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primary topic: PERTANGGUNGJAWABAN PIDANA KORPORASI DALAM PRAKTIK PENAGIHAN PINJAMAN ONLINE DI DAERAH ISTIMEWA YOGYAKARTA

PERTANGGUNGJAWABAN PIDANA KORPORASI DALAM PRAKTIK PENAGIHAN PINJAMAN ONLINE DI DAERAH ISTIMEWA YOGYAKARTA
type: Thesis
type: Article
abstract: This study examines the the rapid growth of online loan (fintech lending) users in the Special Region of Yogyakarta has often been accompanied by rising cases of default. This situation has prompted application providers and outsourcing companies to employ collection methods that violate legal norms, such as verbal threats, dissemination of personal data, and misuse of emergency contacts, all of which severely harm consumers and third parties. This study examines the legal issues surrounding structured debt collection practices in Yogyakarta and analyzes the construction of corporate criminal liability for such actions under prevailing positive law. The research method applied is empirical juridical research with a conceptual and statutory approach. Primary data were obtained through direct interviews with online loan victims, victims of emergency contact misuse, debt collectors, HR staff from third-party companies, and representatives of the Financial Services Authority (OJK) in Yogyakarta. Secondary data were collected through literature studies and analysis of online loan contract agreements. This study employs Aggregation Theory and Vicarious Liability Theory as the theoretical framework to assess the imposition of collective and proportional corporate criminal liability for the actions of debt collectors. The findings reveal two main points. First, based on empirical data in Yogyakarta, debt collectors employed excessive methods such as psychological terror, dissemination of information to emergency contacts, and even sending fictitious orders (such as gravestones), which clearly meet the elements of cybercrime. These acts violate positive law and are legitimately classified as criminal offenses of threats and extortion through electronic means, as regulated under the ITE Law as lex specialis. Second, criminal liability for unlawfull debt collection practices in Yogyakarta is not limited to individual debt collectors but also extends to corporations as service …
date: 2026-06-02
status: published
author list: authors
type: EPrint
type: ThesisEPrint
is part of: repository
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has document: PERTANGGUNGJAWABAN PIDANA KORPORASI DALAM PRAKTIK PENAGIHAN PINJAMAN ONLINE DI DAERAH ISTIMEWA YOGYAKARTA (Other)
subject: 345 Hukum Pidana

PERTANGGUNGJAWABAN PIDANA KORPORASI DALAM PRAKTIK PENAGIHAN PINJAMAN ONLINE DI DAERAH ISTIMEWA YOGYAKARTA (Text)
type: Document
has file: 22103040049_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
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PERTANGGUNGJAWABAN PIDANA KORPORASI DALAM PRAKTIK PENAGIHAN PINJAMAN ONLINE DI DAERAH ISTIMEWA YOGYAKARTA (Text)
type: Document

UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

FAKULTAS SYARI’AH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

NIM.: 22103040049 Muhamad Adlan Syah
type: Person
given name: NIM.: 22103040049
family name: Muhamad Adlan Syah

PERTANGGUNGJAWABAN PIDANA KORPORASI DALAM PRAKTIK PENAGIHAN PINJAMAN ONLINE DI DAERAH ISTIMEWA YOGYAKARTA (Other)
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PERTANGGUNGJAWABAN PIDANA KORPORASI DALAM PRAKTIK PENAGIHAN PINJAMAN ONLINE DI DAERAH ISTIMEWA YOGYAKARTA (Other)
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PERTANGGUNGJAWABAN PIDANA KORPORASI DALAM PRAKTIK PENAGIHAN PINJAMAN ONLINE DI DAERAH ISTIMEWA YOGYAKARTA (Other)
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PERTANGGUNGJAWABAN PIDANA KORPORASI DALAM PRAKTIK PENAGIHAN PINJAMAN ONLINE DI DAERAH ISTIMEWA YOGYAKARTA (Other)
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PERTANGGUNGJAWABAN PIDANA KORPORASI DALAM PRAKTIK PENAGIHAN PINJAMAN ONLINE DI DAERAH ISTIMEWA YOGYAKARTA (Other)
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PERTANGGUNGJAWABAN PIDANA KORPORASI DALAM PRAKTIK PENAGIHAN PINJAMAN ONLINE DI DAERAH ISTIMEWA YOGYAKARTA (Other)
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PERTANGGUNGJAWABAN PIDANA KORPORASI DALAM PRAKTIK PENAGIHAN PINJAMAN ONLINE DI DAERAH ISTIMEWA YOGYAKARTA (Other)
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primary topic: PERTANGGUNGJAWABAN PIDANA KORPORASI DALAM PRAKTIK PENAGIHAN PINJAMAN ONLINE DI DAERAH ISTIMEWA YOGYAKARTA

345 Hukum Pidana
type: Concept