This research aims to examine the Legal Protection for Cooperative Members in Standard Agreements on Digital Financial Services as well as the Legal Protection provided to Cooperative Members if there are problems with Digital Financial Services. The legal research method used by researchers is normative legal research. Normative legal research uses legal behavioral products, for example reviewing laws. The results of this research show that the legal protection provided to cooperative members regarding standard agreements is preventive legal protection, namely creating regulations in this case standard agreements and repressive legal protection aimed at resolving disputes arising from legal consequences. The legal remedies that can be taken are Litigation and Non-Litigation.

This article is to test the effectiveness of Law Number 24 of 2011 concerning Social Security Administering Bodies in PT Companies. LM and sanctions given to companies if they do not carry out the mandate of the Manpower Law. This research method uses an empirical method, namely a process that aims to interpret research data. The results of this research are that the implementation of Law Number 24 of 2011 concerning BPJS related to employment in furniture companies has not been effective. Sanctions imposed on companies that do not carry out the statutory mandate to provide their employees with social security are sanctions in the form of written warnings and fines.