Consumer Protection in Illegal Online Lending Practices: A Private Law Analysis and Enforcement Efforts
DOI:
https://doi.org/10.31004/joecy.v5i2.2848Keywords:
Consumer Protection, Private Law, Illegal Online Lending, Legal Remedies, Law EnforcementAbstract
This research critically examines consumer protection within the context of illegal online lending practices in Indonesia, analyzed through the lens of private law. The proliferation of unauthorized online lending platforms has exposed individuals to severe financial and psychological harm due to exorbitant interest rates, hidden fees, and coercive collection methods, highlighting a pressing need for robust legal safeguards. Employing a normative legal research methodology, this study primarily analyzes relevant statutes, legal doctrines, and case law pertaining to contract law, consumer protection, and torts. It identifies the inherent violations of private law principles by illegal lenders and scrutinizes the effectiveness of existing legal remedies and enforcement efforts by regulatory bodies and law enforcement. The findings reveal persistent challenges in applying current legal frameworks to the complex nature of illegal online lending, emphasizing the need for clearer legal interpretations, enhanced inter-agency coordination, and strengthened mechanisms for data protection and digital evidence. This study aims to contribute to legal scholarship and inform policy recommendations for more effective consumer protection against illicit online lending activities.
References
Arifin, Z., Lestari, R. I., Saifudin, S., & Putrisetia, D. A. (2023). Peran Otoritas Jasa Keuangan Dalam Pengawasan Jasa Layanan Keuangan Berbasis Financial Technology Peer To Peer Lending. Jurnal Usm Law Review, 6(2), 712–723. Https://Doi.Org/10.26623/Julr.V6i2.7170
David Tan. (2021). Metode Penelitian Hukum: Mengupas Dan Mengulas Metodologi Dalam Menyelenggarakan Penelitian Hukum. NUSANTARA: Jurnal Ilmu Pengetahuan Sosial, 8(5), 1332–1336. Https://Core.Ac.Uk/Download/Pdf/490668614.Pdf
Dzaky, A. R. A., Kamal, M., & Badaru, B. (2022). Efektivitas Penegakan Hukum Terhadap Korban Melalui Aplikasi Pinjaman Pinjaman Online Ilegal Yang Terjadi Di Masyarakat. Journal Of Lex Theory (JLT), 1(31), 82–98. Http://Download.Garuda.Kemdikbud.Go.Id/Article.Php?Article=2906157&Val=25506&Title=Peran Kepolisian Dalam Penegakan Hukum Terhadap Aksi Unjuk Rasa Mahasiswa Yang Anarkis Di Kota Makassar
Rasji, & Budiman, M. A. (2023). Tinjauan Hukum Terhadap Pengawasan Dan Penyidikan Oleh Otoritas Jasa Keuangan. Jurnal Kewarganegaraan, 7(2), 1766–1771. Https://Journal.Upy.Ac.Id/Index.Php/Pkn/Article/View/5423/3224
Sinaga, O. C. S. H. (2023). Peran Otoritas Jasa Keuangan Dalam Memblokir Uang Hasil Perjudian Online Di Indonesia. Visi Sosial Humaniora (VSH), 4(02), 18–28. Https://Ejournal.Uhn.Ac.Id/Index.Php/Humaniora/
Sugangga, R., & Sentoso, E. H. (2020). Perlindungan Hukum Terhadap Pengguna Pinjaman Online (Pinjol) Ilegal. PAJOUL (Pakuan Justice Journal Of Law), 1(1), 47–61.
Wahyuddin Nur, A., Muqita Dewi Mentari Rijal, B., & Wahyuni Mustafa, D. (2024). Tanggung Jawab Pelaksana Sistem Elektronik Dalam Melindungi Informasi Pemakai Media Sosial Menurut Undang-Undang Nomor 19 Tahun 2016 Mengenai Informasi Dan Transaksi Elektronik. LEGAL: Journal Of Law, 3(1), 18.
Wahyuni, R. A. E., & Turisno, B. E. (2019). Praktik Finansial Teknologi Ilegal Dalam Bentuk Pinjaman Online Ditinjau Dari Etika Bisnis. Jurnal Pembangunan Hukum Indonesia, 1(3), 379–391. Https://Doi.Org/10.14710/Jphi.V1i3.379-391
Wijoyo, H., Cahyono, Y., Ariyanto, A., & Wongso, F. (2020). Digital Economy Dan Pemasaran Era New Normal. In Insan Cendekia Mandiri.
Yulisman, & Silm Oktapani. (2024). Analisis Ilmu Perundang-Undangan : Konsep, Prinsip, Dan Implementasi Dalam Sistem Hukum Indonesia. Jurnal Gagasan Hukum, 6(02), 154–167. Https://Doi.Org/10.31849/Jgh.V6i02.24489
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Ratih Agustin Wulandari, Toni Nieta, Ahmad Taufik
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
