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All Journal Jurnal Ekonomi Jurnal Ilmiah Multidisiplin Indonesia International Journal of Economics, Business and Innovation Research Jurnal Manajemen, Akuntansi dan Rumpun Ilmu Ekonomi (MAR-Ekonomi)
Radea Respati Paramudhita
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Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Engineering Library & Information Science Physics

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Legal Protection of Borrower's Personal Data in Online Loan Application Services Radea Respati Paramudhita
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) Vol. 4 No. 10 (2025): Jurnal Ilmiah Multidisplin Indonesia (JIM-ID) November 2025
Publisher : Sean Institute

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Abstract

The rapid development of information technology has driven the emergence of various digital financial services, one of which is online lending applications. However, behind this ease of access, various problems have arisen related to the misuse of borrowers' personal data by service providers and third parties. This study aims to analyze the legal protection of borrowers' personal data in online lending applications and to assess the effectiveness of applicable regulations in Indonesia. The research method used is a normative juridical approach with a statutory and conceptual approach. Data was obtained through a literature review of laws and regulations such as Law Number 27 of 2022 concerning Personal Data Protection, the Electronic Information and Transactions (ITE) Law, the Financial Services Authority Regulation, and regulations related to financial technology. The results show that legal protection of borrowers' personal data in online lending services in Indonesia has not been optimally implemented, despite the legal basis provided by the ITE Law, POJK No. 77/POJK.01/2016, and most recently, Law No. 27 of 2022 concerning Personal Data Protection (PDP Law). In practice, violations often occur in the form of the distribution and misuse of users' personal data without valid consent. The Personal Data Protection Law (PDP) actually provides more comprehensive protection by affirming the rights of data owners and the obligations and responsibilities of fintech providers to maintain user data confidentiality. However, its implementation remains weak due to a lack of oversight and legal awareness among both providers and users.
Legal Protection for Local Communities against Dominance of Foreign Investors in Project Capital investment Radea Respati Paramudhita
Jurnal Ekonomi Vol. 14 No. 04 (2025): Jurnal Ekonomi, 2025
Publisher : SEAN Institute

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Abstract

The phenomenon of increasing foreign investment often creates unequal legal relations between investors and local communities, particularly regarding land ownership, economic rights, and environmental sustainability. This study aims to analyze the form and effectiveness of legal protection for local communities against foreign investor domination in investment projects in Indonesia. The research method used is normative juridical with a statutory and conceptual approach, supported by case studies in several regions that are foreign investment locations. Data were obtained through a literature review of laws and regulations, legal literature, and relevant court decisions. The results of this study indicate that legal protection for local communities against foreign investor domination in investment projects in Indonesia is still not optimal, despite the existence of an adequate legal framework. The implementation of Law Number 25 of 2007 concerning Investment and Law Number 32 of 2009 concerning Environmental Protection and Management has not fully been able to ensure a balance between economic interests and community rights. The study found that various violations still occur, such as environmental pollution, eviction of customary land, and social marginalization, which are consequences of weak supervision and law enforcement. Furthermore, foreign investor dominance is reinforced by imbalances in economic and political power, a lack of information transparency, and limited public participation in the investment licensing and oversight process. However, there are opportunities to strengthen legal protection through capacity building of supervisory institutions, strengthening inter-agency coordination, implementing strict sanctions for violations, and active public involvement in every investment stage.
Competition Law: Antitrust and Market Protection Radea Respati Paramudhita
MAR-Ekonomi: Jurnal Manajemen, Akuntansi Dan Rumpun Ilmu Ekonomi Vol. 4 No. 01 (2026): Jurnal Manajemen, Akuntansi dan Rumpun Ilmu Ekonomi (MAR-Ekonomi), 2026
Publisher : SEAN Institute

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Competition law plays a strategic role in maintaining a healthy, fair, and competitive market. In Indonesia, competition regulations are stipulated in Law Number 5 of 1999 concerning the Prohibition of Monopolistic Practices and Unfair Business Competition, which aims to prevent market domination, protect consumers, and create fairness for all business actors, including small and medium enterprises. This study aims to analyze the effectiveness of the implementation of competition law and the challenges faced in its enforcement, particularly amidst the development of the digital economy. The research method used is normative juridical with a qualitative approach through a study of relevant laws and regulations, legal literature, and academic studies. The results indicate that although the legal framework for competition in Indonesia is quite comprehensive, its implementation still faces institutional obstacles, limited executive authority of the Business Competition Supervisory Commission (KPPU), and new challenges resulting from the dominance of platform-based digital companies. Therefore, regulatory strengthening, institutional capacity building, and adaptation of competition law are needed to effectively and sustainably respond to modern market dynamics.
The Effect of Tax Knowledge, Tax Rates, and Tax Sanctions on E-Commerce Taxpayer Compliance in Indonesia Radea Respati Paramudhita; Ivan Gumilar Sambas Putra
International Journal of Economics, Business and Innovation Research Vol. 5 No. 01 (2026): December - January, International Journal of Economics, Business and Innovatio
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v5i01.2787

Abstract

The rapid expansion of e-commerce has transformed business activities and posed new challenges for tax compliance, particularly among individual digital entrepreneurs operating in platform-based markets. This study aims to examine the effects of tax socialization, tax knowledge, taxpayer awareness, and tax sanctions on e-commerce taxpayer compliance by employing a quantitative explanatory approach. Primary data were collected through structured questionnaires from 80 individual e-commerce entrepreneurs operating on the Shopee marketplace in Bandung City, Indonesia, and analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) with SmartPLS 3.0. The results indicate that tax knowledge and taxpayer awareness have a positive and significant effect on taxpayer compliance, whereas tax socialization and tax sanctions do not significantly influence compliance behavior. These findings suggest that compliance in the digital economy is primarily driven by internal cognitive understanding and normative awareness rather than by external enforcement-oriented mechanisms. This study contributes to the accounting and taxation literature by reinforcing the relevance of behavioral perspectives, particularly compliance theory and the Theory of Planned Behavior, in explaining taxpayer behavior in digital business environments and provides practical implications for tax authorities to prioritize education- and awareness-based strategies supported by digital engagement to enhance voluntary compliance among e-commerce entrepreneurs.
Co-Authors Ivan Gumilar Sambas Putra