Juridical Analysis of the Validity of Electronic Evidence in the Form of Instant Messaging Screenshots in Loan Agreement Disputes

Nanin Koeswidi Astuti

doi:10.59890/ijla.v4i1.167

Authors

Nanin Koeswidi Astuti Universitas Kristen Indonesia

DOI:

https://doi.org/10.59890/ijla.v4i1.167

Keywords:

Electronic Evidence, Instant Messaging Screenshots, Loan Agreement, Juridical Validity, EIT Law

Abstract

This research aims to analyze the juridical validity of instant messaging screenshots as evidence and determine the requirements for binding evidentiary power in Indonesian loan agreement disputes. Using a normative juridical method with statute and conceptual approaches, this study examines the harmonization between the Civil Code and the updated EIT Law (No. 1 of 2024). The results indicate that while screenshots have constitutional legitimacy as electronic evidence, their validity is relative-conditional, depending heavily on data integrity and authenticity. Findings show that success rates increase significantly (up to 96%) when visual evidence is corroborated by forensic imaging and metadata synchronization. This study implies that legal certainty for creditors requires technical-procedural integrity beyond mere visual representation.

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