The Fintech-based financial services sector in Indonesia shows developments that are in line with regional and global sector dynamics. This development plays an important role in accelerating national economic growth, where the financial services sector functions optimally to maintain the smooth running of the financial system. This system is the foundation for sustainable development, supports community financial independence, and improves the distribution of development. This study uses a normative juridical approach with descriptive analysis. The data was analyzed qualitatively and juridically. The research results show that regulations in the financial services sector are developing rapidly due to demands from regional and global changes. One of the main challenges faced is the ASEAN Banking Integration Framework (ABIF). Legal developments in this sector can be seen in regulatory changes in institutions, services, products, and dispute resolution. Legal reform is still needed to provide a strong legal basis for the financial services sector, especially in civil and banking law. This reform aims to adapt regulations to the latest developments and ensure the stability and reliability of the financial services sector in the future.
 
 

Customers who enter into insurance agreements online receive legal protection based on Law no. 40 of 2014, Consumer Protection Law, Civil Code, KUHD, and Law no. 11 of 2008 concerning Information and Electronic Transactions. Thus, an online insurance policy is recognized as a legally valid electronic document, both in digital and printed form. OJK is responsible for insurance supervision, both online and offline, with a focus on aspects of governance, business ethics and financial health. This supervision includes analysis of reports, examinations and investigations, which are part of the OJK's duties in regulating and supervising the financial services sector in Indonesia.
 

This research aims to determine the legal steps that can be taken by borrowers (debtors) in personal loan services (pinpri) regarding the practice of leaking personal data carried out in the context of loan collection. This research was carried out using normative research methods, namely sourced from primary legal materials from statutory regulations, while secondary data was obtained from written legal materials such as scientific journals, books, scientific articles, statutory regulations, and other related literature materials. The results of this research show that the legal steps that can be taken by Pinpri debtors if their personal data is leaked are through non-litigation and litigation legal efforts. Non-litigation legal efforts take the form of negotiation and mediation, while the litigation route is through an unlawful act lawsuit based on Article 1365 of the Civil Code.

This research analyzes the types of dispute resolution that can be carried out due to acts of default committed by buyers in online buying and selling using the Cash On Delivery (COD) payment method in the Shopee marketplace. This research is normative legal research that is prescriptive and applied. The collection of legal materials is through library research, including primary and secondary legal materials. This research aims to find out and examine what dispute resolution can be carried out by sellers due to acts of default committed by buyers in online buying and selling using the COD payment method on the Shopee marketplace in terms of statutory regulations and Shopee's Terms of Service.

This scientific work discusses acts of fraud committed by insureds which often occur in the insurance industry in Indonesia. This action violates Article 1365 of the Civil Code concerning Unlawful Actions (PMH). This research is normative legal research which has prescriptive and applied research characteristics. From this research, it was concluded that fraudulent claims can be said to be unlawful if analyzed according to the elements of unlawful acts.

In the Bankruptcy Law and PKPU, there are two steps in proposing a going concern, namely after the bankruptcy decision (solvent), which is regulated in Article 104 of the Bankruptcy Law and PKPU, and after insolvency, which is regulated in Article 179 paragraph (1) of the Bankruptcy Law and PKPU. This research uses an empirical juridical approach. Empirical juridical research is data that is first examined, namely secondary data, followed by research on primary data in the field or in the community. This research is descriptive empirical normative legal research. Types and sources of research data include primary data and secondary data consisting of primary and secondary legal materials. The approaches used in this research are the statute and case approaches. The research results show that the implementation of going concern carried out by the PT Star Prima Curator Team (in bankruptcy) is by the Bankruptcy Law and PKPU, namely 1) obtaining approval/permission from the supervisory judge and the creditors accepted, 2) proposed when the debtor is in a state of insolvency, 3) regularly 3 (three) months once reported to the supervising judge.
 
 

The lack of regulation regarding the position of a memorandum of understanding often causes disputes between the parties who make it. The position of the memorandum of understanding is very important because it affects the legal consequences. The position can be studied through several aspects, namely based on classical and contemporary contract law theories, the Civil Code, civil law and common law legal systems, and UNIDROIT arrangements. The result of this research is that Indonesia tends to adhere to classical contract law theory by adhering to Article 1320 of the Civil Code. Furthermore, as a civil state (not fully), Indonesia regulates good faith in the nomenclature of legislation, namely Article 1338 (3) and 1965, but has not specifically regulated the good faith of the memorandum of understanding. Indonesia has also ratified UNIDROIT, so that the memorandum of understanding needs to be adjusted to the principles of good faith and fair dealing contained in Article 1.7 of UNIDROIT.
 
 

Humans are essentially social creatures who need help from other people in meeting their daily needs, especially those related to economic problems. The economy is fundamentally related to agreements, as these agreements are created to ensure that both parties comply with and fulfill their obligations. However, in fact, currently there are still many default disputes due to debtor negligence so that the legal consequences are cancellation of previously agreed agreements, transfer of risk, as well as compensation for costs, losses and interest. Apart from that, resolving default disputes can also be done by filing a lawsuit by creditors in district court as in case number 59/Pdt.G/2022/PN Mkd. After going through considerations, the case was decided by the judge and granted in part because there was one of the arguments of the lawsuit which was not in accordance with positive law in Indonesia.