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All Journal PENA LAW: International Journal of Law Innovative: Journal Of Social Science Research
Nofiyanti, Dwi
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Humanities Computer Science & IT Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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SUPERVISION OF THE CONSUMER DISPUTE SETTLEMENT AGENCY ON THE INCLUSION OF STANDARD CLAUSE AGREEMENTS THAT HARM CONSUMERS Nofiyanti, Dwi; Yuhelson, Yuhelson; Darodjat, Tubagus Achmad
PENA LAW: International Journal of Law Vol. 3 No. 1 (2025): May
Publisher : Yayasan Pusat Cendekiawan Intelektual Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56107/penalaw.v3i1.221

Abstract

The inclusion of standard clauses that harm consumers is still rampant in various sectors of trade in goods and services in Indonesia. The Consumer Dispute Settlement Agency (CDSA) has an important mandate to supervise and resolve consumer disputes, including assessing the existence of unfair standard clauses. This study aims to analyze the effectiveness of CDSA’s supervision of agreements that include unfair standard clauses, as well as assess the challenges of implementing this role in practice. This research uses a juridical-empirical approach with case studies on several CDSA decisions in Indonesia. The findings show that there are institutional weaknesses and inconsistencies in the decisions that make the role of CDSA not optimal. This article offers strategies to strengthen the regulation and role of CDSA to protect consumer rights more effectively.
Perlindungan Hukum Bagi Debitur Akibat Wanprestasi Terkait Pelaksanaan Lelang Eksekusi Hak Tanggungan Dibawah Nilai Jual/Limit Terhadap Obyek Jaminan Nofiyanti, Dwi; Sinaulan, Ramlani Lina; Yuhelson, Yuhelson; Syarief, Vidi Galenso
Innovative: Journal Of Social Science Research Vol. 4 No. 5 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i5.15135

Abstract

Dalam melakukan pelelangan untuk pemberlakuan hak tanggungan, bank menetapkan batasan harga lelang terhadap obyek hak tanggungan karena kreditur tidak memenuhi perjanjian pinjaman dengan bank, dalam hal permohonan Lelang Nasional yang di berikan Kewenangan dilelang oleh lembaga pelelangan negara yaitu KPKNL. Tesis ini membahas tentang pengaturan mengenai batas nilai jual/limit obyek jaminan dan melindungi debitur sesuai aturan yg berlaku. Pada penelitian ini Pengaturan mengenai batas nilai jual/limit obyek jaminan dalam eksekusi lelang hak tanggungan di laksanakan sesuai hukum yang berlaku . Namun kenyataanya, terjadi penetapkan batasan di bawah harga pasar yang merugikan debitur sehingga adanya fenomena hukum antara debitur dengan kreditur terhadap pelaksanan lelang tersebut. Dengan demikian, perlindungan hukum tersebut belum dapat tercapai terlihat dari adanya gugatan-gugatan kepada Kreditur (Bank). Debitur melakukan proses hukum Untuk melindungi harta debitur sebagai jaminan atas hipotek yang dilaksanakan sesuai dengan nilai batas yg di tentukan dapat di lakukan di pengadilan yg berwenang dalam melayangkan gugatan terhadap kreditur (bank) sesuai dengan Pasal 17 ayat (1), (2), dan (3) PMK 27/2016 jo. Pasal 13 ayat (1) huruf k-l PMK 213/2020.
Co-Authors Darodjat, Tubagus Achmad Sinaulan, Ramlani Lina Syarief, Vidi Galenso Yuhelson Yuhelson