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Purba, Anita Sara
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Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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BUDAYA HUKUM DALAM PINJAMAN ONLINE: MENJAMIN KESEIMBANGAN ANTARA KEPENTINGAN BISNIS DAN PERLINDUNGAN KONSUMEN Arini, Ken Sofya; Danial, Putri Sofiani; Purba, Anita Sara; Ririn, Stio
Ensiklopedia Sosial Review Vol 7, No 2 (2025): Volume 7 No 2 Juni 2025
Publisher : Lembaga Penelitian dan Penerbitan Hasil Penelitian Ensiklopedia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33559/esr.v7i2.3098

Abstract

 Abstract: This study aims to examine the legal culture in the practice of online lending (pinjol) services in Indonesia, particularly in ensuring a balance between business interests of service providers and consumer protection. The research question addressed is: how can challenges in legal culture help create a balance between consumer protection and business interests in online lending practices, especially concerning inhumane collection methods and the misuse of personal data by illegal lenders. This research employs a normative legal method with a conceptual and statutory approach. The data used are derived from primary legal sources such as the Indonesian Civil Code (KUH Perdata), the Consumer Protection Act, and Financial Services Authority Regulation No. 77/POJK.01/2016 on Information Technology-Based Lending Services, as well as secondary sources such as scholarly literature. The findings indicate that the weakness of legal culture among society and business actors is a key factor behind widespread violations by illegal online lenders. Collection practices involving intimidation and the unlawful dissemination of personal data not only breach positive law but also violate consumers' rights and inflict psychological distress. The study concludes that strengthening legal culture plays a critical role in reinforcing the effectiveness of existing legal norms. Therefore, firm law enforcement, the elimination of illegal lending services, and improvement in public legal literacy are essential to build a fair, safe, and sustainable digital financial ecosystem.Keywords: P2P Lending, Pinjol, Digital
DAMPAK PENGHAPUSAN PENCATATAN PERUSAHAAN TERBUKA TERHADAP PEMEGANG SAHAM DAN TATA KELOLA PERUSAHAAN Purba, Anita Sara
Ensiklopedia Education Review Vol 7, No 1 (2025): Volume 7 No 1 April 2025
Publisher : Lembaga Penelitian dan Penerbitan Hasil Penelitian Ensiklopedia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33559/eer.v7i1.3199

Abstract

Abstract: This study aims to discuss two problem formulations, namely: (1) how legal regulations in Indonesia regulate the cancellation of delisting of public companies and its impact on shareholder protection, and (2) what are the implications of delisting on the principles of good corporate governance. This study uses a normative legal approach method, by examining laws and regulations, legal literature, and relevant official documents. The results of the study indicate that the regulations of the Financial Services Authority and the Indonesia Stock Exchange do provide a legal framework for the implementation of delisting, including the obligation to tender offer for minority shareholders, but there are still gaps in the protection provided, especially in non-voluntary delisting. In addition, the delisting process can also disrupt the implementation of the principles of transparency, accountability, and fairness in corporate governance. Therefore, strengthening regulations and supervision is needed to ensure that the delisting process is carried out while still guaranteeing the rights of shareholders and maintaining the governance standards that have been applied during the company's public status.Keywords: Corporate Governance, Impact, Shareholders.
Co-Authors Arini, Ken Sofya Putri Sofiani Danial Ririn, Stio