method, the research examines secondary data from laws, financial authority regulations, and academic literature. The findings identify three distinct regulatory governance models: Indonesia's Dual-Track with Consolidated Market Governance model, which separates monetary authority for CBDCs from market oversight for crypto commodities and establishes a Self-Regulatory Organization (SRO); the UAE's Bank-Centric Integration with Centralized Licensing model, actively incorporating digital assets into the traditional banking supervisory framework; and Turkey's Payment Restriction with Supervised Trading model, prohibiting crypto for payments while permitting regulated exchange trading, with a cautious, phased CBDC development. The study reveals varied mechanisms for integrating Shariah principles, from structured compliance standards in exchanges to facilitating halal product innovation within integrated banking ecosystems and emphasizing macroeconomic prudence as a form of wealth protection (hifz al-mal). The research concludes that while convergence exists on goals of stability, consumer protection, and Anti-Money Laundering/Combating the Financing of Terrorism (AML/CFT), the divergence in integration levels and regulatory philosophy significantly shapes the future trajectory of modern, inclusive, and integrity-driven Islamic financial systems in the digital age. These models offer valuable policy pathways for other Muslim-majority jurisdictions navigating the complex intersection of financial technology innovation and Shariah compliance.
Co-Authors Abd Raid Sopalatu Abdul Hafidz Rosydi Fuady Abdullah Ilmi Achmad Nur Rofiuddin Ade Riyanto Adelia Rahayu, Misye Adi Herisasono Afandi, Mohammad Hangga Afandi, Muhammad Nashrulloh Agung Satryo Wibowo Ahmad Muhammad Ramadhan Ainun Najih, Farihah Aji Arianto Aji Prasetyo, Bambang Aka Romli, Rido'i Al Farochi, Mohammad Naufal Alfi Akhsanul Haq Alfina Rahma Ali, Stendy Allifia Hariaji Alvina Safitri, Alvina Alvisalwa Andientya Dicha Putri Amalia Salsabilla Amir Bandar Abdul Majid Anggi Windra Kusuma Ardica Karunia Pradana Arif Rachman Putra Arif Rachman Putra Asis, Larasati Fitriani Atmari Atmari Azzania, Milda Bambang Aji Prasetyo Bayhaqi, Hasmi Nur Billy Sasmita Budiantoro, Totok Bushtomy, Mochammad Alif Catur Rizky, Muchamad Chamim, Nur Christina Shintya Hapsari Cilda Thesisa Ilmawan Dzinnur Cilda Thesissa Dzinnur Deny Pratika Deny Pratika Desak Gede Sri Baktiasih Dewi Sekar Arum Dharma Setiawan Negara Diah Tri Novitaningrum Didit Didit Darmawan Dipaajiblana Dirgantara, Febrian Dwi Sriwidadi Dwi Yuliana Pertiwi EKO WAHYUDI El-Yunusi, Muhammad Yusron El-Yunusi, Muhammad Yusron Maulana Eli Masnawati Evendi, Wakid Farid, Mohamad Farihah Ainun Firda Nuriyah Firmanto, Ruddy Gautama, Elly Christanty haiba, Moch Fairuz Fahrezi Al Halimatus Sa’diyah, Siti Halizah, Siti Nur Hamzanwadi, Hamzanwadi Handayani , Budi Handayani, Budi Haniyah, Haniyah Hariani, Mila Hendrianto Udjari Herisasono, Adi Heriyana Amir Herningtyas, Tuti Ikhwanuddin Ikhwanuddin Ilmi, Ichyaul Irfansyah, Muhammad Fajar Ishtifaiyyatul Qudsi Issalillah, Fayola Istiqomah, Mirabel Nabila Iye, Risman Izyan, Ahmad Rafi Faisal J, Jahroni Jahroni Jahroni jahroni Jahroni, Jahroni Jakariya, Jakariya Jauhari, Muhammad Alvin Jawahir, Achmad Bahrul Karunia, Ardica Keisha Farellia Putri Lindra Khairunnisa Salsabila Putri Prameswari Khayru, Rafadi Khan Khoir, Salwa Putri Khoirotun Nisa’ Laila Badriyah Laili Mas Ulliyah Hasan Laisyah, Pingki Aurel Lufsiana, Lufsiana Lulun Muthoharoh, Siti M. Ridwan Mahfud Mahfud Mahmudi, Adira Devina Majid , Amir Bandar Abdul Maria Widya Wanti Marsal, Antonino Pedro Masfufah Maulida Nur Fadhilah Maulidia Ilham Fadilah Maytita Tri Hardiyanti MIFTAKHUL JANNAH Miftakhul Jannah Misbachul Munir Moch. Fairuz Fahrezi Al Haibah Moch. Reno Mochamad Irfan, Mochamad Mochammad Hasan Sidqi Moh Syaiful Anwar Mohamad Fajar Kurniawan, Mohamad Fajar Mohamad Farid Mohamad, Yusran Mohammad Djaelani Mohammad Naufal Al Farochi Mohammad Nuril Azizi Mohammad Rasikhul Islam Muas Mubarak Muchamad Catur Rizky Muchammad Catur Rizky Muhammad Catur Rizky Muhammad Nabil Akmal Muhammad Sultan Sahputra Muhammad Yusron Maulana El-Yunusi Muhammad Zakki Mujia Yahdillah Mujito Mujito Mujito Mujito Mujito, Mujito Mustafa, Abraham Reyhand Mustaqim, Diego Fathqurahman Mu’id, Mahesa Dzulsyafiqri Nadifa Salsabilah Nazla Rohma, Yonika Negara, Dharma Setiawan Nelud Daraajatul Aliyah Ni’am, Muhammad Choirun Noor, Alpat Novritsar Hasintongan Pakpahan Novritsar Hasitongan Pakpahan Nunik Hidayati Nur Kholis, Khoirul Nur Sa'adatut Daraini Nur Sa’adatut Daraini Nuraini, Reny Nurul Arifin Nurul Fitria Nurul Masithoh Nurul Safitri Nurul Taqwa Onggo Dwi Pracoyo Osean, Ricard Pakpahan, Novritsar Hasitongan Prafita Fardhany Aslam Pratolo Saktiawan Putra , Arif Rachman Qurrota Ayun, Dewi Rachmadhani Muchtar, Nabilah Rachman Putra, Arif Rafadi Khan Khayru Rafi Ilham Ramadhan Rafida Febriana Widya Putri Rahayu Mardikaningsih Rahayu Mardikaningsih Rahayu, Misye Adelia Rahma, Alvina Rekha Widiawati Reny Nuraini Retnowati, Eli Rezza, Muhammad Ricy Ichlas Sutrisno Ridwan Rahmawan Rio Saputra Riyanto, Ade Rizal Muhaimin Rizky, Catur Rizky, Muchamad Catur Rizma Melina Oktabian Alifani Rusianto, Rusianto Saktiawan , Pratolo Saktiawan, Pratolo Salsabilah, Nadifa Salwa Sabrina samsul arifin Samsul Arifin Sandya Hilana Aisyah Saputra, Rio Sarwo Waskito Sasmiwati, Desi Satryo Wibowo, Agung Sa’diyah, Siti Halimatus Seno Anjanarko, Tri Setiawan, Dio Wahyu Shakilla Fajri Angelina Sholichah, Laila Fitriyatus Sisminarnohadi Siti Nur Halizah Siti Nur Halizah Solchan Ghozali Sopalatu, Abd Raid Sudja, Sudja Sudjai Sudjai Sudja’I Sugeng Riyadi Sulaksono, Sulaksono Sulani, Sulani Sumito, Sumito Sunoto Sunoto Surahmah, Surahmah Susilo, Erwin Sustian Alfina Suwito SUWITO SUWITO Suwito Suwito Suyuti, Mahmud Tamaulina Br Sembiring Taqwa, Nurul Tegar Sasario Pamungkas Terubus Terubus Tuhuteru, Justian Stanley Udjari, Hendrianto Utama, Cornelia Yashela Vicky Yoga Satria Vitrianingsih, Yeni Wakid Efendi Wakid Evendi Wibowo, Agung Satryo Wijaya, Kurnia Yayu Sriwahyuni Hamzah Yeni Vitrianingsih Yonika Nazla Rohma Yuliani Yuliani Yulianis, M. Sifa Fauzi Yulius, Andre Zakki, Muhammad Zulfa Aji Rani Isnuitama