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Pertanggungjawaban Hukum dalam Perjanjian Kredit Perbankan terhadap Debitur Wanprestasi Ridha, Irfan; Hanif, Iqhwatul; Vivian, Lili; Triana, Melia; Irsal, Muhammad; Ramadhan, Rafli; Marlina, Yeni; Nadila, Nadla
Jurnal Hukum dan Demokrasi (JHD) Vol 24 No 2 (2024): Hukum dan Demokrasi (HD)
Publisher : Sekolah Tinggi Ilmu Hukum Prof Gayus Lumbuun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61234/hd.v24i2.54

Abstract

Humans are social creatures who depend on mutual assistance to achieve their goals. Effective communication is essential to convey one's thoughts and emotions to others. Relationships can also form between individuals and financial institutions such as banks, where individuals have the opportunity to request loans and credit. However, borrowers often fail to fulfill their obligations and as a result face fines for late payments. The lack of self-confidence resulting from these lies makes it more difficult for a person to face the legal consequences of their actions. This investigation focuses on the legal consequences of bank credit agreements and the legal obligations that arise if the debtor fails to pay. This article seeks to provide a thoughtful explanation of the procedures required in recovering a failed debit transaction and the legal obligations that arise as a consequence. The research methodology used is a combination of a normative juridical approach and descriptive elements. The findings of this research are based on legal interpretations of banking laws and the legal responsibilities involved in resolving issues related to failed debit card payments. Mediation is an alternative to direct negotiations between disputing parties, which aims to facilitate resolution. If the mediation process is unsuccessful in resolving the dispute, the next action is to hand the case over to a judge to be resolved according to the agreement between the parties.
Pentingnya Perlindungan Konsumen dalam Transaksi Jual Beli Elpha, Meriza; Sofiani , Dwi; Hanif, Ihwatul; Vivian, Lili; Febdillah, Riza
Jurnal Hukum dan Demokrasi (JHD) Vol 24 No 2 (2024): Hukum dan Demokrasi (HD)
Publisher : Sekolah Tinggi Ilmu Hukum Prof Gayus Lumbuun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61234/hd.v24i2.55

Abstract

Buying and selling is a common activity in Indonesian society, and every day there are people involved in buying and selling transactions. Buying and selling refers to a transaction between a seller, who is usually a business actor, and a buyer, who is a consumer. In the buying and selling process, consumers often face problems or losses. Therefore, Indonesia has issued a consumer protection law to protect consumer rights. The problems faced by consumers are not limited to selecting goods alone, but involve more complex problems related to the awareness of all parties, including business actors and consumers, about the importance of consumer protection. The aim of implementing, developing and regulating consumer protection is to increase consumer dignity and awareness. More than that, it also aims to encourage business actors not to abuse their business practices and act responsibly. It is important for consumers to realize that they have rights protected by the Consumer Protection Law, so that they can exercise social control over the behavior and business practices of business actors and the government. This research uses socio-legal research methods that adopt an interdisciplinary approach or a "hybrid" approach that combines aspects of sociological research with a normative approach that applies qualitative analysis. The results of this article state that consumer protection law has great significance in the context of buying and selling activities. For business actors, this law is important because it provides clear guidelines regarding permitted practices and prohibits actions that could harm consumers. Meanwhile, for consumers, consumer protection laws are also important because they provide security guarantees when they are involved in buying and selling transactions