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All Journal KRTHA BHAYANGKARA Jurnal hukum IUS PUBLICUM
Indah Sari, Yuliana
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Humanities Law, Crime, Criminology & Criminal Justice Other

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Accountability of Peer to Peer Lending Organizers to Lenders from a Responsibility Theory Perspective Indah Sari, Yuliana; Ratna Januarita; Rini Irianti Sundary
KRTHA BHAYANGKARA Vol. 19 No. 2 (2025): KRTHA BHAYANGKARA: AUGUST 2025
Publisher : Fakultas Hukum Universitas Bhayangkara Jakarta Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31599/krtha.v19i2.4023

Abstract

The presence of Peer To Peer Lending in Indonesia emerged in 2015 and became a solution for Borrowers with easy requirements without collateral. Although peer to peer lending provides convenience for borrowers (borrowers) on the other hand peer to peer lending has an impact or risk for lenders (borrowers) namely the non-return of loan funds that have been given (lenders) to borrowers through the Peer To Peer Lending organizer, the non-return of funds as agreed, is considered a default, so that the Organizer can be held for the incident. This research is a normative and descriptive analytical research using primary legal materials such as POJK Number: 77 / POJK.01 / 2016 concerning information technology-based money lending services, POJK Number 18 / POJK.07 / 2018 concerning Consumer Complaints Services in the Financial Services Sector, and POJK Number 31 / POJK.07 / 2020 concerning the Provision of Consumer and Community Services in the Financial Services Sector, and Hans Kelsen's theory of responsibility. The results of this study indicate that the Theory of Responsibility initiated by Hans Kelsen says that a person is legally responsible for a certain act or that he bears legal responsibility, the subject means that he is responsible for a sanction in terms of a separating act. Hans Kelsen stresses that there must be sanctions that can be applied, the implementation of Hans Kelsen's Theory of responsibility is not realized in this case, because civil sanctions in the form of compensation that should be given by the organizer to the lender are not given so that equality of action in law is not realized which should be the law can protect the injured and weak parties.
PERAN PEMERINTAH DALAM MENGATASI PRAKTIK KAWIN KONTRAK DI KAWASAN BUKIT CIPENDAWA, CIANJUR JAWA BARAT Indah Sari, Yuliana
Jurnal Hukum Ius Publicum Vol 5 No 1 (2024): Jurnal Hukum Ius Publicum
Publisher : LPPM Universitas Doktor Husni Ingratubun Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55551/jip.v5i1.88

Abstract

Tujuan dari penelitian ini ialah untuk mengetahui perlindungan hukum bagi korban praktik kawin kontrak dan peran pemerintah dalam menanggulagi praktik kawin kontrak yang terjadi di Kawasan Bukit Cipendawa, Cianjur, Jawa Barat. Perlu diketahui penelitian ini merupakan penelitian hukum normatif dan bersifat deskriptif, adapun sumber data yang digunakan ialah sumber data primer, sekunder, dan tersier. Penelitian ini dianalisis secara kualitatif, yakni penelitian tersebut akan diolah dengan dikelompokkan sesuai dengan masalah yang diteliti dengan cara mendeskripsikan atau menggambarkan, kemudian dibandingkan antara data dengan ketentuan peraturan perundang-undangan atau pendapat para ahli hukum serta dalam pengambilan kesimpulan menggunakan cara deduktif yaitu penarikan kesimpulan dari hal-hal yang bersifat umum ke hal-hal yang bersifat khusus. Berdasarkan hasil penelitian dan pembahasan dapat ditarik dua kesimpulan. Pertama, perlindungan hukum bagi korban kawin kontrak dapat mengajukan kepada Komnas Perempuan, Komnas Perempuan sebatas memantau bagaimana kasus tersebut ditangani untuk memastikan lembaga penyedia layanan di Pemerintah dan di masyarakat memenuhi hak-hak korban, dikarenakan komnas perempuan tidak memiliki mandat untuk melakukan penyelidikan bersifat pro justicia. Kedua, peran pemerintah dalam mengatasi kawin kontrak di Cianjur Jawa Barat ialah dengan membentuk Peraturan Bupati No. 38 Tahun 2021 tentang Pencegahan Kawin Kontrak, secara praktek peraturan tersebut tidak memiliki kekuatan yang memaksa bagi masyarakat, karena tidak ada sanksi yang tegas.
Co-Authors Ratna Januarita Rini Irianti Sundary