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All Journal Jurnal Pengabdian Masyarakat dan Riset Pendidikan
Melani Darman
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Humanities Education Languange, Linguistic, Communication & Media Mathematics Other

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Klausula Baku & Konsumen: Keadilan Kontrak di Era Belanja Online (Studi Kasus Shopee): Penelitian Cahyani Ramadanti; Melani Darman
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.4638

Abstract

The rise of digital transactions has made click wrap agreements the primary form of agreement on e-commerce platforms, including Shopee. Click wrap agreements require users to agree to terms that have been unilaterally determined, with the entire agreement consisting of standard clauses. However, the existence of standard clauses raises doubts about the protection of consumer rights. This study is based on two main questions, namely whether Shopee's click wrap agreement provides adequate protection for consumer rights, and how legal measures can be applied to strengthen such protection in the context of the standard clauses used by the platform. The method used is a normative juridical approach accompanied by a Shopee consumer questionnaire. The results of the study show that there are liability limitation clauses that have the potential to harm consumers and are not in line with the Consumer Protection Law, as well as information that is difficult to understand. Therefore, improvements in the presentation of agreements, more effective supervision, and legal mechanisms that support consumer protection are needed.
Pertanggungjawaban Hukum Platform Pinjaman Online Terhadap Kerugian Konsumen Akibat Pelanggaran Etika Penagihan: Penelitian Sachwana Deva Kamil; Melani Darman
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.4639

Abstract

The development of fintech has brought significant changes and utilized technology to improve efficiency, such as in investment services, online loans, and digital payments, all of which provide convenience for the public. In addition, there are still many legal and social issues that cannot be ignored, such as frequent violations of collection ethics, both directly by fintech platforms and through third parties (debt collectors). Legally, these violations give consumers the right to sue. This situation indicates a discrepancy between the applicable laws and their implementation in society. This study formulates two main issues: (1) how are the laws related to ethical debt collection in online lending services in Indonesia regulated, and (2) what factors cause unethical debt collection practices to continue despite the existence of regulations. The method used was normative juridical with a regulatory and conceptual approach, including provisions in the Consumer Protection Law, OJK regulations, and ethical guidelines for debt collection. The results of the study show that even though rules are in place and enforced, there are still legal loopholes in social and regulatory factors that contribute to violations. From a regulatory perspective, there is an emphasis on administrative sanctions, so that violations that actually constitute criminal offenses cannot be punished with administrative sanctions alone. From a social perspective, there is a lack of public awareness regarding their rights.
Co-Authors Cahyani Ramadanti Sachwana Deva Kamil