PERLINDUNGAN HUKUM BAGI KONSUMEN DENGAN METODE PEMBAYARAN KREDIT GOPAYLATER PADA APLIKASI GOJEK

Abstract

GopayLater by Findaya is a technology-based financial service that means a service in the Platform or Authorized Platform Partner which is the provision of information technology-based loan facilities. In the use of the GopayLater payment method, a multipurpose financing agreement will arise. The problems in this study are the provisions governing the multipurpose financing agreement with the GopayLater payment method in the Gojek application, then regarding the rights and obligations of the parties to the multipurpose financing agreement with the GopayLater payment method in the Gojek application and legal protection for consumers related to problems arising in the use of the GopayLater payment method in the Gojek application. This type of research uses normative law using a descriptive form of analysis. The source of data used in this study is secondary data in the form of laws or written laws which in this case are the Civil Code, Law Number. 8 of 1999 on consumer protection, and Law on the credit system. The data collection method used is library research. Data analysis in this writing uses qualitative data. In Article 19 paragraph (1) of the Financial Services Authority Regulation Number 35/POJK.05/2018 concerning the Implementation of Financing Company Business it is stated that "Financing Companies can carry out their business activities by utilizing information technology". Forms of legal protection of consumer users. GopayLater is a provision that describes the protection of consumer rights, compensation, handling consumer complaints and resolving consumer disputes.

Keywords : Legal Protection, Credit, GoPayLater, Consumer