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<sec id="introduction">
  <title>INTRODUCTION</title>
  <p>The modern digital world is increasingly develop Because various
  progress technology that enables We For get information and various
  convenience others . Indonesia has experience development significant
  technology​ since beginning century second tens one . Growth rapid
  internet users supported by the increase infrastructure
  telecommunication has open opportunity new For digital innovation and
  development . [1]</p>
  <p>Development technology in Indonesia is also marked with emergence
  various e-commerce platforms that are changing method public shopping
  . Growth This No only push development digital economy , but also
  creates field Work new in the sector technology and logistics . [2]
  The Indonesian government also plays a major role active in push
  progress technology through various initiatives and policies .
  Developments technology is one of them occurs in aspects finance ,
  Where society has know the name finance based on technology or called
  with Fintech. [3] Technology finance or Fintech in Indonesia has
  experience significant spike​ in some year last . As information
  collected by the Association Joint Fintech Funding Indonesia (AFPI),
  which currently This consists of of 102 fintech organizers , until
  June 2023, it was recorded that the total is Rp. 548 trillion has
  given to society , which is distributed to 104,271,293 accounts
  recipient fintech loans . [4] One of the condition main user fintech
  services , namely , mandatory For provide personal data . The usual
  steps involved in the process of submission borrow borrow online based
  is the first via , Account Registration , Submission Loans , Analysis
  and Valuation Credit , Approval and Signing Contract , Fund
  Disbursement , Settlement Loans , Loan Status Monitoring and Support
  Customers , and handling problem . [5]</p>
  <p>On the contrary , Article 29 of the Law Personal Data Protection
  Law (PDP Law) Number 27 of 2022 regulates related uses of fintech with
  personal data in Indonesia. This article state that “ the controller
  of personal data must ensure personal data protection from processing
  of personal data that is not legitimate ”. Law Personal Data
  Protection Law (PDP Law) Number 27 of 2022 stipulates rule special
  that regulates personal data protection . When we compare The concept
  of Das sein in context personal data protection between Constitution​​
  Personal Data Protection Act (PDP Act) in Indonesia and regulations in
  America union , there is a number of aspect important that reflects
  differences and similarities in approach both countries against
  personal data protection . [6]</p>
</sec>
<sec id="research-methods">
  <title>RESEARCH METHODS</title>
  <p>Methods used in study law This categorized as type study law
  normative . [7] In research law normative studied​ is aspect theory ,
  philosophy , role , structure / composition , consistency ,
  explanation general and explanation on each articles , formalities and
  powers bound by the rules legislation as well as language used​ is
  Language law . [8]</p>
</sec>
<sec id="discussion">
  <title>DISCUSSION</title>
  <sec id="mechanism-completion-dispute-franchise-if-one-party-achievement-completion-dispute-through-litigation-path">
    <title>Mechanism Completion Dispute Franchise If One Party
    Achievement Completion Dispute Through Litigation Path</title>
    <p>In review this , litigation defined as a completion process
    disputes in court and its counterpart , non- litigation , as an
    out-of-court process court as called in Indonesian law . However ,
    the term &quot; litigation &quot; may defined as a matter of process
    or case alone , without refers to a court . A consideration about
    the Power Act Justice States that​ power judiciary according to The
    1945 Constitution of the Republic of Indonesia ..., for to organize
    justice use to uphold law and justice .&quot; [9]</p>
    <p>Principles of organization power judiciary including Article 2
    paragraph (4), which states that &quot; Justice done with simple ,
    fast , and cost effective light &quot; and Article 3 paragraph (1),
    which states that &quot; in operate duties and functions of judges
    and constitutional judges must guard independence &quot;
    Independence of the judiciary .&quot; &quot; judicial &quot; is
    defined as No affected by the party outside and not affected by
    pressure physique or mental, as described here . The expectation of
    an independent judicial process is that justice operate in a way
    objective , free from subjectivity . In Article 4 of the Law the
    determined ” (1) Court to judge according to law with No
    discriminate against people. (2) Court help seeker justice and
    endeavor overcome all obstacles and barriers For can achievement
    simple , fast and cost effective justice light ”. [10]</p>
    <p>Article 10 of the Powers Act Justice set procedure settlement
    dispute business , which states : &quot;(1) The Court forbidden
    reject For examine , try and decide a the case filed with pretext
    that law No There is or not enough clear , but must For examine and
    try him . (2) Provisions as referred to in paragraph (1) does not
    close business settlement case civil in a way peace .&quot; With
    Thus , the service court required For All case filed​ to court cause
    condition settlement disputes that are not proportional Because role
    court as channel settlement . In case this , principle fast , simple
    and cheap become very important.prohibited For reject examination .
    Process and results rated based on justice , certainty law , and
    benefits . Compiler find that time required​ For finish dispute
    business is six ( six ) months . Process Parameters and Results (
    decisions ) of the settlement dispute .</p>
    <p>Dispute will decided by the judge and decided through track
    litigation . According to Constitution Number 48 of 2009 concerning
    Power Justice , regulates about settlement dispute through
    litigation in court general and judicial special . In the system
    this , the judge must make decision For determine winner . Therefore
    That does not Possible For reach the solution that will beneficial
    to each party .</p>
    <p>Completion Dispute Through Non- Litigation (Outside the Court ).
    For give description to forms​​ settlement dispute outside​ court ,
    following This will outlined in a way short form of each form
    settlement dispute outside courts , both those that have mentioned
    in Constitution​​ Number 30 of 1999 concerning arbitration and
    alternatives settlement dispute and a number of other APS variants .
    Some the form of the APS includes : Arbitration , negotiation ;
    Mediation ; Conciliation . Arbitration . Arbitration Article 1
    paragraph (1) of the Law Number 30 of 1999 concerning Arbitration
    and Alternatives Completion Dispute explain that arbitration (
    referees ) is method settlement a dispute civil outside​ court
    general based on agreement​ arbitration made​ in a way written by the
    disputing parties .</p>
    <p>Arbitration used For anticipate possible disputes​ happen or those
    who are experience disputes that are not can completed in a way
    negotiation / consultation and through party third as well as For
    avoid settlement dispute through the Judicial Body which has been
    This felt need a long time . [11] Arbitration means the parties
    deliver settlement dispute they to party the third is neutral ,
    which has authority For make decisions that are of a nature final
    and binding . The parties third , which is always called as
    arbitrator or arbitrator, given authority For participate in the
    arbitration forum based on agreement of the parties with sidelining
    the judiciary . The decision was rendered to party third
    (arbitrator), who distinguishes arbitration from method settlement
    dispute alternative like mediation and conciliation.In special .
    [12]</p>
    <p>Procedure implementation decision arbitration in Indonesia is
    differentiated based on type the verdict , namely decision
    arbitration national and ruling arbitration international .
    Implementation decision arbitration national set up in Article 59
    paragraph 1 of the Arbitration Law : &quot; Within 30 days counted
    since date decision spoken , sheet original or copy authentic
    decision arbitration submitted and registered by the arbitrator or
    his power to clerk Court Country&quot; . [13]Study in chapter the is
    decision Arbitration at the latest registered to receiving agency​
    registration is Clerk of the District Court. Article 60 states :
    &quot; The decision Arbitration is final and has strength law
    permanent and binding on the parties ” meaning decision arbitration
    is “final and binding”, this This based on agreement of the parties
    . And the agreement arbitration bind the makers as law . Intent of
    execution decision arbitration like decision court , can seen in
    Article 64 of Law Number 30 of 1999 which states &quot; The Decision
    Arbitration that has been sprinkled with order Head of District
    Court, implemented in accordance provision implementation decision
    in case civil case whose decision has have strength law still
    &quot;</p>
    <p>Based on provisions of Article 1 paragraph (1) of the Law Number
    30 of 1999 concerning arbitration , is method settlement dispute
    outside​ justice general based on agreement​ arbitration made​ in a way
    written by the disputing parties . The parties in agreement that
    requires settlement​ disputes that arise will completed with
    arbitration can using one of the of the two ways that can be open
    road the emergence arbitration that is :</p>
    <p>Pact of Compromise or Act Compromise Because it is considered the
    most appropriate with need business , parties choose settlement
    dispute through arbitrage . profit from the arbitration process
    Because fast , can checked by experts , and safe.In addition there
    it is weakness among them only for Bona Fide parties , Benefits
    absolute on the arbitrator not There is precedent decision moreover
    before, and problem decision arbitration foreign . [3]</p>
    <p>Negotiations , considered more as art For reach agreement than
    knowledge knowledge that can studied . Negotiation defined as a
    completion process problem through discussion ( deliberation ) in
    direct between parties to the dispute , with the results agreed upon
    by each party . In practice , negotiations done for 2 (two) reasons
    , namely :</p>
    <p>For look for something new that is not can he did yourself , for
    example in transaction sell buy , party sellers and buyers each
    other need For determine price ( here) No happen dispute ); and for
    solve dispute or disputes arising between the parties .​​ Invite
    Invite Arbitration and Alternatives Completion Dispute (UUAAPS)
    mentioned in Article 6 paragraph (2) UUAAPS states : &quot;
    Settlement dispute or different opinion through alternative
    settlement dispute as meant in Article (1) is completed in meeting
    directly by the parties in maximum time 14 ( four) days twelve )
    days and the results poured out in a agreement written . Can
    concluded that negotiation is method settlement dispute outside​ a
    trial conducted by the disputing parties or his power alone ,
    without party third as mediator . The disputing parties do
    negotiation or bid bid in a way direct For reach agreement together
    . [14]</p>
    <p>Stage before negotiation started . To start a negotiation need
    done preparation as following : Main points problem what tends to
    arise in context general work that requires​ negotiations . Who is
    involved? in negotiation , is it negotiation required in problem
    said , how quality connection between parties the .</p>
    <p>Stage ongoing negotiation : At the stage this , some matter need
    be considered by the negotiator , namely : Determining problem ,
    Determine position beginning , Argumentation , Investigating
    Possibility , Establish proposal, Establish and sign approval ,
    Stage After Negotiation concluded , Entering the implementation
    program into the the agreement that has been agreed by the parties ,
    put together a team For review implementation Ensure adequate
    information and explanation (very important ) For avoid
    misunderstanding ).</p>
    <p>Mediation is​ method settlement dispute alternative where the
    parties a neutral third party , called a mediator, helps second
    split party reach agreement peace . This process create supportive
    environment​ communication open , reduce conflict , and encourage
    discussion . Mediation famous Because fast , confidential , and
    informal, which makes it effective and flexible .</p>
    <p>The provisions governing mediation there is in Article 6
    paragraph (3), paragraph (4) and paragraph (5) of Law no. 30 of
    1999, and Article 6 paragraph (3) of Law no. 30 of 1999 is a process
    of activity as continuation from failure previous negotiations​
    carried out by the parties based on provisions of Article 6
    paragraph (2) of Law no. 30 of 1999 Mediators function as
    facilitator in the mediation process , helping second split party
    find problem main , explain interest them , and help they reach
    mutually beneficial solutions profitable . This process allow
    disputing parties​ reach agreement that meets each individual's needs
    with give they control on results end .</p>
    <p>In practice There are 4 types or mediation model . Settlement
    Model or Compromise ) Mediation intended use get closer difference
    mark bid on a Mediator agreement only Focused on the problem or the
    stated position of the parties . The function of the mediator is
    determine “Bottom Line” position parties and do various approach For
    encourage the parties reach point compromise . Usually the mediator
    is a person who has high status and this model No emphasize skill in
    process or technique mediation . [15]</p>
    <p>Facilitation Model ( Fcilitative) Model) . Provides facilities
    and direct to the parties the parties to the case so that as far as
    possible Possible finish Alone the problem . The mediator directs
    the parties from positional negotiation to interest based
    negotiation which leads to to mutually beneficial solution
    profitable . The mediator directs the parties For more creative and
    seeking alternative another solution . Mediator is necessary
    understand the mediation process and techniques without must expert
    in disputed area .​ The advantages are the parties when finished
    dispute will feel satisfied, because what was raised is his
    interests and not just thing in dispute only . The drawbacks is time
    required​ become long. The process more structured .</p>
    <p>Therapeutic Focus on comprehensive solutions​ No limited only on
    completion dispute but also the reconciliation of the parties is
    expected is finished dispute and also the parties Correct Correct
    become good . The negotiation process that leads to taking decision
    No will begin​ before problem emotional between the parties the
    dispute is resolved . The mediator's function is For diagnose reason
    conflict and handling it based on aspect psychological and emotional
    to the parties who at odds can fix and increase return connection
    they are expected mediators own skills in counseling and also the
    process and technique mediation . The emphasis more therapy , good
    stages premediation or his slackness in the mediation process .
    Usually used in family disputes such as divorce guardianship child
    .</p>
    <p>Evaluative Court annexed more focus evaluative model. The parties
    come and expect the mediator to give kind of understanding that if
    case This Keep going in progress so who will​ who wins and who loses
    . More focuses on the rights and obligations of the Mediator usually
    expert in his field or expert in field law Because The approach
    taken is focused on rights . Providing advice to the parties in the
    form of advice advice law in the mediation process could also be
    something like place where the parties present and There is kind of
    draft decision from the mediator or kind of road exit carried out by
    the mediator. The downside are the parties will feel No own results
    signed agreement​ together .</p>
    <p>Conciliation , such as as it is with mediation , conciliation
    settlement process dispute outside​ court between the two parties to
    the dispute with involving party the third one is not taking sides .
    Basically , the role of mediator and conciliator is assist the
    disputing parties​ communicate One each other for reach a solution
    that satisfies each of them they . Elements element conciliation
    usually connected​ with Article 130HIR and Article 154 R. Bg.In
    Article 1851 of the Civil Code in the implemented peace or
    conciliation is also demanded fulfil element element as following .
    There is agreement between party party as mentioned in Article 1320
    of the Civil Code. The agreement becomes No legitimate if made with
    skill (Dwalin) coercion ( Dwang ) or with method fraud ( Bedrog ) as
    mentioned Article 1321 of the Civil Code</p>
    <p>Agreement For do something must in accordance with Article 1851
    of the Civil Code namely For deliver a goods . Agreement on peace on
    existing disputes​ as the Article 1851 of the Civil Code that is
    peace on the matter that has been There is good one is in progress
    walk in court or submitted​ to court so that No become case in court
    . If happens , then peace That must realized in A a word written
    that called Father 's act or Act of discord deed it was made without
    judge's approval .</p>
    <p>conciliator No authorized make decision but only authorized make
    recommendations for implementation depends from faith both parties
    to the dispute That Alone reason reason settlement dispute through
    conciliation is : Editing problems and understanding facts and
    circumstances , Discuss problem , Understanding needs of the parties
    ], Achieving agreement that can be accepted One each other</p>
    <p>Condition For become conciliator listed in Chapter II of the
    Minister of Teanga's regulations Republic of Indonesia Regulation on
    Employment and Transmigration Number PER-10/MEN/V/2005 concerning
    appointment and dismissal conciliator and work procedures
    conciliation especially in the article 2,article 3,and Article
    4.</p>
    <p>As for the shortcomings alternative settlement dispute through
    conciliation This is that decision from institution conciliation
    This No tie so that depends completely to the parties to the dispute
    whereas excess conciliation This is a fast , cheap , and easy
    process can obtained effective results . In the diagram below This
    depicted a number of characteristics and specialties possessed​
    Arbitration , negotiation , mediation and conciliation as following
    .</p>
  </sec>
  <sec id="form-settlement-many-disputes-used-in-finish-dispute-franchise">
    <title>Form settlement many disputes​ used in finish dispute
    franchise​​</title>
    <p>existence settlement dispute is one of factors taken into account
    before decide For do activity agreement business For prevent the
    occurrence default in operate a business . Mechanism settlement
    effective dispute resolution the regarding : Settlement forum
    dispute , good through court national , arbitration body national
    and international , as well as dispute resolution forums other
    alternative disputes ; Effectiveness validity from the law applied
    in dispute said ; The process of taking prompt decisions and
    reasonable costs ; Neutrality and professionalism of judges ,
    arbitrators or party the three involved in the process of taking
    decision ; Effectiveness implementation or implementation decision
    courts , arbitration bodies and settlement bodies dispute others ;
    Compliance of the parties to resulting decisions ;​ For ensure
    success implementation mechanism mechanism Alternative settlement
    dispute (APS), the prerequisites are factors key success (key
    success factors) must be known . Factors the among others are :
    Disputes Still within “ reasonable ” limits, Commitment of the
    parties , Sustainability Relationship , Balance position bid bid .
    [16]</p>
    <p>The process nature personal and the results secret . In Law No.
    30/1999 concerning arbitration and alternatives settlement dispute
    set mediation as one of the method settlement dispute outside​
    court.mediation is method settlement more disputes​ short , cheap ,
    and can assist the parties get access more wide to settlement
    disputes that can accepted and considered satisfy the sense of
    justice . [17]</p>
    <p>Where is the amount settlement dispute through mediation In 2022
    , the number of successful case​ reconciled through mediation in
    Indonesia reached 20,861 cases . This figure increased by 92.24%
    compared to with year 2021 thing This show that mediation is most
    favorite choice For to finish dispute business especially business
    franchise Because the process is peaceful, fast , cheap and
    efficient . so that the parties Still Can continue agreement his
    business . [17]</p>
    <p>Mediation process allows the disputing parties​ in agreement
    franchise For apply decision they yourself and fix it thinking they
    For reach beneficial agreement​ for second split parties . Mediation
    is basically is a process of completion disputes that are based on
    agreement and are of a nature voluntary (voluntary). So, completion
    dispute through mediation depends on agreement and willingness
    second split parties . Mediation is method settlement the most
    flexible and innovative dispute resolution , and secondly party own
    total control over the process and its outcome . The mediator does
    not own authority For push or to force a results certain . [18]</p>
    <p>Mediation process This done No only For look for truth or force
    enforcement law , but also for finish problem — or finish problem .
    Making the parties Work The same For finish dispute is objective
    mediation . Mediation This will invite second split party For see
    situation moment this and make plan for the future . This is a very
    different approach from trial court or arbitration , where a judge
    or arbitrator usually see the incident that has occurred happen
    previously or see to behind For evaluate who is right or wrong with
    analyze facts and evidence moment This For determine whether has
    happen violation Constitution or contracts . Various Indonesian law
    has use the term &quot; mediation &quot;, such as &quot; Law No. 23
    of 1997 concerning Management Environment , Law No. 5 of 1999
    concerning Prohibition Monopolistic Practices and Unfair Business
    Competition , Law No. 8 of 1999 concerning Protection Consumers ,
    Law No. 18 of 1999 concerning Construction Services , Law No. 36 of
    1999 Even the law mentioned previously obligatory mediation For
    finish dispute Work before completed past decision court .</p>
    <p>Mediation in court regulated &quot; Law No. 48 of 2009 Article 10
    paragraph (2) concerning Power Justice ”, that “ Provisions as
    referred to in paragraph (1) does not close business settlement case
    civil in a way peace ” . Laly mediates outside court , in “ Law No.
    48 of 2009 concerning Power Judiciary ”, regulated in Chapter XII of
    Articles 58-61.</p>
  </sec>
</sec>
<sec id="conclusion">
  <title>CONCLUSION</title>
  <p>Mechanism Completion dispute can done through two ways that is
  through litigation ( court ) that is regulated in Constitution Number
  48 of 2009 concerning Power Judicial , and non- litigation ( outside)
  court ) which is regulated in Constitution Number 30 of 1999
  concerning Arbitration and Alternatives Completion Dispute . Mediation
  is form settlement many disputes​ used in finish dispute franchise
  settlement process his peaceful dispute precise , effective and
  capable finish satisfactory and fair dispute resolution . The parties
  need comply mechanism settlement disputes that exist in clause
  agreement Good settlement dispute through litigation or non-
  litigation so that the settlement dispute become fast , flexible and
  effective for the parties . The need for choose a mediator who has
  skills negotiation , understanding issue law or business related , and
  behave neutral and independent . So that the resolution dispute in
  progress fast flexible and effective .</p>
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