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All Journal LEGAL BRIEF Jurnal Hukum Lex Generalis
Cholil, Mochamad
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Law, Crime, Criminology & Criminal Justice

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The Bank's Act of Placing a Debt-Defaulter Sticker on the Aggrieved Party Rahmatika, Rizka; Cholil, Mochamad
LEGAL BRIEF Vol. 14 No. 3 (2025): August: Law Science and Field
Publisher : IHSA Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/legal.v14i3.1392

Abstract

This research investigates the unilateral action of banks placing "default debtor" stickers on properties, even when the targeted party is not a debtor, causing both material and immaterial harm. The study aims to analyze the legal protection available to affected parties and determine the bank’s liability for such actions. A normative legal research method is used, employing statutory, case, and conceptual approaches. Data is analyzed prescriptively to develop legal arguments based on existing laws. The findings indicate that such actions when conducted without lawful basis or proper verification can constitute unlawful conduct under Article 1365 of the Indonesian Civil Code and violate banking secrecy and consumer protection principles. As institutions of trust, banks are held liable for damages caused by procedural negligence, including when carried out by third parties such as debt collectors. The study concludes that stricter legal mechanisms are necessary to prevent such harmful practices. These mechanisms should include internal safeguards through bank SOPs and external supervision by the Financial Services Authority (OJK). Strengthening these legal protections is essential to uphold justice and ensure that consumers of banking services are treated fairly and their rights respected within the financial sector
Pelindungan Hak Cipta atas Karya Ilmiah yang Dihasilkan oleh Kecerdasan Buatan Yuniar Ekawardani, Dibit; Cholil, Mochamad
Jurnal Hukum Lex Generalis Vol 6 No 4 (2025): Tema Hukum Perdata dan Kenotariatan
Publisher : CV Rewang Rencang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56370/jhlg.v6i4.1276

Abstract

The development of Artificial Intelligence (AI) raises legal issues in copyright protection, especially for scientific works produced without human involvement. Law Number 28 of 2014 concerning Copyright does not explicitly regulate the ownership status of the work. This study uses a normative legal method to examine the legal protection of scientific works produced by AI, by examining laws and regulations and principles of intellectual property rights. The results of the study are expected to provide input for the formulation of adaptive regulations and guarantee legal certainty in the era of technological development.
Co-Authors Rahmatika, Rizka Yuniar Ekawardani, Dibit