https://journal.ugm.ac.id/v3/vivajusticia <h2><em>About</em> <em>the</em>&nbsp;<em>Viva Justicia: Journal of Private Law&nbsp;</em></h2> <div id="content"> <div id="journalDescription"> <p align="JUSTIFY">Welcome to the official website of Viva Justicia: Journal of Private Law (VJPL) e-ISSN: <a title="ISSN BRIN" href="https://issn.brin.go.id/terbit/detail/20250421041421016" target="_blank" rel="noopener">3108-9488</a>. Our goal is to enrich the discourse on private law theory and philosophy. We aim to broaden the understanding of Indonesia's legal system by offering free downloads of our journal articles to the public.</p> <p align="JUSTIFY">Our journal serves as a valuable resource for both scholars and practitioners. Viva Justicia: Journal of Private Law is a double-blind peer-reviewed academic journal focusing on three main scopes which are civil law, labour law, and civil procedural law.</p> <p align="JUSTIFY">This journal is published by the Private Law Department of the Faculty of Law at Universitas Gadjah Mada. There will be issued edition biannually, each in March and September.</p> </div> </div> Faculty of Law Universitas Gadjah Mada en-US Viva Justicia: Journal of Private Law 3108-9488 https://journal.ugm.ac.id/v3/vivajusticia/article/view/24987 <p>This legal research aims to identify the challenges and opportunities of Asosiasi FintechPendanaan Bersama Indonesia (AFPI) in enhancing consumer protection withing the LayananPendanaan Bersama Berbasis Teknologi Informasi (LPBBTI) after the issuance of Law No. 4 of2023 about financial sector development and strengthening. This research is categorized intonormative-empirical legal research. The types of data used in this research are primary dataobtained from interviews respondent while secondary data obtained from document analysis, datais analyzed qualitatively with descriptive argumentation. Based on this legal research shows thatAFPI that has the authority as a supervisor in the LPBBTI industry based on SEOJK No. S-5/05/2019, which has been further strengthened by the ratification of the UU P2SK. FPI operateswith a three-pronged framework: the Code of Conduct, the Ethics Committee, and the JendelaConsumer Complaints Channel. The rapid development of the industry necessitates frequentregulatory changes, presenting both challenges and opportunities for AFPI. In response to thesedynamics, AFPI has taken several steps to improve its operations. These include enhancing itsCode of Conduct, upgrading the Jendela Consumer Complains System, assisting Otoritas JasaKeuangan (OJK) in supervising the LPBBTI industry, and working to integrate the LPBBTIdatabase in the Fintech Data Center (FDC) with the OJK’s SLIK. These efforts are designed tofoster a healthier and more positively growing LPBBTI industry ecosystem.</p> Candyna Muthiah Bepa Umar Mubdi Copyright (c) 2025 Viva Justicia: Journal of Private Law https://creativecommons.org/licenses/by-sa/4.0 2025-09-30 2025-09-30 2 1 1–24 1–24 https://journal.ugm.ac.id/v3/vivajusticia/article/view/25909 <p style="margin: 0cm; text-align: justify;"><span style="color: #0e101a;">This research aims to seek knowledge about the potential of personal data leakage and its legal protection for users and parties involved in smart contracts on crypto assets transactions. The increasing use of blockchain-based smart contracts in crypto asset trading, despite lacking specific regulation, raises urgent concerns about how personal data is processed and protected within these transactions. The research method that the authors used is a combination of normative and empirical legal research. The conclusions of this research are: First, there are still some potentials for personal data leakage from smart contracts. Second, there is no specific regulation governing smart contracts and the protection of personal data on smart contracts, but we still can find internal and external legal protection for the parties in various legal instruments in Indonesia. Third, Pluang Application collaborates with third parties, namely liquidity providers, in organizing crypto asset transactions, so these third parties are the ones who use smart contracts. </span></p> Swarnajhoti Sangkar R. A. Antari Innaka Turingsih Copyright (c) 2025 Viva Justicia: Journal of Private Law https://creativecommons.org/licenses/by-sa/4.0 2025-11-05 2025-11-05 2 1 25–43 25–43