ASPEK HUKUM PERJANJIAN PINJAMAN ONLINE (Legal Aspect Of Online Loan Agreement)
Abstract
Borrowing and borrowing is an agreement in which one party gives to another party an amount of goods that are finished due to use on the condition that this party will return the same amount and the same quality (Article 1754 of the Civil Code). In addition to borrowing goods in practice Borrowing is also borrowing against money. Currently, lending and borrowing money is not only done directly to institutions that provide loans such as banks or other financial institutions, but lending and borrowing services have been carried out using financial technology (Fintech). In Indonesia, information technologybased lending and borrowing or borrowing and borrowing money online is regulated in the Financial Services Authority Regulation Number 77/POJK.01/2016 concerning Information Technology-Based Borrowing-Lending Services. The Community Service Team, Lecturers of the Faculty of Law, Islamic University of North Sumatra, conducted legal outreach activities to the people of Suka Beras Village, Perbaungan District, Serdang Bedagai Regency. One of the materials presented was about the Legal Aspects of Online Lending Agreements. The aim is to understand the law of lending and borrowing money online, regarding the rights and obligations of the parties as well as legal protection for the community as debtors who depend on online lending and borrowing agreements, so as not to harm if there are legal problems during the online lending and borrowing agreement on line.
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Penulis yang artikelnya diterbitkan pada Jurnal Pena Hukum (JPH) ini menyetujui persyaratan berikut:
Penulis memiliki hak cipta dan memberikan hak jurnal untuk publikasi pertama dengan karya yang secara simultan dilisensikan di bawah Creative Commons Attribution License yang memungkinkan orang lain untuk berbagi karya dengan pengakuan kepengarangan karya dan publikasi awal dalam jurnal ini.
Penulis dapat mengadakan perjanjian kontrak tambahan yang terpisah untuk distribusi non-eksklusif versi jurnal yang diterbitkan dari karya tersebut (misalnya, mempostingnya ke repositori institusional atau menerbitkannya dalam sebuah buku), dengan pengakuan atas publikasi awalnya di jurnal ini.
Penulis diizinkan dan didorong untuk memposting pekerjaan mereka secara online (mis., Dalam repositori institusional atau di situs web mereka) sebelum dan selama proses pengajuan, karena dapat menyebabkan pertukaran yang produktif, serta kutipan yang lebih awal dan lebih besar dari karya yang diterbitkan. Lihat (The Effect of Open Access).
