Rahman, Willy (2025) Perlindungan Hukum Terhadap Debitur yang Melakukan Wanprestasi Dalam Pinjaman Online Berdasarkan Peraturan Otoritas Jasa Keuangan No.77/Pojk.01/2016 Tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi. Other thesis, Universitas Islam Riau.

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Abstract

Legal protection is the protection of human rights that are harmed by others and the protection is given to the community so that they can enjoy all the rights granted by law or in other words legal protection as an illustration of the function of law, namely the concept where the law can provide justice, order, certainty, expediency and peace. On the online loan “Ada Kami " there are several cases that do not process according to the procedure, even the debt collector is able to intimidate such as dropping consumer self-esteem by way of diatribe, rude cuss and even spread personal data. This is because in the online loan application, the debtor is asked to provide access to the camera, gallery, and contact phone number stored on the debtor's cellphone. This study aims to determine how the legal arrangement of online loan agreements based on positive law in indonesia and how the legal protection of consumers in online loan agreements through the application Ada Kami. The formulation of the problem in this study includes how is the process and legal protection for debtors in taking out online loans from Ada Kami, and What are solution and sibilities of creditors in online loans form Ada Kami. The research method used in this study is a type of empirical research that is research conducted directly to the research site by using data collection tools in the form of interviews and observations of respondents and research objects. The method of drawing conclusions that the author uses is the inductive method, which is the process of drawing conclusions from things that are special to things that are general. From the results of research conducted by the author is the first, business actors or organizers of Fintech P2PL must pay attention to and implement the provisions of the regulations OJK Nomor 77/POJK.07/2016 About Information Technology-Based Money Lending Services. Second, Indonesia at this time the arrangements that specifically regulate online loans are only listed in the POJK. This causes many problems or risks that are brought by online loans and are not accommodated, in the sense that they do not have clear regulations.

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