Tinjauan Yuridis Terhadap Perlindungan Konsumen Atas Penyedia Jasa Layanan Pinjaman Berbasis Teknologi Informasi

Abstract

One of the developments in Information Technology at this time is in the business industry that gave birth to online trade or e-commerce. However, it has also penetrated the financial industry, one of which is lending and borrowing money online which can be accessed by the public through the internet and gadgets. Fintech companies that are getting more and more popular now. However, there are still cases of borrowing and borrowing money online where the data is scattered, threatened and intimidated. Because as a debtor, the fintech party as a lender is considered to have violated the law by distributing their personal data and making collections that are not only done to the borrower or emergency contacts included by the borrower. The method used in this paper is the method of normative juridical law with a statutory approach and a literature study approach. The result of this study is that with the regulations issued by the Financial Services Authority (OJK) against online lending, money lending companies do not do anything detrimental to customers. Based on OJK Regulation No.77/POJK.01/2016, service providers can be given administrative sanctions in accordance with applicable regulations. Fintech business actors are responsible for losses suffered by reference in accordance with Article 4, Article 9 and Article 16 of the UUPK.