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All Journal Jurnal Christian Humaniora Jurnal Perspektif Hukum
Siagian, Asman
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Religion Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS REGULASI PINJOL PADA SENGKETA KONSUMEN YANG BERBASIS KEADILAN Siagian, Asman; Rahmadany, Rahmadany; Istiawati, Sri
Jurnal Perspektif Hukum Vol. 5 No. 2 (2024): Desember 2024
Publisher : Universitas Harapan Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35447/jph.v5i2.1067

Abstract

This study analyzes online lending regulations (pinjol) in the context of justice-based consumer dispute resolution in Indonesia. The increasing number of consumer dispute cases in the financial technology (fintech) lending industry, especially online loans, shows a gap between existing regulations and their implementation in the field. Using a normative legal research method with a statutory and conceptual approach, this study aims to analyze the effectiveness of pinjol regulations in resolving consumer disputes and identify aspects that need to be strengthened to create a more equitable dispute resolution. Data were collected through literature studies and analysis of regulatory documentation related to pinjol and consumer protection. The results of the study indicate that existing pinjol regulations have not been fully able to provide optimal protection for consumers in resolving disputes. There are three main findings that are the main points that need to be highlighted: (1) there is still a lack of clarity regarding effective and efficient dispute resolution mechanisms, (2) weak supervision of unethical collection practices, and (3) lack of harmonization of regulations between relevant authorities in handling pinjol consumer disputes. This study recommends the need to strengthen regulations through: improving dispute resolution mechanisms, increasing supervision, and harmonization of regulations between relevant institutions. The theoretical implications of this study contribute to the development of a fintech regulatory concept that is more oriented towards consumer protection, while its practical implications provide input for policy makers in perfecting more equitable online loan regulations that favor the wider community.
Implikasi Hukum Perkawinan Bagi Umat Beragama Nasrani yang Perkawinannya Tidak Dicatatkan di Kantor Catatan Sipil (Studi Penelitian di Gereja Bethel Indonesia Jemaat Gosyen Lubuk Pakam) Sirait, Elisabet; Bintang, Hasdiana Juwita; Siagian, Asman
Jurnal Christian Humaniora Vol 9, No 2 (2025): November
Publisher : Institut Agama Kristen Negeri Tarutung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46965/jch.v9i2.2716

Abstract

Marriage that is not officially registered with the Civil Registry Office remains a serious legal issue, particularly among Christian communities in Indonesia. Although such marriages are considered religiously valid through church blessings, their lack of state registration gives rise to various legal implications, especially concerning the legal status of children, inheritance rights, and legal protection for the spouses. This study aims to conduct an in-depth analysis. In this regard, the discussion focuses on the legal impacts on the status of children, limitations on inheritance rights, obstacles in obtaining administrative documents, and uncertainty in determining the status of marital property, with a particular focus on the case study of the congregation of the Bethel Church of Indonesia, Gosyen Lubuk Pakam. The research employs a qualitative method with a case study approach, combining primary data collected through interviews with church leaders and couples whose marriages are unregistered, as well as direct observations of church activities. Secondary data is drawn from legal literature and regulations, such as Law No. 1 of 1974 in conjunction with Law No. 16 of 2019 on Marriage, Constitutional Court Decision No. 46/PUU-VIII/2010, and Supreme Court jurisprudence related to the legal status of children and inheritance rights. The findings indicate that unregistered marriages have broad impacts on the legal standing of children, restrictions on inheritance rights, and limited access to administrative services such as birth certificates and social security. Furthermore, the absence of registration also creates uncertainty in determining the status of marital property.
Co-Authors Bintang, Hasdiana Juwita Istiawati, Sri Rahmadany, Rahmadany Sirait, Elisabet