This research aims to find out the validity of the apartment ownership credit agreement (KPA) with PPJB as collateral and legal protection for debtors if the developer of the pre-project selling system defaults. This research is motivated by cases of developers of pre-project selling systems that default and cause losses to consumers who have been bound in KPA with the bank. This research is needed because there are no regulations governing PPJB as collateral and there is an imbalance of power between the debtor and the creditor because of a standard agreement. The discussion on this topic has not been comprehensively explained in previous studies. This research uses normative legal research with a statutory approach with data collection techniques in the form of a literature study. The results show that PPJB as collateral is not ideal, but it does not affect the validity of the KPA agreement. Then, in terms of legal protection for debtors who are harmed by developers, they can refer to Law 8 of 1999 concerning Consumer Protection because the position of debtors is equated with consumers.

The purpose of this research was to explore the Indonesian legal perspective on identity falsification in marriage, especially in the context of the validity and legal consequences of this action. Marriage is a physical and mental bond between a man and a woman husband also wife, purposed to hold happiness and also create an eternal family (household) based on the Almighty God, regulated in Law Number 1 of 1974 concerning marriage. Falsification of identity in marriage, as evidenced in the Jambi District Court decision 265/pid.sus/2022/PN jmb, is a prevalent issue. This research employs a normative juridical research technical using a case approach also a statutory approach. The findings indicate that identity forgery in marriage can invalidate the marriage, as per the Jambi District Court decision 265/pid.sus/2022/PN jmb. However, this case highlights the lack of justice for the victim/witness, namely Nuar Aini Yuni Saputri. There are still material and immaterial losses that have not been fulfilled, including the victim's family not receiving back the money from the defendant's fraud. Moreover, the victim continues to face harassment due to her invalid marriage. This research emphasizes the urgency of addressing identity falsification in marriage within the Indonesian legal framework. It also underscores the need for justice to be served fully, ensuring that victims of identity falsification receive appropriate restitution and protection from further harm. Tujuan penelitian ini untuk mengeksplorasi perspektif hukum Indonesia terhadap pemalsuan identitas dalam perkawinan, khususnya dalam konteks keabsahan dan akibat hukum dari tindakan tersebut, khususnya tentang pemalsuan identitas dalam perkawinan dan konsekuensi hukum bagi pelaku pemalsuan identitas yang melakukan pelanggaran perkawinan yang diatur dalam UU No.  1 tahun 1974. Perkawinan merupakan ikatan fisik dan mental di antara pria dengan seorang wanita sebagai suami dan istri untuk meraih kebahagiaan dan mewujudkan keluarga (rumah tangga) yang abadi berdasarkan kepada Tuhan Yang Maha Esa seperti yang diatur dalam UU No.  1/1974 tentang perkawinan. Pemalsuan identitas dalam perkawinan merupakan  isu yang sering terjadi di tanah air. Hal ini menjadi penting diangkat dalam penelitian ini untuk menemukan konsekuensi hukum bagi pelaku pelanggaran identitas pada perkawinan sesuai dengan UU Perkawinan no 1 tahun 1974. Penelitian ini  menggunakan metode penelitian yuridis normatif serta pendekatan kasus dan pendekatan perundang-undangan. Kebaruan penelitian ini terletak pada pemalsuan identitas dan gelar yang dilakukan oleh terdakwa saat melakukan perkawinan. Hasil penelitian menunjukkan bahwa pemalsuan identitas dan gelar dalam perkawinan dapat membatalkan suatu perkawinan. Namun demikian, pada putusan Pengadilan Negeri Jambi No. 265/pid.sus/2022/PN jmb masih ada kerugian materiil dan imateriil yang yang dialami korban/saksi yang belum terbayarkan. Seharusnya korban pemalsuan identitas menerima restitusi yang sesuai dan perlindungan dari bahaya lebih lanjut.