Laily Sundari, Nur (2023) Perlindungan Hukum Terhadap Pembiayaan Pengguna Shopee Paylater Berdasarkan Undang-undang Nomor 19 Tahun 2016 Tentang Perubahan Atas Undang-undang Nomor 11 Tahun 2008 Tentang Informasi Dan Transaksi Elektronik. Other thesis, universitas islam riau.

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Abstract

Shopee Paylater is provided by PT. Commerce finance and other parties who work together to provide loans in terms of buying and selling through online applications. The implementation of online transactions (e-commerce), including online buying and selling, has been regulated in POJK Number 13 / POJK.02 / 2018 concerning Digital Financial Innovation in the Financial Services Sector. For this reason, matters in online buying and selling business activities must pay attention to the rights and obligations of the parties involved, because parties who do not fulfill their obligations will face legal consequences, including using the Shopee Paylater feature when buying and selling online is carried out on the application. Shopee. Therefore there is a need for research to look at legal protection for Shopee Paylater user financing. The problems in this research include how is the legal protection for Shopee Paylater user financing based on Law Number 19 of 2016 concerning Amendments to Law Number 11 of 2008 concerning Information and Electronic Transactions and what are the legal consequences of the Shopee Paylater agreement for feature users Shopee Paylater who are experiencing difficult conditions are unable to pay bills on the Shopee Paylatter application.. This research belongs to the category of normative-empirical legal research. It is a type of research that uses secondary data (from the library) and is supported by primary data, such as an interview with someone who needs information. And for the nature of this research is descriptive can also be described as research whose data collection process allows the researcher to produce descriptions of the social phenomena studied. This research shows that legal protection for the implementation of Shopee Paylater financing ignores and does not protect consumers' personal data, so these business actors should also violate human rights, namely the right to comfort, security and safety in consuming goods and/or services. And legal consequences for buyers who are late paying Shopee Paylater can be subject to delays in paying Shopee Paylater, namely interest of 2.95% of the total agreed Shopee Paylater loans, a fine of 5% of the total Shopee Paylater loan bill and compensation costs if due to the default, the shopee party suffered a loss. However, because it has not been specifically regulated regarding risk, default, and force majeure in contracts, unwanted cases are often found. Buying and selling online, Shopee Paylater, Legal Protection

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