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All Journal Law Development Journal Jurnal Hukum Pelita
Yusuf Argiansyah, Hikmal
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Arts Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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Electronification Financial Transactions for Business Operator: Legal Protection for Consumers Experienced Rejection in Cash Transaction Yusuf Argiansyah, Hikmal; Imran Nasution, Ali
Law Development Journal Vol 7, No 2 (2025): June 2025
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ldj.7.2.212-229

Abstract

The National Non-Cash Movement (GNNT) by Bank Indonesia has brought changes in the implementation of transaction methods that prioritize digital transaction. Therefore, some business operator on payment methods that only accept non-cash transactions (cashless-only) in their business. However, it is actually caused problems in society, especially people who prefer cash transaction methods and people who do not have access to digital payments. Research conducted using the juridical-normative method uses the statue approach and case approach in conducting research. Research shows that the implementation of payment transaction methods that only accept digital payments (cashless-only) has the potential to violate consumer rights in terms of equal and non-discriminatory treatment of consumers, especially consumers who do not have access to digital payments. Rejection of the rupiah has also been prohibited through the Currency Law and the prohibition was reaffirmed by the Deputy Governor of Bank Indonesia. Consumers who feel that their rights have been violated by cashless-only transaction methods can take legal action in the form of a lawsuit through the general court, resolving the problem through non-litigation (conciliation, mediation, or arbitration) either individually or through the Consumer Dispute Resolution Agency (BPSK), and/or can report it to the National Consumer Protection Agency (BPKN).
Perlindungan Hukum Hak Atas Privasi Dan Perlindungan Data Pribadi Berdasarkan Perspektif Hak Asasi Manusia Yusuf Argiansyah, Hikmal; Yudha Prawira, M Rizki
JURNAL HUKUM PELITA Vol. 5 No. 1 (2024): Jurnal Hukum Pelita Mei 2024
Publisher : Direktorat Penelitian dan Pengabdian (DPPM) Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jh.v5i1.3946

Abstract

Pergeseran perilaku manusia yang banyak bertransformasi dari analog ke digital banyak mempengaruhi berbagai elemen kehidupan baik pada bidang bisnis, hiburan hingga berjalannya roda pemerintahan. Digitalisasi pada pemerintahan ini tentunya memiliki sebuah kesempatan khususnya untuk mengurangi berbagai maladministrasi, tindak pidana korupsi dan berbagai bentuk kesewenang – wenangan. Kendati demikian terdapat berbagai tantangan dan potensi permasalahan akibat dari digitalisasi ini yaitu terkait perlindungan atas privasi dan data pribadi. Terdapat beberapa kasus terjadi terkait pelanggaran hak atas privasi dan perlindungan data pribadi seperti pencurian data, jual beli data secara illegal, peretasan, serangan malware, hingga manipulasi psikologis melalui social engineering. Dalam sudut pandang hak asasi manusia, hak atas privasi dan perlindungan data pribadi adalah salah satu bentuk perwujudannya. Hal tersebut sebagaimana diatur dalam berbagai pandangan ahli, instrumen HAM internasional, dan instrumen HAM nasional. Posisi negara sebagai pemangku kewajiban (duty bearer) membuatnya harus melakukan berbagai upaya untuk memastikan penghormatan, perlindungan dan pemenuhan hak setiap orang sebagai pemegang hak (rights holder) atas privasi dan perlindungan data pribadi. Oleh karenanya negara bertanggung jawab ketika terdapat pelanggaran baik itu ketika negara sebagai pelaku langsung atau ketika melakukan pembiaran.
Co-Authors Imran Nasution, Ali M. Rizki Yudha Prawira