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Edukasi Hukum Dan Literasi Keuangan Digital Untuk Perlindungan Konsumen Pinjaman Online Legal Di Kelurahan Sungai Pelunggut Kecamatan Sagulung Kota Batam Hidayat, M Fajar; Suryadi, Suryadi; Nuraini, Lia; Rani, Marnia; Handrisal, Handrisal; Nainggolan, Ario Ardanis
Jurnal Pengabdian Masyarakat Bhinneka Vol. 4 No. 3 (2026): Bulan Februari
Publisher : Bhinneka Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58266/jpmb.v4i3.921

Abstract

Perkembangan teknologi informasi telah mendorong hadirnya layanan pinjaman online sebagai bagian dari inovasi financial technology (fintech) yang menawarkan kemudahan akses pembiayaan. Namun, kemudahan tersebut sering kali diikuti dengan berbagai permasalahan, terutama maraknya praktik pinjaman online ilegal yang merugikan masyarakat. Kondisi ini menunjukkan masih rendahnya literasi hukum dan keuangan digital di tingkat masyarakat. Kegiatan pengabdian masyarakat ini dilaksanakan dengan tujuan untuk meningkatkan pemahaman masyarakat Kelurahan Sungai Pelunggut, Kecamatan Sagulung, Kota Batam, terhadap aspek hukum dan perlindungan konsumen dalam penggunaan layanan pinjaman online legal. Metode yang digunakan meliputi edukasi hukum melalui ceramah interaktif, pelatihan literasi keuangan digital, serta simulasi mekanisme pengaduan ke Otoritas Jasa Keuangan (OJK) bagi konsumen yang dirugikan. Kegiatan diikuti oleh 40 orang peserta yang terdiri atas masyarakat umum, pelaku UMKM, dan ibu rumah tangga. Hasil kegiatan menunjukkan peningkatan signifikan dalam pengetahuan peserta terkait perbedaan pinjaman online legal dan ilegal, hak serta kewajiban konsumen, serta prosedur pengaduan hukum yang benar. Peserta juga menunjukkan antusiasme tinggi dalam mengikuti simulasi pelaporan kasus ke OJK dan pembentukan komunitas literasi keuangan digital tingkat kelurahan. Dengan demikian, kegiatan ini berhasil meningkatkan kesadaran hukum masyarakat sekaligus mendorong terciptanya perilaku finansial yang lebih bijak dan aman di era digital.
Protection and Intellectual Rights in Over-The-Top (OTT) Services: A Juridical Analysis of HBO Go Inconsistencies Indonesia Kaloko, Ilhamda Fattah; Putra, Rian Rusmana; Jacharia, Eka Yeremy Augie Putra; Nainggolan, Ario Ardanis
Mahadi: Indonesia Journal of Law Vol. 5 No. 01 (2026): Vol. 05 No. 01 (2026) February Edition 2026
Publisher : Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The rapid development of information and communication technology has significantly transformed public consumption patterns, particularly in accessing digital entertainment through internet-based services known as Over The Top (OTT) platforms. Services such as HBO Go operate through subscription-based models that provide flexible, on-demand access to audiovisual content; however, in practice, legal issues frequently arise, including inconsistencies between promised and delivered services and widespread violations of intellectual property rights through digital piracy. This article aims to (1) analyze the legal implications of service inconsistencies experienced by HBO Go users from the perspective of Indonesian consumer protection law, (2) examine the relationship between such inconsistencies and copyright protection in digital content distribution, and (3) evaluate the adequacy of Indonesia’s current regulatory framework in comprehensively governing OTT services. The study employs a normative legal research method using statutory, conceptual, and case approaches by analyzing relevant legislation, particularly Law Number 8 of 1999 concerning Consumer Protection and Law Number 28 of 2014 concerning Copyright, alongside factual cases involving consumer complaints related to access disruptions, unilateral subscription changes, lack of transparency, and digital content piracy, including the illegal distribution of the television series Game of Thrones. The findings indicate that service inconsistencies such as access disruptions, unilateral modifications of subscription packages, and inadequate information disclosure may constitute violations of consumer rights under Indonesian law, while the high prevalence of piracy reflects weaknesses in digital copyright enforcement, resulting in economic and moral losses for content creators and undermining the credibility of legitimate OTT platforms. The study concludes that Indonesia faces a regulatory gap in comprehensively governing OTT services, thereby necessitating the establishment of a specific and adaptive legal framework to ensure effective consumer protection, strengthen intellectual property enforcement, and promote a fair, transparent, and sustainable digital ecosystem.