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All Journal IBLAM Law Review Humaniorum Journal
Utama, Erry Praditya
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Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science

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Journal : Humaniorum Journal

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Analisis Yuridis mengenai Aspek Perlindungan Konsumen yang Berkeadilan dalam Studi Kasus Wanprestasi terhadap Developer dalam Kasus Jual Beli Properti Arrasyid, Muhammad Zaidan; Utama, Erry Praditya
HUMANIORUM Vol 3 No 2 (2025): Jurnal Humaniorum
Publisher : PT Elaborium Elevasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37010/hmr.v3i2.72

Abstract

This research focuses on discussing the phenomenon that occurs in the rise of cases of default by property developers regarding property buying and selling transactions. This case raises various legal and social problems for people in Indonesia, including having a detrimental impact on buyers or consumers. That the case of Default by the Developer is based on the Developer's incompetence, such as the Developer's inability or failure to fulfill its promises or obligations in completing the housing project, the quality of the building, or the legality of the land/there is a land dispute between the developer and another party. The normative juridical method with a descriptive analytical approach results in the conclusion that consumer protection regulations and sanctions for default have been established, but the consumer protection aspect has not met justice for consumers, therefore it is recommended to apply appropriate sanctions, reimbursement of all costs, increase supervision of developers, and increase the role BPSK.
Perlindungan Hukum yang Berkeadilan bagi Debitur atas Penerapan Kolektibilitas oleh Bank dalam Penggunaan Kartu Kredit Haryanto, Herri; Utama, Erry Praditya
HUMANIORUM Vol 4 No 1 (2026): Jurnal Humaniorum
Publisher : PT Elaborium Elevasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37010/hmr.v4i1.152

Abstract

This study discusses fair legal protection for debtors in the context of the application of collectibility in credit card usage in Indonesia. In practice, the collectibility method often has negative impacts on debtors, particularly in determining credit status and in debt collection practices that may exceed reasonable limits. The author analyzes the theories and legal frameworks governing credit card collectibility as well as the principles of justice in the protection of debtor consumers. The research employs a normative approach through literature studies of laws and legal doctrines. The findings show that the implementation of collectibility must prioritize the principles of fairness and proportionality so that the rights of debtors are not unilaterally harmed. The study recommends the improvement of regulations and the development of a more responsive and equitable dispute resolution mechanism for credit card debtors in default in Indonesia. It also emphasizes the need for state involvement, particularly through the Financial Services Authority (OJK), to play an active role in facilitating dialogue between creditors and defaulting debtors to find fair and effective solutions regarding collectibility.
Co-Authors Arrasyid, Muhammad Zaidan Bangun, Cendera Rizky Haryanto, Herri