Abstract

This study aims to examine the most effective dispute resolution strategies when the debtor issues a blank check as collateral in information technology-based funding service agreements. The concept of justice in this case encompasses both the concept of justice within the positivism paradigm and the concept of justice from the natural law perspective. This type of research is normative/doctrinal research. The research focuses on secondary data, which includes both primary and secondary legal materials. The data analysis technique uses qualitative data analysis. The conclusion-drawing technique uses deductive reasoning. Based on the results of this research, the dispute resolution method chosen in the event of a case involving the issuance of blank checks by debtors used as collateral in information technology-based financing agreements is a settlement method through the criminal justice system.

References

Allan, TRS, ‘Law, Reason, and Justice: A Defence of the Declaratory Theory of Judicial Decision’, Jurisprudence, 2025, 1–25 <https://doi.org/10.1080/20403313.2025.2473166>

Chas, Carmen, ‘Hans J. Morgenthau’s Critique of Legal Positivism: Politics, Justice, and Ethics in International Law’, Jus Cogens, 5 (2023), 59–84 <https://doi.org/10.1007/s42439-023-00076-x>

Christiani, Theresia Anita and Chryssantus Kastowo, ‘Increased Financial Literacy and Inclusion Indexes versus the Number of Unlicensed Financial Institutions in Indonesia’, Foresight, 25 (2023), 465–73 <https://doi.org/10.1108/FS-01-2021-0003>

Dwi Arina Fahrun Nisa, Widya Elfareda Putri and Sumriyah Sumriyah, ‘Legal Protection for Recipients of Blank Giro Bills’, ALADALAH: Journal of Politics, Social, Law and Humanities, 1 (2023), 51–63 <https://doi.org/10.59246/aladalah.v1i3.328>

Edwards, Phil, ‘Hans Kelsen, International Law and the “Primitive” Legal Order’, Jurisprudence, 2025, 1–30 <https://doi.org/10.1080/20403313.2025.2457805>

Hidayat, Sarip, Iman Jalaludin Rifa’i, Suwari Akhmaddian and Gios Adhyaksa, ‘Legal Analysis Of Legal Responsibility For Economic Crimes Regarding The Issuance Of Blank Cheques’, Galuh Justisi Scientific Journal, 11 (2023), 73 <https://doi.org/10.25157/justisi.v11i1.9951>

M Sriastuti Agustina, ‘Legal Review of the Issuance of Blank Checks’, Yustitiabelen Journal, 7 (2021), 20–50 <https://doi.org/10.36563/yustitiabelen.v7i1.324>

Nemec, Rastislav and Andrea Blaščíková, ‘The Virtue of Religio in Thomas Aquinas: Between Justice and Love’, Religions, 14 (2023), 571 <https://doi.org/10.3390/rel14050571>

Ningsih, Ayup Suran, ‘Alternative Insitutions on Dispute Settlement For Financial Services Sector (LAPS SJK) in Banking Disputes’, Fiat Justisia: Jurnal Ilmu Hukum, 17 (2023), 279–92 <https://doi.org/10.25041/fiatjustisia.v17no3.2967>

Pratama, Andistya, Dwi Ratna Indri Hapsari and Listiyani Wulandari, ‘Bridging Regulation and Reality: Comparative Study of Artificial Intelligence Regulation in the Financial Sectors’, Legality: Scientific Journal of Law, 33 (2025), 307–33 <https://doi.org/10.22219/ljih.v33i2.38908>

Rizal, Haykal, ‘Blank Cheques Commercial Law Perspective’, International Asia Of Law and Money Laundering (IAML), 1 (2022), 247–52 <https://doi.org/10.59712/iaml.v1i4.46>

Sainul, Zezen Zainul Ali, Wahyu Abdul Jafar and Sakirman, ‘Legal Reform and Mediation in Non-Litigation Dispute Resolution: A Case Study of Sebambangan Tradition’, Journal of Law and Legal Reform, 6 (2025), 1047–78 <https://doi.org/10.15294/jllr.v6i2.20872>

Subagiyo, Dwi Tatak, ‘Legal Protection For Blank Check Holder’, Perspective, 10 (2006), 60 <https://doi.org/10.30742/perspektif.v10i1.522>

Viola, Francesco, ‘Aquinas, Thomas: On Natural Law’, in Encyclopedia of the Philosophy of Law and Social Philosophy (Dordrecht: Springer Netherlands, 2023), pp. 119–27 <https://doi.org/10.1007/978-94-007-6519-1_364>

Wiryawan, I Wayan Gde, Gede Agung Wirawan Nusantara, I Wayan Eka Artajaya and Rizozoda Tura Rabbim, ‘Unprotected and Unparticipation Mental Health in Regulation Worker’, Bestuur, 12 (2024), 124 <https://doi.org/10.20961/bestuur.v12i2.94378>

Zalewska, M, ‘Empowerment and the Act of Will in Hans Kelsen’s General Theory of Norms’, in Law and Philosophy Library, 2023, CXL, 305–16 <https://doi.org/10.1007/978-3-031-28555-4_15>