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Ali Masyhar
Faculty of Law, Universitas Negeri Semarang, Semarang
Humanities Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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The Protection Policies on Predatory Digital Credit Traps Students: Lessons from Indonesia Ali Masyhar; Pupung Purnawarman; Nunung Suryati; Sri Setyarini; Muhammad Azam
Journal of Human Rights, Culture and Legal System Vol. 6 No. 1 (2026): Journal of Human Rights, Culture and Legal System
Publisher : Contrarius Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53955/jhcls.v6i1.862

Abstract

This study examines the increasing practice of illegal online lending that targets university students and places them in financially vulnerable conditions. The rapid growth of digital lending services has expanded access to credit, but it has also enabled predatory schemes that exploit students with limited income and insufficient financial literacy. This research aims to analyze the factors that encourage student involvement in illegal online lending, identify the operational patterns adopted by unlawful lenders, and formulate effective measures for risk protection. The study uses a sociolegal approach that combines normative legal analysis with empirical data gathered through questionnaires and interviews with students. The findings show that, first, many students understand that online loans do not offer sustainable solutions to financial difficulties, yet many remain unable to distinguish lawful platforms from unlawful services. Second, financial pressure, immediate access to funds, persuasive digital promotion, and limited awareness of legal risks significantly increase student exposure to illegal lending. Third, illegal lenders impose excessive charges, misuse personal data, employ coercive collection methods, and generate financial instability, psychological distress, and declining academic performance. This study concludes that student vulnerability to illegal online lending reflects a structural problem that requires stronger regulation, university-based protection mechanisms, and continuous financial literacy programs.
Legitimacy of Social Justice in the Terrorism Regulations: Insight from Several Countries Ali Masyhar; Rohadhatul Aisy; Akhmedova Mehrinigor Bahodirovna; Gaini Mukhanova
BESTUUR Vol 12, No 1 (2024): Bestuur
Publisher : Administrative Law Departement Faculty of Law Universitas Sebelas Mare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/bestuur.v12i1.78576

Abstract

Indonesia continues to experience recidivist terrorism regularly as a result of the injustices it faces. As a result, it is critical to prioritize the legitimacy of social justice for both victims and perpetrators, as well as adopt a humanitarian approach to non-criminal terrorism to mitigate and avert criminal acts of terrorism. This research aims to analyze the legitimacy of social justice in counterterrorism environments. This research employs normative juridical research to compare the counterterrorism regulations of several countries that incorporate social justice legitimacy. The findings of this research show that, first, it is crucial to integrate procedural justice and legitimacy principles into counterterrorism initiatives to preserve public confidence in the justice system, prevent exploitation, and uphold human rights. Second, it is critical to compare other countries' terrorism regulations to understand and evaluate their strategies for enhancing international cooperation and preventing terrorist attacks. In response to persistent terrorist threats, the United Kingdom, Pakistan, and the European Union implemented more ambitious counterterrorism strategies and incorporated social justice into their policies. To achieve effective and socially just terrorism regulations, Indonesia must adopt regulations in these countries.
Co-Authors Akhmedova Mehrinigor Bahodirovna Gaini Mukhanova Muhammad Azam Nunung Suryati Pupung Purnawarman Rohadhatul Aisy Sri Setyarini