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PERLINDUNGAN HUKUM TERHADAP KORBAN DESK COLLECTOR FINTECH ILEGAL Ni Putu Ratnayutika; Nikmatul Keumala Nofa Yuwono; Ana Laela Fatikhatul Choiriyah; Tri Dharma Putra
Lex Et Lustitia Vol. 1 No. 2 (2024): Desember
Publisher : Universitas Moch. Sroedji

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70079/lel.v1i2.69

Abstract

Perkembangan teknologi informasi telah mendorong munculnya layanan pinjaman online sebagai alternatif keuangan bagi masyarakat Indonesia. Pinjaman online, terutama melalui fintech seperti peer-to-peer (P2P) lending dan payday loans, menawarkan kemudahan akses dan kecepatan pencairan dana. Namun, maraknya penyalahgunaan layanan pinjaman online ilegal menimbulkan berbagai permasalahan, termasuk ancaman terhadap privasi data pribadi pengguna, pelanggaran hukum, dan praktik penagihan yang tidak etis. Studi ini menganalisis regulasi yang berlaku, seperti POJK No. 77/POJK.01/2016 dan POJK No. 13/POJK.02/2018, yang bertujuan melindungi konsumen dan menegakkan transparansi dalam layanan fintech. Selain itu, ancaman penyebaran data pribadi yang dilakukan oleh pinjaman online ilegal dan tindakan arogansi debt collector menjadi sorotan utama. Beberapa kasus menunjukkan penyalahgunaan data pribadi untuk intimidasi, pencemaran nama baik, hingga pelanggaran hak asasi manusia. Regulasi terkait, termasuk UU ITE dan RUU Perlindungan Data Pribadi, masih dianggap belum memadai untuk menangani pelanggaran data secara rinci. Kajian ini merekomendasikan penguatan regulasi perlindungan data pribadi, pengawasan lebih ketat oleh OJK, dan pengenalan sanksi yang lebih tegas bagi pelaku pelanggaran. Studi ini memberikan wawasan mengenai pentingnya perlindungan hukum terhadap konsumen layanan fintech dan urgensi perbaikan regulasi di Indonesia.
THE TRANSFORMATION OF WOMEN'S ROLES IN PARLIAMENT: BETWEEN EMANCIPATION AND UPHOLDING HUMAN RIGHTS (CASE STUDY IN BANYUWANGI REGENCY) Eka Lestari; Nikmatul Keumala Nofa Yuwono; Etis Cahyaning Putri
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 5 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v5i6.4261

Abstract

This study explores the transformation of women's roles in Indonesia's parliamentary institutions, focusing on the intersection between women's emancipation and human rights enforcement at the local level, with Banyuwangi Regency as a case study. The research analyzes how gender equality principles—enshrined in international conventions such as CEDAW and Indonesia's national legislation—are reflected in the political representation and policy contributions of female members of the Banyuwangi Regional People's Representative Council (DPRD). Employing a qualitative descriptive approach, data were collected through document analysis, interviews with female legislators and human rights activists, and secondary data from the General Election Commission (KPU) and the National Commission on Violence Against Women (Komnas Perempuan). The findings indicate that while women's representation in Banyuwangi DPRD has increased following the national 30% gender quota policy, substantive advocacy for women's rights and gender equality remains constrained by patriarchal norms, limited political resources, and institutional barriers. The study concludes that gender transformation in local parliaments like Banyuwangi is ongoing, reflecting both progress and persistent inequality in realizing women's political emancipation and human rights protection.