Enhancing Consumer Dispute Literacy and The Complaint System of The National Consumer Protection Agency (BPKN) in Realizing A Smart Consumer Society
DOI:
https://doi.org/10.54082/jamsi.2366Kata Kunci:
BPKN, Complaint System, Consumer Protection, Legal Literacy, Smart ConsumerAbstrak
Consumer protection in Indonesia continues to face challenges related to the low level of consumer legal literacy and limited utilization of the complaint mechanisms provided by the National Consumer Protection Agency (BPKN). This study aims to analyze how the improvement of consumer dispute literacy and the optimization of BPKN’s complaint system contribute to the realization of smart consumers in society. Using a juridical-normative approach, this research examines the legal framework governing consumer protection, supported by conceptual and case-based analyses from relevant regulations, legal literature, and official reports. The findings indicate that while Law No. 8 of 1999 on Consumer Protection and Presidential Regulation No. 50 of 2017 provide a solid foundation, the implementation remains hindered by normative limitations, weak institutional coordination, and low legal awareness among consumers. The discussion reveals that the effectiveness of BPKN’s complaint system depends not only on regulatory strength but also on public literacy and participation. Therefore, the study concludes that enhancing consumer literacy and strengthening institutional synergy are crucial in building a responsive and inclusive consumer protection system. These efforts will enable BPKN to play a more strategic role in empowering consumers and fostering a culture of smart, critical, and legally aware consumption behavior.
Referensi
Abdillah, R., Sjaifurrachman, S., Prakoso, A., & Hastri, E. D. (2024). Legal protection in consumer dispute resolution: Independence of the Financial Services Authority (OJK). International Asia of Law and Money Laundering (IAML), 3(2), 53–61.
Anggraini, A. M. T., Simanjuntak, M., Safari, A., Halim, R. E., & Riyadi, S. (2022). Consumer protection in the retail and financial services sectors against the practice of exoneration clauses. Journal of Consumer Sciences, 7(2), 83–96.
Annisa, A. N. A. N., & Hamzah, H. (2025). Legal analysis of abuse of intellectual property claims on skincare product composition from a consumer protection perspective. Journal of Law and Social Change Review, 1(1), 200–214.
Azzara, R. C., & Simanjuntak, M. (2023). The influence of self-sufficiency, information seeking, and knowledge towards smart purchasing behavior in Indonesia. Jurnal Aplikasi Bisnis dan Manajemen (JABM), 9(1), 12–12.
Budiman, M. F., & Hidayat, R. (2025). Customer protection against the circulation of counterfeit money in automated teller machines from the perspective of Sadd adz-Dzari’ah. Legal Brief, 14(3), 657–665.
Darti, A., & Marnija, M. (2025). The urgency of protecting sensitive data is reflected in Article 4 (2) of Law No. 27/2022 on personal data protection. Journal Equity of Law and Governance, 7(1), 10–21.
Denhardt, J. V., & Denhardt, R. B. (2015). The new public service: Serving, not steering (4th ed.). Routledge.
Engel, J. F., Blackwell, R. D., & Miniard, P. W. (1995). Consumer behavior (8th ed.). Dryden Press.
Fajar, M. A., Isnaeni, D., & Muhibbin, M. (2025). Strengthening legal certainty in the implementation of metrological supervision and guidance. Jurnal USM Law Review, 8(3), 1184–1206.
Friedman, L. M. (1975). The legal system: A social science perspective. Russell Sage Foundation.
Handari, R. A., & Saputro, T. A. (2025, September). Analysis of e-commerce supervision for the protection of spiritual rights of consumers. In IECON: International Economics and Business Conference (Vol. 3, No. 1, pp. 321–330).
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).
Kautsar, I. A., Dewata, M. F. N., & Muhammad, D. W. (2024). A bibliometric analysis of consumer online dispute resolution on legal research. In Proceeding Legal Symposium (Vol. 2, No. 2).
Kotler, P., & Keller, K. L. (2016). Marketing management (15th ed.). Pearson Education.
Kumurur, O. L., & Kansil, C. S. (2022, April). Legal protection of consumer rights related to misuse of used antigen rapid test medical devices based on Law Number 8 of 1999 concerning consumer protection. In 3rd Tarumanagara International Conference on the Applications of Social Sciences and Humanities (TICASH 2021) (pp. 512–520). Atlantis Press.
Mahardika, T. P., & Yuliati, L. N. (2022). The role of courses in influencing smart consumer behaviour of senior high school students in rural and urban areas. Journal of Child, Family, and Consumer Studies, 1(1), 48–59.
Masturi, F. N., Herlan, A., & Al Fiani Nenden Iryatin, A. M. (2025). Jurnal Soedirman Law Review, 7(1).
Nasution, A. Z. (2001). Hukum perlindungan konsumen: Suatu pengantar. Diadit Media.
Osborne, D., & Gaebler, T. (1992). Reinventing government: How the entrepreneurial spirit is transforming the public sector. Addison-Wesley.
Puad, N. A. M., & Hamdi, A. S. (2025). Maqasid shariah and consumer protection in e-commerce: Strengthening legal safeguards in Indonesia’s digital economy. International Journal of Islamic Economics and Finance Research, 1, 64–75.
Rahmah, M., Simanjuntak, M., Sari, A. M., & Johan, I. R. (2023). The study of program and roles of National Consumer Protection Agency using qualitative and quantitative approaches. Journal of Child, Family, and Consumer Studies, 2(3), 209–222.
Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276–295.
Rojimantoro, F., Sadam, M., Rahman, A., & Sutrisno, A. (2024). Legal protection for consumers in e-commerce transactions based on the consumer protection law. Journal Transnational Universal Studies, 2(12), 677–688.
Sari, H. B., Thalib, E. F., & Meinarni, N. P. S. (2024). Implementation of smart contracts in Indonesia: An analysis of financial regulation, taxation, and consumer protection. Notariil: Jurnal Kenotariatan, 9(2), 65–70.
Saputra, T. (2025). Consumer and business actors protection: Implementation of Law No. 8 of 1999 on consumer protection. Journal International of Officium Nobile, 1(2), 225–235.
Satory, A., Sihombing, L. A., Nuraeni, Y., & Mustaqim, M. (2020, May). Analysis of program implementation education of consumer protection in improving consumer empowerment index. In 4th Asian Education Symposium (AES 2019) (pp. 312–317). Atlantis Press.
Setianingrum, M. F., & Yuliati, L. N. (2017). Effect of consumer awareness of education material, source of information, and value of materialism on behavior as a smart adolescent consumer. Journal of Consumer Sciences, 2(2), 41–56.
Shahirah, I., & Simanjuntak, M. (2024). Indonesian consumer complaint behavior based on ethnic groups and generations. Gadjah Mada International Journal of Business, 26(2), 209–230.
Shidarta, S., & Koos, S. (2019). Introduction to a social-functional approach in the Indonesian consumer protection law. Veritas et Justitia, 5(1), 49–79.
Simanjuntak, M. (2019). Generation Y’s complaint behavior toward online shopping. Independent Journal of Management & Production, 10(1), 101–116.
Simanjuntak, M. (2024, June). The consumer empowerment index in Indonesia: Does socio-demographic matter? In IOP Conference Series: Earth and Environmental Science (Vol. 1359, No. 1, p. 012042). IOP Publishing.
Simanjuntak, M. (2025). Empowering consumers: The impact of awareness on skill development and assertiveness in market engagement. Journal of Marketing and Consumer Behaviour in Emerging Markets, 20(1), 34–47.
Simanjuntak, M., Rahmi, F., & Dewi, S. U. (2024). The empowerment of consumers with disabilities: The role of self-esteem, accessibility, and access to information. ASEAN Marketing Journal, 16(2), 4.
Soekanto, S. (2012). Pokok-pokok sosiologi hukum. Rajawali Pers.
Solomon, M. R. (2018). Consumer behavior: Buying, having, and being (12th ed.). Pearson.
Sulistiyono, A., & Syamsudin, M. (2024). A prophetic law basis for strengthening the values of Indonesian consumer protection law culture. Prophetic Law Review, 6(1), 47–70.
Sumarwan, U. (2018). Perilaku konsumen: Teori dan penerapannya dalam pemasaran (3rd ed.). Ghalia Indonesia.
Suryono, R. R., Budi, I., & Purwandari, B. (2021). Detection of fintech P2P lending issues in Indonesia. Heliyon, 7(4).
Tjipto, F. P., Ong, J. P., Sulistio, M. R., & Harnowo, T. (2021). Consumer protection law: The case study of Grabtoko company in Indonesian e-commerce transactions. Journal of Private and Commercial Law, 5(2), 120–140.
Tomelo, A. R. (2025). Legal protection for consumers. Estudiante Law Journal, 7(3).
Tresnawati, T., & Fatmawati, A. M. (2021). Blockchain-based smart contract: Advancing digital consumer protection and preventing private international law e-commerce cases. Yustisia, 10(3), 354–368.
Wahid, S. H. (2023). Formulation of a risk-based online dispute resolution model for e-commerce in Indonesia: Legal framework and its application. International Journal of Arts and Humanities Studies, 3(2), 9.
Zulfi, N. A., Seroja, T. D., & Sudirman, L. (2025). Evaluation of the effectiveness of legal protection for consumers for unused electricity bills in Batam. Legal Brief, 14(1).
Unduhan
Diterbitkan
Cara Mengutip
Terbitan
Bagian
Lisensi
Hak Cipta (c) 2026 Bambang Sugeng Ariadi Subagyono, Ghansham Anand, Zahry Vandawati Chumaida

Artikel ini berlisensi Creative Commons Attribution 4.0 International License.




