Today's business development is very advanced. No longer developing only business that leads conventionally but also leads to technology-based business. The business of trade and services that lead to this technology also eventually also requires assistance from the financial services sector in the context of developing its business. Financial technology or better known as fintech is innovation in the field of financial services. Fintech is better known in recent years in the business world. This happens because technology evolves with the times. The development and evolution of this technology can make individuals today become easier in doing business. One service from Fintech that is currently popular is often also called Peer-to-Peer (P2P) Lending, or a company that brings lenders with loan seekers in one container, which financing or credit agreement is carried out with an online system and with the form of a standard agreement electronically. The financing or credit agreement is signed with an electronic signature and no stamp. This will cause problems if there is a default when the loan payment cannot be paid. What legal certainty can be given to creditors and debtors in the loan agreement. The research method used in this paper is a normative juridical legal research method. Where normative legal research is carried out by examining legislation and other literary materials.

The Nominee Agreement in Indonesian civil law which is based on the Civil Code does not have any rules in it. An agreement that has no rules in the Civil Code can be called an anonymous agreement (Innominant Contract). Where this unnamed agreement is an agreement which rules are not yet contained in the Civil Code, but in fact exist and develop in society following the times. The writing of this journal article is normative juridical research using a statutory approach, a case approach, and a conceptual approach. This study was made to analyze and describe the legal consequences that will occur to the notary who makes the Nominee deed. It can be interpreted that a notary who makes an authentic deed in the form of a nominee deed will face the consequences of making the deed where it can be said that the nominee deed is a deed that leads to legal smuggling. Based on the explanation above, the results obtained from the research are that a notary can be subject to sanctions against the authentic deed he made. Because this is an act against the law both in civil, criminal, and in the form of administration.

The Sendi customary community is a community that has procedures for implementing customary law through the customary justice system. Not only that, the Sendi customary community also has a distinctive legal code and customary apparatus; so that its existence needs to be maintained in the face of the era of legal modernization. This research is an empirical legal research; by using secondary data types obtained from various searches for journal articles, books, and information through online news online; relating to the substance of the research. The purpose of this research is to describe the structure of Sendi's customary court in maintaining the existence of customary law; as well as describing the strategy of legal pluralism in Sendi's customary court to face modernization of law era. This empirical legal research focuses on the structure of Sendi's customary court with an approach of legal pluralism. The results of the study confirm that a legal pluralism strategy is needed to maintain the existence of the Sendi traditional court in the era of legal modernization; and integration efforts are needed between the law and the customary apparatus of Sendi with the law and the national or state apparatus.

Farmers and fishermen have a very strategic position in fulfilling the food of the Indonesian people. So it is necessary to increase agricultural and fishery commodities. Agrarian conflicts and land disputes are one of the frictions that interfere with the effectiveness of agricultural and fishery life. There are at least two triggers for agrarian conflicts, firstly the lack of precise laws and policies governing agrarian issues, both related to views on land, land status, and ownership, land rights, as well as methods for obtaining land rights. Second, inaction and injustice in the process of resolving land disputes, which ultimately lead to conflict. Therefore, Agrarian Reform is here to narrow the inequality of land tenure and ownership, which in fact will provide new hope for change and distribution of socio-economic equality of society as a whole. Agrarian Reform following Presidential Regulation of the Republic of Indonesia Number 86 of 2018 is a restructuring of the structure of control, ownership, use, and utilization of land that is more equitable through Asset Management and accompanied by Access Management for the prosperity of the Indonesian people. The implementation of Agrarian Reform is carried out through the stages of Asset Management and Access Arrangement. Asset Management consists of Land Redistribution and Asset Legalization. Access arrangements are carried out on a cluster basis to increase economies of scale, add value and encourage entrepreneurial innovation on Agrarian Reform Subjects.

HT-el services that meet the principles of openness, timeliness, speed, convenience and affordability that are the ideals of PermenATR / KBPN 9/2019 are a little "tarnished" by the existence of an article that does not accommodate these conveniences, namely in Article 9 paragraph 5 Permen ATR / KBPN 9/2019 which states that "Requirements in the form of a Certificate of Land Rights or Ownership Rights in a Flats Unit must be in the name of the debtor." What if the certificate is in the name of the guarantor or another party, whose name is not the debtor. Is the certificate of land rights then can not be encumbered with mortgage rights?. The purpose of this research article is to provide understanding for the people who are of course the target for the use or implementation of this HT-el. The research method in writing this article is a normative juridical approach where legal research is carried out by examining library materials or secondary data as a basis for research by searching for the regulations and literature relating to the problem under study. The results of this study are that changes must be made to PermenAg No. 9/2019 especially in Article 9 paragraph 5 which states that "Requirements in the form of a Certificate of Land Rights or Ownership Rights in a Flats Unit must be in the name of the debtor" to "Requirements in the form of Certificates of Land Rights or Ownership Rights in the Flats must be in the name of the giver mortgage right".