ANALISIS YURIDIS PERLINDUNGAN HUKUM TERHADAP DEBITUR PINJAMAN ONLINE DI KOTA BATAM

Abstrak

This research reveals the goals to be achieved in the research to understand the scope of the research, what will be answered in the research. This study aims to find out the forms of legal protection for online loan debtors, to find out the implementation, constraints and solutions in solving online loan service problems. This research is a type of empirical research that uses primary and secondary data sources and analyzes data with qualitative analysis to then form sentence descriptions that can be easily understood by readers. Based on this research, the legal rules regarding the protection of online loan debtors are based on Law Number 21 of 2011 concerning Financial Services Autonomy, Law Number 01 of 2024 concerning Information and Electronic Transactions, and Financial Services Authority Regulation Number77/POJK.1/2016 concerning Information Technology-Based Money Lending Services. The results of this study reveal that many debtors are victims of illegal or unlicensed online loan services, in this protection effort the Riau Islands Police and OJK are trying to provide understanding to debtors who do not understand the impact of using online loans and open consumer information and complaint services.