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Helfira Citra
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Perlindungan konsumen Dalam Perdagangan Elektronik (e-commerce) Satrio Dana, Haris; Baginda Akbar Edison; Halim Darajat; Helfira Citra
Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan | E-ISSN: 3089-7084 Vol. 1 No. 1 (2024): Desember 2024
Publisher : GLOBAL SCIENTS PUBLISHER

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Penelitian ini membahas tantangan perlindungan konsumen dalam konteks perdagangan elektronik (e-commerce) di Indonesia. Pertumbuhan perdagangan digital yang pesat telah membawa peluang sekaligus kompleksitas dalam melindungi hak-hak konsumen. Teknik pengumpulan data dalam penelitian ini dilakukan melalui studi dokumen, di mana peneliti mengumpulkan dan menelaah berbagai dokumen resmi, seperti teks undang-undang, peraturan pemerintah, dan dokumen hukum lainnya yang relevan. Selain itu, data sekunder dari artikel, jurnal, dan buku yang membahas perlindungan konsumen dan e-commerce juga dikumpulkan untuk memberikan konteks dan mendukung analisisMelalui pendekatan metode campuran yang menggabungkan analisis kualitatif, survei, dan wawancara, penelitian ini mengidentifikasi tantangan-tantangan konsumen, menilai efektivitas undang-undang perlindungan yang ada, dan mengajukan rekomendasi untuk kerangka kerja perlindungan konsumen yang tangguh di era digital.
Peran Notaris Dalam Pendirian Yayasan: Pentingnya Pengesahan Dan Keabsahan Hukum Puti Annisa Erwan; Fitri Dwi Nurmaliza; Rahma Yulia; Helga Putri Dahayu; Riri Wardayani; Helfira Citra
Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan | E-ISSN: 3089-7084 Vol. 1 No. 2 (2025): Januari - Maret
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Peran notaris dalam pendirian yayasan sangat vital, terutama dalam memastikan proses pendirian dan operasional yayasan sesuai dengan ketentuan hukum yang berlaku. Notaris tidak hanya berfungsi sebagai saksi otentik dalam pembuatan akta pendirian, tetapi juga bertanggung jawab dalam memastikan bahwa akta tersebut memenuhi syarat administratif dan substantif yang diatur oleh peraturan perundang-undangan. Dalam hal ini, pengesahan oleh notaris memberikan kepastian hukum mengenai keabsahan yayasan sebagai entitas hukum yang sah di mata negara. Proses pengesahan ini mencakup pembuatan akta pendirian yang memuat tujuan, struktur organisasi, serta aturan dasar yayasan, yang selanjutnya diajukan kepada Kementerian Hukum dan HAM untuk memperoleh pengesahan. Tanpa pengesahan ini, yayasan tidak dapat beroperasi secara sah dan menghadapi risiko permasalahan hukum di kemudian hari. Notaris juga berperan dalam memberikan penjelasan terkait peraturan perundang-undangan yang relevan dengan pendirian yayasan, termasuk UU Yayasan dan peraturan lainnya. Oleh karena itu, kehadiran notaris dalam pendirian yayasan sangat penting guna menjamin kepastian hukum, menghindari potensi konflik di masa depan, dan mendukung tujuan sosial yang ingin dicapai oleh yayasan tersebut. Dengan peran yang jelas dan profesional, notaris membantu menciptakan fondasi hukum yang kuat bagi keberlanjutan yayasan.
Implementasi Undang-Undang Perlindungan Konsumen Dalam Transaksi Elektronik Rahma Yulia; Riri Rardayani; Helfira Citra
Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan | E-ISSN: 3089-7084 Vol. 1 No. 4 (2025): Juli - September
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There is a new feature in the trading system due to the rapid advancement of information technology. After several years, transactions are increasingly being carried out in Indonesia using online media. Sometimes, online sales transactions use social media platforms such as Facebook or mobile phones as a means of communication. This internet-based business model also applies to virtual systems, stores and virtual companies where business actors run their businesses and trade through the internet and no longer rely on real conventional company businesses. The formulation of the problem is 1) Implementation of Law Number 8 of 1999 concerning consumer protection in electronic transactions in Indonesia, 2) The role of the government in supervising and enforcing consumer protection in digital transactions of the Consumer Protection Agency in Indonesia. To answer these problems, a type of normative juridical research is used, namely a method of data collection that involves understanding and studying theories from various literature sources that are relevant to the research. 1. Consumer protection is an important part of the legal system that strengthens the bond between consumers and business owners, in order to protect consumer rights in the consumption of goods and services. Regulation Number 8 of 1999 concerning Consumer Protection (UUPK) is the main legal basis 2. Consumer Protection Institutions in Indonesia have an important role in protecting consumer rights from injustice in transactions of goods and services. One of the main organizations is the Consumer Dispute Resolution Agency (BPSK), which was established as an alternative to the official courts for the courts.
Tinjauan Hukum Perlindungan Konsumen terhadap Praktik Pengumpulan dan Penggunaan Data Pribadi oleh Pelaku Usaha Rahmad Adip Rizki Perdana; Abid Aulia Hilmi; Helfira Citra
Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan | E-ISSN: 3089-7084 Vol. 1 No. 4 (2025): Juli - September
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Due to the advancement of information technology, businesses are increasingly relying on consumer privacy data as a critical component of their digital operations. However, the process of collecting and using private data by businesses frequently violates consumers' privacy. The purpose of this research is to examine Indonesian legal practices regarding consumer privacy protection in the digital business sector. Yuridis normatif is the method used, which involves examining many laws, such as the Rancangan Undang-Undang Perlindungan Data Pribadi (RUU PDP), the Undang-Undang Perlindungan Konsumen, and the Undang-Undang Informasi dan Transaksi Elektronik (ITE). The study's findings indicate that as of right now, undang-undang does not provide consumers with comprehensive protection.
Perlindungan Konsumen Terhadap Kerugian Akibat Skimming dan Kebocoran Data di Bank Ria Yusnita; Lydia Aprilia Pritiwi; Helfira Citra
Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan | E-ISSN: 3089-7084 Vol. 1 No. 4 (2025): Juli - September
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This research analyzes how Indonesian consumers are protected from financial losses due to cybercrimes like card data theft (skimming) and personal information breaches within the banking sector. Given the rise of such incidents, we examine the relevant legal framework, specifically the Consumer Protection Law and OJK (Financial Services Authority) regulations, to understand their effectiveness in safeguarding customers. The primary focus of this study is to investigate exoneration clauses often found in agreements between banks and customers, which potentially limit the bank's liability when these incidents occur. Using a normative approach, we also identify existing dispute resolution processes and various challenges consumers face when filing claims. We anticipate that the findings of this study will yield concrete recommendations to strengthen regulations, enhance bank operational transparency, and educate consumers, ultimately contributing to a safer and fairer banking system.
Mengulas Regulasi Mengenai Keamanan Data Pribadi Konsumen Dalam Kegiatan Jual Beli Online Nadia Rahma Fitri; Fitri Dwi Nurmaliza; Helfira Citra
Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan | E-ISSN: 3089-7084 Vol. 1 No. 4 (2025): Juli - September
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The advancement of information technology has significantly increased online buying and selling (e-commerce) activities, but it has also raised issues regarding the protection of consumers' personal data. This journal discusses the legal regulations governing the security of personal data in online transactions and the responsibilities of business actors in safeguarding such data. The research uses a normative juridical approach by analyzing various laws and regulations, including Law No. 8 of 1999 on Consumer Protection, the Electronic Information and Transactions Law (ITE Law), and Law No. 27 of 2022 on Personal Data Protection. The findings reveal that although several regulations provide rights and protection for consumers' personal data, there remains a legal gap concerning the specific responsibilities of e-commerce operators. Personal data protection in e-commerce requires transparency, clearly defined legal accountability, and standardized privacy policies. Therefore, regulatory harmonization and increased legal awareness among business actors and consumers are essential to ensure the optimal protection of consumer rights in the digital era.
Perlindungan Konsumen terhadap Fintech Lending dan Penagihan Tidak Etis Fiqhi Dzahabi; Edo Nugraha; Helfira Citra
Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan | E-ISSN: 3089-7084 Vol. 1 No. 4 (2025): Juli - September
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The rapid advancement of information technology has significantly transformed global civilization, including the financial sector through the emergence of Financial Technology (fintech). One of the most widely used forms of fintech in Indonesia is Peer-to-Peer (P2P) Lending, which offers easy access to financing without collateral through digital platforms. However, this rapid growth has also raised new challenges, particularly regarding consumer protection. This study employs a normative juridical approach with descriptive-analytical specifications to examine the legal framework for consumer protection in P2P Lending services. The findings reveal that although the Electronic Information and Transactions Law (ITE Law) does not explicitly regulate fintech lending, various regulations such as OJK Regulation No. 77/2016, No. 13/2018, and No. 06/2022 provide legal protection through both preventive and repressive measures. Furthermore, the enforcement of administrative and criminal sanctions against illegal fintech operators is essential, along with the reinforcement of the principle of good faith in debt collection practices. Thus, a more comprehensive and stringent regulatory framework is needed to ensure legal protection, personal data security, and consumer confidence in P2P Lending services.
Perlindungan Hukum Bagi Konsumen Dalam Transaksi Jual Beli Online (E-Commerce) Agung Maghfira Mubila; Ikhsan Fadillah; Helfira Citra
Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan | E-ISSN: 3089-7084 Vol. 1 No. 4 (2025): Juli - September
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The development of digital technology has transformed the consumption patterns of modern society by introducing an internet-based trade system known as e-commerce. This transaction model provides ease and speed in the buying and selling process, but it also harbors various risks for consumers. Consumers are often harmed by the actions of irresponsible business actors, such as the delivery of goods that do not match, delays, and even fraud. This study aims to analyze the legal protection of consumers in e-commerce transactions based on the applicable laws and regulations in Indonesia. This research uses a normative jridical method, with an approach to legislation, legal literature, and case studies. The results show that although consumer protection has been explicitly regulated in various regulations such as Law No. 8 of 1999 concerning Consumer Protection, the ITE Law, and Government Regulation No. 80 of 2019 concerning. Electronic Trading Systems, however, its implementation still faces significant challenges both from technical, legal, and public awareness perspectives. This analysis provides an in-depth overview of legal protection efforts as well as recommendations that can be implemented to enhance the effectiveness of consumer protection in the future.
Upaya Hukum Perlindungan Konsumen Dalam Menuntut Ganti Rugi Atas Kerugian Akibat Produk Cacat Sonya Agus Suryani; Syukran Harbelin; Helfira Citra
Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan | E-ISSN: 3089-7084 Vol. 1 No. 4 (2025): Juli - September
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Consumer protection is a crucial aspect of the state's responsibility in ensuring justice and safety within economic activities. Consumers often face issues due to defective products, resulting in material and non-material losses. Law Number 8 of 1999 concerning Consumer Protection provides a strong legal foundation for claiming compensation for such losses. This study uses a normative juridical method with a literature-based approach, aiming to examine the legal remedies available to consumers and the role of consumer protection institutions in dispute resolution. The findings show that consumers can pursue compensation through both litigation and non-litigation channels, supported by institutions such as BPKN, LPKSM, and BPSK. These institutions play vital roles in consumer education, advocacy, mediation, and imposing administrative sanctions on business actors who violate regulations. Collaboration between consumers, the government, businesses, and related institutions is essential to building a fair, transparent, and safe market ecosystem for all members of society.
Analisis Yuridis Putusan Hakim Pengadilan Negeri Padang Nomor 69/Pdt.SuBPSK/2025/PN Tentang Sengketa Pembiayaan Multiguna Citra Maharani; Helfira Citra
Jurnal Kajian Hukum dan Pendidikan Kewarganegaraan | E-ISSN: 3089-7084 Vol. 1 No. 4 (2025): Juli - September
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Consumer Financing is a form of consumer financing provided to the publicias an alternative to fulfilling the need for goods or services based on Sharia principles, accompanied by collateral in the form of valuable items such as SHM, SHGB, or BPKB. This financing is a solution for people who need funds quickly. According to the Minister of Finance Regulation Number 84/PMK.012/2006 concerning Financing Companies, a Financing Institution, according to the Financial Services Authority, is a business entity that carries out financing activities in the form of providing funds or capital goods. Based on this, this study aims to review the Padang District Court Decision Number 69/Pdt.SuBPSK/2025/PN and to identify the obstacles encountered in Multipurpose Financing Disputes with Fiduciary Guarantees Through Installment Purchases that have Arose as Default Disputes (Padang District Court Decision Number 69/Pdt.SuBPSK/2025/PN Pdg). The research method was qualitative and used a normative juridical approach.  The data used is primary data with secondary legal materials through decisions and literature studies. The resultsiof the study show that the Petitioner's objection request in its entirety, states that the Consumer Dispute Resolution Agency (BPSK) of Padang City, West Sumatra Province is not authorized to examine and adjudicate the a quo case and cancels the Decision of the Consumer Dispute Resolution Agency (BPSK) of Padang City, West Sumatra Province Number: 04 / PTS / BPSK-PDG / SBR / ARBT / III / 2025, the Respondent has committed a breach of contract, the fiduciary guarantee certificate number:  W3.00106938.AH.05.01 YEAR 2023 is valid, the handover of the fiduciary guarantee object in the form of one unit of Honda Scootermatic motorbike in 2023 is valid and the Supreme Court of the Republiciof Indonesia Sentences the Respondent to pay all costs arising in this case amount ngito Rp164,000.00 (one hundred and sixty four thousand rupiah). Obstacles encountered in resolving fiduciary disputes can be both internaliand external. Internal obstaclesirelate to employees' lack of understanding and knowledge regardin ifiduciary-related multipurpose financing, limited budgets for case handling, and potentially inefficient internal processes. External obstacles include third-party intervention, difficulties in collecting collateral, and a lack of public awareness regarding fiduciary-related multipurpose financing.
Co-Authors Abid Aulia Hilmi Adinda Thania Sofyan Agung Maghfira Mubila Ainil Muharani Aji Ramadhan, Satria Aliyah Risky Ramadhani Alya Yumna Zulfa Berti Ammar Zhafran Anidya Laspendra Anjeli Afriani Anzila Mafaza Aprilla Yunita Aulia Anitami Aulia Marsha Baginda Akbar Edison Cantyka Wandira Christopher Manalu Citra Maharani Dehan Fahresta Dhiya Adilah Muslim Dwi Keisya, Fanny Dzaky Naufal Tsany Edo Nugraha Fadhil Arkan Fanny Nazalia Triananda Farhan Adry Pratama Farren Qhuntum Khaira Fiqhi Dzahabi Fira Rahmanda Sari Fitri Dwi Nurmaliza Halim Darajat Helga Putri Dahayu Icha Anggraini Ikhsan Fadillah Ikhsan Kamil ILHAM Ilhan Mansiz , Muhammad Indah Febriyana Israq, Nabilah Lativa Putriyadi Lutfiah Azizah Lydia Aprilia Pritiwi M. Ilham Fachrozi M. Rafi Muhammad Agall Lanefi Wawen Muhammad Dzaky Adelio Muhammad Ihsan Hanafi Muhammad Prima Aulia Sabari Muthia Kayla, Siti Nadia Rahma Fitri Nafa Faudilah One Shuc Nur Aisyah, Siti Puti Annisa Erwan putri, amanda Rahma Yulia Rahmad Adip Rizki Perdana Raja Syahnan Paparanta Ria Yusnita Rida Ardiana Ridho Ammatullah Rido Yosep Angelio s Ridwandi Saputra Riri Rardayani Riri Wardayani Rizki Mahendra Salsabila Alya Putri Satrio Dana, Haris Shabhan Dzaky Sonya Agus Suryani Syahidan Ilmi Syukran Harbelin Tiara Intan Dafitra Viola Safitri Wahyu Hendri Wahyu Risyah, Dhimas Wieke Azhara Boesye Yolanda Sefriani Yulialni, Melisa Zulfan Adi Putra Zulfi Aini