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All Journal Outline Journal of Community Development International Journal for Advanced Research
Juliya Maria
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Legal Assistance for the Community in Drafting Legally Valid Deeds and Agreements salim; Junaidi Lubis; Irma Herliza Rizki; Juliya Maria
Outline Journal of Community Development Vol. 2 No. 1: July 2024
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/b9cq1g78

Abstract

This activity uses a qualitative approach with empirical studies to analyze the problems faced by the community in preparing deeds and agreements and to evaluate the effectiveness of the legal assistance program provided. Data were collected through interviews, observations, and documentation studies. The results of the study indicate that the majority of the community has a limited understanding of the requirements for the validity of an agreement and the differences between authentic deeds and private deeds. Legal assistance carried out through education and consultation has been proven to increase community understanding and change the pattern of preparing agreements to be more in accordance with legal provisions. However, challenges such as limited legal personnel and access to services are still major obstacles. To increase the effectiveness of this program, it is recommended to establish a community-based legal service center and utilize digital technology for legal consultations. Thus, it is hoped that legal assistance can increase public awareness and access to better quality legal services.
Legal Protection for Fintech Consumers Trapped in Debt Due to High Interest (Illegal Loans) Chairus Suryati; Debi Masri; Leni Indrayani; Juliya Maria; Sattar Rasul
International Journal of Advanced Research Vol. 2 No. 1: June 2025
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/m0wm7x59

Abstract

The rapid development of financial technology (fintech) has increased public access to financial services, especially through online lending platforms. However, this advancement also brings significant legal challenges, particularly in consumer protection. Many individuals have become trapped in debt due to exorbitant interest rates imposed by illegal lenders operating without official licenses and often engaging in abusive collection practices. This research aims to analyze the legal protection available to fintech consumers victimized by illegal high-interest lending and to evaluate the effectiveness of existing regulations, including POJK 77/2016 and other consumer protection frameworks. The study employs a normative juridical approach with qualitative analysis of legislation, court decisions, and case studies. The findings reveal that the current legal framework is insufficient in providing both preventive and repressive protection for consumers. Weak oversight of illegal fintech operators and low financial literacy among the public are key factors behind the ineffectiveness of consumer protection. Regulatory reform, stricter law enforcement, and public education are urgently needed to ensure comprehensive protection for fintech consumers.
Co-Authors Chairus Suryati Debi Masri Irma Herliza Rizki Junaidi Lubis Leni Indrayani Salim Sattar Rasul