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All Journal IBLAM Law Review Decisio: Law Journal
Rustam, Muhammad Rizal
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Humanities Education Environmental Science Law, Crime, Criminology & Criminal Justice Other

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TANGGUNG JAWAB HUKUM PLATFORM FINTECH PER TO PEER LENDING TERHADAP PENYALAHGUNAAN DATA PRIBADI NASABAH BERDASARKAN UU NO. 27 TAHUN 2022 TENTANG PERLINDUNGAN DATA PRIBADI Rustam, Muhammad Rizal
IBLAM LAW REVIEW Vol. 5 No. 2 (2025): IBLAM LAW REVIEW
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM IBLAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52249/ilr.v5i2.636

Abstract

Pesatnya pertumbuhan Financial Technology (Fintech) Peer-to-Peer (P2P) Lending di Indonesia diiringi maraknya praktik penyalahgunaan data pribadi nasabah untuk tujuan penagihan yang tidak manusiawi, menciptakan urgensi perlindungan hukum yang kuat. Penelitian ini bertujuan menganalisis kedudukan hukum platform P2P Lending sebagai Pengendali Data, mengidentifikasi bentuk tanggung jawab hukum (administratif, perdata, pidana) menurut Undang-Undang No. 27 Tahun 2022 tentang Pelindungan Data Pribadi (UU PDP), serta mengkaji tantangan penegakannya. Menggunakan metode penelitian hukum normatif dengan pendekatan perundang-undangan dan konseptual, penelitian ini menganalisis bahan hukum primer dan sekunder secara kualitatif. Hasil penelitian menegaskan bahwa platform P2P Lending secara yuridis memenuhi kualifikasi sebagai Pengendali Data Pribadi, sehingga tunduk pada seluruh kewajiban dalam UU PDP. Konsekuensi dari penyalahgunaan data nasabah dapat berimplikasi pada sanksi berlapis, meliputi sanksi administratif berupa denda hingga 2% dari pendapatan tahunan, gugatan ganti rugi perdata atas kerugian materiil dan imateriil, serta ancaman pidana penjara hingga 5 tahun dan denda miliaran rupiah bagi pengurus maupun korporasinya. Efektivitas UU PDP bergantung pada sinergi penegakan hukum dan literasi digital masyarakat.
Evaluasi Implementasi UU No. 11 Tahun 2012 tentang Sistem Peradilan Pidana Anak dalam Kasus Psikotropika Herlambang, Arsyi Murdianto; Rustam, Muhammad Rizal
Decisio: Jurnal Ilmiah Hukum Vol 1 No 2 (2024): DECISIO
Publisher : LPPM Iblam School of Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52249/decisio.v1i2.18

Abstract

Children involved in psychotropic offenses require special attention in the criminal justice system due to their psychological and developmental vulnerability. The Indonesian government enacted Law No. 11 of 2012 on the Juvenile Criminal Justice System (SPPA) to emphasize diversion and restorative justice as primary approaches in handling juvenile offenders. However, the implementation of this law in psychotropic cases remains problematic due to legal inconsistencies, institutional limitations, and societal stigma. This study evaluates the effectiveness of SPPA in addressing juvenile psychotropic offenses and identifies the key challenges in its enforcement.This research employs a qualitative methodology with a normative juridical approach, focusing on regulatory analysis and legal norm interpretation. Data collection is conducted through an extensive literature review, incorporating primary and secondary legal sources to provide a comprehensive understanding of the law's practical application.The findings indicate that while the SPPA theoretically promotes a rehabilitative and restorative approach, its application in psychotropic offenses remains inconsistent. Legal constraints, including the lack of synchronization between the SPPA and its implementing regulations, have hindered the optimal execution of diversion. Institutional challenges, such as limited rehabilitation facilities and lack of trained professionals, exacerbate the issue, often leading to punitive measures against juvenile offenders. Moreover, strong social stigma further obstructs reintegration efforts, necessitating policy reform, legal harmonization, and enhanced community awareness to ensure effective juvenile justice implementation.
Penggunaan Artificial Intelligence dalam Optimalisasi Pengawasan dan Perlindungan Hukum bagi Anak dalam Sistem Peradilan Pidana Ramadhani, Naufal Kurnia; Rustam, Muhammad Rizal
Decisio: Jurnal Ilmiah Hukum Vol 2 No 2 (2025): DECISIO
Publisher : LPPM Iblam School of Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52249/decisio.v2i2.30

Abstract

This study examines the legal, social, and psychological impacts of postponing the execution of death sentences in Indonesia's new Criminal Code (KUHP). The 10-year probation period for death row inmates creates legal uncertainty regarding the timing of executions and the potential for changes in sentencing. Using qualitative methods and a normative legal approach, this study analyses the relevant regulations and interpretations of legal norms through a literature review. The results show that postponing executions exacerbates psychological pressure on convicts, such as severe stress and mental disorders, and undermines public confidence in the fairness of the criminal justice system. In addition, there is a risk of human rights violations due to unclear procedures and long waiting periods. From a legal perspective, this situation indicates the need for more explicit and consistent regulations to ensure legal certainty and substantive justice. Therefore, reforming the execution time limit and oversight mechanisms is considered important to improve the effectiveness and integrity of Indonesia's criminal justice system.
Analisis Kriminologi Victim Precipitation dalam Kasus Kekerasan Seksual terhadap Pekerja Seks Posumah, Vicky Yohanes; Rustam, Muhammad Rizal
Decisio: Jurnal Ilmiah Hukum Vol 2 No 2 (2025): DECISIO
Publisher : LPPM Iblam School of Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52249/decisio.v2i2.32

Abstract

Sex workers are often victims of sexual violence due to stigma, discrimination, and a lack of legal protection. Despite the perception that their profession is deviant, many individuals engage in sex work due to economic pressures and limited employment opportunities. The concept of victim precipitation in criminology examines the role of victims in triggering crimes, which is often misinterpreted as victim-blaming in cases of sexual violence against sex workers. This study aims to analyze how victim precipitation influences sexual violence against sex workers and its implications in the legal system. This research employs a qualitative approach with normative legal analysis, utilizing primary legal materials such as laws, regulations, and court decisions, along with secondary sources from scholarly journals and literature. The data were collected through an extensive literature review and analyzed using a descriptive qualitative method. The findings reveal that sex workers experience high levels of sexual violence due to social stigma, economic vulnerabilities, and legal system biases. The misinterpretation of victim precipitation often leads to victim-blaming, further discouraging victims from reporting cases. Additionally, the lack of legal protection and law enforcement’s discriminatory attitudes exacerbate the issue, making sex workers more vulnerable to violence. Therefore, legal reforms and social policies are needed to provide equal protection and justice for sex workers as victims of sexual violence.
Analisis Faktor Human Error dalam Kecelakaan Lalu Lintas dan Pertanggungjawaban Hukumnya Setiawan, Mohammad Reza; Rustam, Muhammad Rizal
Decisio: Jurnal Ilmiah Hukum Vol 2 No 2 (2025): DECISIO
Publisher : LPPM Iblam School of Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52249/decisio.v2i2.33

Abstract

Traffic accidents remain a serious issue globally, including in Indonesia, with human error being the dominant factor. Fatigue, lack of concentration, traffic violations, and external influences such as alcohol contribute significantly to accident rates. Legal responsibility for human error-related accidents is regulated in Indonesian law through criminal, civil, and administrative sanctions. However, the effectiveness of law enforcement remains a challenge due to low legal awareness and inconsistent regulatory implementation. This study employs a normative juridical approach by analyzing regulations, court decisions, and previous research to assess the legal framework governing traffic accidents caused by human error. Data were collected through literature studies and analyzed qualitatively to classify legal sources into primary, secondary, and tertiary categories. The findings indicate that despite the existing legal framework, gaps in enforcement reduce its deterrent effect. Strengthening legal awareness, implementing stricter law enforcement, and integrating technological solutions are necessary to enhance traffic safety. This study contributes to the development of more effective policies in addressing human error-related traffic accidents and improving public compliance with traffic regulations.
Co-Authors Herlambang, Arsyi Murdianto Posumah, Vicky Yohanes Ramadhani, Naufal Kurnia Setiawan, Mohammad Reza