Claim Missing Document
Check
Articles

Found 2 Documents
Search
Journal : Law Development Journal

An Analysis of the State’s Role in Regulating and Supervising E-Money Providers as a Form of Digital Consumer Protection Wibowo, Andi Wisnu; Hariansah, Syafri
Law Development Journal Vol 7, No 2 (2025): June 2025
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ldj.7.2.182-195

Abstract

This research analyzes the state's role in regulating and supervising e-money providers in Indonesia as a form of digital consumer protection. The rapid development of financial technology has introduced various digital payment innovations, but also creates regulatory challenges and risks for consumers. This study evaluates the effectiveness of the regulatory framework implemented by Indonesian financial authorities in supervising e-money providers and identifies gaps in digital consumer protection mechanisms. The research employs a normative juridical approach with a comparative analysis of e-money regulations in other countries. The findings indicate that despite various regulations governing e-money, weaknesses remain in transactional supervision, consumer education, and digital dispute resolution. The research recommends strengthening the supervisory capacity of financial authorities, establishing integrated complaint handling mechanisms, and enhancing consumer digital literacy. These findings contribute to the development of a more adaptive regulatory framework centered on consumer protection within the evolving digital financial ecosystem.
The Urgency of Land Deed Officials (PPAT) Role in the Transfer of State-Owned Land Under A Legal Perspective Kurniawan, Edi; Hariansah, Syafri
Law Development Journal Vol 7, No 3 (2025): September 2025
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ldj.7.3.519-530

Abstract

The transfer of State-Owned Assets (BMN) in the form of land is a legal process that must comply with administrative and land law regulations. The issue of an authentic deed by a Land Deed Official (PPAT) is an essential instrument in the transfer of land rights. This study seeks to analyze the legal ramifications of conducting the process without a PPAT deed and to assess the importance of PPAT in validating property rights transfers, including BMN. The applied research methodology is normative juridical, utilizing a statutory and case study approach. The results demonstrate that the conveyance of land rights does not comply with the legal stipulations set forth by national land laws in the absence of a deed executed by a PPAT, which may lead to disputes and financial losses for the state. This report promotes the strengthening of regulations mandating PPAT involvement in all BMN land transfers to ensure legal certainty and protect state interest.