PERLINDUNGAN KONSUMEN PEMINJAMAN DANA SECARA ONLINE PADA PERUSAHAAN FINANCIAL TECHNOLOGY

Main Article Content

Bisma Putra Pratama
Susanti Sembiring

Abstract

Financial technology (fintech)-based companies are currently growing rapidly in Indonesia. Law Number 8 of 1999 concerning Consumer Protection states that the terms of the agreement must be in line with the legal requirements of the agreement as regulated in Article 1320 BW in the reality of online-based (fintech) agreements. However, at the practical level, there is a standard clause containing an exoneration clause in the fintech agreement that has the potential to harm consumers. For this reason, the researcher raises the problem in this study, namely how to implement and/or violate Article 18 Number 8 of 1999 concerning Consumer Protection and whether the online agreement violates the provisions of Article 18 of Law Number 8 concerning Consumer Protection. The writing method of this research uses normative legal research, and uses a statutory approach, namely UUPK. The standard clause agreement can be seen in the electronic data-based loan agreement (fintech). In this case, it was made by the fintech business actor. And consumers/customers as the other party are harmed. Therefore, it is necessary to enforce consumer rights. The standard clause is actually allowed by the UUPK on the condition that it cannot include what is regulated in the UUPK. And a form of legal protection for consumers is that consumers can complain about the actions of business actors to the authorized institution, namely the Financial Services Authority (OJK) and business actors are subject to sanctions in the form of removing online-based media on the Google Play Store platform.

Article Details

How to Cite
Putra Pratama, B., & Sembiring, S. (2022). PERLINDUNGAN KONSUMEN PEMINJAMAN DANA SECARA ONLINE PADA PERUSAHAAN FINANCIAL TECHNOLOGY. JURNAL SAKATO EKASAKTI LAW REVIEW, 1(2), 59-66. https://doi.org/10.31933/jselr.v1i2.640
Section
Articles

References

AZ. Nasution, Hukum Perlindungan Konsumen Suatu Pengantar, Diadit Media, Jakarta, 2004
B. Arief Sidhart, Pengembanan Hukum, Ilmu Hukum, Teori Hukum dan Filsafat Hukum, PT Rafika Aditama,
Bandung David M.L. Tobing, Klausula Baku Paradoks Dalam Penegakan Hukum Perlindungan Konsumen, (Jakarta: Gramedia, 2019),
Djoko Prakoso dan Bambang Riyadi Lany, Dasar Hukum Persetujuan Tertentu Di Indonesia, Bina Aksara, Jakarta, 1987
Erawaty, A.F.Elly dan Badudu, J.S. 1996. Kamus Hukum Ekonomi. Jakarta:
Elips Handri Raharjo, Hukum Perjanjian Di Indonesia, Pustaka Yustisia, Yogyakarta, 2009
Harahap, M. Yahya. 1986. Segi-segi Hukum Perjanjian. Bandung: Alumni
Hasanuddin Rahman, Kebijakan Kredit Perbankan yang berwawasan lingkungan, PT Citra Aditya Bakti, Bandung, 2000
Sunaryo, Hukum Lembaga Pembiayaan, Sinar Grafika,Jakarta, 2008
Burhan Bungin, (ed), Metodologi Penelitian Kualitatif, Jakarta: Raja Grafindo Persada, 2006
Janus Sidabalok, Hukum Perlindungan Konsumen di Indonesia, PT Citra Aditya Bakti, Bandung, 2014
Kitab Undang-Undang Hukum Pidana (KUHP)
Kitab Undang-Undang Hukum Perdata (KUHPer)
Undang-undang Nomor 8 Tahun 1997 tentang Dokumen Perusahaan
Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen
Undang-undang Nomor 16 Tahun 2016 Tentang Informasi dan Transaksi Elektronik
Peraturan Menteri Kominfo Nomor 20 Tahun 2016 Tentang Perlindungan Data Pribadi dalam Sistem Elektronik
Peraturan Bank Indonesia Nomor 18/40/ PBI/2016 tentang Penyelenggaraan Pemrosesan Transaksi Pembayaran;
Peraturan Bank Indonesia Nomor 18/17/ PBI/2016 tentang Uang Elektronik.
Peraturan Otoritas Jasa Keuangan (POJK) No 77 Tahun 2016 tentang Layanan Pinjam-Meminjam Uang Berbasis Teknologi Informasi.
POJK Nomor: 1/POJK.07/2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan
Surat Edaran Bank Indonesia Nomor 18/22/DKSP perihal Penyelenggaraan Layanan Keuangan Digital;
Surat Edaran OJK (SEOJK) Nomor 18/SEOJK.02/2017 Tentang Tata Kelola dan Manajemen Risiko Teknologi Informasi Pada Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi