Perlindungan Hukum Bagi Debitur Terhadap Layanan Pinjaman Online Berbasis Financial Technology (Fintech) Di Kota Pekanbaru

Albar, Try Saputra (2021) Perlindungan Hukum Bagi Debitur Terhadap Layanan Pinjaman Online Berbasis Financial Technology (Fintech) Di Kota Pekanbaru. Masters thesis, Universitas Islam Riau.

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Abstract

The increase in the number of online loans in the Pekanbaru city community has caused various phenomena including the emergence of various problematic illegal online loan applications, hacking of personal data by violating consumers' personal access rights, and the number of disturbing terrors carried out by money collectors to borrowers in an unnatural way. These various problems still make some people still make online loans in various applications available on cellphones. Based on the above background, the problems that will be answered in this paper are Legal Protection for Debtors Against Online Loan Services in Pekanbaru City and Legal Efforts and Resolutions that can be taken by Debtors If They Have Problems with Financial Technology-Based Money Loan Services in Pekanbaru City. This type of research is observational research by means of surveys, namely research that takes data directly from the population/respondents by conducting interviews as a data collection tool, then processing the data collected so that conclusions are obtained using the deductive method. Meanwhile, if viewed from its nature, this research is descriptive, namely research that explains in clear sentences about the object under study. Legal protection for debtors against online loan services based on financial technology (fintech) in Pekanbaru City is that there is no legal protection provided by the OJK to debtors, in fact there are still many consumers who are disadvantaged by the attitude of creditors in terms of collection and also data abuse committed by debtors. creditors to debtors (consumers) when collecting creditors made by creditors against consumers and legal efforts and settlements that can be taken by Debtors if they experience problems with financial technology-based money loan services in Pekanbaru City are if the organizer is a licensed provider, the debtor can report to APFI which is an official association that has been appointed by the OJK, but if the debtor is a victim of an illegal or unlicensed operator, in addition to reporting to the OJK so that the debtor can be blocked, he must also report it to the police. related to the crime experienced and ask for help from legal institutions.

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