Financial technology is a business that provides financial services by utilizing cutting-edge software and technology. Online loan providers are financial service providers that operate online using information technology. They are well-known for having a simple process and are particularly useful in the current situation, where there is an urgent need, but no funds are available. In less than two years, dozens of financial technology companies have started lending online in Indonesia, far exceeding many people's expectations. However, when applying for credit, many consumers do not consider or care about the legality of online lending institutions. Based on the above description, this research aims to determine the main characteristics of illegal online loans in Indonesia, as well as the legal responsibility of illegal online loan providers to borrowers. The approach used in normative research refers to legal norms, which are laws, regulations, court decisions, and societal norms. The results of the studies showed that characteristics of illegal online loans in Indonesia are often associated with the word illegal because the online loan often has not been or is not authorized by the OJK; this happens because there are requirements that the online loan provider cannot meet. This online loan uses peer-to-peer landings and financial technology (Fintech), authorized in Regulation 77/POJK.01/2016 concerning Information Technology-Based Lending and Borrowing Services governs fintech. Illegal online loan providers can be subject to several sanctions, including; administrative sanctions, criminal sanctions, and civil sanctions.

Considerations of Judges Decision 451 K/TUN/2019 In Issuing Certificates of Ownership Without Objects, raises a problem, namely how are judges' considerations in deciding cases of certificates of ownership issued without objects in the Makassar State Administrative Court decision number 49/G/2018/PTUN.Mks, Makassar State Administrative High Court decision number 20/B/2019/PTTUN.Mks. and legal protection for owners of land rights SHM No. 22142/Gunung Sari, with an area of 10,065 M2 in the name of Haji Muhammad Zikir which has been revoked and crossed out from the register book of the Makassar City Land Office based on Supreme Court decision number 451 K/TUN/2019. The results of the analysis are that it is a weakness of our justice system, especially the state administrative court institutions that do not review the object of the dispute. Judges' considerations in deciding cases of property rights certificates are issued without objects. first, courts of appeal and courts of cassation. Legal protection for certificate holders without land objects is given the right to sue the PTUN against BPN, and the holder is only given rights protection in line with the form of protection for certificate owners which is part of the 1945 Constitution article 1 (paragraph) 3 relating to the rule of law, as well as Government Regulation No. 24 of 1997 article 4.

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