cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Zaenal Arifin
Contact Email
zaenal@usm.ac.id
Phone
+6282242226898
Journal Mail Official
usmlawreview@usm.ac.id
Editorial Address
Jl. Soekarno - Hatta
Location
Kota semarang,
Jawa tengah
INDONESIA
JURNAL USM LAW REVIEW
Published by Universitas Semarang
ISSN : -     EISSN : 26214105     DOI : http://dx.doi.org/10.26623/julr.v2i2.2266
Core Subject : Social,
Social Sciences
Journal USM LAW REVIEW (JULR) is an academic journal for Legal Studies published by Master of Law, Semarang University. It aims primarily to facilitate scholarly and professional discussions over current developments on legal issues in Indonesia as well as to publish innovative legal researches concerning Indonesian laws and legal system. The focus and scope of this journal are legal problems in the fields of Criminal Law; Civil Law; Constitutional Law; International Law; Administrative Law; Islamic Law; Business Law; Medical Law; Environmental Law; Adat Law; Agrarian Law; Legal Philosophy.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 561 Documents
 48   49   50   51   52 
Transformasi Digital Sertifikat Tanah dan Respons Masyarakat Terhadap Penerapannya Mochammad Abyan Jagadhita
JURNAL USM LAW REVIEW Vol. 8 No. 3 (2025): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v8i3.12448

Abstract

This study examines the urgency of transforming conventional land certificates into electronic certificates in Indonesia, emphasizing legal certainty and public perception within the ongoing land digitalization process. The research addresses a notable gap in previous studies that rarely integrate legal and sociological dimensions, particularly regarding implementation challenges such as public resistance and limited technological literacy at the local level. Employing an empirical juridical method that combines interviews, field observations, and document analysis, the study finds that public acceptance of electronic land certificates is significantly shaped by digital literacy, accessibility to technology, regulatory clarity, and effective policy communication. The findings underscore that successful transformation requires not only robust legal protection of digital data but also continuous public education and institutional capacity strengthening. This research contributes both theoretically and practically by offering insights into designing inclusive and sustainable digital land administration policies in Indonesia.   Penelitian ini mengkaji urgensi transformasi sertifikat tanah konvensional menjadi sertifikat elektronik di Indonesia dengan menekankan pada aspek kepastian hukum dan persepsi masyarakat dalam proses digitalisasi pertanahan. Penelitian ini mengisi kesenjangan kajian terdahulu yang jarang mengintegrasikan dimensi hukum dan sosiologis, khususnya terkait tantangan implementasi seperti resistensi masyarakat dan rendahnya literasi teknologi di tingkat lokal. Dengan menggunakan metode yuridis empiris melalui wawancara, observasi lapangan, dan analisis dokumen, hasil penelitian menunjukkan bahwa penerimaan masyarakat terhadap sertifikat tanah elektronik sangat dipengaruhi oleh literasi digital, akses teknologi, kejelasan regulasi, serta efektivitas komunikasi kebijakan. Temuan ini menegaskan bahwa keberhasilan transformasi menuntut perlindungan hukum atas data digital, peningkatan edukasi publik, dan penguatan kapasitas kelembagaan. Secara teoretis dan praktis, penelitian ini memberikan kontribusi dalam merancang kebijakan administrasi pertanahan digital yang inklusif dan berkelanjutan di Indonesia.
Politik Kriminal Integratif dalam Penanggulangan Perjudian Onlinedi Indonesia Tri Cahyono Anggoro; Bambang Santoso
JURNAL USM LAW REVIEW Vol. 8 No. 3 (2025): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v8i3.12541

Abstract

  This study proposes an integrative criminal policy framework to address the growing phenomenon of online gambling in Indonesia. The rapid advancement of digital technology has increased the accessibility and complexity of cyber-based crimes, while existing legal instruments—particularly the Criminal Code and the Electronic Information and Transactions Law—remain inadequate and reactive. Using a normative juridical method with conceptual and legislative approaches, this research analyzes the weaknesses of current regulations and explores the necessity for a balanced combination of penal and non-penal strategies. The findings reveal that online gambling thrives due to outdated legal norms, weak institutional capacity, limited digital forensics, low public awareness, and a permissive social culture. Therefore, effective countermeasures require adaptive regulation, law enforcement reform, enhancement of digital literacy, and active community participation. The novelty of this research lies in its comprehensive integration of penal and non-penal approaches within a progressive criminal policy framework responsive to digital transformation. This integrative model contributes conceptually and practically to the development of adaptive national criminal law and promotes a balanced paradigm between punishment, prevention, and social restoration in combating digital crimes.   Penelitian ini mengusulkan kerangka politik kriminal integratif untuk menanggulangi maraknya fenomena perjudian online di Indonesia. Perkembangan teknologi digital yang pesat telah meningkatkan aksesibilitas dan kompleksitas kejahatan berbasis siber, sementara instrumen hukum yang ada—terutama KUHP dan Undang-Undang Informasi dan Transaksi Elektronik—masih bersifat reaktif dan belum adaptif. Dengan metode hukum normatif melalui pendekatan konseptual dan perundang-undangan, penelitian ini menganalisis kelemahan regulasi serta kebutuhan strategi komprehensif yang memadukan pendekatan penal dan non-penal. Hasil penelitian menunjukkan bahwa praktik perjudian online berkembang karena lemahnya substansi hukum, kapasitas aparat yang terbatas, rendahnya literasi digital masyarakat, serta budaya sosial yang permisif. Oleh karena itu, strategi penanggulangan efektif harus mencakup reformasi regulasi, penguatan kapasitas aparat, peningkatan literasi digital, dan partisipasi aktif masyarakat. Kebaruan penelitian ini terletak pada integrasi pendekatan penal dan non-penal dalam satu kerangka politik kriminal yang progresif dan adaptif terhadap transformasi digital. Model integratif ini memberikan kontribusi konseptual dan praktis bagi pengembangan hukum pidana nasional yang lebih responsif, seimbang antara pemidanaan, pencegahan, dan pemulihan sosial dalam menghadapi kejahatan digital.
Menyeimbangkan Perlindungan Paten dan Hak Konsumen Dalam Impor Paralel Obat di Indonesia Afrizal Akbar Fairuzaidan; Aang Asari
JURNAL USM LAW REVIEW Vol. 8 No. 3 (2025): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v8i3.12789

Abstract

The practice of parallel importation of medicines in Indonesia creates complex legal challenges due to the inconsistency between Article 160 of the Patent Law, which prohibits importation without authorization, and Article 167, which provides limited exceptions. This normative conflict has opened a regulatory loophole exploited by unauthorized distributors, resulting in the circulation of unregistered and unsafe medicines that violate consumer rights to safety and information. This study aims to analyze Article 167 of the Patent Law from the perspective of consumer protection and its compatibility with the principles of access to affordable and safe medicines. Employing a doctrinal legal research method with a normative and comparative approach, the study examines relevant statutory provisions, international instruments such as the TRIPS Agreement and the Doha Declaration, as well as BPOM enforcement data. The findings reveal that although Article 167 aligns with international flexibilities under TRIPS, its weak implementation and lack of clear regulatory mechanisms have undermined public safety and legal certainty. The study concludes that Article 167 requires reinterpretation and harmonization with the Consumer Protection Law to balance patent exclusivity and consumer welfare. The novelty of this research lies in its integrative analysis that places consumer rights at the core of patent law interpretation, offering a legal reconstruction to strengthen oversight, transparency, and accountability in Indonesia’s pharmaceutical regulation.   Praktik impor paralel obat di Indonesia menimbulkan tantangan hukum yang kompleks akibat ketidakkonsistenan antara Pasal 160 Undang-Undang Paten yang melarang impor tanpa izin dan Pasal 167 yang memberikan pengecualian terbatas. Konflik norma ini menciptakan celah hukum yang sering disalahgunakan oleh pelaku usaha tidak resmi, sehingga beredar obat tanpa izin edar dan tidak memenuhi standar BPOM, yang melanggar hak konsumen atas keamanan dan informasi yang benar. Penelitian ini bertujuan menganalisis Pasal 167 UU Paten dalam perspektif perlindungan konsumen serta menilai kesesuaiannya dengan prinsip akses obat yang terjangkau dan aman. Metode penelitian yang digunakan adalah yuridis normatif dengan pendekatan doktrinal dan komparatif, melalui kajian terhadap peraturan perundang-undangan, instrumen internasional seperti TRIPS Agreement dan Doha Declaration, serta data pengawasan BPOM. Hasil penelitian menunjukkan bahwa meskipun Pasal 167 selaras dengan fleksibilitas internasional TRIPS, lemahnya implementasi dan tidak adanya mekanisme pengawasan yang jelas telah mengakibatkan pelanggaran terhadap kepastian hukum dan perlindungan publik. Penelitian ini menyimpulkan bahwa Pasal 167 perlu direinterpretasi dan diselaraskan dengan Undang-Undang Perlindungan Konsumen untuk menyeimbangkan hak eksklusif paten dan kesejahteraan konsumen. Kebaruan penelitian ini terletak pada analisis integratif yang menempatkan hak konsumen sebagai pusat interpretasi hukum paten, serta menawarkan rekonstruksi hukum untuk memperkuat pengawasan, transparansi, dan akuntabilitas dalam regulasi farmasi di Indonesia.
Community-Based Restorative Justice for Offenders With Mental Disorders in Indonesia Isnawan, Fuadi
JURNAL USM LAW REVIEW Vol. 8 No. 3 (2025): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v8i3.12636

Abstract

This study analyzes the implementation of restorative justice in handling theft committed by individuals with mental disorders in rural Indonesia, focusing on its compatibility with human rights and social rehabilitation principles. The research was motivated by the recurring challenge of criminalizing mentally disordered offenders without adequate medical and social considerations, leading to ineffective deterrence and recurring offenses. Using a normative juridical method with a qualitative descriptive approach, the study examines statutory provisions, legal doctrines, and empirical practices involving the prosecution and correctional systems. The findings reveal that restorative justice offers an alternative framework that emphasizes accountability, rehabilitation, and social reintegration rather than punitive measures. However, its application remains inconsistent due to limited institutional understanding, a lack of coordination between law enforcement and mental health institutions, and inadequate legal infrastructure in rural areas. The novelty of this research lies in its integration of restorative justice with mental health protection as a model for humanizing criminal law enforcement. The study concludes that the restorative justice approach can effectively bridge the gap between criminal responsibility and medical treatment, thereby promoting a more humane, inclusive, and community-based justice system in Indonesia.
Perwujudan Restitutio in Integrum Sebagai Hak Anak Korban Tindak Pidana Sokhib Naim; Wahab Aznul Hidaya; Valentino Cirilo Sambang; Sabrin S. Hi Mustafa
JURNAL USM LAW REVIEW Vol. 8 No. 3 (2025): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v8i3.12668

Abstract

This study examines the implementation of restitution rights for child victims of sexual abuse in Islamic boarding schools, focusing on the Sorong District Court Decision No. 247/Pid.Sus/2023/PN Son. Using a normative juridical approach and descriptive-analytical method, the research evaluates the legal framework and practical challenges in enforcing restitution under Law No. 31 of 2014 on Witness and Victim Protection. The findings reveal that restitution remains largely symbolic, hindered by limited law enforcement understanding, the absence of a clear execution mechanism, and minimal state intervention. The study’s novelty lies in its analysis of restitution within religious educational institutions and its critique of the state’s weak commitment to victims’ recovery. Strengthening the LPSK’s role, formulating technical regulations, and ensuring state-funded compensation are recommended to transform restitution from a formal norm into a substantive realization of justice for victims of child sexual abuse.   Penelitian ini menganalisis implementasi hak restitusi bagi anak korban pelecehan seksual di pesantren dengan studi kasus Putusan Pengadilan Negeri Sorong Nomor 247/Pid.Sus/2023/PN Son. Menggunakan pendekatan yuridis normatif dan metode deskriptif-analitis, penelitian ini menilai kerangka hukum serta hambatan praktis dalam pelaksanaan restitusi berdasarkan Undang-Undang Nomor 31 Tahun 2014 tentang Perlindungan Saksi dan Korban. Hasil penelitian menunjukkan bahwa pelaksanaan restitusi masih bersifat simbolis karena terbatasnya pemahaman aparat penegak hukum, tidak adanya mekanisme eksekusi yang jelas, serta minimnya intervensi negara. Kebaruan penelitian ini terletak pada fokus kajian restitusi di lembaga pendidikan keagamaan dan analisis kritis terhadap lemahnya peran negara dalam pemulihan korban. Penelitian merekomendasikan penguatan peran LPSK (Lembaga Perlindungan Saksi dan Korban), perumusan regulasi teknis yang lebih operasional, serta penyediaan dana kompensasi negara agar restitusi benar-benar terwujud sebagai keadilan substantif bagi anak korban kekerasan seksual.
The Attorney General’s Discretion and the Constitutionalityof the Termination of Investigations in the Interest of State Revenue Guruh Wicahyo Prabowo; Wardana, Dodi Jaya; Toetik Rahayuningsih; Maradona Maradona
JURNAL USM LAW REVIEW Vol. 8 No. 3 (2025): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v8i3.12674

Abstract

This study examines the constitutionality and legal boundaries of the Attorney General’s discretion to terminate investigations in the interest of state revenue. The issue arises from the tension between fiscal policy objectives and the constitutional principles of legality, due process, and equality before the law. Using a normative juridical method with statutory, conceptual, and case approaches, the research analyzes the legal framework under Law No. 16 of 2004 as amended by Law No. 11 of 2021, the Criminal Procedure Code, and relevant jurisprudence. The findings indicate that while the Attorney General’s discretionary power to halt investigations can be justified to protect state finances, its implementation currently lacks clear statutory parameters, judicial oversight, and public transparency. This gap creates potential conflicts with constitutional guarantees and risks institutionalizing impunity. The study contributes novelty by constructing a constitutional framework for prosecutorial discretion that aligns fiscal interests with legal certainty and justice. It recommends legislative reform to establish explicit criteria, judicial review mechanisms, and accountability systems to ensure that the Attorney General’s discretion operates within the rule of law and upholds constitutional rights.
Klausula Eksonerasi dalam E-Commerce: Antara Kebebasan Berkontrak dan Penyalahgunaan Keadaan Dewa Kadek Kevin Patria; Abdul Rokhim
JURNAL USM LAW REVIEW Vol. 8 No. 3 (2025): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v8i3.12776

Abstract

This study analyzes the regulation and legal consequences of exoneration clauses in e-commerce contracts under Indonesian law, emphasizing the tension between freedom of contract and the doctrine of abuse of circumstances (misbruik van omstandigheden). The issue arises from the widespread use of standard clauses in digital contracts that often include exoneration clauses limiting business actors’ liability and harming consumers. Using a normative juridical method with statutory and conceptual approaches, this research examines the Civil Code (KUHPerdata), the Consumer Protection Law (UUPK), and the Electronic Information and Transactions Law (UU ITE). The findings show that exoneration clauses are legally invalid — both normatively (null and void by operation of law) and substantively (voidable due to defect of will) — because they are contrary to the principles of good faith and fairness. The study contributes novelty by positioning exoneration clauses not merely as contractual issues but as manifestations of structural inequality and coercion in electronic transactions. It proposes the reconstruction of legal norms to explicitly prohibit exoneration clauses that exploit consumer dependence while maintaining contractual freedom within ethical limits. Strengthening regulatory supervision and consumer protection mechanisms is crucial to ensure justice, balance, and public trust in Indonesia’s digital trade ecosystem.   Penelitian ini menganalisis pengaturan dan akibat hukum klausula eksonerasi dalam kontrak e-commerce menurut hukum positif Indonesia, dengan menyoroti ketegangan antara asas kebebasan berkontrak dan doktrin penyalahgunaan keadaan (misbruik van omstandigheden). Permasalahan ini muncul dari maraknya penggunaan klausula baku dalam kontrak digital yang kerap memuat klausula eksonerasi yang membatasi tanggung jawab pelaku usaha dan merugikan konsumen. Dengan menggunakan metode penelitian yuridis normatif melalui pendekatan perundang-undangan dan konseptual, penelitian ini menelaah KUHPerdata, Undang-Undang Perlindungan Konsumen (UUPK), serta Undang-Undang Informasi dan Transaksi Elektronik (UU ITE). Hasil penelitian menunjukkan bahwa klausula eksonerasi tidak sah baik secara normatif (batal demi hukum) maupun substantif (dapat dibatalkan karena cacat kehendak) karena bertentangan dengan asas iktikad baik dan keadilan. Kebaruan penelitian ini terletak pada pemaknaannya terhadap klausula eksonerasi bukan sekadar sebagai persoalan kontraktual, melainkan sebagai bentuk ketimpangan struktural dan pemaksaan dalam transaksi elektronik. Penelitian ini merekomendasikan rekonstruksi norma hukum untuk melarang secara tegas klausula eksonerasi yang mengeksploitasi ketergantungan konsumen, dengan tetap menjaga kebebasan berkontrak dalam batas etika. Penguatan regulasi dan mekanisme perlindungan konsumen menjadi penting untuk mewujudkan keadilan, keseimbangan, dan kepercayaan publik terhadap ekosistem perdagangan digital di Indonesia.    
Rekonstruksi Kode Etik Notaris: Menjawab Dilema Publikasi dan Promosi Jabatan di Era Digital Sari Dewi Adhistya Wandayani; Emmy Latifah; Anjar Sri Ciptorukmi Nugraheni
JURNAL USM LAW REVIEW Vol. 8 No. 3 (2025): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v8i3.12790

Abstract

This study analyzes the normative weaknesses of Article 4 paragraph (3) of the Notary Code of Ethics, which prohibits notaries from engaging in publication or promotion activities but remains ambiguous and unresponsive to the dynamics of the digital era. The ambiguity of this provision creates legal uncertainty and challenges the adaptation of notarial practices to the development of digital communication technologies. Using a normative juridical research method with statutory and conceptual approaches, this study examines the relationship between ethical restrictions and the growing need for transparency and public access to legal information. The findings reveal that the lack of clear distinctions between publication and promotion results in inconsistent enforcement and restricts notaries’ ability to educate the public. The study’s novelty lies in its proposal to reconstruct Article 4 paragraph (3) of the Notary Code of Ethics by incorporating explicit exceptions that allow notaries to use digital media for non-commercial educational purposes, thereby harmonizing professional integrity with technological advancement. The reconstruction is expected to strengthen legal certainty, support the proportional exercise of ethical rules, and enhance the accessibility of notarial services in the digital era.   Penelitian ini menganalisis kelemahan normatif Pasal 4 ayat (3) Kode Etik Notaris yang melarang notaris melakukan publikasi atau promosi jabatan, namun masih bersifat ambigu dan belum adaptif terhadap dinamika era digital. Ketidakjelasan norma tersebut menimbulkan ketidakpastian hukum dan menghambat kemampuan notaris untuk beradaptasi dengan perkembangan teknologi komunikasi digital. Dengan menggunakan metode penelitian yuridis normatif melalui pendekatan perundang-undangan dan konseptual, penelitian ini menelaah hubungan antara pembatasan etis dan kebutuhan masyarakat terhadap keterbukaan informasi hukum. Hasil penelitian menunjukkan bahwa tidak adanya pembedaan yang tegas antara publikasi dan promosi mengakibatkan inkonsistensi penerapan sanksi serta membatasi peran notaris dalam memberikan edukasi hukum kepada publik. Kebaruan penelitian ini terletak pada usulan rekonstruksi Pasal 4 ayat (3) Kode Etik Notaris dengan menambahkan klausul eksplisit yang memperbolehkan notaris memanfaatkan media digital untuk tujuan edukatif non-komersial, sehingga tercipta keseimbangan antara integritas profesi dan kemajuan teknologi. Rekonstruksi ini diharapkan memperkuat kepastian hukum, mendorong penerapan prinsip proporsionalitas dalam etika profesi, serta meningkatkan aksesibilitas layanan kenotariatan di era digital.
Kelalaian Pengembang Perumahan dan Kesenjangan Penegakan Hukum Atas Fasilitas Sosial dan Umum Rifayandhi, Muhamad Hanif; Kurniati, Nia; Zamil, Yusuf Saepul
JURNAL USM LAW REVIEW Vol. 8 No. 3 (2025): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v8i3.12838

Abstract

This study analyzes the legal enforcement gaps in housing developers’ obligations to provide and hand over social and public facilities (fasos/fasum) to local governments. The problem arises from the inconsistency between regulatory provisions and their implementation, which allows developers to neglect their legal duties without effective sanctions. Using a normative juridical method with statutory and conceptual approaches, this research examines the alignment between national housing regulations, regional government authority, and the enforcement mechanisms in Law No. 1 of 2011 on Housing and Settlement Areas. The findings show that weak supervision, unclear sanction procedures, and overlapping institutional authority have resulted in the ineffective enforcement of developers’ obligations, leading to losses in public welfare and urban infrastructure quality. The study’s novelty lies in its identification of structural weaknesses in housing law enforcement and the proposal of an integrated regulatory model that strengthens the coordination between central and local governments. This model aims to ensure legal certainty, public accountability, and sustainable urban development through consistent enforcement of developers’ social and public facility obligations.   Penelitian ini menganalisis kesenjangan penegakan hukum terhadap kewajiban pengembang perumahan dalam menyediakan dan menyerahkan fasilitas sosial serta fasilitas umum (fasos/fasum) kepada pemerintah daerah. Permasalahan muncul akibat ketidaksesuaian antara ketentuan normatif dan implementasi di lapangan yang menyebabkan banyak pengembang lalai memenuhi kewajibannya tanpa sanksi yang efektif. Menggunakan metode penelitian yuridis normatif dengan pendekatan perundang-undangan dan konseptual, penelitian ini menelaah keterkaitan antara peraturan perumahan nasional, kewenangan pemerintah daerah, dan mekanisme penegakan sebagaimana diatur dalam Undang-Undang Nomor 1 Tahun 2011 tentang Perumahan dan Kawasan Permukiman. Hasil penelitian menunjukkan bahwa lemahnya pengawasan, ketidakjelasan prosedur sanksi, dan tumpang tindih kewenangan antarinstansi mengakibatkan kewajiban pengembang tidak terlaksana secara efektif, yang berdampak pada penurunan kesejahteraan masyarakat dan kualitas infrastruktur perkotaan. Kebaruan penelitian ini terletak pada identifikasi kelemahan struktural dalam sistem penegakan hukum perumahan dan usulan model regulasi terpadu yang memperkuat koordinasi antara pemerintah pusat dan daerah. Model tersebut diharapkan dapat mewujudkan kepastian hukum, akuntabilitas publik, dan pembangunan perkotaan berkelanjutan melalui penegakan hukum yang konsisten terhadap kewajiban pengembang fasos dan fasum.  
Penetapan Harga Tunai dan Kredit Dalam Perspektif Hukum Perlindungan Konsumen Rama Prasja, Teguh; Kurniasih, Esy
JURNAL USM LAW REVIEW Vol. 8 No. 3 (2025): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v8i3.11871

Abstract

This study examines the legal implications of price disparities between cash and credit purchases and evaluates the extent of consumer protection within Indonesia’s regulatory framework. Using a normative juridical method with a statute and conceptual approach, this research analyzes laws, doctrinal sources, and secondary literature related to consumer protection and credit agreements. The findings show that price differences between cash and credit transactions are not explicitly prohibited by Law No. 8 of 1999 on Consumer Protection; however, the absence of clear norms on price transparency enables business actors to impose subjective and unequal price margins. Consumers often receive insufficient information regarding interest components, administrative fees, and risks embedded in credit schemes, while standard-form contracts further weaken their bargaining position. The study reveals a gap between normative protection and factual practices, in which institutional limitations of BPSK and the absence of preventive oversight by OJK contribute to legal uncertainty. The novelty of this research lies in proposing regulatory reform through explicit transparency obligations, expansion of OJK’s preventive supervisory role, and strengthening BPSK’s authority to impose administrative sanctions. These reforms are essential to ensure fairness, transparency, and legal certainty in credit-based sales transactions. Penelitian ini menganalisis implikasi yuridis terhadap perbedaan harga antara pembelian tunai dan kredit serta mengevaluasi tingkat perlindungan konsumen dalam kerangka regulasi di Indonesia. Metode yang digunakan adalah yuridis normatif dengan pendekatan perundang-undangan dan konseptual melalui telaah peraturan, doktrin, serta literatur yang relevan mengenai perlindungan konsumen dan perjanjian kredit. Hasil penelitian menunjukkan bahwa perbedaan harga tunai dan kredit tidak secara tegas dilarang dalam Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen; namun, ketiadaan norma eksplisit mengenai kewajiban transparansi harga membuka ruang bagi pelaku usaha untuk menerapkan selisih harga secara subjektif dan tidak merata. Konsumen umumnya tidak menerima informasi yang memadai mengenai bunga, biaya tambahan, maupun risiko kredit, sementara penggunaan kontrak baku semakin melemahkan posisi tawar mereka. Penelitian ini mengungkap adanya kesenjangan antara perlindungan normatif dan praktik faktual, diperparah oleh keterbatasan kewenangan BPSK dan belum optimalnya fungsi pengawasan preventif oleh OJK. Kebaruan penelitian ini terletak pada tawaran pembaharuan regulasi melalui kewajiban transparansi harga yang lebih tegas, perluasan fungsi pengawasan preventif OJK, serta penguatan kewenangan BPSK untuk menjatuhkan sanksi administratif. Reformasi ini penting untuk mewujudkan keadilan, transparansi, dan kepastian hukum dalam transaksi jual beli barang secara kredit.    

Page 50 of 57 | Total Record : 561

 48   49   50   51   52 

Filter by Year

2018 2026


Reset
Filter By Issues
All Issue Vol. 9 No. 1 (2026): - Vol. 8 No. 3 (2025): DECEMBER Vol. 8 No. 2 (2025): AUGUST Vol. 8 No. 1 (2025): APRIL Vol. 7 No. 3 (2024): DECEMBER Vol. 7 No. 2 (2024): AUGUST Vol. 7 No. 1 (2024): APRIL Vol. 6 No. 3 (2023): DECEMBER Vol. 6 No. 2 (2023): AUGUST Vol. 6 No. 1 (2023): APRIL Vol. 5 No. 2 (2022): NOVEMBER Vol. 5 No. 1 (2022): MAY Vol. 4 No. 2 (2021): NOVEMBER Vol. 4 No. 1 (2021): MAY Vol. 3 No. 2 (2020): NOVEMBER Vol. 3 No. 1 (2020): MAY Vol. 2 No. 2 (2019): NOVEMBER Vol. 2 No. 1 (2019): MAY Vol. 1 No. 2 (2018): NOVEMBER Vol. 1 No. 1 (2018): MAY More Issue