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All Journal Yurisprudentia: Jurnal Hukum Ekonomi Public Sphere: Jurnal Sosial Politik, Pemerintahan dan Hukum
Jusrihamulyono A.HM
Universitas Muhammadiyah Malang
Religion Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences

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Legal Protection for Consumers Victims of Illegal Online Loans in Indonesia: A Normative Study of Personal Data Misuse and Intimidating Billing Practices Vivi Sylvia Purborini; Jusrihamulyono A.HM; Hilman Jayadi
Yurisprudentia: Jurnal Hukum Ekonomi Vol 12, No 1 (2026)
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/yurisprudentia.v12i1.19845

Abstract

The development of financial technology has expanded public access to financing services, yet it has also created opportunities for illegal online lending practices that harm consumers. This article analyses legal protection for consumers in illegal online lending, particularly regarding the misuse of personal data and intimidating debt collection practices that are often used as instruments of pressure against debtors. This study employs a normative juridical method with statutory and conceptual approaches. The legal materials examined include the Consumer Protection Law, the Personal Data Protection Law, the Electronic Information and Transactions Law, the Financial Sector Development and Strengthening Law, and regulations issued by the Financial Services Authority concerning consumer protection and information technology-based joint funding services. The findings show that illegal online lending creates complex legal problems because the violations are not limited to the absence of business licences, but also include violations of privacy rights, lack of information transparency, verbal threats, dissemination of personal data, and social pressure against consumers and third parties. Existing legal instruments provide an adequate normative basis for consumer protection, but their effectiveness remains limited because illegal actors operate outside the licensing system, frequently change their digital identities, and are difficult to reach through administrative supervision. Therefore, consumer protection must be implemented through an integrated preventive, repressive, and restorative approach. This article recommends strengthening inter-agency coordination, improving digital financial literacy, systematically blocking illegal applications, enforcing the law against personal data misuse, and restoring victims’ rights. These findings emphasise the importance of ensuring a balance between financial technology development, legal certainty, and the protection of consumer dignity within Indonesia’s increasingly complex digital economy.
PERLINDUNGAN HUKUM PERJANJIAN ELEKTRONIK SEBAGAI RESPONS ATAS PERUBAHAN SOSIAL PADA HUKUM PERDATA DUNIA USAHA Vivi Sylvia Purborini; Jusrihamulyono A.HM
Public Sphere: Jurnal Sosial Politik, Pemerintahan dan Hukum Vol 5, No 1 (2026): JPS (Jurnal Sosial Politik, Pemerintahan dan Hukum)
Publisher : CV Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/jps.v5i1.2860

Abstract

Advances in information technology have driven significant changes in contractual practices in the business world, particularly through the use of electronic contracts, which require legal certainty and protection within the civil law framework. This study aims to analyze the forms of legal protection for electronic contracts and to examine the civil law response to the social changes occurring in business activities. The method used is normative legal research with a legislative and conceptual approach, through an analysis of the Civil Code, the Electronic Information and Transactions Law, and relevant legal literature. The results of the study indicate that legal protection for electronic contracts has been normatively recognized and possesses valid legal force; however, challenges remain regarding the burden of proof, the validity of electronic signatures, and legal certainty due to rapid technological advancements. Furthermore, social changes marked by the digitalization of the economy demand adjustments to civil law to ensure it remains relevant and adaptive. In conclusion, there is a need to strengthen regulations, harmonize rules, and enhance legal understanding among business actors to ensure the effectiveness of legal protection in electronic contracts amidst the dynamics of social change. ABSTRAKPerkembangan teknologi informasi telah mendorong perubahan signifikan dalam praktik perjanjian di dunia usaha, khususnya melalui penggunaan perjanjian elektronik yang menuntut adanya kepastian dan perlindungan hukum dalam kerangka hukum perdata. Penelitian ini bertujuan untuk menganalisis bentuk perlindungan hukum terhadap perjanjian elektronik serta mengkaji respons hukum perdata terhadap perubahan sosial yang terjadi dalam aktivitas bisnis. Metode yang digunakan adalah penelitian hukum normatif dengan pendekatan perundang-undangan dan konseptual, melalui analisis terhadap KUH Perdata, Undang-Undang Informasi dan Transaksi Elektronik, serta literatur hukum yang relevan. Hasil penelitian menunjukkan bahwa perlindungan hukum terhadap perjanjian elektronik secara normatif telah diakui dan memiliki kekuatan hukum yang sah, namun masih terdapat kendala dalam aspek pembuktian, keabsahan tanda tangan elektronik, dan kepastian hukum akibat perkembangan teknologi yang cepat. Selain itu, perubahan sosial yang ditandai dengan digitalisasi ekonomi menuntut adanya penyesuaian hukum perdata agar tetap relevan dan adaptif. Kesimpulannya, diperlukan penguatan regulasi, harmonisasi peraturan, serta peningkatan pemahaman hukum bagi pelaku usaha guna menjamin efektivitas perlindungan hukum dalam perjanjian elektronik di tengah dinamika perubahan sosial.
Co-Authors Hilman Jayadi Vivi Sylvia Purborini