Analysis of Legal Protection for Consumers in Property Credit: Promoting the Value of Justice
DOI:
https://doi.org/10.31941/pj.v24i1.5872Keywords:
Legal Protection, consumer, Property creditAbstract
This article analyzes the legal protections afforded to consumers within property credit agreements, emphasizing the critical role of justice in ensuring equitable outcomes. Employing a qualitative research methodology, this study explores the existing legal framework, its practical application, and the challenges faced by consumers in navigating the complexities of property credit. The analysis incorporates scholarly perspectives and recent legal developments to advocate for enhanced consumer protection measures that align with principles of fairness and transparency. Findings reveal significant gaps in the current legal framework, particularly in addressing power imbalances between lenders and borrowers, as well as in providing accessible remedies for consumers facing unfair practices. The study highlights the need for clearer disclosure requirements, stronger enforcement mechanisms, and improved financial literacy programs to empower consumers. By synthesizing theoretical insights with empirical observations, this research contributes to the ongoing discourse on consumer rights and proposes actionable reforms to strengthen the legal safeguards within property credit agreements. Ultimately, the article underscores the importance of a justice-oriented approach in fostering a more equitable and transparent credit market.
Downloads
References
Akimova, M. S., & Ulitskaya, N. Y. (2021). INVESTMENT AND CREDIT MECHANISM OF MORTGAGE LENDING OF COMMERCIAL REAL ESTATE. Scientific Review Theory and Practice, 784–793. https://doi.org/10.35679/2226-0226-2021-11-3-784-793
Anwar Fathoni, M., Dwi Priyatno, P., Faizi, Suko Wiryanto, F., Rachbini, W., & Suryani. (2025). Unlocking barriers and strategies of halal certification for micro and small enterprises in Indonesia: Analytic network process approach. Problems and Perspectives in Management, 23(1), 169–180. https://doi.org/10.21511/ppm.23(1).2025.13
Auliya, U., & Hartono, D. (2024). The Existence of Supervision by Non-Governmental Organizations in Providing Legal Protection for Consumers with Bad Credit. International Journal of Social Science and Human Research, 7(09). https://doi.org/10.47191/ijsshr/v7-i09-44
Czechowska, I. D., Paduszyńska, M., Jędrzejczak, R., & Sadowski, A. (2024). INFORMATION AS A CONSUMER PROTECTION INSTRUMENT ON THE CONSUMER CREDIT MARKET. Technological and Economic Development of Economy, 30(5), 1352–1371. https://doi.org/10.3846/tede.2024.21496
Fiver, R. P. G., Yuhelson, Y., & Prasetyo, D. A. (2024). Existence of Banking Credit Agreement with Standard Clauses Related to the Implementation of Consumer Law Protection in Indonesia. Jurnal Indonesia Sosial Sains, 5(05), 1110–1114. https://doi.org/10.59141/jiss.v5i05.1118
Hasan, M. M. (2025). Private lenders and borrowers’ internal control-related private information. Advances in Accounting, 68, 100808. https://doi.org/10.1016/j.adiac.2025.100808
Hasan, Z. (2024). IMPACT OF DIGITAL FINANCIAL LITERACY ON CONSUMER PROTECTION, INVESTOR SECURITY, AND FINANCIAL TRANSACTIONS IN INDONESIA. International Journal of Islamic Economics and Finance Research, 7(2 December), 55–77. https://doi.org/10.53840/ijiefer165
IGN Oka Ariwangsa, Komang Widhya Sedana Putra P, & Kadek Wulandari Laksmi P. (2024). The Impact of Financial Literacy on Investment Decisions: The Moderating Role of Financial Technology. UPI YPTK Journal of Business and Economics, 9(3), 16–22. https://doi.org/10.35134/jbe.v9i3.274
Juan, D. (2024). Tinjauan Yuridis Problematika Pengaturan Short-Term Accomodation (Rumah Susun) di Indonesia. JURNAL MINUTA, 6(02), 86–98. https://doi.org/10.24123/minuta.v6i02.6951
Kadir, M. Y. A., Arifin, M., Disantara, F. P., Thuong, M. T. H., & Nutako, B. S. M. (2024). The Reform of Consumer Protection Law: Comparison of Indonesia, Vietnam, and Ghana. Jurnal Suara Hukum, 6(2), 255–278.
Khan, S. N. (2024). Qualitative Research Method - Phenomenology. Asian Social Science, 10(21). https://doi.org/10.5539/ass.v10n21p298
Kurniawan, A. S., & Yustitianingtyas, L. (2023). Consumer Data Protection Against Online Loan Debt Payments. Jurnal Justiciabelen, 6(1), 52. https://doi.org/10.30587/justiciabelen.v6i1.6170
Kurniawan, I. G. A., & Chandra, A. (2024). The Civil Law Aspects of Informed Consent to Medical Procedures. SASI, 30(3), 326. https://doi.org/10.47268/sasi.v30i3.2277
Kurniawan, I. G. A., Samsithawrati, P. A., & Dharmawan, N. K. S. (2024). Legal Protection for Intellectual Property Holders in Business Activities in The Era of The Industrial Revolution 4.0. Jurisprudentie : Jurusan Ilmu Hukum Fakultas Syariah Dan Hukum, 11(1), 74–81. https://doi.org/https://doi.org/10.24252/jurisprudentie.v11i1.48076
Li, L., Huang, H., Huang, S., & Chen, S. (2023). Do Financial Linkages Ease the Credit Rationing of Forest Rights Mortgage Loans? Evidence from Farm Households in Fujian Province, China. Sustainability, 15(4), 3160. https://doi.org/10.3390/su15043160
Morello, F. (2024). Addressing Legal Loopholes in Consumer Credit Markets. Interdisciplinary Studies in Society, Law, and Politics, 3(2), 1–3. https://doi.org/10.61838/kman.isslp.3.2.1
Mukwevho, T. D., & Matlala, R. (2024). The Protection and Enforcement of Disability Rights in South Africa: Challenges and Prospects. Journal of Law, Society and Development, 11. https://doi.org/10.25159/2520-9515/15866
Mutaqi, A. S., Salura, P., & Lake, R. C. (2024). Ensuring Fairness: Strategies for Providing Affordable Housing for Low-Income Communities in Urban Indonesia. EMARA: Indonesian Journal of Architecture, 9(1), 46–57. https://doi.org/10.29080/eija.v9i1.2085
Nickerson, D. (2016). Asset Price Volatility, Credit Rationing and Rational Lending Discrimination. International Journal of Economics and Finance, 8(10), 140. https://doi.org/10.5539/ijef.v8n10p140
Pellandini-Simanyi, L. (2024). Consumer Credit and Debt. In Sociology. Oxford University Press. https://doi.org/10.1093/obo/9780199756384-0269
Pratiwi, R., Prabowo, M. S., Nugroho, M., & Wardhani, W. N. R. (2022). Fraud Risk in Peer Lending Fintech Transactions: The Role of Consumer Protection Regulation in Indonesia. International Journal of Social Science and Business, 6(4), 469–477. https://doi.org/10.23887/ijssb.v6i4.46511
Saifullah, A., Adhyputra, M. F., & Fikri, Z. (2025). Implikasi Klausula Eksonerasi terhadap Perlindungan Konsumen dalam Kontrak Financial Technology Peer-to-Peer Lending. Jurnal Restorasi Hukum, 7(2), 236–256. https://doi.org/10.14421/zmpxcr40
Setiyani, R., & Septiani, T. (2024). How to address heuristics and cognitive biases in tax decision-making: A systematic literature review. Journal of Socioeconomics and Development, 7(2), 181–192. https://doi.org/10.31328/jsed.v7i2.5726
Wibowo, D. E., & Disantara, F. P. (2024). Consumer Protection in The Perspective Of Islamic Law: The Principle of Dignified Justice. RechtIdee, 19(2), 350–368. https://doi.org/https://doi.org/10.21107/ri.v19i2.28253
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Imelda Mardayanti, Willy Cahyadi, Cia Cai Cen
This work is licensed under a Creative Commons Attribution 4.0 International License.
