ANALISIS PERLINDUNGAN HUKUM TERHADAP KONSUMEN DALAM PINJAMAN ONLINE

Abstract

Technological advances in society have increased quite rapidly, starting from electronic goods to applications that have been made by most people to make it easier to access the things they want. The breadth of technology that is being spread by these people has a lot of things that can be called Legal and also Illegal, where these things can steal information or provide services to the wider community but have not been registered as safe or registered by the Government. The community has also just been hit by a pandemic that lasted quite a long time which resulted in many people being disconnected from their previous jobs and until now there are still not many job vacancies where the community's unemployment rate has increased quite a bit and their daily needs must be met for their families. Therefore, many people are starting to try to make online applications where the application provides online money Lending services to the public by only needing to show their identity in the form of an ID card and their face photographed. However, there are a lot of companies that are not registered with the Financial Services Authority (OJK), where the company is considered illegal or the negative impact of online money loans is that one cannot be sure whether the identities of the customers who make loans can be properly maintained or not. This study aims to provide an overview of online money loans that are starting to circulate widely in the community to find out whether legal protection is guaranteed for companies that provide these services.

Keywords : Legal Protection, Online loans, Fintech, Peer to Peer Lending