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All Journal JUDGE: Jurnal Hukum Jurnal Hukum Bisnis
Hasan, Marvelina
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Decision Sciences, Operations Research & Management Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Yuridis Terhadap Tanggung Jawab Penyedia Pinjol Ilegal dan Fenomena Debitur Nakal Hasan, Marvelina
Judge : Jurnal Hukum Vol. 6 No. 03 (2025): Judge : Jurnal Hukum
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/judge.v6i03.1487

Abstract

Penelitian ini bertujuan untuk melakukan analisis yuridis terhadap tanggung jawab hukum penyedia pinjaman online (pinjol) ilegal dan fenomena debitur nakal yang memanfaatkan sistem pinjaman digital untuk keuntungan pribadi tanpa itikad baik. Metode yang digunakan adalah penelitian hukum normatif dengan pendekatan kepustakaan (library research), yang mengkaji literatur, peraturan perundang-undangan, dan dokumen hukum yang relevan. Hasil penelitian menunjukkan dua temuan utama. Pertama, penyelenggara pinjol ilegal dapat dimintai pertanggungjawaban secara perdata, pidana, dan administratif. Dalam ranah perdata, mereka diwajibkan mengganti kerugian berdasarkan Pasal 1365 KUHPerdata. Dalam ranah pidana, pelaku dapat dijerat dengan pasal-pasal terkait pemerasan, penyalahgunaan data pribadi, dan penipuan. Sedangkan secara administratif, OJK memiliki kewenangan menjatuhkan sanksi seperti pencabutan izin dan pemblokiran akses berdasarkan POJK No. 77/POJK.01/2016. Kedua, debitur nakal yang memanfaatkan pinjol ilegal untuk melakukan penipuan, seperti pemalsuan identitas atau pinjaman fiktif, dapat dijerat dengan Pasal 378 KUHP jika terbukti ada unsur niat jahat. Kesimpulannya, baik penyelenggara maupun debitur dapat dikenakan sanksi hukum sesuai tingkat pelanggaran dan niat pelaku. Rekomendasi penelitian ini mencakup perlunya reformasi regulasi fintech, peningkatan kapasitas pengawasan, edukasi hukum bagi masyarakat, serta penerapan sanksi yang adil dan tegas bagi kedua pihak demi menciptakan ekosistem pinjaman online yang adil, legal, dan akuntabel.
Menuju Model Ideal Penyidikan Multiparty di Indonesia: Towards an Ideal Model of Multiparty Investigation in Indonesia Hasan, Marvelina; Ismail, Dian Ekawaty; Moha, Mohamad Rivaldi
Jurnal Hukum Bisnis Vol. 15 No. 01 (2026): Call for Papers, Januari 2026
Publisher : Information Technology and Science (ITScience)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jhb.v15i01.7656

Abstract

The investigation system in Indonesian criminal procedure law is still dominated by a single authority approach that places the police as the primary actor. This model is increasingly questioned with the increasing complexity of modern crimes, the development of sectoral investigative institutions, and the emergence of Constitutional Court decisions rejecting the monopoly of investigative authority. This fragmentation of authority without a clear coordination design has the potential to give rise to institutional conflict and human rights violations. This study aims to formulate an ideal concept for implementing multiparty investigations in the Indonesian legal system that aligns with the principles of the rule of law, due process of law, and the protection of human rights. This study uses normative legal methods with statutory, conceptual, case-based, and comparative approaches. Data were obtained through a literature review of primary legal materials in the form of laws and court decisions, as well as secondary legal materials in the form of scientific journals, law books, and comparative studies of investigative systems in South Korea and the Netherlands. The results show that the practice of multiparty investigations in Indonesia has developed sectorally through the authority of the Corruption Eradication Commission (KPK), the National Narcotics Agency (BNN), and the Civil Servant Supervisory Agency (PPNS), but has not been integrated into a comprehensive criminal procedure law framework. Weak coordination, unclear boundaries of authority, and minimal judicial oversight increase the risk of inter-institutional conflict and violations of suspects' rights. Multiparty investigations require an integrated institutional design, a clear division of authority, horizontal coordination mechanisms, and strengthened judicial oversight to create a fair and effective criminal justice system.
Co-Authors Dian Ekawaty Ismail Mohamad Rivaldi Moha