Politics of Law for the Protection of Debtors as Consumers in Fintech based Loaning Services

Author:Dinda Dinanti, Muthia Sakti, Indira Putri Irfani, Sinta Ana Pramita
Position:Lecturer at UPN Veteran Jakarta/Lecturer at UPN Veteran Jakarta/Student at Doctoral Program, Faculty of Law, Universitas Sebelas Maret, Surakarta, Indonesia/Student at Doctoral Program, Faculty of Law, Universitas Sebelas Maret, Surakarta, Indonesia
Pages:427-444
PROTECTION OF DEBTORS A CONSUMERS IN FINTECH
Private and Commercial Law
427
Politics of Law for the Protection of Debtors as
Consumers in Fintech based Loaning Services
Dinda Dinanti1, Muthia Sakti2*, Indira Putri Irfani3, Sinta Ana
Pramita4
1 2 3 4 Doctoral Program, Faculty of Law, Universitas Sebelas Maret,
Surakarta, Indonesia
muthiasakti@upnvj.ac.id
ARTICLE INFORMATION
History of Article
Submitted : August 19, 2020
Revised : September 13, 2020
Accepted : October 31, 2020
Copyrights
Copyrights is on Author(s), and publishing rights on Publisher. This work
is licensed under a Creative Commons Attribution-NonCommercial-
ShareAlike 4.0 International License.
Conflicting Interest Statement
All authors declared that there is no potential conflict of interest on publishing this article.
Funding
None
Publishing Ethical and Originality Statement
All authors declared that this work is original and has never been published in any form
and in any media, nor is it under consideration for publication in any journal, and all sources
cited in this work refer to the basic standards of scientific citation.
Cite this article as:
Dinanti, D., Sakti, M., Irfani, I. P., & Pramita, S. A. (2020). Politics of Law for the
Protection of Debtors as Consumers in Fintech based Loaning Services. Unnes Law
Journal, 6(2), 427-444. https://doi.org/10.15294/ulj.v6i2.40349
Jurnal Hukum Universitas Negeri Semarang
UNNES LAW JOURNAL 6(2) 2020
Jurnal Hukum Universitas Negeri Semarang
428
Politics of Law for the Protection of
Debtors as Consumers in Fintech
based Loaning Services
Dinda Dinanti, Muthia Sakti, Indira Putri Irfani, Sinta Ana Pramita
ABSTRACT. This study aims to analyze legal protection related to technology-
based lending and borrowing services. The research method used is normative legal
research, with a statutory approach, namely an approach using legislation and
regulations, and a conceptual approach that refers to existing legal doctrines. The
data collection technique used was a literature study. The results show that legal
protection for debtors as consumers has not been realized because the consumer
dispute resolution mechanism for non-PUJK activities has not been regulated, there
is no regulation regarding the interest rate ceiling and mechanisms related to the
collection process, and because of the lack of strict sanctions against online loan
administrators who commit violations.
KEYWORDS. Legal protection; Online Loans; Financial Technology
Jurnal Hukum Universitas Negeri Semarang

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