LEGAL PROTECTION FOR VICTIMS IN AGREEMENT ON ONLINE LOAN SHARKS PRACTICE IN INDONESIA

  • Mila Surahmi Universitas Sjakhyakirti
  • Junaidi Junaidi Universitas Sjakhyakirti
  • Patih Ahmad Rafie Universitas Sjakhyakirti

Abstract

Indonesia's economic growth is currently experiencing tidal economic growth. During this pandemic, Indonesia's economic conditions have become very unstable. One means to improve the social economy in a country is by providing loans from official financial institutions in the form of money or capital to people in need. However, in practice, this situation used by unscrupulous persons (loan sharks) to obtain a large profit, by providing funds/capital for people who need it with a simple and easy condition, but requiring high interest and high risk and adversely affect society when unable to fulfill a required agreement. Nowadays the practice of loan sharks in the community has evolved considerably along with the development or advancement of technology. The former borrower must meet directly with the lender (loan sharks). Now the practice of the moneylenders already "online" the emergence of financial services based on digital technology or financial technology (fintech). The problem arising from the practice of Loan Sharks has been very much in the midst of Indonesian society, such as acts of harassment / unlawful acts in billing to borrowers. Of course, the presence of the country needed to provide legal certainty to achieve order and justice in society. Therefore, this research focuses highlights on the validity of the agreement that is the basis of the legal relationship between borrowers and the lender; The legal consequences of such agreement; and legal protection for victims in agreement on the practice of online loan sharks in Indonesia. The research used is normative juridical research, with a statutory approach and a conceptual approach. This research can be known criteria of a valid agreement so that can be determined legal protection efforts that can be given to victims due to the agreement on the practice of online loan sharks.

References

Bambang Sunggono, 2010. Metode Penelitian Hukum. Jakarta : Rajawali Pers.
Elsie F. Hakim (2020). Fintech di Masa Pandemi Covid-19. Webinar yang diselenggarakan Yayasan
ABNR Counsellors at Law, pada tanggal 02 Juni 2020.
E. Santi, B. Budiharto dan H. Saptono (2018). Pengawasan Otoritas Jasa Keuangan terhadap Financial
Technologi (Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016). Diponegoro Law
Journal : Fakultas Hukum Universitas Diponegoro, Volume 6 Nomor 1.
Heryucha Romanna Tampubolon (2019) .Seluk Beluk Peer to Peer Lending sebagai Wujud Baru
Keuangan di Indonesia. Jurnal Bina Mulia Hukum : Fakultas Ilmu Hukum Universitas
Padjajaran, Volume 3 Nomor 2, Maret 2019.
Imanuel Aditya W. Chrismastianto (2017). Analisis SWOT Implementasi Teknologi Finansial
terhadap Kualitas Layanan Perbankan di Indonesia. Jurnal Ekonomi dan Bisnis : Fakultas
Ilmu Pendidikan Universitas Pelita Harapan Tangerang, Volume 20 Nomor 1, April 2017.
Kornelius Benuf, Siti Mahmudah dan Ery Agus Priyo (2019). Perlindungan Hukum terhadap
Keamanan Data Konsumen Financial Technologi di Indonesia. Jurnal Reflleksi Hukum :
Fakultas Hukum Universitas Kristen Satya Wacana, Volume 3 Nomor 2, April 2019.
Limpanadusadee Maturgorn dan Li Zhihong (2017). The Impact of Personal Characteristics on
Lender’s Trust in Online P2P Lending. Journal of Business and Management, 19(11), hlm.
49, http://www.iosrjournals.org/iosr-jbm/papers/Vol19-issue11/Version-7/H1911 074854 .pd
Mukti Fajar ND dan Yulianto Axhmad (2009). Dualisme Penelitian Hukum Normatif dan Empiris,
Yogyakarta : Pustaka Pelajar.
Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang
Berbasis Teknologi Informasi.
Raden Ani E. Wahyuni (2019). Implementation of Legal Protection by The Government in Order to
Empowerment of Micro Small Medium Enterprise to Realize the Justice Economy (Research
Study : The Office of Cooperative and Micro Small and Medium Enterprise Province of
Central Java). Diponegoro Law Review, Volume 04 Nomor 01.
Rizki M, 2019, Berbagai Bentuk Pelanggaran Tekfin ini dapat dijerat secara pidana.
https://hukumonline.com/berita/baca/lt5c6cacf0c858c/pasal-pasal-pidana-yang-bisa-jeratperusahaan-fintech-ilegal/2019.
R. Subekti (1987) .Hukum Perjanjian,.Jakarta : PT. Intermasa.
Salim. H.S ( 2005) .Hukum Kontrak. Bandung : PT. Citra Aditya Bakti.
Sony Maulana Sikumbang, Fitriani Ahlan Sjarif dan M. Yahdi Salampessy (2015). Modul 1 Pengantar
Ilmu Pengetahuan Perundangan-undangan, hlm. 8
http://repository.ut.ac.id/4111/1/HKUM4403-M1.pdf.
Tim Jurnalistik Legalscope, Perkembangan Fintech di Indonesia,
http://www.legalscope.id/perkembangan-fintech-di-indonesia/, diakses pada tanggal 24 Juli
2020.
https://kliklegal.com/peran-fintech-di-masa-pandemi-covid-19/
Published
2020-12-04
How to Cite
SURAHMI, Mila; JUNAIDI, Junaidi; RAFIE, Patih Ahmad. LEGAL PROTECTION FOR VICTIMS IN AGREEMENT ON ONLINE LOAN SHARKS PRACTICE IN INDONESIA. International Proceeding of Law and Economic, [S.l.], p. 1-7, dec. 2020. Available at: <https://jurnal.pancabudi.ac.id/index.php/iple/article/view/1072>. Date accessed: 29 mar. 2024.