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

Authors

  • Dinda Dinanti Doctoral Program Faculty of Law, Universitas Sebelas Maret Author
  • Muthia Sakti Doctoral Program Faculty of Law, Universitas Sebelas Maret Author
  • Indira Putri Irfani Doctoral Program Faculty of Law, Universitas Sebelas Maret Author
  • Sinta Ana Pramita Doctoral Program Faculty of Law, Universitas Sebelas Maret Author

DOI:

https://doi.org/10.15294/ulj.v6i2.48219

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.

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Published

2020-10-30

Article ID

48219

Issue

Vol. 6 No. 2 (2020): October, 2020

Section

Review Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

All writings published in this journal are the personal views of the authors and do not represent the views of this journal or the authors' affiliated institutions. Author(s) retain copyrights under the license of  Creative Commons Attribution-NonCommercial-ShareAlike 4.0 (CC BY-NC-SA 4.0).