Article Per Year (5 Year)
p-Index From 2021 - 2026
0
P-Index
This Author published in this journals
All Journal Jurnal Yustitia
Wulandani
Unknown Affiliation
Law, Crime, Criminology & Criminal Justice

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
PERJANJIAN PINJAM MEMINJAM FINTECH DIHUBUNGKAN KATA SEPAKAT PARA PIHAK SESUAI KETENTUAN PASAL 1320 KUHPERDATA DAN UNDANG UNDANG ITE Wulandani
Yustitia Vol 6 No 2 (2020): Yustitia
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/yustitia.v6i2.115

Abstract

Abstrak Di era teknologi saat ini, kredit keuangan elektronik melalui perusahaan Financial Technology yang Peer 2 Peer (P2P) Lending telah menjadi salah satu alternatif peminjaman dana dengan cepat. Walaupun memberi kemudahan, akan tetapi pinjaman daring juga memiliki banyak masalah dan risiko kepada masyarakat atau calon peminjam yang melakukan transaksi pinjaman. Cepatnya laju perkembangan tersebut tidak dibarengi dengan sosialisasi dan pemahaman yang baik sehingga dampaknya baru terasa ketika terjadi banyak masalah pasca transaksi. Dari penelitian hukum yang telah dilakukan dapat disimpulkan bahwa bentuk kesepakatan yang terjadi antara para pihak yaitu pada saat pemberi pinjaman dan penerima pinjaman sepakat atau menyetujui terhadap syarat maupun ketentuan yang diberikan oleh platform penyelenggara yang diikuti dengan pernyataan kehendak. Pernyataan kehendak tersebut dilakukan dengan cara menekan tombol persetujuan (klik agreement) berupa mengklik centang pada platform. Dalam hal terjadi gagal bayar akibat debitur wanprestasi, debitur tetap mendapat perlindungan atas hak-haknya. Pemberi pinjaman dapat melakukan upaya-upaya untuk memperoleh haknya sebagai kreditor yang diwakilkan oleh penyelenggara dalam urusannya dengan penerima pinjaman. Penyelesaian sengketa dapat melalui non-litigasi maupun litigasi sesuai dengan yang diperjanjikan. Kata Kunci: Perjanjian Fintech, terjadinya kata sepakat, perlindungan hukum.
PERJANJIAN PINJAM MEMINJAM FINTECH DIHUBUNGKAN KATA SEPAKAT PARA PIHAK SESUAI KETENTUAN PASAL 1320 KUHPERDATA DAN UNDANG UNDANG ITE Suardja, Tatang Odjo; Wulandani
Yustitia Vol. 6 No. 2 (2020): Yustitia
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/yustitia.v6i2.115

Abstract

Nowdays in the era of technology, electronic financial credit through the Financial Technology company Peer 2 Peer (P2P) Lending has become an alternative to lending funds quickly. Although it provides convenience, online loans also have many problems and risks to the public or prospective borrowers who make loan transactions. The fast rate of development is not accompanied by good socialization and understanding so that the impact will only be felt when there are many post-transaction problems. In this study, the method used in this case is the Normative Juridical approach method with data collection techniques by means of literature studies on legal materials, both primary legal materials, secondary legal materials and tertiary legal materials and field studies as a complement. From the legal research that has been done, it can be concluded that the form of agreement that occurs between the parties is when the lender and the loan recipient agree or agree to the terms and conditions provided by the organizing platform which is followed by a statement of will. The statement of intention is carried out by pressing the agreement button (click agreement) in the form of clicking a tick on the platform. In the event of default due to default of debtor, the debtor will still receive protection for his / her rights. The lender can make efforts to obtain his rights as a creditor represented by the organizer in his dealings with the loan recipient. Dispute resolution can be done through non-litigation or litigation as agreed.
Co-Authors Suardja, Tatang Odjo