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All Journal Konsensus: Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi
Shabrina Najla Ingga Jayasti
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Social Sciences

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Analisis Hukum Perdata terhadap Keabsahan dan Pembuktian Tanda Tangan Digital Serta Pertanggungjawaban Platform E-Wallet dalam Transaksi E-Commerce As-Sifa Pebrianti; Ardhita Aulia Utari; Salwa Fauziyah Anwar; Shabrina Najla Ingga Jayasti
Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi Vol. 2 No. 6 (2025): Desember : Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi
Publisher : Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/konsensus.v2i6.1433

Abstract

The rapid development of digital technology has significantly transformed financial transactions in Indonesia, particularly through the growing use of e-wallets as practical and efficient payment tools. In a country with a Muslim-majority population, ensuring that e-wallet services comply with Islamic principles—free from riba, gharar, and maysir—is essential. This study aims to analyze Indonesia’s legal politics in regulating the use of e-wallets within the Islamic financial system and to assess their alignment with sharia principles. This research employs a normative juridical method with a qualitative descriptive approach by examining laws, regulations, and fatwas related to sharia-based fintech. The findings indicate that the Indonesian regulatory framework—through the OJK, Bank Indonesia, and DSN-MUI—has attempted to harmonize policies to support sharia-compliant digital financial services. However, several challenges remain, including limited e-wallet platforms with sharia certification, low digital sharia literacy among users, and the absence of detailed technical regulations specific to sharia e-wallet operations. This study recommends strengthening regulatory guidelines, increasing public literacy, and enhancing collaboration between regulators and the fintech industry to promote the development of sharia-compliant e-wallets that are secure, innovative, and aligned with Islamic financial principles.
Tinjauan Yuridis terhadap Penerapan Ganti Rugi Akibat Wanprestasi Debitur dalam Perjanjian Kredit As-Sifa Pebrianti; Salwa Fauziyah Anwar; Ardhita Aulia Utari; Shabrina Najla Ingga Jayasti
Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi Vol. 3 No. 3 (2026): Juni: Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi
Publisher : Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/konsensus.v3i3.1799

Abstract

A credit agreement is a common legal instrument in banking and financing activities that regulates the rights and obligations of creditors and debtors. In practice, debtor default often occurs when payment obligations are not fulfilled, fulfilled late, or performed contrary to the agreed terms, causing losses to creditors. This study analyzes the application of compensation for debtor default in credit agreements based on Article 1243 of the Indonesian Civil Code and examines legal remedies available to creditors. This research uses a normative legal method with statutory and case approaches. Data were obtained through library research, including legislation, legal literature, scholarly journals, and relevant court decisions. The results show that compensation claims may be submitted when there is a valid agreement, a proven breach of contract, a formal notice of default, and losses that have a direct causal relationship with the debtor’s breach. Compensation may include costs, damages, and interest. Creditors may pursue settlement through litigation or non-litigation mechanisms, including credit restructuring. Therefore, compensation for breach of contract functions as legal protection for creditors, strengthens legal certainty, and maintains a balance of rights and obligations between parties in credit agreements in resolving credit disputes fairly, proportionally, and in accordance with law.
Co-Authors Ardhita Aulia Utari As-Sifa Pebrianti Salwa Fauziyah Anwar