Legal Analysis of Unguaranteed Loans and Agreements (Case Study: Illegal Online Loans)

Zilda Khilmatus Shokhikhah, Nurhamid Nurhamid, Desi Arianing Arrum, Adhyaqza Utama

Abstract


The existence of technology has streamlined human life today, even in carrying out transactions can also be done easily. Such as borrowing funds quickly and easily through online loan services. However, the unsecured credit business carried out online actually causes many problems, both through mechanisms such as the absence of guarantees and letters of agreement to billing by terrorizing customers. This study uses a descriptive method with a qualitative approach which aims to find out how the law applies to unsecured loans. The result is that in Articles 1131 and 1132 of the Criminal Code, unsecured credit can be made when both people know each other and it is poured into an agreement to binding each other. Meanwhile, credit without a letter of agreement will cause problems in the billing mechanism that will not be following applicable legal procedures regulated in the Act and POJK.

 


Keywords


online loans; criminal code; credit, law

Full Text:

PDF

References


Anugrah, D., Tendiyanto, T., & Akhmaddhian, S. (2021). Sosialisasi Bahaya Produk Pinjaman Online Ilegal bagi Masyarakat. Empowerment: Jurnal Pengabdian Masyarakat, 4(03).

Bisakah Orang Yang Tidak Membayar utang Dipidana? - klinik ... (n.d.). Retrieved December 16, 2021, from https://www.hukumonline.com/klinik/detail/ulasan/lt57da49a2bfb95/bisakah-orang-yang-tidak-membayar-utang-dipidana

Cowandy, C. N. (2021). Kedudukan Hukum Perjanjian Utang-Piutang di Balik Perjanjian Pengikatan Jual Beli. Jurnal Education and Development, 9(4), 1-4.

Disemadi, H. S., & Regent, R. (2021). Urgensi Suatu Regulasi yang Komprehensif Tentang Fintech Berbasis Pinjaman Online Sebagai Upaya Perlindungan Konsumen di Indonesia. Jurnal Komunikasi Hukum (JKH), 7(2), 605-618.

Fadhillah, A. et al. (2021). Analysis of Information Quality, Trust and Satisfaction on Customer Participation (Case Study on Customer Online Shop Shopee in Rantauprapat). Budapest International Research and Critics Institute-Journal (BIRCI-Journal). P. 3039-3051.

Kusumadewi, R.N.., and Karyono, O. (2019). Impact of Service Quality and Service Innovations on Competitive Advantage in Retailing. Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 2 (2): 366-374.

Olifiansyah, M. (2021). Perlindungan Hukum Pencurian Data Pribadi dan Bahaya Penggunaan Aplikasi Pinjaman Online. Jurnal Hukum De Rechtsstaat, 7(2), 199-205.

Pangemanan, F. W. S. (2019). Implementasi Pasal 1238 Kuh Perdata terhadap Penentuan Debitur yang Cidera Janji Dalam Perjanjian Kredit. Lex Et Societatis, 7(4).

Penilaian-Kualitas-aset-bank-umum-untuk-mendorong-pertumbuhan-sektor-perumahan-dan-Peningkatan-Devisa. Regulasi. (n.d.). Retrieved December 16, 2021, from http://www.ojk.go.id/id/regulasi/Pages/Penilaian-Kualitas-Aset-Bank-Umum-untuk-Mendorong-Pertumbuhan-Sektor-Perumahan-dan-Peningkatan-Devisa.aspx

Siswandi, L. (2019). Kreditur Dan Debitur Dengan Hak Perlindungan Hukum Dalam Perjanjian Kredit Tanpa Agunan. DiH: Jurnal Ilmu Hukum, 15(1), 87-94.

Sugiyanto, S., & Sumantri, I. I. (2019). Peran Audit Internal Dan Sistem Pengendalian Internal Atas Pengajuan Kredit Tanpa Agunan Pada Perusahaan Perbankkan Di Indonesia. Jurnal Akuntansi, 13(2), 196-224.

Tim JDIH Biro Hukum Kementerian Komunikasi dan Informatika RI. (n.d.). Peraturan menteri Komunikasi Dan Informatika nomor 20 Tahun 2016 Tanggal 1 Desember 2016. JDIH KEMKOMINFO. Retrieved December 16, 2021, from https://adminjdih.kominfo.go.id/produk_hukum/view/id/553/t/peraturan+menteri+komunikasi+dan+informatika+nomor+20+tahun+2016+tanggal+1+desember+2016

Tumanggor, B., and Tarigan, V. (2020). The Factors Affecting Consumers Pay with Go-Pay on Go-Jek. Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 3 (3): 1704-1717.

Widyantari, P., & Sulistiyono, A. Pelaksanaan Harmonisasi Rancangan Undang-Undang Perlindungan Data Pribadi (RUU PDP). Jurnal Privat Law, 8(1), 117-123.

Yonani, Y. (2019). Pembuktian Unsur Kecakapan dan Kewenangan Para Pihak dalam Transaksi Bisnis E-Commerce. Jurnal Hukum Tri Pantang, 5(1), 9-20.

Yusandy, T. (2019). Kedudukan dan Kekuatan Pembuktian Alat Bukti Elektronik dalam Hukum Acara Perdata Indonesia. Jurnal Serambi Akademica, 7(5), 645-656.




DOI: https://doi.org/10.33258/birci.v4i4.3460

Article Metrics

Abstract view : 80 times
PDF - 40 times

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

 

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.