Legal Vulnerabilities and Fraud Risks in Indonesia's Online Arisan System:

Ashila Xaviena Almira  Molla; Mochammad Tanzil Multazam

doi:10.21070/ijler.v19i3.1259

(1) Ashila Xaviena Almira Molla Universitas Muhammadiyah Sidoarjo
Indonesia
(2) * Mochammad Tanzil Multazam Universitas Muhammadiyah Sidoarjo
Indonesia
(*) Corresponding Author

DOI: https://doi.org/10.21070/ijler.v19i3.1259

Abstract

Abstract: This research investigates the rising phenomenon of online rotating savings and credit associations (arisan) in Indonesia, which have gained popularity yet remain susceptible to legal infractions such as embezzlement and fraud. Despite existing regulatory frameworks, a significant knowledge gap exists regarding the legal mechanisms necessary for protecting participants from these risks. Aims: This study employs the PRISMA method to systematically identify, screen, evaluate, and analyze Supreme Court decisions related to online arisan from 2018 to 2024, aiming to discern prevalent legal issues and suggest improvements. Results: Analysis reveals a total of 249 relevant cases, peaking in 2021, predominantly involving fraud, civil breaches (wanprestasi), and divorce linked to economic disputes. The study highlights that cases of fraud have increased significantly, particularly in urban areas like Surabaya, driven by attractive yet misleading offers of high returns. Legal provisions under the Indonesian Penal Code (KUHP) and the Civil Code (KUHPerdata) are invoked in addressing these issues, emphasizing the need for stringent regulation. Novelty: This research offers a comprehensive legal perspective on the dynamics of online arisan, revealing critical insights into the intertwining of economic motivations and legal protections. Implications: The findings underline the necessity for enhanced legal awareness and regulatory frameworks to mitigate risks associated with online arisan, advocating for government commitment and action to ensure the security and integrity of these financial practices. This study serves as a foundational reference for policymakers and legal scholars aiming to refine regulations surrounding online financial mechanisms in Indonesia.

Highlights:

Fraud incidents surge in online arisan activities across Indonesia.
Participants need improved legal awareness and protections.
Enhanced regulations required to reduce risks in online arisan.

Keywords: online arisan, fraud, legal framework, Indonesia, regulatory challenges

Downloads

Download data is not yet available.

Metrics

Metrics Loading ...

References

R. S. Dewi, “Comparison of Consumer Protection Laws Between Indonesia , the Philippines , and South Korea in Achieving Justice,” vol. 30, no. 2, pp. 169–182, 2024.

A. A. Mustikajati, A. Jalan, I. Sutami, and J. Tengah, “Pertanggungjawaban Pidana Pelaku Tindak Pidana Penipuan Online Berdasarkan Perspektif KUHP Dan Undang-Undang Informasi Dan Transaksi Elektronik terhadap harta benda orang yang diatur dalam Pasal 378 Buku II Bab XXV KUHP kemudian Pemerintah menetapkan Unda,” vol. 1, no. 2, 2024.

Y. K. Wardani, T. L. Tobing, P. Ariyanti, D. L. Sonata, and D. E. Rusmawati, “Anticipating Financial and Data Privacy Risk: Assessing Legal Rights and Responsibilities in Online Social Gathering in Indonesia,” Indones. Priv. Law Rev., vol. 4, no. 2, pp. 123–136, 2023, doi: 10.25041/iplr.v4i2.3027.

Mahkamah Agung, “Direktori Putusan.” Accessed: Aug. 18, 2024. [Online]. Available: https://putusan3.mahkamahagung.go.id/search.html?q=%22arisan+online%22

A. Dary, N. Rusmana, A. S. Mulyani, T. Fitriah, and M. Kn, “Legal Protection Of Unlicensed Online Arisan Victims Reviewed From Article 1243 Of The Civil Code Concerning Tort,” vol. 1, no. 2, 2023.

A. E. Dwi Saputra, “Penegakkan Hukum Terhadap Tindak Pidana Penipuan Arisan Online di Indonesia,” vol. 2, no. 1, pp. 44–52, 2024.

N. A. Juang, M. K. Hidayat, and S. L. Andriati, “Problematika Wanprestasi Atas Perjanjian Arisan Online,” J. Ilm. Dunia Huk., vol. 7, no. 1, p. 48, 2022, doi: 10.35973/jidh.v7i1.3065.

A. Matondang, “Faktor-faktor yang Mengakibatkan Perceraian dalam Perkawinan,” J. Ilmu Pemerintah. dan Sos. Polit., vol. 2, no. 2, pp. 141–150, 2014, [Online]. Available: http://ojs.uma.ac.id/index.php/jppuma

T. Pratiwi, “Perlindungan Hukum Terhadap Korban Tindak Pidana Penipuan Arisan Online (Studi Putusan Nomor 897/Pid.B/2020/PN Btm),” J. Meta Huk, vol. 1, no. 1, 2022.

E. K. Dewi, A. A. S. Laksmi Dewi, and I. M. M. Widyantara, “Akibat Hukum Terhadap Pelaksanaan Arisan Online Berdasarkan Undang-Undang Nomor 19 Tahun 2016,” J. Konstr. Huk., vol. 2, no. 2, pp. 296–302, 2021, doi: 10.22225/jkh.2.2.3226.296-302.

R. S. D. Dimas Wahyudi, Herixson Sugiarto Samosir, “Akibat Hukum Bagi Pelaku Tindak Pidana Penipuan Online Melalui Modus Arisan Online Di Mediasosial Elektronik,” J. Rectum, vol. 4, no. 1, p. 183, 2022.

M. A. Ali, M. A. Azad, M. Parreno Centeno, F. Hao, and A. van Moorsel, “Consumer-facing technology fraud: Economics, attack methods and potential solutions,” Futur. Gener. Comput. Syst., vol. 100, pp. 408–427, 2019, doi: 10.1016/j.future.2019.03.041.

H. van Driel, “Financial fraud, scandals, and regulation: A conceptual framework and literature review,” Bus. Hist., vol. 61, no. 8, pp. 1259–1299, 2019, doi: 10.1080/00076791.2018.1519026.

J. Wiwoho, D. B. Kharisma, and D. T. K. Wardhono, “Financial Crime In Digital Payments,” J. Cent. Bank. Law Institutions, vol. 1, no. 1, pp. 47–70, 2021, doi: 10.21098/jcli.v1i1.7.

P. A. Sanggo and D. Lukitasari, “Pertanggungjawaban Pidana Pelaku Penipuan Arisan Online Tentang Informasi Dan Transaksi Elektronik,” Recidive, vol. 3, no. 2, pp. 221–230, 2016.

S. Q. Tiflen, “TINJAUAN HUKUM EKONOMI ISLAM TERHADAP PRAKTEK ARISAN ONLINE DI KOTA JAYAPURA,” Al-Mustashfa J. Penelit. Huk. Ekon. Islam, vol. 6, no. 1, 2021.

H. Vidhitasmoro, S.H, D. C. K. S.H., M.H., and D. E. S. S.H., M.Hum., “The Power of Proof of an Online Arisan Agreement in the Verdict of PKPU Number 10/Pdt-Sus-PKPU/2021/Pn.Smg in Accordance with the Theory ofLegal Positivism and Justice,” Int. J. Soc. Sci. Hum. Res., vol. 7, no. 04, pp. 2484–2491, 2024, doi: 10.47191/ijsshr/v7-i04-33.

L. Puspita and A. Gunadi, “Analisis Kekuatan Hukum Perjanjian Lisan Arisan Online Yang Menggunakan Media Aplikasi Facebook Messenger Dalam Pembuktian Di Pengadilan Ditinjau Dari Undang- Undang Informasi Dan Teknologi Elektronik Nomor 11 Tahun 2008 (Studi Kasus Putusan No. 106/Pdt.G,” J. Huk. Adigama, vol. 2, no. 2, p. 27, 2019, doi: 10.24912/adigama.v2i2.6520.

B. S. Bethari, “Penegakan Hukum Bagi Pelaku Tindak Pidana Penipuan Arisan Online,” SUPREMASI J. Huk., vol. 4, no. 1, pp. 77–94, 2021, doi: 10.36441/supremasi.v4i1.528.

M. Adaninggar, F. Andhika Perkasa, and A. U. Hosnah, “Tanggung Jawab Hukum Dan Konsekuensi Bagi Pelaku Penipuan Dengan Modus Arisan Melalui Platform Media Sosial,” Civilia J. Kaji. Huk. dan Pendidik. Kewarganegaraan, vol. 3, pp. 63–71, 2024, [Online]. Available: http://jurnal.anfa.co.id

M. J. de C. Soares, G. G. Moniz, and L. Ribeiro, “Implementation of Electronic Government (E-Government) and Bureaucracy Reform to Achieve Good Governance,” Leg. Br., vol. 11, no. 5, pp. 2734–2741, 2022, doi: 10.35335/legal.

Nurhadi Ahmad Juang, “Tinjauan Hukum Tentang Gugatan Sederhana Dalam Proses Penyelesaian Perkara Wanprestasi Atas Perjanjian Arisan Online Pada Putusan Nomor 1/Pdt.G.S/2021/PN Trt,” R. Stud. Law Rev., vol. 2, no. 1, pp. 18–33, 2023, doi: 10.32734/rslr.v2i1.11435.

N. D. Rahmawati, “Law Enforcement Against Online Arisan Fraud Perpetrators Who Conduct Fictitious Arisan Auctions ( Case Study of Sukoharjo Police Station Cases ),” pp. 107–114.

H. Khoirunnisa, H. Ayu, and F. S. Faried, “Tinjauan Yuridis tentang Tindak Pidana Penipuan Berbentuk Arisan Online,” vol. 01, no. 04, pp. 40–45, 2023, [Online]. Available: https://www.uniba.ac.id/journal.uniba.ac.id/index.php/JB/article/download/888/627/2288

W. Tanjaya and J. Pakpahan, “Punishment for fraud offenders through online arisan in medan city,” vol. 26, no. 2, pp. 30–32, 2022.