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All Journal Media Hukum Indonesia (MHI) Indonesian Journal of Agrarian Law
Fauziah, Rachmah
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Agriculture, Biological Sciences & Forestry Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Kajian Hukum Terhadap Implementasi Layanan Fintech Berbasis Peer-to-Peer Lending dalam Perspektif Hukum Positif di Indonesia Amilia, Putri Villa; Safira, Sofia Nur Is; Susilawati, Siti; Fauziah, Rachmah; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15649077

Abstract

Penelitian ini mengeksplorasi pelaksanaan layanan financial technology (fintech) berbasis peer to peer lending (P2P lending) dalam kerangka hukum yang berlaku di Indonesia. Di tengah pesatnya perkembangan digital, P2P lending muncul sebagai alternatif pembiayaan yang praktis dan efisien. Namun, model ini juga memunculkan berbagai isu hukum, terutama menyangkut aspek perlindungan bagi investor (lender) maupun penerima dana (borrower). Tujuan dari penelitian ini adalah untuk mengkaji keberlanjutan praktik P2P lending, dampaknya terhadap para pemodal, serta bentuk perlindungan hukum yang tersedia bagi kedua belah pihak. Dengan menggunakan pendekatan yuridis normatif dan metode deskriptif kualitatif melalui studi literatur, penelitian ini menemukan bahwa meskipun telah terdapat regulasi dari OJK, masih terdapat berbagai kelemahan seperti risiko gagal bayar, penyalahgunaan data, dan minimnya transparansi informasi. Oleh karena itu, diperlukan peningkatan regulasi dan pengawasan agar perlindungan hukum terhadap seluruh pihak dalam transaksi fintech dapat terlaksana secara menyeluruh dan efektif.
Legal Responsibility Of Land Use Rights Holders For Land Conversation That Violates The Social Function Of Land Rights Fauziah, Rachmah
Indonesian Journal of Agrarian Law Vol. 3 No. 1 (2026): March, 2026
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jal.v3i1.44308

Abstract

This study aims to examine in depth how positive agrarian law qualifies the conversion of land use rights (HGU) that violate the social function of land rights. In addition, this study also aims to formulate an ideal legal accountability model for HGU holders in order to uphold social functions and prevent public losses. A normative juridical method was used in this study, which included a statute approach, a conceptual approach, and an analytical approach. The data sources consisted of primary, secondary, and tertiary legal materials, and the analysis was conducted qualitatively and prescriptively. The results of the study show that the conversion of HGU land, whether through active actions or negligence in supervision, causes environmental damage and public losses. This can be considered a violation of the social function of land rights, as stipulated in Article 6 of the UUPA and reinforced by PP No. 18 of 2021 and PP No. 20 of 2021. However, current law enforcement often stops at administrative sanctions without adequate recovery mechanisms. Therefore, a substantive accountability model is needed that includes compensation and environmental restoration mechanisms as well as administrative sanctions for revocation of rights.
Co-Authors Amilia, Putri Villa B, Baidhowi Safira, Sofia Nur Is Siti Susilawati, Siti