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All Journal Al-Zayn: Jurnal Ilmu Sosial & Hukum Jurnal Riset Sosial Humaniora dan Pendidikan
Naswa Fiolla Anggraini
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Perlindungan Hukum Bagi Korban KSPPS BMT Citra Mandiri Syariah Dan Pertanggungjawaban Terhadap Barang Bukti Yang Disita Negara: (Studi Kasus Putusan PN Jepara Nomor 102/Pid.Sus/2020/PN Jpa) Aesa Rizki Ramadan; Angela Maranatha Sibarani; Bella Fistya Asherli; Hanan Anisyah Sutopo; Luhty Yustika; Naswa Fiolla Anggraini; Rosalia Eka Kurnia Nurcahyani; Yusuf David Christover Lumban Gaol
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 1 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i1.4327

Abstract

Koperasi memiliki peran strategis dalam sistem perekonomian nasional, khususnya dalam penghimpunan dan penyaluran dana bagi anggota. Namun, penyimpangan terjadi ketika koperasi menghimpun dana dari masyarakat non-anggota tanpa izin, sehingga menimbulkan kerugian dan persoalan hukum. Penelitian ini bertujuan untuk menganalisis perlindungan hukum bagi masyarakat korban penghimpunan dana ilegal serta menilai pengembalian barang bukti dalam putusan pengadilan ditinjau dari prinsip keadilan restoratif. Penelitian ini menggunakan metode penelitian hukum normatif dengan pendekatan perundang-undangan dan pendekatan kasus, melalui kajian terhadap Putusan Pengadilan Negeri Jepara Nomor 102/Pid.Sus/2020/PN Jpa dan peraturan perundang-undangan terkait. Hasil penelitian menunjukkan bahwa pengurus Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) BMT Citra Mandiri Syariah terbukti menghimpun dana masyarakat tanpa izin Otoritas Jasa Keuangan, sehingga memenuhi unsur tindak pidana menjalankan usaha lembaga keuangan mikro tanpa izin. Putusan hakim yang memerintahkan pengembalian sebagian barang bukti kepada korban mencerminkan adanya perlindungan hukum, namun belum sepenuhnya memenuhi prinsip keadilan restoratif karena tidak seluruh kerugian korban dapat dipulihkan.
Tanggung Jawab Hukum Platform Pinjaman Online terhadap Penyalahgunaan dan Penyebaran Data Pribadi Konsumen secara Ilegal Naswa Fiolla Anggraini; Sidi Ahyar Wiraguna
RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan Vol. 3 No. 3 (2025): Mei: RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan
Publisher : Asosiasi Ilmuwan Pendidikan, Sosial, dan Humaniora Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/risoma.v3i3.767

Abstract

This study aims to analyze the legal responsibilities that can be imposed on online lending platform organizers for the misuse and illegal distribution of consumer personal data. With the rapid development of the online lending industry, the issue of protecting consumer personal data has become a very important issue. Misuse of personal data can have serious impacts on consumers, including identity theft and financial loss. Therefore, this study examines the forms of legal responsibilities that can be applied, such as administrative, criminal, and civil responsibilities, as well as the obstacles faced in their implementation. This study uses a normative approach with an analysis of applicable regulations, namely the Personal Data Protection Law (UU PDP), the Electronic Information and Transactions Law (UU ITE), and other related regulations. Data were obtained through a literature review covering relevant laws and regulations, journals, articles, and case studies. The results of the study indicate that online lending platform organizers can be subject to three forms of legal responsibilities. Administrative responsibilities include sanctions imposed by supervisory authorities such as the Financial Services Authority (OJK) and the Personal Data Protection Agency (BPDP). Criminal responsibilities can be in the form of imprisonment and fines for those who violate provisions related to personal data protection. Civil liability gives consumers the right to file a lawsuit for losses caused by a breach of their personal data. This study also identified various obstacles in implementing legal liability, such as lack of awareness of organizers, difficulties in supervision, and legal loopholes in user agreements.
Co-Authors Aesa Rizki Ramadan Angela Maranatha Sibarani Bella Fistya Asherli Hanan Anisyah Sutopo Luhty Yustika Rosalia Eka Kurnia Nurcahyani Wiraguna, Sidi Ahyar Yusuf David Christover Lumban Gaol