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Jurnal Ilmiah Dunia Hukum
Published by Universitas 17 Agustus 1945 Semarang
ISSN : 25286137     EISSN : 27210391     DOI : -
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Jurnal Ilmiah Dunia Hukum (JIDH) diterbitkan oleh Program Studi Hukum Program Doktor Fakultas Hukum Universitas 17 Agustus 1945 Semarang. JIDH merupakan e-jurnal sebagai media publikasi bagi akademisi, peneliti, dan praktisi dalam menerbitkan artikel ilmiah di bidang isue hukum kontemporer. Ruang Lingkup jurnal ini meliputi kajian hukum Pidana, Perdata, Tata Negara, Administrasi Negara, Hukum Internasional, Hak Asasi Manusia, Hukum Adat, dan Hukum Lingkungan.
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Articles 102 Documents
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Legal Analysis of Marriage Agreements After the Constitutional Court Decision Number 69/PUU-xiii/2015 Munawar Arbiyanto; Wahyudi Wahyudi; Ari Nugroho W.; Agung Setya Nugraha; Dewi Sulisyaningsih
Jurnal Ilmiah Dunia Hukum VOLUME 10 ISSUE 1 OCTOBER 2025
Publisher : PDIH Untag Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/jidh.v10i1.6791

Abstract

This study aims to analyzes changes in the legal status and legal protection of prenuptial agreements before and after Constitutional Court Decision Number 69/PUU-XIII/2015. A comparative approach is used to evaluate the impact of this decision on the regulation of joint property, the rights and obligations of husband and wife, and the legal validation mechanism and legal protection for injured parties. The results show that the Constitutional Court decision expanded freedom of contract by allowing prenuptial agreements to be drawn up during the marriage, thereby strengthening flexibility and legal certainty. Furthermore, the validation mechanism now involves notaries and courts to ensure legality and protection for the weaker party and children. The implications of this decision not only increase justice and gender equality in marriage but also positively impact the business and banking worlds through the separation of personal and joint property. However, challenges such as a lack of publicity and technical guidelines still need to be addressed for this decision to be optimally implemented in family law practice in Indonesia.
Legal Protection for MSMEs as Borrowers in Peer-to-Peer Fintech Lending under on OJK Regulation Number 77/POJK.01/2016 Christmas Petra Keppy; Aurora Jillena Meliala
Jurnal Ilmiah Dunia Hukum VOLUME 10 ISSUE 1 OCTOBER 2025
Publisher : PDIH Untag Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/jidh.v10i1.6778

Abstract

The development of fintech Peer-To-Peer (P2P) lending services in Indonesia has opened up faster, more flexible, and affordable access to financing for Micro, Small, And Medium Enterprises (MSMEs), but has also given rise to problems of high interest rates, over-indebtedness, and imbalances in borrower bargaining power compared to providers. This study examines the form of legal protection for MSMEs as borrowers in fintech P2P lending services based on POJK Number 77/POJK.01/2016 and the development of interest limit regulations through the AFPI code of ethics, SEOJK Number 19/SEOJK.06/2023, and POJK Number 4/2024. The method used is normative legal research with a normative juridical approach, based on analysis of laws and regulations, literature, and secondary data related to P2P lending practices. The results show that POJK 77/2016 initially only provided preventive and repressive protection based on transparency and complaint mechanisms without explicit interest limits, so it is insufficient to suppress excessive interest practices and total costs. The shift to price-based regulation through formal interest caps strengthens legal protection for MSMEs by limiting the maximum daily economic benefit and total costs, reducing the risk of predatory practices and over-leverage, while maintaining P2P lending’s role as an alternative source of financing for MSMEs.

Page 11 of 11 | Total Record : 102

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