Syaffarman, Wagil (2024) Tinjauan Hukum Terhadap Perjanjian Pinjam Meminjam Uang Secara Online Pada Aplikasi Akulaku Berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 77/pojk.01/2016 Tentang Layanan Pinjam Meminjam Uang Secara Elektronik. Other thesis, Universitas Islam Riau.

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Abstract

The more widespread growth of globalization and technological developments, the more developed the fintech services for borrowing and borrowing money based on information technology by using applications using Playstore on cellphones very widely. One of these online loan applications is Akulaku, which lends and borrows money, credits and purchases of goods on credit. This online loan transaction makes it easy to apply for a loan, making many people tempted to apply for a loan, where only with a photo ID and filling in personal data, everyone can easily get funds quickly but make the customer or someone not pay attention to the risks that occur. As for this research, there are main issues that will be discussed, namely: What is the legal certainty of online money lending and borrowing agreements in the Akulaku application Based on the Financial Services Authority Regulation Number 77/POJK.01/2016 Concerning Electronic Borrowing and Borrowing Services and how is the legal protection of loan agreements borrow money online on the Akulaku application based on the Financial Services Authority Regulation Number 77/POJK.01/2016 concerning Electronic Money Borrowing and Borrowing Services. This research belongs to the type of empirical survey research in which research with field data is the main data source such as the results of interviews and observations, this empirical research is used to analyze law which is seen as community behavior and then a result is obtained. The results of the research that the author obtained are: Legal certainty by the money lending and borrowing service on the Akulaku Application based on legal review by Financial Services Regulation Number 77/01.2016 still does not fulfill the clear responsibilities in the regulations that have been implemented. Akulaku's loan application is not in accordance with the agreement, for example, a loan made by a customer of Rp. 3,000,000 then when the customer wants to pay it ends up being Rp. 3,200,000 and legal protection efforts for the review of Akulaku loan applications have been regulated in POJK Number 77/POJK.01/2016 by paying attention to several provisions that have been implemented such as existing regulations, namely: transparency, fair treatment, reliability, confidentiality and data security, Dispute resolution, use is simple, fast and affordable.

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