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Indonesia's digital economy is rapidly growing with the emergence of e-commerce, fintech, and blockchain technology that facilitate cross-border transactions. However, challenges such as technological access inequality, personal data exploitation, and multinational company dominance remain major concerns. Therefore, implementing Pancasila values in digital economy governance is crucial to ensuring social justice, consumer protection, and national competitiveness. Pancasila principles, such as moral-based business ethics, consumer rights protection, digital sovereignty, and participatory regulation, must be integrated into digital economic policies. Additionally, electronic commerce regulations based on international law should align with national interests to balance digital economic growth and constitutional rights protection. Thus, Pancasila-based digital economic policies can promote inclusivity, strengthen SMEs' competitiveness, and ensure the broader welfare of society.

Drug packaging not only serves as a protective barrier for pharmaceutical products but also functions as a strategic element in conveying information and ensuring consumer rights. This study is a literature review of five journals that discuss packaging innovation, legal aspects of labeling, consumer protection, and packaging design from both technological and regulatory perspectives. The aim of this study is to compare the dimensions of innovation, information, and protection in drug packaging. A narrative review method with a qualitative descriptive approach was used. The results show that innovations such as the use of adsorbent plastic and efficiency in packaging systems significantly affect product stability and production speed. Meanwhile, the inclusion of composition details and halal labeling on packaging serves as a form of consumer protection from health risks and rights violations. It is concluded that a multidimensional approach to drug packaging is essential in creating a pharmaceutical distribution system that is efficient, safe, and ethical.

Online lending has become an increasingly popular financial solution in Indonesia, providing easy access to funds for people who are not fully served by traditional financial institutions. Despite offering many conveniences, the rapid growth of online lending brings various risks, such as the rise of illegal online loans, high interest rates, and the potential misuse of users' personal data. This research aims to analyze consumer protection in online loan transactions, by reviewing existing regulations, such as Law No. 8/1999 on Consumer Protection, OJK Regulation No. 77/Pojk.01/2016, and the Electronic Information and Transaction Law (ITE Law). This research uses a normative legal research method with a statutory approach that prioritizes legal materials in the form of laws and regulations as the main reference. Data collection techniques are carried out through library research, analyzing relevant regulations and related literature. The results show that although these regulations already exist, the implementation of supervision and law enforcement is still weak, resulting in many violations harming consumers. Stricter supervision from OJK, strict sanctions against illegal fintech providers, and increased education to the public about their rights as consumers are needed. With more effective supervision and clearer regulations, it is hoped that the online lending industry can develop healthily and provide benefits without harming consumers.

This study aims to analyze the legal protection for insurance customers in the settlement of policy claims at PT Asuransi Bumi Putera, with reference to Law No. 8 of 1999 concerning Consumer Protection. The main problem faced by customers is the delay in payment of claims, which is contrary to the main purpose of insurance to compensate for losses experienced by customers. Based on available data, many claims have not been paid, indicating the non-compliance of insurance companies with their obligations. This research examines the forms of legal protection regulated in the Consumer Protection Law, particularly regarding the customer's right to obtain clear information, compensation, and dispute resolution. In addition, this study also highlights the preventive and repressive aspects of legal protection, where preventive protection aims to prevent disputes from occurring, while repressive protection provides legal avenues for aggrieved customers to obtain compensation. While the law has provided a clear basis of protection, consistent implementation and enforcement are still needed to ensure customer rights are fulfilled. This research is expected to contribute to improving legal protection for insurance customers in Indonesia, as well as encouraging insurance companies to fulfill their obligations in a timely manner in accordance with applicable regulations.

This research examines the criminal liability of debt collectors involved in forcibly seizing motorized vehicles from consumers. Such actions, often conducted by third parties representing finance companies, frequently occur without proper legal procedures and involve violence, coercion, or violations of consumer rights. The study responds to ongoing incidents where debt collectors act with force, while legal enforcement remains insufficient. Utilizing an empirical normative legal approach, the study combines a review of relevant laws—such as the Criminal Code (KUHP), Consumer Protection Law, and Financial Services Authority regulations with field research, including interviews with victims and observations in Kayubulan Village, Limboto Subdistrict, Gorontalo Regency. The findings reveal that debt collectors who repossess vehicles without official documentation, prior notification, or through intimidation may be committing criminal acts under Article 368 of the KUHP (extortion) and Article 335 (unpleasant acts). These actions clearly conflict with legal norms and consumer protection principles. The study recommends that finance institutions strengthen oversight of third-party collectors and ensure all collection activities comply with legal and ethical standards. Additionally, raising public legal awareness is essential, particularly regarding consumer rights and available legal remedies against coercion or unlawful conduct during debt collection. This dual strategy enhancing institutional accountability and empowering consumers aims to bridge the gap between law and practice, ensuring justice and legal protection in financial transactions.

This research discusses consumer rights in the case of Pertamax adulteration by PT Pertamina Patra Niaga, which involved mixing fuel with substances of lower quality than promised. This case not only economically harms consumers but also endangers user safety and undermines public trust in the products sold by the state-owned company. The research methodology employed is normative legal research with a descriptive-analytical approach, examining the legal aspects related to consumer rights violations and the effectiveness of the implementation of the Consumer Protection Law in resolving disputes. The findings indicate that weak supervision and law enforcement allowed the adulteration practices to occur. Therefore, this research suggests the need for improved oversight by the government and BPH Migas, stricter law enforcement, and consumer education to protect their rights. It is hoped that this research will contribute to the development of consumer protection in Indonesia.

This study analyzes the comparison of peer-to-peer (P2P) lending contract law in the perspective of positive law and Islamic law. Major problems in the industry include the risk of default, contract defects, and a lack of transparency. The research method used is literature research. The results show that positive laws provide a framework for consumer protection, but are often inadequate in protecting vulnerable parties. On the other hand, Islamic law emphasizes justice and the prohibition of usury, although the practice in the field is not yet fully appropriate. The study recommends collaboration between regulators and service providers to create a fair and law-abiding system. This is expected to contribute to the development of P2P lending policies and practices that are more sustainable and in accordance with sharia principles.

Consumer protection in Indonesia is regulated in Law No. 8/1999 on Consumer Protection (UUPK), which emphasizes consumers' basic rights to safe and quality goods. This research focuses on the violation of consumer rights in the “Daun Suji” brand rice oplosan case, which came to light in February 2025. The results show that the oplosan “Daun Suji” rice does not meet the promised premium rice quality standards. This resulted in a violation of consumer rights, specifically Article 4 letters b and c of the Consumer Protection Law. These violations include the right of consumers to choose goods according to exchange value and guarantees, as well as the right to correct and clear information. This fraudulent practice harms consumers who expect quality products at the price paid.

A standard agreement is a form of standard contract that is drawn up unilaterally by business actors, without providing flexibility for consumers to negotiate the content of the clauses contained therein. This characteristic creates an imbalance in the legal position between business actors and consumers, which in practice is often used to include exculpation clauses or unilateral clauses that are substantively detrimental to consumers. In the context of Indonesian law, this form of contract has become a common practice in various sectors, ranging from financial services to electronic transactions, so the urgency of legal protection for consumers has become increasingly significant. This research aims to analyze and evaluate the form of legal protection for consumers in standard agreements, based on the provisions of Law Number 8 of 1999 concerning Consumer Protection and related legal instruments, including implementing regulations and relevant jurisprudence. The research approach used is normative juridistic, with data collection methods through literature studies, normative analysis of laws and regulations, and an examination of several concrete case studies that illustrate imbalances in the legal relationship between consumers and business actors. The results of the study revealed that although normative legal protection has been regulated quite firmly, especially in the provisions regarding the prohibition of the inclusion of clauses that are detrimental or misleading to consumers, various structural and cultural obstacles are still found in its implementation. These obstacles include weak supervision mechanisms for business actors, limited consumer access to legal understanding, and suboptimal role of consumer dispute resolution institutions. Thus, it is necessary to strengthen regulations through more operational legal instruments, increase the capacity of supervisory institutions, and mainstream consumer legal literacy as a long-term strategy in realizing a fair, effective, and sustainable consumer protection system.

The rapid development of information technology has significantly driven the growth of e-commerce as one of the main channels in modern commercial activities. In the beauty product sector, digital platforms offer consumers easier access and simultaneously expand market reach for business actors. However, this advancement also brings various challenges, particularly in relation to consumer protection. Common issues include product authenticity, information transparency, transaction security, and dispute resolution mechanisms. In this context, legal protection for consumers has become an urgent matter that cannot be overlooked. This study aims to analyze the forms of legal protection available to consumers of beauty products in e-commerce transactions and to assess the effectiveness of existing regulations in addressing these challenges. Using a normative juridical approach, the study evaluates relevant legislation, such as Law Number 8 of 1999 concerning Consumer Protection, along with other regulations related to electronic transactions. The findings reveal that although legal instruments have been established to safeguard consumer rights, their implementation still encounters obstacles, including limited supervision of online business actors and low consumer literacy regarding their rights. Therefore, efforts are needed to strengthen regulations, improve consumer education, and optimize the roles of supervisory and dispute resolution institutions. In this way, the consumer protection system in the e-commerce sector—particularly for beauty products—can operate more effectively and provide a greater sense of security for the public in conducting digital transactions.

The urgency of consumer protection in Sharia-compliant transactions has become increasingly prominent alongside the growth of the halal industry and rising public awareness of transactional justice based on Islamic principles. This study aims to formulate the theoretical and normative construction of consumer protection within the framework of Islamic law and to assess its compatibility with Indonesia’s positive legal system. Employing a normative juridical approach combined with a descriptive-analytical method, this research explores primary legal sources including Qur’anic verses, the hadiths of Prophet Muhammad (PBUH), and scholarly opinions found in classical and contemporary fiqh al-mu‘āmalāt literature, as well as secondary legal sources such as Law Number 8 of 1999 on Consumer Protection, fatwas of the National Sharia Council (DSN-MUI), and relevant academic literature. The analysis is conducted through content analysis to extract the values of justice, transparency, and balance of rights and obligations within contractual mechanisms. This study finds that core principles such as truthfulness (ṣidq), disclosure (bayān), and justice (‘adālah) constitute the essential foundation of consumer protection in the Islamic legal perspective. The prohibition of gharar (uncertainty), riba (usury), and tadlīs (fraudulent misrepresentation) is not merely a moral injunction but an integral safeguard mechanism for consumer rights. Furthermore, the institutional presence of supervisory bodies such as DSN-MUI and Sharia certification mechanisms has proven to be strategic, though they continue to face challenges in implementation, socialization, and consumer literacy. The findings also indicate a substantial opportunity for harmonizing Islamic legal principles with the national legal system within the framework of maqāṣid al-sharī‘ah. Therefore, this study recommends strengthening sectoral regulations based on Sharia principles, integrating fatwas into positive legal norms, and enhancing educational capacity for both business actors and consumers in order to realize ethical, equitable, and sustainable transactions.

This study aims to analyze the implications of business law on consumer protection in e-commerce transactions in Indonesia. The results of the study indicate that business law plays an important role in protecting consumers in e-commerce transactions. However, the effectiveness of existing laws and regulations is still questionable because there are still many cases of fraud and unfair business practices. Therefore, this study suggests the need for improvements to laws and regulations, increased consumer awareness, effective supervision, and cooperation between the government and business actors to improve consumer protection in e-commerce transactions in Indonesia.

This study examines consumer protection efforts against the distribution of hazardous illegal traditional herbal medicines in Serang City, Banten. The widespread circulation of such products—particularly those containing Chemical Drugs (Bahan Kimia Obat/BKO) and lacking distribution permits—poses a significant threat to public health. Between 2020 and 2025, the Inspection Division of the Food and Drug Monitoring Agency (BBPOM) in Serang secured and destroyed approximately 706 items, totaling 6,841 units, with an estimated economic value of IDR 91,158,350. The research focuses on two main issues: the mechanisms for protecting consumers from dangerous illegal traditional herbal medicines in Serang City, and the role of BBPOM in supervising their circulation. Employing an empirical juridical method with a qualitative-descriptive approach, the study collected data through literature reviews, documentation, and interviews with BBPOM Serang officials. The findings indicate that consumer protection is carried out through both preventive and repressive measures. Preventive efforts involve pre-market and post-market supervision to ensure that products meet safety and regulatory standards before and after they enter the market. Repressive actions include law enforcement against violations, confiscation and destruction of illegal products, and the imposition of administrative and criminal sanctions on offenders. BBPOM Serang plays a pivotal role in monitoring illegal herbal medicines by conducting regular inspections, surveillance, and investigations of production and distribution facilities, as well as educating the public about the dangers of unsafe products. Nevertheless, supervision efforts are hindered by challenges such as low public awareness regarding product safety and economic pressures that drive some producers and sellers to ignore legal requirements. Strengthening collaboration between regulatory agencies, law enforcement, and community stakeholders is essential to improving consumer protection and ensuring the circulation of safe traditional herbal products in the region.

This research examines life insurance consumer rights and protection in Indonesia, given the growth of the industry and the complexity of insurance products. The background of the research highlights the gap between regulation and consumer protection practices. The research objective is to analyze the effectiveness of regulations and their implementation. The research method used is normative-empirical juridical, with analysis of laws and regulations and case studies. The research findings show that although the regulations are comprehensive (Law No. 8/1999, Law No. 40/2014, POJK), their implementation still faces obstacles, such as lack of information transparency, harmful standard clauses, and suboptimal supervision. The implication of this research is the need to strengthen regulations, consumer education, and increase the effectiveness of dispute resolution mechanisms to increase consumer confidence in the life insurance industry.

Consumer protection has been enforced through the regulation set forth in Law No. 8 of 1999 on Consumer Protection (UUPK). Skincare in Indonesia has experienced rapid growth in recent years, alongside an increase in public awareness of the importance of self-care. However, this rapid growth has also brought about new challenges, particularly related to the phenomenon of overclaim in skincare. Overclaim refers to exaggerated claims about a product or service to attract consumers. This can lead to uncertainty among consumers and potentially undermine trust in skincare products. This study aims to identify this phenomenon, analyze its impact on the market and consumers, and evaluate the effectiveness of existing regulations to enhance transparency and trust in the skincare industry in Indonesia. The research is conducted using normative legal research methods, with a legislative approach, and is analyzed descriptively. It is expected that the findings of this study will provide insights for the Indonesian public and minimize the actions of skincare owners engaging in overclaim practices.

The purpose of this study was to determine the role of YLPK-RI in resolving unlawful acts as a consumer representative at the Gorontalo District Court. The legal basis for YLPK-RI in suing is the Consumer Protection Law No. 8 of 1999. The type of research method used by the researcher in this article is normative juridical by using data collection techniques in this study, namely through library research. The results obtained in this study are in the judge's decision, YLPK-RI is a legitimate and legally recognized institution to represent, defend and seek legal certainty for consumers who do not understand the law in accordance with written regulations. The presence of YLPK-RI certainly helps consumers in fighting against business actors who act arbitrarily towards consumers. However, the lawsuit filed by YLPK-RI was considered inadequate by the panel of judges due to the shortcomings of the parties, therefore the lawsuit from YLPK-RI was rejected by the panel of judges.  

This research studies consumer protection against the dangers of using mercury skincare for health, so that consumers, especially women, can be more careful in choosing and using skincare. Mercury is an ingredient that is often added to skincare ingredients that function to produce white facial skin quickly. Mercury can flow through the blood throughout the body which can cause death. However, many consumers among women are more easily tempted to use mercury-based skincare because they see instant results. Skincare made from mercury is strictly prohibited from use because of its content which can cause damage to organs and nerves of the body by a substance such as chemicals and cause abnormalities in the functioning of the health system. The purpose of this study is to analyse consumer protection against cases of skincare products containing mercury such as the case of lightening cream and night cream brand MH.    

This research addresses the problematic inclusion of exoneration clauses stipulating positive reviews for warranty claims on Shopee. While the prohibition of exoneration clauses is not explicitly articulated within statutory regulations, it may be inferred from Article 18 of Law Number 8 of 1999 concerning Consumer Protection about prohibited standard clauses. Nevertheless, the practice of utilizing exoneration clauses, particularly those mandating positive reviews for warranty claims, persists, notably within the marketplace domain. This study adopts an empirical legal methodology, employing both primary and secondary data sources, which comprise primary and secondary legal materials. Data collection was executed through interviews utilizing a purposive sampling technique, and the data was subsequently subjected to qualitative analysis employing an interactive model. The research findings reveal the problematic nature of including exoneration clauses stipulating positive reviews for warranty claims on Shopee, specifically: the inadequate protection afforded to business actors, Shopee's suboptimal efforts in merchant curation, the non-fulfillment of contractual validity requirements, the ineffectiveness of Shopee's Warranty regulations, and the diminution of credibility within the review section.

This study aims to explore the practice of over-claiming in the skincare sector in Indonesia and its impact on consumers. With more and more products offering instant results in the absence of strong scientific evidence, consumers are often trapped in unrealistic expectations, which can jeopardise their health. The method used in this research is qualitative with a case study approach to analyse exaggerated claims as well as consumer reactions to certain skincare products. The findings of this study show that this practice harms consumers both materially and in terms of trust in the beauty industry as a whole. In addition, the results emphasise the importance of stricter law enforcement against offending businesses, including influencers who promote products with misleading information. In accordance with the Consumer Protection Law, consumers are entitled to clear and precise information, which is even more important in an era of aggressive marketing. Therefore, existing regulations, such as those issued by BPOM, need to be more strictly enforced to maintain the safety and effectiveness of the products being sold. The study also recommends raising awareness and educating consumers about the risks that may arise from overuse of skincare products. With these measures, it is hoped that the skincare industry can establish a more transparent and fair market, as well as improve product quality and protection for consumers. This research also contributes to a deeper understanding of the dynamics of the skincare market and the importance of consumer protection in legal and health aspects.

Consumer dispute resolution in Indonesia is an increasingly relevant issue, considering the high dynamics of transactions that occur in the goods and services sector, including in the property sector. Consumers, as the weaker party in business transactions, often face problems related to the quality of goods/services received, delays, unilateral cancellations, or even failure in property development. Therefore, resolving consumer disputes is very important and requires adequate legal protection. This type of research is normative juridical research. Normative research is literature research by examining theoretical approaches and concepts that examine consumer disputes. Normative juridical research is legal research that places law as a building system of norms. Problems arise when consumers in good faith have paid all Down Payment obligations, but the business actor actually takes a unilateral decision to cancel the apartment construction project. Consumers who have invested funds amounting to IDR 307,530,900 are trying to get a refund, but the business actor does not show responsiveness and good faith in the refund process. This situation finally forced consumers to take legal action by filing a lawsuit with BPSK Medan City on December 5 2022. This case is a clear example of the application of consumer protection and the importance of BPSK as an alternative for resolving disputes outside of court. This decision also reflects the principles of justice and legal certainty in consumer disputes, where agreed consumers can obtain their rights through an arbitration mechanism.