Satria, Wido (2024) Perlindungan Hukum Dalam Perjanjian Pinjam Meminjam Uang Secara Online Pada Aplikasi Easycash. Other thesis, Universitas Islam Riau.

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Abstract

These electronic contracts generally involve electronic communications, these contracts fulfill the contract legal requirements of Article 1320 of the Civil Code and Government Regulation no. 82 of 2012, Article 47 Paragraph 2 Government Regulation no. 82 of 2012. Since the contract was signed, especially via the internet, the parties did not meet directly or face to face. As a result, many legal issues arise related to the validity of electronic contracts, especially the consideration capacity and legal basis at the time of the contract, which are difficult to assess. The problem formulation in this research is: What is the legal protection for the parties in an online money lending and borrowing agreement on the EasyCash application and what are the obstacles to legal protection for the parties in an online money lending and borrowing agreement on the EasyCash application. The research method that the author uses in this research is the sociological legal research method. Analytical descriptive data, whether presented in writing or orally and based on actual behavior, is a product of qualitative research, which is a method for assessing research findings. Based on the results of the research and discussion that the author found, Easycash has legal protection, however, as is known, there is nothing that can guarantee that Easycash consumer data is safe and will not be spread one day. Apart from that, the Financial Services Authority is not responsible for any violations or non-compliance by the User either due to the User's deliberate or negligent actions with the provisions of laws and regulations or agreements or engagements between Easycash and the Funder or Fund Recipient. Legal protection for creditors in (Fintech) Based Online Loan agreements is regulated in POJK Number 77 of 2016. And the obstacles in Easycash's legal protection are the existence of parties who contact prospective customers every day, which results in customer comfort being disturbed so that customers assume the data Customer cellphone numbers are scattered and are slightly more vulnerable to fraud. One of the biggest risks of online loans is the rise in cases of fraud. Where there are parties acting in the name of Easycash to deceive Easycash customers.

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