scholarly journals CONSUMER PROTECTION AND RESPONSIBILITY OF BUSINESS ACTORS IN ELECTRONIC TRANSACTIONS (E-COMMERCE)

2019 ◽  
Vol 2 (2) ◽  
pp. 213
Author(s):  
Dian Maris Rahmah ◽  
Susilowati Suparto
Keyword(s):  
Consumer Protection ◽  
Electronic Transactions

scholarly journals PERLINDUNGAN HUKUM PADA TINDAK PIDANA E-COMMERCE

2019 ◽  
Vol 18 (2) ◽  
pp. 215
Author(s):  
Dewi Setyowati ◽  
Candra Pratama Putra ◽  
Ramdhan Dwi Saputro
Keyword(s):  
Electronic Commerce ◽  
Consumer Protection ◽  
Legal Protection ◽  
Legal Basis ◽  
Electronic Evidence ◽  
Consumer Protection Act ◽  
Consumer Rights ◽  
Correct Information ◽  
Electronic Transactions ◽  
The Right

<p class="Normal1"><em>In executing a transaction to buy goods or services online, are required to be clear that the information will not cause consumers to lose. In terms of protecting the consumer, in Act No. 8 of 1999 on Consumer Protection, hereinafter called the Consumer Protection Act are one of the rights that are consumers, namely the right to correct information, clear and honest about the condition and guarantee of the goods and / or services , Then the rights for compensation, restitution and / or compensation, if the goods and / or services received are not in accordance with the agreement or not as it should be. This paper raises issues about how the legal protection of fraud in electronic commerce(e-commerce).The author will describe the victim in electronic commerce according to the study of victimology, the obligation of businesses on the products that will be offered electronically, protection of consumer rights in the conduct of electronic transactions and witnesses of crime that can catch the perpetrators of fraud in electronic transactions. Be consumers must be careful in making transactions although there has been a real UU ITE greatly assist consumers in electronic transactions and utilization activities in the field of information technology and telecommunications (ICT). Previously this sector has no legal basis, but is now increasingly clear that other forms of electronic transactions can now be used as a legitimate electronic evidence.</em></p><em><br /></em>

scholarly journals Perlindungan Bagi Hak Konsumen dan Tanggung Jawab Pelaku Usaha Dalam Perjanjian Transaksi Elektronik

2017 ◽  
Vol 1 (3) ◽  
pp. 46-64
Author(s):  
Desy Ary Setyawati ◽  
Dahlan Ali ◽  
M. Nur Rasyid
Keyword(s):  
Consumer Protection ◽  
The State ◽  
Electronic Systems ◽  
Legal Certainty ◽  
Goods And Services ◽  
Consumer Rights ◽  
Correct Information ◽  
Electronic Transactions ◽  
Commercial Transaction ◽  
Legal Relief

Transaksi elektronik adalah  suatu transaksi perdagangan atau perniagaan baik berupa penyebaran, pembelian, penjualan, pemasaran barang dan jasa dengan menggunakan media elektronik yang terhubung melalui internet. Dengan adanya transaksi elektronik sangat menguntungkan bagi pihak konsumen dalam memilih berbagai jenis barang namun pelanggaran hak-hak konsumen sangat memungkinkan terjadi  mengingat transaksi elektronik mempunyai karakteristik yang berbeda dengan transaksi konvensional. Untuk itu diperlukannya perlingan hukum terhapa konsumen dalam jual beli barang yang mengandung unsure penyalahgunaan keadaan yang dihubungkan dengan Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen (UUPK). Penyalahgunaan keadaan yang sering dilakukan oleh pihak pelaku usaha adalah melanggar Pasal 4 UUPK tentang hak-hak konsumen. Penyalahgunaan keadaan juga dapat dilakukan oleh pihak pelaku usaha dengan mencantumkan klausula baku tidak sesuai dengan Pasal 18 UUPK tentang larangan pencantuman klausula baku.  Akibat dari penyalahgunaan keadaan dari pihak pelaku usaha mengakibatkan pihak konsumen mengalami kerugian dan mengakibatkan terjadinya wanprestasi. Selain UUPK dalam transaksi elektronik mengenai perlindungan terhadap konsumen juga diatur dalam Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik (UUITE). UUITE menjelaskan tentang tanggung jawab pelaku usaha terhadap konsumen yang terdapat dalam Pasal 9 UUITE yang menyatakan bahwa,” Pelaku usaha yang menawarkan produk melalui sistem elektronik harus menyediakan informasi yang lengkap dan benar berkaitan dengan syarat kontrak, produsen, dan produk yang ditawarkan”. Pasal ini menjelaskan tanggung jawab pelaku usaha dalam memberikan informasi yang sebenarnya mengenai toko online miliknya dan informasi terkait pencantuman klausula baku untuk menghindari terjadinya wanprestasi antara pihak konsumen dan pelaku usaha. Dalam kondisi seperti ini sepatutnya negara hadir terutama dalam wujud hukum yang mengatur dan memberi perlindungan kepada konsumen, seperti yang dijelaskan dalam Pasal 1 angka 1  UUPK menyebutkan bahwa Perlindungan Konsumen adalah segala upaya yang menjamin adanya kepastian hukum untuk memberi perlindungan kepada konsumen.Electronic transaction is a trading or commercial transaction in the form of distributing, purchasing, selling, marketing of goods and services by using electronic media connected via internet. With the electronic transaction is very beneficial for the consumer in choosing various types of goods but violations of consumer rights is possible because electronic transactions have characteristics different from conventional transactions. Therefore, the need for legal relief on consumers in buying and selling of goods containing elements of misuse of the circumstances associated with the Act Number 8, 1999 concerning Customer Protection (UUPK). Abuse of the state that is often done by the business actor is violating Article 4 UUPK concerning consumer rights. Abuse of the situation can also be done by the business actor by stating the standard clause does not comply with Article 18 UUPK about the ban on the inclusion of the standard clause. As a result of misuse of the circumstances of the business actors resulted in the consumer losses and resulted in a default. In addition to UUPK in electronic transactions concerning consumer protection is also regulated in the Information and Electronic Transaction Act (UUITE). UUITE explains the business actors' responsibility to consumers contained in Article 9 UUITE states that, "Business actors offering products through electronic systems must provide complete and correct information relating to the terms of contracts, producers and offered products". This Article describes the responsibility of business actors in providing actual information about their online store and information related to the inclusion of standard clauses to avoid the occurrence of wanprestasi between the consumer and business actor. Under these circumstances, the state should be present primarily in the form of laws that regulate and provide protection to consumers, as described in Article 1 point 1 UUPK mention that Consumer Protection is any effort that ensures legal certainty to provide protection to consumers.

scholarly journals Perlindungan Hukum Terhadap Penggelapan Uang Elektronik Dalam Transaksi Elektronik

2019 ◽  
Vol 18 (3) ◽  
pp. 27-39
Author(s):  
Mazmur Septian Rumapea
Keyword(s):  
Consumer Protection ◽  
Legal Protection ◽  
Electronic System ◽  
Electronic Payment ◽  
Payment Systems ◽  
Payment Methods ◽  
Electronic Transactions ◽  
Consumer Electronic ◽  
Legal Subjects

The development of payment methods in electronic transactions, has  recently developed and is very advanced, namely by using technology that is fast and up-to-date, so that it can be done more easily and flexibly. The implementation of electronic payment systems must be safe and protected physically (hardware / software) and non-physical (communication), have the ability in accordance with the specifications, and there are legal subjects who are legally responsible for the operation of the electronic system. Legal protection for consumers of online applications for electronic transactions cannot be fulfilled in the Consumer Protection Act.Keywords : Legal, Consumer, Electronic Transaction Protection

scholarly journals CONSUMER PROTECTION IN ELECTRONIC CONTRACTS: THE CASE OF INDONESIA

2017 ◽  
Vol 2 (1) ◽  
pp. 159
Author(s):  
Erni Agustin ◽  
Faizal Kurniawan
Keyword(s):  
Consumer Protection ◽  
Government Regulation ◽  
Electronic System ◽  
Electronic Contracts ◽  
Domestic Trade ◽  
Electronic Transactions ◽  
Border Trade ◽  
The Law ◽  
Asean Economic Community ◽  
Domestic Products

This paper aims to provide insights into the consumer protection in e-commerce in Indonesian context. In 2015, ASEAN Economic Community (AEC) which includes Indonesia as a member, was established for a regional economic integration by reducing the transactions costs of trade, improving trade and business facilities, as well as enhancing the competitiveness of Small and Medium-Sized Enterprises sector. AEC is expected to promote electronic transactions. Even though Indonesia has the Law Number 8 Year 1999 on Consumer Protection, this law does not regulate specifically on electronic transactions. In response to this limitation, Indonesia has issued the Law Number 11 Year 2008 on Information and Electronic Transactions and Government Regulation Number 82 Year 2012 on the Implementation of Systems and Electronic Transactions. This is followed by enactment of Law Number 7 Years 2014 on Trade, which regulates general domestic trade, foreign trade, border trade and commerce through the electronic system. The law aims to stem the flood of products imported into Indonesia so that the use of domestic products can be increased. This paper concludes that legislations which regulate consumer protection in electronic transactions are still inadequate thus Indonesia is not fully ready to deal with the consumer protection in e-commerce. Keywords: Electronic contracts, consumer protection, Indonesia, ASEAN Economic Community.Cite as: Agustin, E. & Kurniawan, F. (2017). Consumer protection in electronic contracts: The case of Indonesia. Journal of Nusantara Studies, 2(1), 159-169.

scholarly journals Personal Liability For Loss Of Business Of Consumer In Electronic Transaction Using The Standard Contract

2016 ◽  
Vol 1 (2) ◽  
Author(s):  
Abdul Halim Barakatullah
Keyword(s):  
Consumer Protection ◽  
Legal Protection ◽  
Standard Contract ◽  
Electronic Transactions ◽  
Consumer Contracts ◽  
Business To Consumer ◽  
Personal Liability ◽  
Made In

Standard contract in electronic transactions in the business-to-consumer as contractonline is offered by business actor to consumers in the form of ‘take it or leave it’. Almostall standard contracts in electronic transaction cannot be negotiated. These contracts arebusinesses utilized to circumvent and ignore the rights of electronic consumers. This electronictransaction has its own characteristics when compared to conventional transactions. Basedon the principle of contract freedom, then the contract can be made in any form and bindingas law for the parties. Therefore the consumer protection should be equated with consumerconducting transactions conventionally. Under the provisions of UUPK stated that businessesare prohibited from creating a standard clause in the contract that the form of the transferof responsibility. Consequently, the violation of the provisions of the standard clause thathas been set by the business is declared null and void. The principle of responsibility is alsoadopted in principle of the presumption of UUPK is to always be responsible (presumptionof liability principle) by the burden of reversed proof. For greater protection for consumersin electronic transactions, it is right in Indonesia to implement the principle of absoluteliability in providing maximum legal protection for consumers in transactions in cyberspace.Keywords: Business Actors, Electronic Transactions Consumer, Contracts Materials,

scholarly journals Legal Protection of Investors Investment Virtual Currency

2018 ◽  
Vol 9 (2) ◽  
Author(s):  
Ekka Sakti Koeswanto ◽  
Muhammad Taufiq
Keyword(s):  
Electronic Commerce ◽  
Consumer Protection ◽  
Legal Protection ◽  
Virtual Currency ◽  
The Public ◽  
Trade Law ◽  
Electronic Transactions ◽  
The Law ◽  
The Republic

The presence of Virtual Currency (Centcoin and Bitcoin) in Indonesia is well known by Indonesian people as a business by means of speculation with the aim of making a profit that is used by its users as a means of exchange, means of payment and business by way of investment. Then pay attention to the Law of the Republic of Indonesia Number 7 of 2011 concerning Currencies when Virtual Currency (Centcoin and Bitcoin) serve as a means of exchange or payment transactions in Indonesia by its users is contrary to the Act, however Law Number 7 Year 2014 on Trade, Law of the Republic of Indonesia Number 19 of 2016 on the amendment to Law of the Republic of Indonesia Number 11 of 2008 on Information and Electronic Transactions and Law of the Republic of Indonesia Number 8 of 1999 concerning consumer protection can provide legal protection for the public or investor users Virtual Currency (Centcoin and Bitcoin) in Indonesia.Keywords: Legal Protection, Virtual Currency (Centcoin and Bitcoin), the Electronic Commerce Transactions

scholarly journals Harmonization Of Private Law In The Field Of Consumer Protection Under Remote Contracts

2019 ◽  
pp. 3-14
Author(s):  
I.I. Banasevych
Keyword(s):  
Consumer Protection ◽  
Personal Data ◽  
Relevant Information ◽  
Legal Regulation ◽  
Scientific Article ◽  
Eu Law ◽  
Online Store ◽  
Electronic Transactions ◽  
Effective System ◽  
The Law

The scientific article is devoted to the study of the state of legal regulation of consumer protection under distance contracts in Ukraine and its compliance with EU law. At the same time, the author analyzes the international legal documents, the current legislation of Ukraine and the views of other researchers of this problem. The author has identified a number of shortcomings in the legal regulation of consumer protection under distance contracts in Ukrainian legislation. In particular, the Law of Ukraine «On E-commerce» obscures the requirements for an online store, which are actually dealt with by buyers (potential buyers). The main disadvantage is that an online store is recognized as a means of presenting or selling a product, work or service through an electronic transaction and not as a party to an e-commerce relationship with the obligation to provide relevant information. The problems of concluding and executing electronic transactions are also considered. Attention is drawn to the fact that the dispositive wording of the essential terms of electronic transaction in domestic law does not comply with the Directive 2000/31 / EC on e-commerce. This inconsistency can be remedied by imposing a mandatory information requirement to be provided by the service provider to the recipient in accordance with the Directive, rather than a dispositive list of electronic contract requirements. Progressive and in line with EU law is the provision of the Law on e-Commerce of Ukraine, which prohibits the use and demand of personal data by parties to an electronic transaction for a purpose other than committing the transaction. It is concluded that the creation and implementation of an effective system of consumer protection in Ukraine based on EU law is possible only through the interaction of all components of the system of consumer protection.

scholarly journals Perlindungan Hukum bagi Konsumen atas Pencantuman Klausula Eksoner dalam Bisnis Pinjam-Meminjam Uang Berbasis Teknologi Informasi di Indonesia

2020 ◽  
Vol 5 (2) ◽  
pp. 202
Author(s):  
Intan Ayu Yulia Rahmawati ◽  
Yuliati Yuliati ◽  
Budi Santoso
Keyword(s):  
Consumer Protection ◽  
Financial Services ◽  
Peer To Peer ◽  
District Court ◽  
Legal Norms ◽  
Consumer Protection Act ◽  
Electronic Transactions ◽  
Analysis Technique ◽  
Peer Lending ◽  
Financial Technology

The purpose of this study is to analyze the legal basis for consumer protection and forms of consumer protection for the inclusion of exoneration clauses in financial technology peer to peer lending. This paper uses normative juridical methods for reviewing and analyzing the application of rules, regulations, and positive legal norms contained in the legislation. The analysis technique uses analytical prescriptive. The results of the study show that there are currently three regulations relating to consumer protection of Financial Technology Peer to Peer Lending in Indonesia, i.e. the Consumer Protection Act, Financial Services Authority Regulation Number 77/ POJK.01/2016 concerning Financial Technology Peer to Peer Lending, and the Law Number 11 of 2008 concerning Information and Electronic Transactions. The form of consumer protection for consumers over financial technology peer to peer lending with addition of clause exoneration is to impose sanctions on the organizer in the form of warning letters, fines, restrictions on business activities, and revocation of licenses granted by the Financial Services Authority. If through giving sanctions the consumer still feels disadvantaged, the consumer can resolve the problem through the District Court or outside the court by the Consumer Dispute Resolution Board.

scholarly journals TINJAUAN HUKUM ISLAM TERHADAP PERLINDUNGAN KONSUMEN PADA TRANSAKSI JUAL BELI ONLINE

2017 ◽  
Vol 2 (1) ◽  
Author(s):  
Masyitah
Keyword(s):  
Consumer Protection ◽  
Islamic Law ◽  
Legal Certainty ◽  
Financial Loss ◽  
Online Transactions ◽  
Criminal Sanctions ◽  
Positive Law ◽  
Electronic Transactions ◽  
Online Trading

Abstract:This paper purpose to find out how the consumer protection of online transactions according to positive law and review of Islamic law about consumer protection in online transactions. Based on resultof study found that the legislation can be used as the basis of consumer protection law in onlinetransactions areUU/11/2008 about Information and Electronic Transactions, supplemented by PP/82/2012 about  the Implementation of Electronic Transaction System and Transactions,  and UU/8/1999 about  Consumer Protection. Forms of consumer protection in online transaction  according to positive law such as legal certainty for consumers and businessmen of online shop, provide criminal sanctions to businessmen  who inflict a financial loss on consumers, and also protect the rights and obligations of consumers. The form of consumer protection in online transactionaccording to Islamic law is interdiction in al-Quran and hadith about gharar, fraudulent practices and prohibition of cheating. The cancellation of online trading, compensation and  application of khiyar are also a form of consumer protection in online transaction.  Bagaimana perlindungan konsumen pada transaksi jual beli online menurut undang-undang  dan tinjauan hukum islam terhadap perlindungan konsumen pada transaksi jual beli online. Berdasarkan hasil penelitian ditemukan bahwa perundang-undangan yang dapat dijadikan sebagai dasar hukum perlindungan konsumen pada transaksi jual beli online adalah UU No. 11 tahun 2008 tentang Informasi dan Transaksi Elektronik, dilengkapi dengan PP No. 82 tahun 2012 tentang Penyelenggaraan Sistem dan Transaksi Elektronik dan UU No. 8 Tahun 1999 tentang Perlindungan Konsumen. Bentuk perlindungan konsumen pada jual beli online menurut undang-undang diantaranya berupa kepastian hukum bagi konsumen dan pelaku usaha jual beli online, memberikan sanksi pidana kepada pelaku usaha yang merugikan konsumen, dan melindungi hak dan kewajiban konsumen. Bentuk perlindungan hukum jual beli online menurut hukum Islam adalah berupa larangan dalam al-Quran dan hadis tentang jual beli gharar, praktik penipuan dan larangan berbuat curang. Pembatalan jual beli online dan ganti rugi serta penerapan hak khiyar dalam jual beli online juga merupakan bentuk dari perlindungan konsumen jual beli online. Kata kunci: hukum Islam, perlindungan konsumen dan transaksi jual beli online.

scholarly journals Settlement Of Civil Disputes Regarding Incompatibility Of Objects Of Online Purchase

2021 ◽  
Vol 1 (2) ◽  
pp. 13
Author(s):  
Hadziqotun Nadliyah ◽  
Dhevi Nayasari
Keyword(s):  
Consumer Protection ◽  
Criminal Code ◽  
Fake News ◽  
Applicable Law ◽  
Online Purchase ◽  
Electronic Transactions ◽  
The Difference ◽  
Use Of Internet ◽  
Real Action

  The thing to remember is that buying and selling online is on the principle is the same as the factual sale and purchase on generally. Consumer protection law related to sale transactions even buying online as we previously explained is no different with the applicable law in real buying and selling transactions. The difference is only in the use of internet facilities or means other telecommunications. The result is in buying and selling transactions online it is difficult to do execution or real action if there is a dispute or a criminal act of fraud. Deep cyber nature transactions electronically allows everyone either the seller not the buyer disguises or falsifies the identity inside every transaction or sale and purchase agreement. In the event that the business actor or seller is using an identity fake or gimmick in buying and selling online, then business actors can also be convicted based on Article 378 of the Book The Criminal Code (“KUHP”) on fraud and Article 28 paragraph (1) of the ITE Law on spreading fake news and misleading which results in consumer losses in Electronic Transactions.

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