25 November 2025
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FH USU-Public Relations: Tuesday (25 November 2025), The Master of Law Study Program, Faculty of Law, Universitas Sumatera Utara (FH USU) successfully organized a Focus Group Discussion (FGD) themed “Criminal Law Policy on Crimes Caused by Online Loans.” This activity was part of the Independent Faculty Research scheme of the Master of Law Program at USU and was held at the Master of Law Seminar Room, Universitas Sumatera Utara.
The FGD was officially opened by the Secretary of the Master of Law Study Program at USU, Dr. Mahmud Mulyadi, S.H., M.Hum. In his remarks, he expressed the hope that the outcomes of this discussion would provide tangible benefits and better solutions for the community in addressing criminal acts arising from online lending activities.
The activity was moderated by Dr. Rosmalinda, S.H., LL.M. (Lecturer, Faculty of Law, USU), with Fahrizal S. Siagian, S.H., M.H. (Doctoral Student of Law, USU) serving as the resource initiator. The discussion involved various key stakeholders, including representatives from Simpang Selayang Subdistrict, Medan, and the Simpang Selayang community, the North Sumatra Regional Police, the Medan District Attorney’s Office, SP Co Law Firm, and the Medan Legal Aid Institute (LBH Medan).
The results of the discussion indicated that the research focused on the Simpang Selayang Subdistrict, where community members who served as respondents complained that illegal online loan services were completely unhelpful and instead caused them to fall into deeper hardship due to terror and the misuse of personal data.
From the law enforcement perspective, the North Sumatra Regional Police acknowledged that the case disclosure rate remains low due to complex technical and operational constraints. These obstacles include illegal online loan servers located overseas (such as in China and Cambodia), the use of fake phone numbers and bank accounts by perpetrators, and the use of Simbox devices to disguise calls. Law enforcement agencies have received various reports of criminal acts, ranging from data manipulation and threats to the dissemination of personal data and the distribution of obscene content.
Meanwhile, the Medan District Attorney’s Office highlighted difficulties in elevating case status, as online loans are initially considered to fall under civil law. In addition, existing legislation is considered not to yet specifically regulate sanctions for the dissemination of borrowers’ contact information carried out by illegal online loan providers.
This FGD is expected to serve as an important initial step in formulating an ideal and comprehensive criminal law policy to protect the public from entrapment and criminal acts caused by illegal online lending.
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