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All Journal Jurnal Hukum Lex Generalis Jurnal As-Syar’i: Jurnal Bimbingan & Konseling Keluarga Journal of Excellence Humanities and Religiosity
Didik Irawansah
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Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Tinjauan Yuridis Perlindungan Hukum Bagi Konsumen Pinjaman Online di Indonesia Anis; Zuhrah; Didik Irawansah
As-Syar i: Jurnal Bimbingan & Konseling Keluarga  Vol. 7 No. 4 (2025): As-Syar’i: Jurnal Bimbingan & Konseling Keluarga
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/as.v7i4.9449

Abstract

This study aims to determine consumer protection for users of fintech services (Peero-Peer Lending) in the perspective of consumer protection law in Indonesia and to find out efforts to resolve disputes against JULO application Fintech Peer To Peer Lending services. This research uses normative juridical methods with statutory and conceptual approaches. As a literature research, the main focus is on analyzing primary legal materials such as Law No. 8 of 1999 concerning Consumer Protection, Law No. 11 of 2008 concerning ITE, as well as various OJK regulations including POJK No. 10/POJK.05/2022. A statutory approach is applied to comprehensively review regulations relevant to online loan consumer protection, while a conceptual approach is used to analyze theories of consumer protection, principles of justice, and legal certainty. This research aims to provide an in-depth understanding of the legal framework governing consumer protection in online lending services as well as its implementation in practice. This research reveals that although FinTech P2P Lending consumer protection in Indonesia has a strong legal foundation through the Consumer Protection Law and POJK No. 77/POJK.01/2016, its implementation still faces challenges in the form of regulatory gaps with practices in the field. The study on the JULO platform shows that 78% of complaints are resolved through internal mechanisms, while adjudication is an effective solution with an 85% satisfaction rate and faster resolution time (14 working days). The findings identified three main issues: inconsistency in the application of rules, low consumer legal literacy (42%), and the complexity of cross-jurisdictional disputes. The research recommends strengthening OJK's technology-based supervision, improving consumer education, and optimizing adjudication, emphasizing the importance of collaboration between regulators, businesses, and communities to create an equitable and sustainable P2P Lending ecosystem.
GERAKAN PEDULI GIZI: Sosialisasi dan Pembagian PMT Gratis bagi Balita dalam Rangka Pencegahan Stunting di Kota Bima: Edukasi_Gizi; Stuting; Pembagian_PMT; Balita; Bima. Gufran; Didik Irawansah; Khatimah, Nur Husnul; Taufiqurahman
Journal of Excellence Humanities and Religiosity Vol. 3 No. 1 (2026): Januari (2026)
Publisher : Journal of Excellence Humanities and Religiosity

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34304/joehr.v3i1.504

Abstract

Stunting merupakan permasalahan gizi kronis yang berdampak serius terhadap pertumbuhan fisik, perkembangan kognitif, serta kualitas sumber daya manusia di masa depan. Kelurahan Rontu, Kota Bima, termasuk wilayah dengan prevalensi stunting yang masih cukup tinggi, sehingga memerlukan intervensi berbasis masyarakat yang berkelanjutan. Kegiatan Pengabdian kepada Masyarakat (PKM) ini bertujuan untuk meningkatkan pengetahuan, kesadaran, dan keterampilan ibu balita dalam upaya pencegahan stunting melalui edukasi gizi dan pemberian makanan tambahan (PMT) berbasis pangan lokal. Metode pelaksanaan menggunakan pendekatan partisipatif-edukatif yang melibatkan pemerintah kelurahan, puskesmas, kader posyandu, serta mahasiswa KKN Universitas Muhammadiyah Bima. Kegiatan dilaksanakan dalam bentuk sosialisasi dan penyuluhan mengenai pentingnya gizi seimbang, ASI eksklusif, dan 1000 Hari Pertama Kehidupan (HPK), dilanjutkan dengan demonstrasi pembuatan PMT berupa bubur jagung bergizi serta pembagian PMT kepada balita. Evaluasi dilakukan melalui pre-test dan post-test untuk mengukur peningkatan pengetahuan peserta. Hasil kegiatan menunjukkan adanya peningkatan signifikan pemahaman ibu tentang pencegahan stunting dan pemenuhan gizi balita. Peserta juga menunjukkan antusiasme tinggi dalam diskusi serta komitmen untuk lebih rutin memantau pertumbuhan anak di posyandu. Selain itu, pemanfaatan bahan pangan lokal sebagai PMT dinilai efektif karena mudah diperoleh, terjangkau, dan sesuai dengan kebutuhan gizi anak. Kegiatan ini membuktikan bahwa intervensi edukatif yang dikombinasikan dengan aksi sosial berupa PMT dapat menjadi strategi yang efektif dalam mendukung upaya pencegahan stunting di tingkat komunitas.
Hukum Perjanjian: Studi Penerapan Asas Konsensualisme sebagai Syarat Sahnya Perjanjian Bisnis Digital Muhammad Arifaturahman; Kasmar Kasmar; Didik Irawansah
Jurnal Hukum Lex Generalis Vol 7 No 4 (2026): Tema Hukum Perdata dan Kenotariatan
Publisher : Himpunan Ilmu Hukum dan Ilmu Hukum Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56370/jhlg.v7i4.4303

Abstract

The regulation of business agreements in Indonesia is fundamentally rooted in the Civil Code (KUHPerdata), particularly Book III on Obligations, which embodies the principles of freedom of contract, consensualism and good faith. Despite its colonial origin, these provisions remain the primary foundation of modern business activities. Business agreements encompass not only contracts explicitly regulated by law, such as sale and lease, but also evolve into non-conventional forms responding to commercial needs, including franchises, joint ventures, leasing and electronic contracts. Such developments are reinforced by sectoral regulations on consumer protection, electronic transactions, limited liability companies and financial supervision, which contain both regulatory and mandatory norms to maintain balance between parties. Within this framework, the principle of consensualism occupies a central position as a requirement for contractual validity, whereby an agreement is formed solely through mutual consent, without specific formalities unless prescribed by law. This principle grants flexibility to business actors but remains constrained by good faith, propriety and protection of weaker parties. In the digital era, consent may also be expressed electronically, requiring a progressive interpretation that emphasizes substantive justice rather than mere formal agreement.
Co-Authors Anis Gufran Kasmar Khatimah, Nur Husnul Muhammad Arifaturahman Taufiqurahman Zuhrah