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All Journal Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Journal of Law, Poliitic and Humanities Innovative: Journal Of Social Science Research
Syahmi, Taffy Faiq
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Religion Humanities Computer Science & IT Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Legal Dynamics Against E-Commerce Couriers Who Commit Default on the COD System Wardhono, Agus; Syahmi, Taffy Faiq; Prawesthi, Wahyu
Journal of Law, Politic and Humanities Vol. 5 No. 5 (2025): (JLPH) Journal of Law, Politic and Humanities
Publisher : Dinasti Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jlph.v5i5.1985

Abstract

The growth of e-commerce in Indonesia has given birth to new innovations, namely Cash On Delivery (COD) which is currently popular, but still causes various problems. This study aims to analyze the status of couriers as intermediaries between buyers and sellers in online transactions with the COD system, as well as their legal responsibilities when a default occurs. Using a normative legal research method, this study examines that couriers operate under the legal umbrella of Article 1800 of the Civil Code as parties exercising power on behalf of the shipping service company, which previously received power from the seller (Article 1792 of the Civil Code). The legal relationship between the seller and the courier is an agency relationship where the seller is the principal and the courier is the agent. COD transactions are considered valid based on Article 1458 of the Civil Code which requires an agreement on the object and price of the goods. This study reveals an inequality in legal protection for couriers, as seen in the viral case of a courier who was fined IDR 500,000 for the issue of IDR 700 change, even though he had shown good faith by trying to return the remaining money
Perlindungan Hukum Terhadap Korban Emergency Contact Pada Praktik Pinjaman Online Syahmi, Taffy Faiq; Nasution, Krisnadi
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.11460

Abstract

Seiring berkembangnya teknologi berbagai inovasi baru yang muncul yang salah satunya dibidang keuangan atau yang biasa disebut dengan Teknologi Keuangan. Manusia sebagai makhluk sosial cenderung memiliki keinginan atau kebutuhan yang pada dasarnya pasti menggunakan uang. Teknologi keuangan merujuk kepada pemanfaatan teknologi dalam memberikan layanan keuangan secara efisien. Teknologi ini mencakup berbagai jenis inovasi teknologi dimana dapat mempengaruhi cara berinteraksi kita terhadap keuangan yang salah satu contohnya adalah pinjaman peer to peer. Didalam implementasinya memerlukan tersedianya peraturan untuk mengatur tentangi peer to peer agar aktivitasnya selalu memperoleh pengawasan dari Otoritas Jasa Keuangan (OJK), dari segi tekonologi Otoritas Jasa Keuangan melakukan pemantauan dengan memberikan persyaratan yang terdapat pada Pasal 7 Nomor 77/POJK.01/2016 guna menjalankan usahanya. Namun dengan adanya teknologi keuangan ini memicu sejumlah permasalahan yang mengenai tentang Kontak Darurat. Kontak Darurat merupakan kontak yang dipilih oleh peminjaman sebagai kontak yang dapat dihubungi oleh pemberi pinjaman dalam situasi darurat atau ketika sipeminjam tidak dapat dihubungi.
Legal Education and Financial Literacy of Student PayLater Users: A Normative Juridical Review Syahmi, Taffy Faiq; Prawesthi, Wahyu; Borman, M. Syahrul
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol. 8 No. 1 (2026)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v8i1.8576

Abstract

The development of financial technology (fintech) has changed consumption patterns in society, including among students. One popular innovation is the PayLater feature, which allows users to make transactions with delayed payment. However, this convenience may create legal and financial risks if it is not supported by adequate financial literacy and legal understanding. This study aims to analyze the role of legal education in improving students' financial literacy and in promoting the responsible use of PayLater services. The research uses a normative juridical method with a statutory approach by examining several regulations, including Law Number 8 of 1999 on Consumer Protection, the Electronic Information and Transactions Law, and Government Regulation on the Implementation of Electronic Systems and Transactions. The results show that legal education increases students’ awareness of their rights and obligations as digital consumers. Understanding PayLater regulations can also help prevent excessive consumption and misuse of digital services. Therefore, integrating legal education with financial literacy is important to foster a generation of young people who are legally aware and financially responsible in using digital financial services.
Legal Certainty and Evidentiary Strength of Digital Signatures in Electronic Contracts under Indonesian Law Syahmi, Taffy Faiq; Agus Wardhono; Borman, M. Syahrul; Prawesthi, Wahyu
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol. 8 No. 1 (2026)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v8i1.8904

Abstract

The rapid advancement of digital technology has driven the widespread use of electronic contracts in modern business transactions, where digital signatures play an essential role in verifying authenticity, maintaining document integrity, and establishing mutual consent between parties. This study analyzes the legal validity and evidentiary weight of digital signatures under Indonesian law. Using a normative juridical approach, it examines relevant laws, particularly Law No. 11 of 2008 as amended by Law No. 19 of 2016 on Electronic Information and Transactions (ITE Law), along with supporting regulations and legal literature. The research evaluates whether digital signatures meet legal requirements and provide certainty in practice. The findings show that digital signatures are legally valid and binding if they can identify the signer, maintain document integrity, and prevent repudiation. They are also recognized as legitimate evidence in court. However, challenges remain, including limited public understanding, the need for stronger technological security, and the continued use of handwritten signatures for certain documents. Overall, digital signatures enhance the reliability of electronic contracts and support secure digital transactions in Indonesia.
Co-Authors Agus Wardhono Borman, M. Syahrul Krisnadi Nasution Wahyu Prawesthi, Wahyu