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1
Sidiki, Indah Aprilia. "Legal Protection Against Consumers In Illegal Online Loans." Estudiante Law Journal 2, no. 2 (2020): 327–43. http://dx.doi.org/10.33756/eslaj.v2i2.14360.
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INDAH APRILIA SIDIKI (NIM :1011418002 ) 2021. “LEGAL PROTECTION AGAINST CONSUMERS IN ILLEGAL ONLINE LOANS”. Supervised by each Supervisor I : Dr. Fence M. Wantu, SH., MH., and Supervisor II : Dolot Alhasni Bakung, SH., MH. Department of Law, Faculty of Law, State University of Gorontalo.This study discusses legal protection for consumers in illegal online loans. The purpose of this research is to find out legal protection for consumers in illegal online loans, and to find out the legal consequences of default in illegal online loans. The method used is normative research using library dataThe results of this study are that online loan service providers have been regulated in Financial Services Authority Regulation Number 77 /POJK.01/2016 concerning Information Technology-Based Borrowing-Lending Services, but not all online loan companies are registered with financial services authorities. Then the legal consequences of default in online loans are not clearly regulated because existing regulations only regulate defaults carried out by legal online loans, while illegal ones are only regulated for reprimands and up to blocking if proven guilty, related to consumers being transferred to the Criminal Code and the Protection Act. consumer.Keywords: Protection, loans, illegal
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Wirawan, Logan Gunadi. "Strain sebagai pendorong mahasiswa menggunakan pinjol ilegal: Analisis viktimisasi mahasiswa korban pinjol ilegal." Journal of Environment and Geography Education 1, no. 2 (2024): 114–45. http://dx.doi.org/10.61511/jegeo.v1i2.2024.1164.
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Background: The cases range from socialization that requires students to participate in using online loans, to murders with the motive of paying for online loans. Illegal online loans cases continue to push the urgency of research that analyzes why many students become users of illegal online loans. Findings: Although the number of students using illegal online loans continues to increase, the victimization experience of students using illegal online loans is still very little researched. Student status places someone as an academic, someone who is highly educated and has critical and analytical thinking skills. Methods: This study uses a critical criminology method with the use of a qualitative approach to produce strain analysis. This study uses data mining with a qualitative approach with a structured interview methodology. This study also found that the impact of illegal online loans on students is very disruptive to their lives on a large scale and in the long term. Conclusion: Students experience losses from the burden of illegal online loan costs which are very large because financial exploitation through interest and hidden fees is very large due to their limited financial capabilities. The magnitude of financial losses from illegal online loans greatly disrupts students' academic lives. Many students have to drop out of college due to limited funds or because they have to focus on finding income to cover the financial losses from illegal online loan exploitation. The terror, intimidation, threats, and violence experienced by students disrupt their mental and physical health. Students have to live in conditions without security for a long period of time when they become users of illegal online loans. Many students who are victims of illegal online loans suffer from mental disorders that interfere with their ability to live their lives. Long-term student recovery requires psychiatric care that takes a lot of effort, time, and money.
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Wijaya, Leo Yoga, Nurmalia Ihsana, and Punta Yoga. "Analysis of Online Loan Crime in Cyber Law in Indonesia (Case Study of Decision Number 2078/PID.SUS/2021/PN LBP)." HUMANIORUM 1, no. 03 (2022): 86–94. http://dx.doi.org/10.37010/hmr.v1i03.19.
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Technological advances in the economic sector, one of which is the existence of financial technology in the form of digital peer to peer lending platforms or what is commonly referred to as online loans. The convenience offered by online loans is very tempting to the public so that many people use online loan services. These online loans are also regulated in an institution called the Financial Services Authority or OJK. Online loans that are registered or have operational permits from the OJK are Legal Online Loans, while Online Loans that are not registered or do not have an operational permit from the OJK are called Illegal Online Loans. In collecting debts, illegal online loans have committed crimes. The author focuses on illegal collection actions related to online loans from illegal financial technology as stated in Decree Number 2078/Pid.Sus/2021/PN Lbp. When collecting an online loan from the victim, the defendant sent electronic information containing threats of violence or intimidation addressed personally. Of course this action is very troubling society. The problem raised by the author in this paper is how the act of collection by Illegal Online Loans can be called a Cyber Crime and how to handle and provide legal protection for victims of Cyber Crime in the Study of Cyber Law in Indonesia. The writing method used is normative research with a statutory approach.
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Putri, Poppy Amanda, and Kasmanto Rinaldi. "The problems of Illegal Online Loans based on the Victim's Perspective: A Case Study." International Journal of Advances in Social and Economics 4, no. 3 (2023): 102–6. http://dx.doi.org/10.33122/ijase.v4i3.215.
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The problems of illegal online loan cases is detrimental to society and the government. Illegal online loans have easy procedures to attract and interest the public. In collecting illegal online loans, they commit terror, spread personal data, spread slander, and hoaxes via chat and telephone. There is no transparency from illegal online loan companies to victims regarding interest, making victims pay larger debts than the amount borrowed. This study aims to examine the role of the victim in the occurrence of crimes committed by these illegal online loans. This study uses a qualitative research method with Criminal Function Theory by Stephen Schafer as an analytical tool that explains the role of the victim. Collecting data using observation techniques, interviews, and documentation. Based on the research results, it was found that when borrowing, the victim initially did not know that the application was illegal. The behavior of victims who are late in paying debts stimulates perpetrators to commit crimes against victims. Victims also borrow back at illegal online loans even though they know the risks.
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Wulan, Mutiasari Nur, Nindytia Puspitasari Dalimunthe, Tedi Rusman, and Nurdin Nurdin. "Edukasi Financial Ilegal Dalam Bentuk Pinjaman Online dan Investasi Online Berdasarkan Penilaian Otoritas Jasa Keuangan (OJK) Pada Koperasi Kelompok Wanita Tani “Melati Jaya” Kelurahan Sukamenanti Baaru Kecamatan Kedaton Kota Bandar Lampung." BEGAWI : Jurnal Pengabdian Kepada Masyarakat 1, no. 1 (2023): 55–58. http://dx.doi.org/10.23960/begawi.v1i1.12.
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Currently, Fintech does not only enter Banking Financial Institutions, but also Non-Bank Financial Institutions. This can be seen in Financial Technology products circulating on social media, namely online loans and online investments. This condition actually provides convenience to the community, but there is also a negative impact, namely people who are trapped in online loans and online investments. There are many findings of online loan products and illegal online investments, this creates unrest in the community. Therefore, there is a need for education regarding illegal online loans and illegal online investments in collaboration with the Financial Services Authority (OJK) so that the public, especially mothers, are more careful in choosing to use online loan services and online investment. The method we use in this PkM activity is to provide education to participants regarding illegal online loan products and illegal online investments based on the assessment of the Financial Services Authority (OJK). The purpose of this PkM activity is to provide education regarding illegal online loan products and illegal online investments based on the assessment of the Financial Services Authority (OJK) so that they are more careful in choosing online loan services and online investments. The object of this PkM activity is the Women Farmers Group "Melati Jaya" Sukamenanti Baru Village, Kedaton District, Bandar Lampung City.
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Nicholas, Jason. "KEABSAHAN PERJANJIAN DAN KEDUDUKAN PINJAMAN ONLINE ILLEGAL SEBAGAI KREDITUR DALAM KEPAILITAN." Juris 9, no. 1 (2025): 57–66. https://doi.org/10.56301/juris.v9i1.1568.
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Online loans in Indonesia are becoming a growing business. Every day there are more and more online loans, some of which are even illegal.This scientific article was written to examine the bankruptcy that can be occurred in online loan debtors. The purpose of this article is to provide answers to what can be done when an illegal online loan debtor goes bankrupt. because online loans are a type of debt, they can be a reason for bankruptcy. Therefore, this research is expected to help bankrupt debtors if they are caught in illegal loans. The research was conducted normatively using books, journal articles, and articles in online media as research sources. Using the sources, researcher make facts based on the writings. The study concluded that illegal online loan agreements are valid in the eyes of the law until the agreement is terminated by a judge.
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Subagiyo, Dwi Tatak, Lorensia Resda Gestora, and Sulistiyo Sulistiyo. "CHARACTERISTIC OF ILLEGAL ONLINE LOANS IN INDONESIA." Indonesia Private Law Review 3, no. 1 (2022): 69–84. http://dx.doi.org/10.25041/iplr.v3i1.2594.
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Financial technology is a business that provides financial services by utilizing cutting-edge software and technology. Online loan providers are financial service providers that operate online using information technology. They are well-known for having a simple process and are particularly useful in the current situation, where there is an urgent need, but no funds are available. In less than two years, dozens of financial technology companies have started lending online in Indonesia, far exceeding many people's expectations. However, when applying for credit, many consumers do not consider or care about the legality of online lending institutions. Based on the above description, this research aims to determine the main characteristics of illegal online loans in Indonesia, as well as the legal responsibility of illegal online loan providers to borrowers. The approach used in normative research refers to legal norms, which are laws, regulations, court decisions, and societal norms. The results of the studies showed that characteristics of illegal online loans in Indonesia are often associated with the word illegal because the online loan often has not been or is not authorized by the OJK; this happens because there are requirements that the online loan provider cannot meet. This online loan uses peer-to-peer landings and financial technology (Fintech), authorized in Regulation 77/POJK.01/2016 concerning Information Technology-Based Lending and Borrowing Services governs fintech. Illegal online loan providers can be subject to several sanctions, including; administrative sanctions, criminal sanctions, and civil sanctions.
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Oktaviany, Rika. "Legal Protection Against Victims of Illegal Online Loan Users." Journal of Creativity Student 6, no. 1 (2021): 43–64. http://dx.doi.org/10.15294/jcs.v6i1.36271.
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Online loans are currently increasingly widely circulated in the community. With all the conveniences offered, this has become one of the drivers of increasing online loan users. However, there are still many illegal online loans that are widespread and increasingly difficult to control. The existence of illegal online loans causes huge losses for its users. The existence of online loans cannot be controlled and can cause problems with great impact for the victims. The importance of education and introduction to the types of online loans that are still under the auspices of the Financial Services Authority (OJK) to minimize the increase in the number of victims which has been increasing in recent times.
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Kusuma, Anak Agung Gede Candra, Ni Luh Made Mahendrawati, and Desak Gde Dwi Arini. "Perlindungan Hukum Bagi Konsumen dalam Praktek Bisnis Pinjaman Online Ilegal." Jurnal Konstruksi Hukum 3, no. 2 (2022): 426–31. http://dx.doi.org/10.55637/jkh.3.2.4850.426-431.
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Online loans that are developing in today's society will certainly be very helpful, the problem is when people are involved in illegal online loan transactions which often use unjustified methods of collecting. The purpose of this research is to analyze the regulation of online loan transactions in Indonesia and to discuss forms of legal protection for consumers in illegal online loan transactions. The research method used is a normative research type by examining library materials as primary data and secondary data from books and legal journals. The data collection technique of this research is to record and document. And the data analysis technique is by reviewing books, literature and electronic media related to this research. The results of this research indicate that currently legal protection for people involved in illegal online loan transactions is still lacking, because people find it difficult to distinguish between legal online loan financing institutions and which online loan financing institutions are illegal. In this case, an active role from the OJK is needed to oversee the growth of illegal online loans in the community as regulated in the Financial Services Authority Regulation No. 77 of 2016 concerning the implementation of online-based loan transactions, besides that the protection of people involved in online loan transactions is regulated in Law no. 8 of 2019 concerning consumer protection to prevent arbitrariness by online loans to the public.
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Martin, Afrizal martin, Widianto Widianto, Mardiyanto Mardiyanto, Joni Joni, and Novita Andriyani. "Socialization to Prevent Gambling and Online Loans in the South Yogyakarta Pekon Community." Jurnal Pengabdian Masyarakat Tapis Berseri (JPMTB) 4, no. 1 (2025): 23–27. https://doi.org/10.36448/jpmtb.v4i1.127.
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The socialization activity with the theme "Preventing Gambling and Online Loans in the Pekon Yogyakarta Selatan Community" aims to increase public awareness of the dangers of gambling and illegal online loans that are rampant. Gambling and illegal online loans not only have a detrimental economic impact, but also have the potential to cause serious social problems, such as family conflict, involvement in illegal activities, and psychological pressure on the perpetrators and their families. This activity was carried out through direct counseling involving community leaders, village officials, and participants from various community groups. The material presented included the dangers of gambling, characteristics of illegal online loans, and preventive measures that can be taken by the community. The results of the activity showed an increase in public understanding of the risks and negative impacts of both problems, as well as greater motivation to stay away from these detrimental activities. Participants were also given practical information on how to recognize illegal online loans and strategies for reporting gambling activities to the authorities. This activity is expected to create collective awareness in the Pekon Yogyakarta Selatan community to create a safer environment, free from gambling practices and illegal online loan traps.
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Wahyuni, Raden Ani Eko. "Strategy Of Illegal Technology Financial Management In Form Of Online Loans." Jurnal Hukum Prasada 7, no. 1 (2020): 27–33. http://dx.doi.org/10.22225/jhp.7.1.1324.27-33.
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The existence of technological development has an impact on aspects of people's economic life. The emergence of financial technology in the form of online loans makes it easy to get the desired funds in a short and easy process. This study aims to discuss the practice of illegal online lending from the perspective of business ethics. The research method used is Normative Juridical with descriptive analytical research specifications. In the practice of Financial Technology (fintech), namely online loans, several problems have been discovered, such as the emergence of illegal online loans, recorded from January 2018 to April 2019, the Financial Services Authority has blocked 947 types of fintech entities in the form of loans between unlicensed online parties. The existence of illegal financial technology can lead to criminal acts such as fraud, money laundering or misuse of consumer's data. This condition was triggered by many people who did not yet know about the technology financial business. Even for legal online loan services that already have risks, the illegal ones will certainly be more risky, and the last many reports from the public as victims of unethical debt collection by online loan service companies. This happens because of the lack of public knowledge about the legality of online loan service companies
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Nurdania, Esa, and Suherman Suherman. "The Protection of Consumer Rights against Illegal Online Loans." Jurnal Daulat Hukum 7, no. 2 (2024): 134. https://doi.org/10.30659/jdh.v7i2.38602.
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This research is intended to examine the form of protection provided by the government for rights violations committed by illegal online loan companies. This research also intends to provide input for the government regarding its role in dealing with the problem of illegal online loans. This research uses normative juridical research methods. The problem approach in this research uses a statutory approach. The results of this study indicate that POJK Number 77/POJK.01/2016 concerning Information Technology-Based Money Lending and Borrowing Services (LPMUBTI) and the Consumer Protection Law have not specifically regulated the legal rules related to illegal online loans. In addition, the government must immediately form a law that can provide a deterrent effect for illegal online loan companies.
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Askana Fikriana and Suhendra. "Illegal Financial Technology Practices in the Form of Online Loans Viewed from Business Ethics." JUSTICES: Journal of Law 2, no. 4 (2023): 228–35. http://dx.doi.org/10.58355/justices.v2i4.94.
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The development of information technology has made it easier for people to obtain loans online. However, some online loan service providers are indicated to carry out illegal financial practices by providing loans without official permission and applying double interest. This practice raises ethical issues because it harms and burdens society. This study aims to analyze illegal technology financial practices in the form of online loans based on business ethics. The research uses qualitative methods with a literature study approach. The results showed that illegal technology financial practices are contrary to business ethics. Business actors must uphold the values of fairness, honesty, responsibility, and integrity. Cooperation between communities, businesses, and governments is needed to prevent this illegal practice.
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Kurniawan, Ivan, and Muhammad Nur Faisal. "DEVELOPING THE IMPACT OF ILLEGAL ONLINE LOANS COMICS FOR YOUTH AUDIENCES." Proceeding of International Conference on Business, Economics, Social Sciences, and Humanities 7, no. 1 (2024): 750–58. http://dx.doi.org/10.34010/icobest.v7i.586.
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The sophisticated digital Era has made it easier for people to access a variety of financial services, including online loans. In the phenomenon of ease of borrowing money, online loan service providers are so rampant. Even many online loans categorized as illegal cause people to become victims because they are persuaded by the ease of the lending process compared to legal loans. The method used is a qualitative approach, aims to find the media that is considered optimal in accordance with the tastes and tendencies of adolescents. The result of the study is to create a comic media to provide awareness to adolescents about the impact of illegal online loans. It is hoped that the younger generation can make wiser decisions and avoid the risk of illegal online loans, ending the cycle of adverse financial problems. So it can help government programs and related institutions in overcoming this problem.
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Ikhsani, Yulia, Inggih Permana, Pebi Nur Salisah, Mustakim Mustakim, and Nesdi Evrilyan Rozanda. "Perbandingan Algoritma Support Vector Machine dan Naïve Bayes dalam Menganalisis Sentimen Pinjaman Online di Twitter." Building of Informatics, Technology and Science (BITS) 6, no. 3 (2024): 1413–26. https://doi.org/10.47065/bits.v6i3.6106.
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Unemployment is one of the poverty factors in society, the large economic needs make it difficult for people to meet their daily needs, thus triggering high demand for loans in society. With the advancement of technology, online loans are now available to help people meet their economic needs. However, over time, many irresponsible parties have taken advantage of this. Marked by the emergence of many illegal online loans, which have triggered negative impacts such as the spread of customer personal data, terror on social media, to debt collection using debt collectors. So that it raises a lot of sentiment in society regarding online loans. For this reason, it is necessary to conduct a sentiment analysis with the aim of public response to online loans, which can be positive, negative or neutral responses. There are two datasets used, namely legal online loans and illegal online loans. This study uses two algorithms, namely SVM and Naive Bayes, the two algorithms will be compared to find out which algorithm is better at analyzing online loan sentiment. In addition, in its use, the two algorithms will also use the SMOTE technique to stabilize the data. The results obtained on legal loan data classification using SVM are quite better than Naive Bayes, with an accuracy rate of 69% with sentiment that often appears is positive sentiment. For illegal loan data, classification using the Naive Bayes algorithm is better than SVM with an accuracy of 75% and sentiment that often appears is neutral sentiment. Based on these results, it can be concluded that in analyzing sentiment using legal loan data, the best algorithm is the SVM algorithm, and for illegal loan data, the best algorithm is the Naive Bayes algorithm.
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Hermawan, Risma Dewi, Aris Prio Agus Santoso, and Kresna Agung Yudhianto. "Upaya Polri Memberikan Perlindungan Hukum bagi Konsumen dalam Perjanjian Pinjaman Online Ilegal di Surakarta." Rechtenstudent 4, no. 1 (2023): 51–62. http://dx.doi.org/10.35719/rch.v4i1.220.
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Technology and information are currently experiencing developments in carrying out activities in all fields with the help of technology. One of them is that online-based lending has not only positive but negative impacts, namely online loan practice services that are not registered with the Financial Services Authority (OJK) or illegal online loans which are services that have caused many cases in society. Perpetrators of illegal online loans can be subject to article 32 paragraph 1 of the Electronic Information and Transaction law. However, even though there are legal regulations, cases of illegal online loans are still found in the field. The problem in this research is how is legal protection for consumers of illegal online loans and the obstacles faced in tackling illegal online loans. This type of research is empirical juridical where data is obtained from interviews and also from literature studies. Data collection techniques were carried out by interviews at the research location after obtaining the data and then the data were analyzed qualitatively. The results of this study are that legal protection is provided for consumers in a preventive and repressive manner. Preventive legal protection is contained in Law no. 8 of 1999 concerning consumer protection, while repressive legal protection is contained in the Financial Services Authority Regulation Number 77/POJK.01/2016 of 2016 concerning Information Technology-Based Money Lending Services.
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Bashir, Abdul, Azwardi Azwardi, Bambang Bemby Soebyakto, et al. "Raising Awareness and Knowledge of Rural Communities against Lottery Fraud and Illegal Online Loans through Telephone and Short Message Services." Sricommerce: Journal of Sriwijaya Community Services 3, no. 2 (2022): 89–96. http://dx.doi.org/10.29259/jscs.v3i2.83.
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The Covid-19 pandemic has had a major socio-economic impact on the community, especially the decline in income and job losses. The urgency of economic needs makes people make online loans that are illegal and have very high interest rates. The lack of public knowledge about licensed and illegal online loans has resulted in debtors being trapped in large debts and spreading personal data. Considering that rural communities who have low levels of education and knowledge are victims of prize draw scams which are disseminated via short message service (SMS) and telephone calls. Therefore, there is a need for socialization about illegal online loans and prize draw fraud to the community, especially village communities. The purpose of this service activity is to increase public awareness and knowledge about the legality of online loan services and prize draw fraud. After this service was carried out, the community in Kerinjing Village had knowledge about the legality of online loans, prevention and overcoming of online loans as well as vigilance against prize draw fraud via SMS and telephone. After the community service activities were carried out, it was found that 100% of the community understood illegal online borrowing and raffle prizes via telephone and SMS.
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Arafah, Muh. "Peluang Dan Tantangan Pembiayaan Online Syariah Dalam Menghadapi Pinjaman Online Ilegal." IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita 11, no. 1 (2022): 65–77. http://dx.doi.org/10.46367/iqtishaduna.v11i1.540.
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This study aims to show the opportunities and challenges of Islamic online financing in dealing with illegal online loans favoured by the public. The research method uses literature studies from journals, online news, and other reading materials. The study results found Islamic online financing opportunities in dealing with illegal online loans. Indonesia has a Muslim majority population, high internet users, the issuance of fatwa number 117/DSN-MUI/II/2018, and the spread of bad interest-based online loans. Meanwhile, the challenges of Islamic online financing in dealing with illegal online loans are the low level of Islamic financial literacy, access for micro, small and medium enterprises (MSMEs) to obtain financing to the banking sector is still low, and online-based security challenges. This research can be used to reference Islamic financing and complement existing theories.
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Sugianto, Sugianto, Hasriani Hasriani, Muhammad Mitsal Islami, and Randi Mauna Noor. "Analysis of the Development of Online Loans and Gen Z Opinions in Makassar City in the Era of Digital Capitalism." Journal La Bisecoman 6, no. 1 (2025): 1–16. https://doi.org/10.37899/journallabisecoman.v6i1.1835.
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In its development, online loans have become the choice of many people to meet their needs. This is due to the ease and speed of the process. However, this gives rise to new problems, namely the large number of online loan services that are not registered or illegal, so that their existence is very detrimental to people who make loans, because the loans are carried out by providing unreasonable interest charges. Carrying out a descriptive economic analysis of the development of crime which occurred due to illegal lending in Makassar City in 2023-2024, Analyzing the factors that influence GEN Z to take online loans. The method used in this research is quantitative and qualitative research or what is usually called Mix Method. The results of this research are that the growth of online loan companies is increasing every year, but for those registered with the OJK it is decreasing, the development of online loan crime is increasing rapidly, this can be seen from the number of complaints to the OJK and the news circulating, Lifestyle factors have no significant influence on loans. Online, the Need Factor has a positive and significant effect on Online Loans, Access to Financial Institutions has a positive and significant effect on Online Loans. research.
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Khalida, Utami, Amyulianthy Rafrini, Astuti Tri, and Primadana Azidan. "Digital Financial Literacy: Peer-To-Peer (P2P) Lending of Microenterprise in Cibuntu Village." Journal of Economics, Finance and Management Studies 06, no. 08 (2023): 3965–70. https://doi.org/10.5281/zenodo.8275275.
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The society began to look for information about Fintech Peer-To-Peer (P2P) Lending or online loans that became known to the public after news emerged of the rampant illegal online loan entanglements. Online loans are attached to a negative stigma, on the other hand online loan platforms are needed by the community. In line with the government's goals, the purpose of Community Service (PKM) activities is to increase understanding, insight, digital financial knowledge regarding Fintech P2P Lending for MSME groups in the Cibuntu Bekasi, South Tangerang West Java Indonesia. The material provided includes the development of Fintech P2P Lending in Indonesia. Second, explaining the benefits and risks and how to choose an online loan platform that is registered and licensed at the Financial Services Authority (OJK). Third, provide an explanation of the consequences and legal protection for ordinary people so they don't worry when facing legal problems with illegal online loan companies. Fourth, the existence of the Investment Alert Task Force which was formed by the government in the context of preventing and handling allegations of unlawful acts by illegal online loan companies. The hope of this activity is that the community and MSME actors can choose legal online loan platforms and avoid illegal online loan entanglements.
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Sigalingging, Bagas Pratama, Anggya Nurmala Putri, and Ummi Yusnita. "Obstacles in the Implementation of Online Loans in Indonesia (Based on Protection Law Consumer)." Justice Voice 2, no. 2 (2024): 89–99. http://dx.doi.org/10.37893/jv.v2i2.825.
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Online loans are platforms that allow individuals or businesses to apply for and obtain loans over the internet. Online loans offer convenience and accessibility. However, there are also illegal online loans that are harmful to their users. This is the background for the emergence of two problem formulations, namely how legal regulations governing the practice of online loans and how consumer legal protection in online loans. The research method used is normative juridical. The results found that Financial Services Authority (Otoritas Jasa Keuangan/OJK) as the responsible authority has issued Financial Services Authority Regulations (Peraturan Otoritas Jasa Keuangan/POJK) No. 77/POJK.01/2016 on Information Technology-Based Money Lending and Borrowing Services. However, the implementation and effectiveness of this regulation is still a big challenge. Many online lending platforms operate without a license and ignore the applicable regulations, thus posing a high risk to consumers. Recipients of online loans can be said to be consumers because they are users of a service. In this case, online loan services, consumer protection has been regulated in Law No. 8 of 1999 of Consumer Protection, and regarding consumer protection in online loans has also been regulated in POJK No. 77/POJK.01/2016 and Bank Indonesia Regulation No. 3 of 2023 on Bank Indonesia Consumer Protection, although there are already regulations governing online loan consumers, online loan consumer protection is still a problem because many illegal online loans are always looking for loopholes and circumvent existing regulations.
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Wirawan, Logan Gunadi, and Ni Made Martini Puteri. "The impact of illegal online loans on student financial well-being and academic persistence." Penelitian Ilmu Pengetahuan Sosial 2, no. 1 (2025): 32–47. https://doi.org/10.61511/pips.v2i1.2025.1781.
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Background: The increasing prevalence of illegal online lending (pinjol) in Indonesia has raised concerns regarding its impact on students. Despite their status as educated individuals, many students face financial hardships that push them to seek alternative financial solutions, including illegal online loans. This research explores the factors leading students to use illegal online loans, the victimization process, and the long-term consequences on their academic and financial well-being. Methods: This study employs a qualitative research approach using a critical criminology framework to analyze the structural factors contributing to student victimization. Data were collected through structured interviews with seven students from different universities in Indonesia, all of whom had firsthand experience as illegal online loan users. Findings: Many students refrain from reporting their cases due to fear of social stigma, legal repercussions, and the perception that authorities may not take their complaints seriously. Students face financial strain due to tuition fees, living expenses, and societal expectations to be independent. Many are forced to seek quick financial solutions, leading them to illegal lending platforms. Victims often face intimidation and threats from debt collectors, including exposure of personal information. Conclusions: Illegal online loans create significant financial, psychological, and academic challenges for students. The exploitative nature of these loans exacerbates existing economic inequalities, forcing students into cycles of debt and distress. Novelty/Originality of this Article: This study offers a new perspective on the role of financial stress and social expectations in student involvement with illegal online lending. Unlike previous research that focuses solely on digital lending regulation, this study examines the personal experiences of student borrowers and the structural factors contributing to their financial victimization. The findings provide valuable insights for policymakers, financial institutions, and educators in developing preventive strategies to reduce student dependency on illegal online loans.
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Nugroho, Pandu Dwi. "Tinjauan Konsep Pinjam Meminjam Berbasis Online Prespektif dalam Etika Bisnis." Smart Law Journal 1, no. 2 (2022): 112. http://dx.doi.org/10.34310/slj.v1i2.667.
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Tingginya perkembangan masyarakat membuat perkembang teknologi saat ini bertumbuh semakin pesat khususnya dalam pinjam-meminjam secara online. Masalah keuangan masyarakat mendesak sehingga membutuhkan cara alternatif dalam mendapatkan sumber pembiayaan. Lembaga keuangan bukan bank menjadi solusi perkembangan perekonomian saat ini sering disebut dengan layanan Financial Technology (Fintech). Pinjaman online memberikan kemudahan serta kecepatan pada masyarakat untuk mendapatkan pinjaman. Namun, di sisi lain, tidak sedikit masyarakat yang akhirnya terjerat utang pinjaman online. Pinjaman online memberikan kemudahan dan kecepatan masyarakat untuk mendapatkan pinjaman dana. Para pengelola ini bisa memberikan pinjaman dalam hitungan jam. Tambah lagi, pinjaman yang mereka tidak membutuhkan agunan. Penelitian ini bertujuan untuk membahas praktik pinjaman online illegal dalam perspektif etika bisnis. Metode penelitian menggunakan metode yuridis normatif dengan spesifikasi penelitian deskriptif analitis dengan pendekatan peraturan perundang-undangan dan pendekatan fakta. Pada praktik pinjaman online ini ditemukan beberapa masalah seperti munculnya pinjaman online illegal tercatat dari tahun 2018 – tahun 2019, Otoritas Jasa Keungan mencatat dan memblokir 947 entitas teknologi finansial berjenis pinjaman antar pihak (peer to peer lending) tak berijin. Dalam perspektif etika bisnis kegiatan pinjaman online bisa dilakukan dengan menjaga kepercayaan yang memiliki pengaruh yang besar terhadap reputasi perusahaan. Namun apabila perusahaan tersebut illegal dapat memicu terjadinya tindak pidana seperti penipuan, pencucian uang atau penyalahgunaan data milik konsumen. Kondisi ini dipicu oleh banyak masyarakat yang belum mengetahui mengenai bisnis finansial teknologi. Dari hasil penelitian ini diharapkan dapat memberikan kontribusi dan solusi penanganan dalam pinjaman online illegal agar selalu waspada dan tidak mudah tergiur terhadap pinjaman online tersebut. Kata kunci: Pinjaman Online Ilegal, Etika Bisnis, Penyalahgunaan DataREVIEW OF THE CONCEPT OF ONLINE-BASED LENDING AND BORROWING PERSPECTIVE IN BUSINESS ETHICSABSTRACTThe high development of society makes technological developments currently grow more rapidly, especially in online borrowing. The public's financial problems are urgent, so they need alternative ways to get funding sources. Non-bank financial institutions are a solution to current economic development, often referred to as Financial Technology (Fintech) services. Online loans provide convenience and speed for people to get loans. However, on the other hand, not a few people end up getting into online loan debt. Online loans provide convenience and speed for people to get loan funds. These managers can provide loans in a matter of hours. In addition, their loans do not require collateral. This study aims to discuss illegal online lending practices in the perspective of business ethics. The research method uses a normative juridical method with descriptive analytical research specifications with a statutory and factual approach. In this online lending practice, several problems were found, such as the emergence of illegal online loans recorded from 2018 - 2019, the Financial Services Authority recorded and blocked 947 financial technology entities of the type of unlicensed peer to peer lending. In the perspective of business ethics, online loan activities can be carried out by maintaining trust which has a great influence on the company's reputation. However, if the company is illegal, it can trigger criminal acts such as fraud, money laundering or misuse of consumer data. This condition is triggered by many people who do not know about the financial technology business. From the results of this study, it is expected to be able to provide contributions and solutions for handling illegal online loans so that they are always vigilant and not easily tempted by these online loansKeywords: Illegal Online Loans, Business Ethics, Data Misuse
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Marwenny, Elwidarifa, Desi Somaliagustina, Engrina Fauzi, et al. "Penyuluhan Hukum Tentang Pinjaman Online Di Komplek Perumahan Unand, Kelurahan Padang Besi Kecamatan Lubuk Kilangan Kota Padang." Jurnal Pengabdian Masyarakat Dharma Andalas 2, no. 2 (2024): 125–30. https://doi.org/10.47233/jpmda.v2i2.1243.
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Community Service Activities that will be carried out by the Lecturer Team of the Dharma Andalas University Law Study Program will be accomplished in the form of law counseling related to Online Loans. This is intended to socialize to the public about legal online loans and vice versa. It is because the illegal online loans are very widespread and disturbing to the public because debt collectors who collect loans terrorize their victims. Law counseling was provided in one of the sub-districts in Padang City due to the large number of complaints from the people who were caught in online loans where the relevant task force received 8,991 complaints related to illegal loan until October 2023, so that the public needed to be given an understanding regarding to loan money, both legal and illegal, and the impacts from the perspective of law. This service is carried out by using a lecture method with laptop and LCD Projector in Padang City, particularly at the house of one of the residents in Unand Housing Complex, Padang Besi Village, Lubuk Kilangan District, Padang City. To measure their understanding, the participants were asked questions in the form of question-and-answer games.
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Shonhadji, Nanang. "Fraud Analysis on Illegal Online Lending Using Habermas' Theory of the Public Sphere." Jurnal Ilmiah Akuntansi dan Bisnis 17, no. 1 (2022): 33. http://dx.doi.org/10.24843/jiab.2022.v17.i01.p03.
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This study aims to find out and reveal how fraudulent practices in illegal online loans are carried out by P2P lending service providers from the point of view of Habermas' critical thinking. Research site was an illegal online lending practice and the informant were users and victims of fraud from illegal online lending practices who are domiciled in Surabaya, Sidoarjo and Pasuruan, East Java. This qualitative research uses the Radical Humanist Paradigm approach. Result of this research have shown that Habermas' theory of the public sphere can be used as a basis for thinking to reveal the fraud media used by illegal financial technology lenders. The need for clarity on regulations for peer to peer (P2P) lending transactions through online media and firmness of sanctions for perpetrators of illegal online loan fraud to protect the public is a form of consciousness proposed idea.
 Keywords: fraud, online loans, Habermas
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Tiara Rahmawati, H. Agus Takariawan, and Rully Herdita Ramadhani. "PENEGAKAN HUKUM TINDAK PIDANA PENIPUAN BERBASIS ONLINE DENGAN MODUS GIVEAWAY DI PLATFORM MEDIA SOSIAL." Paulus Law Journal 3, no. 2 (2022): 102–18. http://dx.doi.org/10.51342/plj.v3i2.363.
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The development of the digital era, especially in the technological aspect, has led to various innovations in the field of financial services, one of them is Financial Technology. The type of Financial Technology that is in huge demand and often used is Financial Technology Lending or information technology-based on lending and borrowing services or also known as online loans. Nowadays, Financial Technology Lending used as an alternative investment and practical source of funding for the community. However, along with developments, the convenience provided by Financial Technology Lending services can pose a risk of a criminal act, especially in the cyber aspect. Although in the practice law enforcement related to criminal acts committed within the scope of illegal online loan has been carried out. In reality illegal online loans are still rife in the community. This study aims to examine law enforcement and obstacles related to law enforcement against criminal acts committed within the scope of illegal online loans in Indonesia. By using a normative juridical approach, secondary data sources will be analyzed qualitatively, the following research results are obtained: (1) A description of the factors that affects law enforcement has been applied in tackling criminal acts committed within the scope of illegal online loans; (2) Even though law enforcement has been carried out, in practice there are still obstacles that not being able to eradicate criminal acts that occur within the scope of illegal online loans.
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Manayra Aisha Putri Indradjaja, Sigid Suseno, and Rully Herdita Ramadhani. "ANALISIS PENEGAKAN HUKUM TINDAK PIDANA YANG DILAKUKAN DALAM LINGKUP PINJAMAN ONLINE ILEGAL DI INDONESIA." Paulus Law Journal 3, no. 2 (2022): 50–64. http://dx.doi.org/10.51342/plj.v3i2.364.
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The development of the digital era, especially in the technological aspect, has led to various innovations in the field of financial services, one of them is Financial Technology. The type of Financial Technology that is in huge demand and often used is Financial Technology Lending or information technology-based on lending and borrowing services or also known as online loans. Nowadays, Financial Technology Lending used as an alternative investment and practical source of funding for the community. However, along with developments, the convenience provided by Financial Technology Lending services can pose a risk of a criminal act, especially in the cyber aspect. Although in the practice law enforcement related to criminal acts committed within the scope of illegal online loan has been carried out. In reality illegal online loans are still rife in the community. This study aims to examine law enforcement and obstacles related to law enforcement against criminal acts committed within the scope of illegal online loans in Indonesia. By using a normative juridical approach, secondary data sources will be analyzed qualitatively, the following research results are obtained: (1) A description of the factors that affects law enforcement has been applied in tackling criminal acts committed within the scope of illegal online loans; (2) Even though law enforcement has been carried out, in practice there are still obstacles that not being able to eradicate criminal acts that occur within the scope of illegal online loans.
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Nurrachma Maharani, Anatasia Lamminar, Pujia Khoirunisa, and Andriyanto Adhi Nugroho. "Tinjauan Yuridis Pinjaman Online Dalam Layanan Financial Technology di Indonesia." Deposisi: Jurnal Publikasi Ilmu Hukum 2, no. 3 (2024): 189–96. http://dx.doi.org/10.59581/deposisi.v2i3.3825.
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Peer to peer lending or online loans are online money lending services commonly known as financial technology, which currently generally take the form of applications. Online loans really help people who need fast and easy funds for both consumptive and productive purposes. This service is increasingly mushrooming in Indonesia due to interest from the community itself, resulting in the emergence of illegal online loan apllications which have a detrimental impact on consumers. The normative juridical method used in this research is conducting a literature study on secondary data. The research results show legal protection and the level of effectiveness of supervision for consumers who are harmed by illegal online loan applications.
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Raissa Aprilita Limbong and Mohammad Fajri Mekka Putra. "PERAN NOTARIS PEMBUAT AKTA KOPERASI DALAM PENCEGAHAN PRAKTIK PINJAMAN ONLINE ILEGAL." Juris 6, no. 2 (2022): 389–96. http://dx.doi.org/10.56301/juris.v6i2.606.
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This Paper aims to explore the role of Notary to preventing the practice of Illegal Online Loans. The Cooperative Deed Maker Notary (NPAK) has a role preventing Illegal Loans through the stages of establishing a Cooperative Legal Entity. In practice, Illegal Online Lenders usually use the status as a Savings and Loan Cooperatives on its establishment. Many party who misuse it and against some of the rules based on the establishment of a Cooperative based on Law no. 25 of 1992 concerning Cooperatives. Authority of a Notary under the Law on Notary Positions ("UUJN") is authorized to provide legal counseling in making the Deed of Establishment of Cooperatives. This can be used as a Notary as a forum to verify the parties in their purpose of establishing a Savings and Loans Cooperative.
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Annisa, Nur, Achmad Zainul Rozikin, and Arafat Arafat. "Sosialisasi Bahaya Judi Online dan Pinjaman Online Ilegal di Sekolah Menengah Atas: Pentingnya Kesadaran Sejak Dini." PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat 10, no. 2 (2025): 482–87. https://doi.org/10.33084/pengabdianmu.v10i2.9373.
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The rapid development of information technology has a significant impact on every aspect of life, including the emergence of one of the disturbing phenomena of online gambling and illegal online loans. Online gambling offers fantastic winnings that make victims addicted, while illegal online loans offer easy disbursement of funds that trap victims in financial problems. To increase awareness from an early age about the dangers of online gambling and illegal online loans, socialization activities were carried out for students of SMA Negeri-2 Palangka Raya. This socialization used an interactive lecture method with an audio-visual approach, case studies, simulations, and interactive quizzes. The results of the socialization showed that participants experienced an increase in understanding of the modus operandi and legal consequences of online gambling and illegal online loans and built critical awareness. In addition, participants also received education about the importance of wise financial management strategies as a preventive measure.
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Ahus, Fahmi, and Rozah Umi. "Cyber Crime Countermeasures Policies Carried Out Within the Scope of Illegal Online Loans." International Journal of Social Science and Human Research 07, no. 06 (2024): 3834–38. https://doi.org/10.5281/zenodo.11561938.
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Fintech Lending or online loans provide convenience for everyone who will borrow funds only with internet media or applications. However, with this convenience, illegal online loans have emerged which cause cyber crime in the scope of illegal online loans such as intimidation collection, extortion, fraud and even death threats and sexual harassment. This study analyzes both repressive and preventive countermeasures policies in tackling cyber crime in illegal online lending. This research uses juridical normative methods with primary materials of laws and regulations. Repressive efforts in law enforcement in cyber crimes in online loans carried out by the National Police, Prosecutors, Judges, and community agencies are influenced by legal factors, law enforcement factors, facilities or facilities factors. Preventive efforts in tackling these crimes by direct education to the community through socialization, seminars, discussions and dialogues.
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Siti Hanan, Fathurohman Fathurohman, Tubagus Faisal, et al. "Edukasi Sadar Hukum Mengenai Bahaya Judi Online dan Pinjaman Online Ilegal di Kalangan Remaja di SMK Pariwisata Anyer." Jurnal Kabar Masyarakat 2, no. 3 (2024): 276–81. http://dx.doi.org/10.54066/jkb.v2i3.2361.
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This research aims to provide education about legal awareness at the Anyer Tourism Vocational High School (SMK) in an effort to prevent the practice of online gambling and illegal online loans among teenagers, as well as to understand the legal impacts that teenagers involved in these activities may face. Through legal education activities regarding online gambling, this is one form of effort to provide education to students at Anyer Tourism Vocational School. In this community service, the author uses methods of presentation and discussion regarding the prevention and handling of online gambling and illegal online loans. The specific target of this service is that the students of Anyer Tourism Vocational School can be well educated regarding understanding, understanding, legal basis and efforts to prevent and overcome cases of online gambling and the risks of making illegal online loans. The main aim of holding this activity is to make students aware of the dangers of online gambling and that illegal loans are very vulnerable to risk. The risk of online gambling addiction is that students will not focus on their lives and if the perpetrator does not have the money to play online gambling, the result is that online gambling players will look for illegal loans to be able to continue playing online gambling.
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Krey, Thresia Hilda Mathelda Yenkase, and Winna Amelia Alfrida Senandi. "EDUKASI BAHAYA APLIKASI PINJAMAN ONLINE ILEGAL." JURNAL PENGABDIAN PAPUA 8, no. 1 (2024): 51–59. https://doi.org/10.31957/jpp.v8i1.3344.
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This outreach activity with the title "Education on the Dangers of Illegal Online Loan Applications" was carried out as a form of applying science and technology within the PGRI Jayapura High School and the BKKBN Jayapura Youth Information and Counseling Center Association with the target of counseling participants being school children and teenagers. The aim of this activity is to provide an understanding of the dangers of using illegal online loan applications, the actions that need to be taken so that we avoid using illegal online loan applications, and regarding the legal rules regarding the use of illegal online loan applications. During the activity, the enthusiasm of the participants was visible, especially when providing responses during the question and answer session at the end of the activity. It is hoped that this activity will provide benefits to prevent the use of illegal online loan applications circulating in the community by irresponsible actors. Apart from that, it is hoped that this activity can also be an effort that is indirectly useful for protecting the people in Jayapura City. Keywords: illegal fintech, online loans, internet, illegal.
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Khoirotul Adabiyah. "Menilik Himbauan Pemerintah Terkait Pinjaman Online Ilegal Perspekif Fikih Muamalah." SETYAKI : Jurnal Studi Keagamaan Islam 1, no. 4 (2024): 77–86. https://doi.org/10.59966/setyaki.v1i4.721.
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Seeing the large number of cases and fatalities found due to illegal lending, the government finally issued an appeal to the public not to pay their debts from illegal lending services. The purpose of this research is to find out the muamalah fiqh review of the government's appeal regarding the prohibition on paying illegal loan debts, as well as to find out the benefits that exist for the government, debtors and creditors of illegal loans. This research method uses a qualitative method that examines the muamalah fiqh review of the government's appeal regarding the prohibition on paying illegal loan debts, with a type of library research using descriptive analysis methods. The results of this research show that illegal loan debtors are still obliged to pay
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Widyasari, Zahra Nurizki, Arief Budiono, and Tomás Mateo Ramon. "Pop-Up Ads Legal, Illegal, and The Role of The Financial Services Authority." Audito Comparative Law Journal (ACLJ) 5, no. 3 (2024): 143–54. http://dx.doi.org/10.22219/aclj.v5i3.33471.
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Pop-up ads are notifications on the smartphone window when opening a website or application, which are useful for attracting users when crossing the web. Legal and illegal online loans also utilize this feature in marketing their services. The Financial Services Authority has a vital role in eradicating these pop-up ads so as not to cause unrest in the community. The aim is to find out how the role of the Financial Services Authority in controlling the circulation of online loan pop-up ads and what the consequences are. This literature study research uses normative juridical research methods. The data combines primary, secondary, and tertiary legal sources, then processed through descriptive analysis to obtain detailed and structured results. The results show that pop-up ads for online loans, especially illegal ones, can bring unrest to the community. Therefore, people can be easily tempted to take out loans and end up badly when they cannot repay them. The reasons behind a person making a loan vary, such as attractive advertisements or urgent economic circumstances. The Financial Services Authority and other government agencies are working together to eradicate illegal online loans, one of which is blocking them so that only verified online loan pop-up ads remain. The hope is that the public does not need to worry about accessing online loans through pop-up ads because it can be ascertained that these loans are legal. This research concludes that online loan pop-up ads are still so troubling that the role of the Financial Services Authority and other government agencies needs to be improved. The Financial Services Authority must not be careless in eradicating them to create a healthy and safe economic environment for the community.
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Setiadi, Hari. "Kajian Hukum Islam Tidak Membayar Hutang pada Pinjaman Online Ilegal." Hijaz: Jurnal Ilmu-Ilmu Keislaman 2, no. 2 (2023): 51–56. http://dx.doi.org/10.57251/hij.v2i2.825.
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The law of accounts payable is permissible but it can be mandatory or vice versa, namely unlawful. Debt can make a person's way to heaven because of his intention to help others (Hablun minanna), but debt can also lead someone to hell fire if not managed properly. As is the case with illegal online loans that use loan transactions for the purpose of making profits from customers in ways that deviate from sharia provisions. For this reason, the Indonesian government emphasizes to people who are entangled in illegal online loans not to pay debt bills. This is contrary to Islamic teachings where it is obligatory to pay debts that are due. This study uses a qualitative method with a literature review approach, by finding out the terms and conditions of debt in Islam and analyzing how the law does not pay off illegal online loan debts.
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Imanuddin, Iman, RR Dewi Anggraeni, Fridayani, and Susanto. "Construction of Consumer Protection Against Illegal Online Loan Transactions As a Means of IUS Constituendum in Indonesia." Jurnal IUS Kajian Hukum dan Keadilan 11, no. 3 (2023): 539–56. http://dx.doi.org/10.29303/ius.v11i3.1312.
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The rise of illegal online loans has caused a lot of harm to consumers. Some argue that the OJK as a regulator in the field of financial services is considered incapable of protecting consumers. The research method, normative juridical approach with laws and regulations analyzed qualitatively. The conclusions obtained are, first, the regulation of consumer legal protection for online loans according to Indonesian law is carried out by applying the principles of transparency, fair treatment, reliability, confidentiality, and security of consumer data/information. Second, legal protection for online loan recipients is carried out preventively through regulation and supervision, as well as providing information and education to the public about the characteristics of illegal online loans. Repressive legal protection can be carried out by imposing administrative, civil, and criminal sanctions. Suggestions that can be conveyed are that the OJK needs to increase stricter supervision of online loan providers and that laws and regulations are needed that are higher than the existing laws and regulations.
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Ardianti, Tifany Puspa, and Rani Apriani. "CONSUMER PERSONAL DATA LEGAL PROTECTION ON ILLEGAL FINTECH LOANS." Jurnal Meta-Yuridis 6, no. 1 (2023): 50–62. http://dx.doi.org/10.26877/m-y.v6i1.13688.
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Currently, there are many online loans that make it easy for people to access credit. In addition to providing convenience, online loans can also harm the public by disseminating personal data. The protection of the rights of online loan service users is considered not optimal. This study aims to find out about the misuse of technology, especially in financial technology. The research method used is a normative juridical approach, the research phase is a literature study, data collection techniques through document studies and normative qualitative data analysis. The results of the study show that consumer protection and consumer personal data protection are indispensable. In this regard, it is important to review the legal protection of borrowers' personal data in online loan application services and sanctions for violations of personal data. The state has provided consumer protection as regulated in Law Number 21 of 2011 concerning Consumer Protection and Financial Services Authority Regulation Number 6/POJK.07/2022 concerning Consumer and Community Protection in the Financial Services Sector.
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Angkasa, Angkasa, Filep Wamafma, Ogiandhafiz Juanda, and Bhanu Prakash Nunna. "Illegal Online Loans in Indonesia: Between the Law Enforcement and Protection of Victim." Lex Scientia Law Review 7, no. 1 (2023): 119–78. http://dx.doi.org/10.15294/lesrev.v7i1.67558.
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The phenomenon of online loans in Indonesia is becoming increasingly prevalent, accompanied by the proliferation of online loan provider services. However, this growth has also led to numerous instances of fraudulent practices within the online lending sector. This study aims to analyze the effectiveness of law enforcement and victim protection in cases of illegal online lending in Indonesia by comparing relevant laws and regulations. The findings of this study reveal that illegal online loans have severe consequences, resulting in victims suffering from material loss, psychological distress, physical harm, and social ramifications. Unfortunately, the current state of law enforcement falls short of delivering justice to the victims, as evidenced by the leniency of sentences imposed on offenders.
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Irwandi, Soni Agus, and Nanang Shonhadji. "Framing Analysis: Do Illegal Online Loans Have Fraud." Jurnal Kajian Akuntansi 7, no. 2 (2024): 237–53. http://dx.doi.org/10.33603/jka.vol7.no2.a12.
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This study aims to examine how the framing of news illegal online loan fraud in online mass media which is then used as information to find out the causes of the fraudulent practices. The Pan and Kosicki framing analysis method, which was extended with the fraud hexagon theory, were used. The sites in this study were online mass media, particularly tribunnews.com and kompas.com, reporting cases of fraud committed by illegal online lending companies. The results of the framing analysis on the news published by Tribunnews.com show that illegal online lending companies have committed fraudulent practices to their customers and their existence is very disturbing to the public. Kompas.com uses a more preventive method by revealing the ways that the people should do to avoid these traps and fraud. The results of the analysis using the fraud hexagon theory show that fraudulent practices committed by illegal online lending companies are caused by pressure from capital owners, information technology capabilities owned, broad market opportunities, rationalization that people need fast funds, ego, and binding agreements as a form of collusion. The increasing role of the government in providing protection for the public in online transactions is an important implication of this research.
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Saepudin, Eli Apud, M. Nassir Agustiawan, and Asnawi Asnawi. "ANALISIS KEBIJAKAN PUBLIK DAN HUKUM PIDANA DALAM PERSPEKTIF PERLINDUNGAN KOSUMEN PENGGUNA PINJAMAN ONLINE (PINJOL)." Jurnal Res Justitia: Jurnal Ilmu Hukum 4, no. 1 (2024): 134–39. https://doi.org/10.46306/rj.v4i1.107.
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Nowadays, people are lulled by the proliferation of online loans which are very easy to get using an Android smartphone, quota, e-KTP, selfie photo and smartphone number. In less than five minutes, the liquid money is received by consumers into their personal accounts, first loan, second loan and so on. third loan and so on and in the end, all the online loan applications available on Playstore can be downloaded, there can be up to ten or even more loans downloaded on smartphones. Unfortunately, because there are so many loans whose funds are credited to personal accounts at the same time as the payment is due, consumers are terrorized day and night, even holidays are billed as well as confusion about paying because the money has run out to meet consumer needs, based on government policy through the Financial Services Authority Non-bank Payment Service Providers (PJP), Aggregators and Cooperatives collaborate or facilitate illegal online loans, and are required to comply with the principle of recognizing service users ( Know Your Customer) in accordance with applicable laws and regulations, this means that illegal online loans may not be paid, while legal loans must be paid. If consumers who use legal loans do not pay, they will be included in the BI Checking list and blacklisted by the OJK, meaning consumers cannot borrow either from banks or other loans, consumers can be punished if they fail to pay the loan. However, in Article 19 paragraph (2) of Law no. 39 of 1999 concerning Human Rights, consumers will not be punished, but if they have a bad credit history, their name will be on the OJK's bad credit blacklist
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Sumar'in, Sumar'in, Pahmi Ardi, Sumin Sumin, and Iwan Kusnadi. "Empowering Loan Awareness: The Role of Sharī‘ah Financial Literacy, Blockchain, and Fintech Trust." Signifikan: Jurnal Ilmu Ekonomi 14, no. 1 (2025): 179–96. https://doi.org/10.15408/sjie.v14i1.44735.
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Research Originality. Despite extensive research on Sharī‘ah financial literacy and fintech trust, their combined impact on illegal loan awareness remains unexplored. This study bridges that gap by analyzing their interaction in financial decision-making amid rising predatory lending, offering a novel perspective on their protective role against unethical financial practicesResearch Objectives. This study aims to examine the effect of Sharī‘ah financial literacy on awareness of illegal online loans, with blockchain technology understanding and Sharī‘ah fintech trust as mediating variables.Research Methods. An associative quantitative approach was employed, utilizing a survey of 519 Indonesian millennial Muslims, selected through simple random sampling. Data analysis was conducted using structural equation modeling (SEM) to explore the relationships among variables.Empirical Results. The findings indicate that Sharī‘ah financial literacy significantly influences blockchain understanding, fintech trust, and awareness of illegal online loans. Blockchain understanding enhances fintech trust but does not directly impact loan awareness, whereas trust in Sharī‘ah fintech positively affects awareness of illegal online lending risks.Implications. This study underscores the importance of improving Sharī‘ah financial literacy and blockchain understanding to strengthen consumer trust in Sharī‘ah fintech and raise awareness of illegal online lending risks. However, further research with broader samples is recommended to validate these findings.JEL Classification: G41, G28, O33, Z12, D83
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Oktha Wardi Purba, Si Ngurah Ardhya, and Komang Febrinayanti Dantes. "PERLINDUNGAN KONSUMEN TERHADAP PENGGUNA PINJAMAN ONLINE ILEGAL DI KOTA DENPASAR." Jurnal Ilmu Hukum Sui Generis 3, no. 4 (2023): 180–93. https://doi.org/10.23887/jih.v3i4.2783.
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This research aims to (1) analyze legal protection for online loan consumers in terms of inappropriate information in advertisements regarding loan interest; and (2) knowing and analyzing the role and function of the OJK in providing consumer protection for illegal online loans in Denpasar City. The type of research in writing this thesis is empirical juridical which is analyzed qualitatively. The data used in this research are primary data and secondary data. Primary data is obtained from the first source, secondary data from primary, secondary and tertiary legal materials. Data collection techniques use interview techniques and document study. Meanwhile, the sampling technique in this research is non-probability sampling, which is purposive sampling. Based on the research results, it was found that (1) consumer protection regarding illegal online loans is carried out preventively and repressively through Law Number 21 of 2011 and business actors are required to pay attention to and implement the provisions of OJK regulation no. 77/POJK.07/2016; (2) The OJK's role in protecting consumers of illegal online loans in Denpasar City is carried out by providing education and literacy to the community, collaborating with the ministry and the Central OJK by forming the SWI SATGAS, updating official fintech lending data, and facilitating the public to send complaints via the website OJK APPK.
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Ginting, Grenaldo. "Analysis and Assessment of Legal Protection of The Community and Online Loan Debtors During The Covid 19 Pandemic." International Journal of Engineering Business and Social Science 1, no. 04 (2023): 277–82. http://dx.doi.org/10.58451/ijebss.v1i04.44.
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Online loans during the Covid 19 pandemic have caused serious problems because of the many threats, extortion and even leakage of personal data by illegal online loan companies. However, that doesn't mean that legal online loans don't have their own problems. The author then conducts research to understand the causes of this phenomenon from the point of view of normative juridical analysis. The results of the study show that the legal system in Indonesia does not provide adequate legal protection so that people are not encouraged or forced to apply for online loans. In addition, the legal protection system from the government to the community and online loan debtors has not been properly systemized.
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ST. Nirwansyah, ST Nirwansyah. "PELANGGARAN HAK ASASI MANUSIA DALAM KEMAJUAN TEKNOLOGI INFORMASI ATAS PINJAMAN ONLINE." Ensiklopedia of Journal 4, no. 3 (2022): 45–52. http://dx.doi.org/10.33559/eoj.v4i3.957.
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Setting the protection of personal data is important at this time because various problems arise often with the increasing use of personal data in information technology-based transactions in various aspects of life. The difficulty in taking action against illegal online loan businesses is because there are no regulations that provide strict sanctions against the existence of illegal online loans. These conditions make online loan service users get into problems at the time of collection. In this case, the billing method is sometimes unreasonable by using threats and terror techniques that lead to human rights violations. The protection of the rights of online loan service users is still not optimal even though there are sanctions in the laws and regulations regarding violations of one's right to security through electronic media. This is very concerning considering that online loan service users have basic rights that need to be protected, both as consumers and as humans who have had basic rights since birth.Keywords: Human Rights, Advances in Technology, Information, Online Loans.
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Qinvi, Nada Ulya, and Henry Darmawan Hutagaol. "Kewenangan Pemerintah Dalam Pengaturan Pinjaman Online Di Google Play Store." SALAM: Jurnal Sosial dan Budaya Syar-i 9, no. 4 (2022): 1271–82. http://dx.doi.org/10.15408/sjsbs.v9i4.26456.
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The more technology develops, the more complaints from the public against illegal online loan applications on the Google Play Store. Online loans that carry out illegal actions such as debt collector behavior, disbursement without the applicant's approval, threats to spread personal data and terrorize cellphone contacts are increasingly being carried out. The research method used is a juridical-empirical type of legal research using a case approach and a statutory approach. The results of this study are the government that has the authority to online loans on the Google Play Store is the Financial Services Authority, the Investment Alert Task Force and the Ministry of Communication and Information of the Republic of Indonesia by providing administrative sanctions and blocking online loan applications that perform illegal acts.Keyword: Authority; Governement; Online Loans; Google Play Store AbstrakSemakin berkembangnya teknologi semakin banyak juga pengaduan dari masyarakat terhadap aplikasi pinjaman online ilegal yang ada di Google Play Store. Pinjaman online yang melakukan tindakan ilegal seperti perilaku debcolletor, pencairan tanpa persetujuan pemohon ancaman penyebaran data pribadi dan melakukan terror kepada kontak handphone semakin banyak dilakukan. Metode penelitian yang digunakan adalah jenis penelitian hukum yuridis-empiris dengan menggunakan pendekatan kasus dan pendekatan perundang-undangan. Hasil dari penelitian ini adalah pemerintah yang memiliki kewenangan terhadap pinjaman online di Google Play Store ialah Otoritas Jasa Keuangan, Satgas Waspada Investasi dan Kementerian Komunikasi dan Informatika Repubik Indonesia dengan memberikan sanksi administratif dan pemblokiran aplikasi pinjaman online yang melakukan tindakan ilegal.Kata Kunci: Kewenangan; Pemerintah; Pinjaman Online; Google Play Store
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Chastuti Alwallyah, Muhammad Edwinsyah, and Oki Sapitri Menghayati, S.E., M.E. "EFFORTS TO IMPROVE THE COMMUNITY'S UNDERSTANDING REGARDING ILLEGAL ONLINE LOANS ACCORDING TO A SHARIA ECONOMIC LAW." Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah 4, no. 2 (2023): 135–43. http://dx.doi.org/10.22373/iqtishadiah.v4i2.3362.
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This research aims to explore the public's understanding of illegal online loans from the perspective of Sharia economic law in Muara Sugih Village, Tanjung Lago District, Banyuasin Regency. Illegal online lending has become a serious problem in various regions of Indonesia, with significant economic and social impacts. Especially in the context of rural communities such as Muara Sugih Village, where limited access to information and legal regulations can be a risk factor. This research uses a qualitative approach with interview, observation and document analysis methods to collect data from the local community. The results of this research indicate that the majority of the people of Muara Sugih Village have limited understanding about illegal online loans and their lack of knowledge about Sharia economic law. Factors such as urgent economic needs and the lack of halal financing alternatives influence participation in illegal online lending. To increase public understanding, efforts that need to be made include education about Sharia economic law, the risks of illegal online loans, and financing alternatives that comply with Sharia principles. Local governments and social institutions can also play an active role in providing training and education to the public about the negative impacts of illegal online loans as well as solutions that are in accordance with religious values and Sharia economic law. With a better understanding of this issue, the people of Muara Sugih Village can make wiser decisions in managing their finances in accordance with the principles of Sharia economic law.
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Ardana, Sofia Tio, and Yudi Kornelis. "Penyalahgunaan Data Pribadi Pada Pinjaman Online di Indonesia: Analisis Perlindungan dan Sanksi Hukum." Legalite : Jurnal Perundang Undangan dan Hukum Pidana Islam 9, no. 1 (2024): 1–11. http://dx.doi.org/10.32505/legalite.v9i1.8398.
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The increasing number of cases of illegal online loans raises concerns about consumers' vulnerability to the misuse of information containing personal data by perpetrators who have no responsibility when using it. This research was prompted by the increasing incidents of misuse of personal data, which pollutes users' privacy without explicit permission, as reported by victims of illegal online loans. The objective of this research is to analyze the significance of legal protection for personal data in online loan application services, as well as to evaluate the protection and sanctions mechanisms that apply in Indonesia. The research was conducted using normative juridical methods and sourced secondary data, which was studied qualitatively. The findings are as follows: (1) Criminal provisions for fintech operating illegally in Article 32 Juncto (jo), as well as Article 48 of the Law. The 2008 and 2016 regulations do not explicitly address the sanctions that should be imposed on illegal fintech. However, Article 26 of the ITE Law and POJK no. 77/POJK.01/2016 concerning Information Technology-Based Money Lending and Borrowing Services do regulate the legal protection of personal data. 77/POJK.01/2016 concerning Information Technology-Based Money Lending and Borrowing Services; (3) Legal sanctions related to cases of misuse of personal data in accordance with Article 47 paragraph (1) of Law no. 11 of 2008.
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Artha Mahendra Putra and Rani Apriani. "PERLINDUNGAN HUKUM TERHADAP KONSUMEN JASA LAYANAN PEMINJAMAN ONLINE ILLEGAL." Juris 6, no. 2 (2022): 571–78. http://dx.doi.org/10.56301/juris.v6i2.630.
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To be able to anticipate unwanted things and remain orderly, a legal umbrella was issued in the form of Financial Services Authority Regulation Number 77/POJK.01/2016 concerning Information Technology-Based Money-Lending Services (hereinafter abbreviated as POJK NO.77). The Financial Services Authority (hereinafter abbreviated as OJK) in this regulation has authority in terms of regulating all matters that must be complied with by companies engaged in online lending. Fintech is a technology that can facilitate technological needs that can facilitate today's financial needs1. Offering financial solutions through technology brings changes to people's lives in various forms that are tailored to their needs. This type of fintech P2P lending is widely used because the online loan process offered can be done quickly and easily. On the other hand, a number of illegal online loans have sprung up and are easily accessible to the public. Many violations of the law have been committed by illegal online loans to the detriment of society. This paper aims to find out legal protection efforts for consumers in online lending services. The research method used is normative method.
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Ariyy, Bagus, Muhammad Akbar Darmawan, Bagus Ariyandi, Rendy Septiyanto, and M. Taufiq Abadi. "Edukasi Pencegahan Dampak Negatif Pinjaman Online Ilegal Terhadap Pelaku UMKM Kecamatan Pekalongan Timur, Kota Pekalongan." Khidmah Nusantara : Jurnal Pengabdian Kepada Masyarakat 1, no. 1 (2024): 55–61. http://dx.doi.org/10.69533/7c04b451.
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Technological advances in the financial sector are growing rapidly. Technological innovation brings a more practical financial transaction process, one of which is applied to online loans. The implementation of Community Service activities (PkM) is motivated by the rampant illegal online loans offered to the public but not balanced with public knowledge of the online loans themselves. This has caused some MSME players to be trapped in online loan problems. The purpose of the PkM activity is to provide education to the community about digital finance which focuses on online lending material. The implementation of the PkM activity was carried out directly on May 22, 2023 at the culinary market of East Pekalongan District, Pekalongan City. The results of this PkM activity explain that understanding literacy around digital finance, especially on online loans, is very useful for MSME players. This can be seen from the results This service activity has increased participants' awareness of the importance of understanding the legality and risks of online loan fintech.