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All Journal Jurnal Kajian Hukum Dan Kebijakan Publik
Christopher Yehezkiel Bonardo Siahaan
Universitas Sebelas Maret
Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Pertanggungjawaban Peer To Peer Lending Terhadap Lender Apabila Terjadi Default Menurut Hukum Perlindungan Konsumen Christopher Yehezkiel Bonardo Siahaan; Tuhana Tuhana
Jurnal Kajian Hukum Dan Kebijakan Publik | E-ISSN : 3031-8882 Vol. 3 No. 4 (2026): Januari-Februari
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jkhkp.v3i2.2174

Abstract

Peer to peer lending creates a digital financing relationship between lender, borrower, and platform operator. The main legal issue arises when the borrower defaults and the lender suffers financial loss, while the operator often positions itself merely as an intermediary. This article analyzes the liability of peer to peer lending operators toward lenders in the perspective of Indonesian consumer protection law. This research uses normative legal research with statutory and conceptual approaches. The result shows that lenders may be positioned as financial services consumers because they use services provided by a financial services business actor. Default caused solely by the borrower's inability to repay is essentially a funding risk borne by the lender. However, the operator may be held liable when the lender's loss is caused by the operator's fault or negligence, including inaccurate risk disclosure, weak risk mitigation, improper credit scoring, misleading information, or unfair standard clauses that eliminate the operator's responsibility.
Co-Authors Tuhana