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All Journal Jurnal Pengabdian Masyarakat Asia International Journal for Advanced Research
Juliya Maria
Universitas Battuta
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Legal Participatory Legal Counseling to Realize Sei Mencirim Village as a Region Free of Violence against Women and Children Junaidi Lubis; Tika Rohani Zega; Delina Giawa; Alexius Saroniat Harefa; Juliya Maria
Jurnal Pengabdian Masyarakat Vol. 7 No. 1 (2026): Jurnal Pengabdian Masyarakat
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpm.v7i1.2999

Abstract

Purpose: Violence against women and children in Indonesia's rural areas is frequently concealed by cultural normalization and limited access to formal legal tools. Method: This legal counseling activity was carried out in Sei Mencirim Village, Sunggal District, Deli Serdang Regency, The approach method used is counseling involving village officials, community leaders, women and the surrounding community by conducting discussions and questions and answers in accordance with the conditions of the village community. Practical Applications: Practically, this social transformation is realized through the establishment of Village Movement Cadres who actively engage in micro-sharing, safe zone mapping, and enhancing the national complaint channel, as evidenced by real case reports submitted via SAPA 129 after the activities. Conclusion: This study enhances the PAR methodology by translating formal law into local language and empowers rural Indonesian communities as active legal agents.
Legal Protection for Fintech Consumers Trapped in Debt Due to High Interest (Illegal Loans) Chairus Suryati; Debi Masri; Leni Indrayani; Juliya Maria; Sattar Rasul
International Journal For Advanced Research Vol. 2 No. 1: June 2025
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/m0wm7x59

Abstract

The rapid development of financial technology (fintech) has increased public access to financial services, especially through online lending platforms. However, this advancement also brings significant legal challenges, particularly in consumer protection. Many individuals have become trapped in debt due to exorbitant interest rates imposed by illegal lenders operating without official licenses and often engaging in abusive collection practices. This research aims to analyze the legal protection available to fintech consumers victimized by illegal high-interest lending and to evaluate the effectiveness of existing regulations, including POJK 77/2016 and other consumer protection frameworks. The study employs a normative juridical approach with qualitative analysis of legislation, court decisions, and case studies. The findings reveal that the current legal framework is insufficient in providing both preventive and repressive protection for consumers. Weak oversight of illegal fintech operators and low financial literacy among the public are key factors behind the ineffectiveness of consumer protection. Regulatory reform, stricter law enforcement, and public education are urgently needed to ensure comprehensive protection for fintech consumers.
Co-Authors Alexius Saroniat Harefa Chairus Suryati Debi Masri Delina Giawa Junaidi Lubis Leni Indrayani Sattar Rasul Tika Rohani Zega