Tinjauan Yuridis Terhadap Perlindungan Hukum Bagi Pengguna Jasa Pinjaman Online Ilegal Di Indonesia

Sinaga, Eko Pratama; Alhakim, Abdurrakhman

doi:10.31933/unesrev.v4i3.235

Cited by 5 publications

(3 citation statements)

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“…Perjanjian dalam sistem pinjaman online menarik untuk dianalisis, mengingat banyaknya kasus pinjaman online yang terjadi, Telaah banyak kasus pinjaman online yang menjerat masyarakat (Fitra, 2021;Abdullah, 2021;Sinaga & Alhakim, 2022;Sidiq & Setiawan, 2022;dan Indradjaja et al, 2022). Berdasarkan pemaparan di atas, maka tujuan penelitian ini adalah untuk mengana-lisis aspek hukum perjanjian dalam sistem shopee spinjam pada kegiatan kredit online di Indonesia.…”

Section: Pendahuluanunclassified

Aspek Hukum Perjanjian dalam Sistem Shopee Spinjam pada Kegiatan Kredit Online di Indonesia

Purborini

2022

M. Law Jou.

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This research aims to analyze the legal concept of a credit agreement when viewed from the Civil Code and how the concept of the Shopee SPinjam credit agreement on the Shopee application. This research is a normative legal research with a statutory approach method and a comparative approach. The results showed that the credit agreement on Shopee SPinjam when viewed from civil law is in accordance with what is regulated in the Civil Code and related regulations such as the implementing rules of Shopee SPinjam. So that from the review of civil law the position of the Shopee SPinjam credit agreement is considered valid. The legal consequences of the Online Money Lending Agreement in the perspective of Civil Law have binding legal force for the parties as agreements in general. However, there is something that must be considered, namely the interest rates of both because with high interest rates the agreement can be canceled. The government through Bank Indonesia or the Financial Services Authority must immediately make regulations regarding restrictions on loan interest or regulations related to Reasonable Interest Rates for loans and financial technology. The determination of interbank bidding rates will reduce the complexity of financial contracts by encouraging the standardization of the use of benchmark interest rates on debt securities and/or loans with floating interest rates, rupiah interest rate derivatives and also for valuation of financial instruments. In addition, the government must ensure supervisory authority and provide protection for users and providers of financial technology with certaintyDOI: https://doi.org/10.26905/mlj.v3i1.9262

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Section: Pendahuluanunclassified

Aspek Hukum Perjanjian dalam Sistem Shopee Spinjam pada Kegiatan Kredit Online di Indonesia

Purborini

2022

M. Law Jou.

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“…To meet various needs, today people no longer need to be tired of going out of the house, everything can be fulfilled simply from the bedroom using a gadget/android mobile phone. Starting from various basic necessities, payment of various bills/accounts, tickets, hotels, and various other needs, everything can be fulfilled easily through the application that has been provided without having to get tired of leaving the house by spending energy, time to queue which sometimes reaches hours (Sinaga & Alhakim, 2022).…”

Section: Introductionmentioning

confidence: 99%

The Legal Intricacies of Illegal Pinjol and Pinjol

Sitepu

2023

JOSR

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Motivated by the many illegal pinjols that seem to be endless, even though thousands of them have been closed by the Government; The anxiety, anxiety, and anxiety experienced by victims of illegal pinjol, illegal pinjol which has clearly disturbed / hindered the growth of official pinjol, prompted a review of the problem of illegal pinjol and pinjol. From the review carried out, it is known that based on OJK Regulation Number 77 / POJK.01 / 2016 concerning Technology-Based Money Lending and Borrowing Services, lending must be held by an operator who is registered and has permission from the Financial Services Authority (OJK), its implementation must also follow OJK regulations. Loan operators who are not registered and have OJK permits, are illegal borrowers, who in offering and/or promoting their loans are carried out in ways that are not as promised, collection is carried out by means of threats and intimidation.

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“…Anak muda saat ini sangat rawan terjerat pinjol (Hartati & Syafrida, 2022) Masa yang serba sulit ini ketika kebutuhan hidup naik sedangkan pekerjaan, maupun gaji yang didapatkan tidak sebanding dengan kehidupan, maka salah satu cara pintas yang sering dilakukan adalah dengan meminjam secara online. Dengan proses yang cepat serta mudah cair, namun yang perlu diingat bahwa dalam pinjaman online banyak sekali kerugian yang bisa menyebabkan tidak terjaga privasi konsumen, maka sangat butuh adanya penguatan terkait dengan perlindungan konsumen atas financial technology (Pratama Sinaga & Alhakim, 2022).…”

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Perlindungan Konsumen Dalam Pandangan Sosiologi Dan Antropologi Hukum Ekonomi Syariah

Ikhsan,

Arifin,

Abdal

2023

ACM

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sociology of Law is the study whose object is legal phenomena using the social sciences. The perspective used is seen from different sides. Because it refers to symptoms that occur in society. Anthropology is a scientific discipline whose focus of study lies on humans and culture in society. This type of research uses literature research that takes data through information by obtaining library materials, data techniques that have been obtained by reviewing and analyzing, both in the form of books, journals, research results. As well as by using descriptive analysis techniques. Consumer protection is all efforts made by the government to ensure legal certainty in providing protection to consumers. The UUPK outlines the rights and obligations of consumers and businesses. Consumer rights are divided into 9 points regarding security, comfort, consumer safety is an urgent matter in consumer protection. In sharia economic law, the stages that constitute legal protection can be given. In the study of Islamic fiqh related to the truth and accuracy of information When business actors promote their sales occupy at the study stage. In recent years Indonesia has experienced several phenomena that occur in the community, but these phenomena are negative because they make it difficult for people to carry out their activities such as hoarding masks, and hoarding cooking oil. The relationship between sociology of anthropology and Islamic economic law on consumer protection is that, phenomena that occur in society, can have an impact not on legal, religious, or social aspects. Referring to the issue of consumer protection on social media, there are three points that are the focus of the problem, namely the Revision of the Consumer Protection Law. Consumer protection of non-conforming goods (defective, different orders, fraud). Consumer protection of Financial Technology

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Tinjauan Yuridis Terhadap Perlindungan Hukum Bagi Pengguna Jasa Pinjaman Online Ilegal Di Indonesia

Cited by 5 publications

References 1 publication

Aspek Hukum Perjanjian dalam Sistem Shopee Spinjam pada Kegiatan Kredit Online di Indonesia

Aspek Hukum Perjanjian dalam Sistem Shopee Spinjam pada Kegiatan Kredit Online di Indonesia

The Legal Intricacies of Illegal Pinjol and Pinjol

Perlindungan Konsumen Dalam Pandangan Sosiologi Dan Antropologi Hukum Ekonomi Syariah

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