Legal Protection for Online-Based Lending Consumers
Keywords:
Consumer protection, online lending, regulation, transparency, consumer education, unfair billingAbstract
The legal protection of online lending consumers is crucial in the era of digitalization, given the challenges faced such as fraud, inappropriate collection practices, and unauthorized dissemination of personal data. This study analyzes the effectiveness of existing regulations, such as the Consumer Protection Law and OJK regulations, and evaluates their impact on consumers. While the regulations provide a good legal framework, enforcement and implementation remain ineffective. Key challenges include lack of consumer understanding of loan terms, low transparency of fees, and intimidating collection practices. To improve protection, consumer education, increased transparency by service providers, and stricter enforcement are recommended. Coordination between the government and the financial industry is also needed to ensure consumer rights are comprehensively protected. With these measures, a safer and more reliable online lending environment for consumers is expected.
References
Busro, A. (2013). Kapita Selekta Hukum Perjanjian. Pohon Cahaya, Yogyakarta.
Dewi, E. W. (2015). Hukum Perlindungan Konsumen. Graha Ilmu, Yogyakarta.
Hasibuan, R. (2019). Analisis Yuridis Perlindungan Konsumen Dalam Pinjaman Online. Jurnal Ilmiah Kebijakan Hukum, 13(3), 342-355.
Indaryanti, N. & Y. Mening, F. Issalillah, D. Darmawan, & H Amir. (2023). Ensuring Legal Protection for Consumers Affected by Dental Practice Services, Studi Ilmu Sosial Indonesia, 3(1), 93-106.
Issalillah, F., D. Darmawan & R. K. Khayru. (2021). Social Cultural, Demographic and Psychological Effects on Insurance Product Purchase Decisions, Journal of Science, Technology and Society, 2(1), 1-10.
Issalillah, F. & R. K. Khayru. (2023). Legal Perspective on Patient Rights in Complementary and Alternative Medicine (CAM), Legalis et Socialis Studiis, 1(2), 1-13.
Kemarauwana, M. & D. Darmawan. (2020). Perceived Ease of Use Contribution to Behavioral Intention in Digital Payment, Journal of Science, Technology and Society, 1(1), 1-4.
Lestari, U. (2018). Perlindungan Data Pribadi Konsumen Pinjaman Online. Jurnal Hukum & Pembangunan, 48(1), 159-178.
Mardikaningsih, R. & D. Darmawan. (2023). Analysis of Financial Literacy and Risk Tolerance on Student Decisions to Invest, International Journal of Service Science, Management, Engineering, and Technology, 3(2), 7–12.
Negara, D.S. & D. Darmawan. (2023). Digital Empowerment: Ensuring Legal Protections for Online Arisan Engagements. Bulletin of Science, Technology and Society, 2(2), 13-19.
Nugroho, H. (2020). Perlindungan Hukum Bagi Para Pihak Dalam Transaksi Pinjaman Online. Jurnal Ilmu Hukum dan Humaniora, 7(2), 328-334.
Peraturan Otoritas Jasa Keuangan (OJK). Peraturan OJK No. 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi.
Peraturan Menteri Komunikasi dan Informatika No. 20 Tahun 2016 tentang Perlindungan Data Pribadi dalam Sistem Elektronik.
Undang-Undang No. 8 Tahun 1999 tentang Perlindungan Konsumen.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 Faridi Faridi, Didit Darmawan, Rommy Hardyansah, Arif Rachman Putra, Agung Satryo Wibowo
This work is licensed under a Creative Commons Attribution 4.0 International License.
Most read articles by the same author(s)
- Rommy Hardyansah, Jahroni Jahroni, Didit Darmawan, Samsul Arifin, Dharma Setiawan Negara, Student Interest in Becoming Customers of Islamic Banks in Terms of Religiosity and Product Knowledge , International Journal of Service Science, Management, Engineering, and Technology: Vol. 4 No. 1 (2023): International Journal of Service Science, Management, Engineering, and Technology (August)
- Eli Retnowati, Didit Darmawan, Job Satisfaction Dynamics and Turnover Intention: A Study on Contract Workers in the Manufacturing Industry , International Journal of Service Science, Management, Engineering, and Technology: Vol. 2 No. 3 (2022): International Journal of Service Science, Management, Engineering, and Technology (December)
- Eli Masnawati, Didit Darmawan, Optimal Utilization of Google Classroom Media in Online Learning , International Journal of Service Science, Management, Engineering, and Technology: Vol. 4 No. 1 (2023): International Journal of Service Science, Management, Engineering, and Technology (August)
- Khoirul Nur Kholis, Nur Chamim, Julung Agil Susanto, Didit Darmawan, Muas Mubarak, Analyzing Electronic Medical Records: A Comprehensive Exploration of Legal Dimensions within The Framework of Health Law , International Journal of Service Science, Management, Engineering, and Technology: Vol. 4 No. 1 (2023): International Journal of Service Science, Management, Engineering, and Technology (August)
- Sutriyono Sutriyono, Rommy Hardyansah, Suwito Suwito, Rafadi Khan Khayru, Samsul Arifin, Pratolo Saktiawan, Novritsar Hasintongan Pakpahan, BPOM in Monitoring and Controlling Illegal Cosmetics , International Journal of Service Science, Management, Engineering, and Technology: Vol. 5 No. 2 (2024): International Journal of Service Science, Management, Engineering, and Technology (April)
- Aan Wibowo, Agung Satryo Wibowo, Febrian Dirgantara, Didit Darmawan, Rafadi Khan Khayru, Eko Wahyudi, Arif Rahman, Legal Policy in Overcoming the Circulation of Cigarettes of No Cigarette Excise Tax Band , International Journal of Service Science, Management, Engineering, and Technology: Vol. 5 No. 2 (2024): International Journal of Service Science, Management, Engineering, and Technology (April)
- Sudja'i Sudja'i, Mohamad Farid, Wakid Evendi, Didit Darmawan, Agung Satryo Wibowo, The Effectiveness Of The Service Of Making a Trading Business License at The Investment Office of The One-Stop Integrated Service of Surabaya City , International Journal of Service Science, Management, Engineering, and Technology: Vol. 4 No. 1 (2023): International Journal of Service Science, Management, Engineering, and Technology (August)
- Arif Rachman Putra, Jahroni, Integrating Technology in Leadership Style to Improve Innovation and Team Performance , International Journal of Service Science, Management, Engineering, and Technology: Vol. 7 No. 1 (2025): International Journal of Service Science, Management, Engineering, and Technology (February)
- Abbas Sofwan Matlail Fajar, Ahmad Fauzi, Didit Darmawan, Arif Rachman Putra, Samsul Arifin, Transformation of Islamic Religious Education in the Digital Landscape and its Implications for Pedagogical Innovation , International Journal of Service Science, Management, Engineering, and Technology: Vol. 8 No. 1 (2025): International Journal of Service Science, Management, Engineering, and Technology (August)
- Adebayo Oluwatosin, Didit Darmawan, The Relationship Between Psychological Well-Being and Social Interaction: Reconstructing Social Exchange Theory in a Cross-Cultural Perspective , International Journal of Service Science, Management, Engineering, and Technology: Vol. 6 No. 3 (2024): International Journal of Service Science, Management, Engineering, and Technology (December)
