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Erlina B
Universitas Bandar Lampung
Religion Arts Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Journal : Al-Risalah : Jurnal Imu Syariah dan Hukum

 1 
Regulatory Challenges and Legal Safeguards in Online Lending: Insights from OJK Regulation No. 10 of 2022 Wijaya, Bagas Satria; B, Erlina
Al-Risalah Vol 25 No 1 (2025): MAY (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-risalah.v25i1.55001

Abstract

Online loan agreements are an innovation in digital financial services that offer ease of access and speed in transaction processes. However, this service also presents several challenges, such as the risk of personal data breaches and the widespread occurrence of illegal online lending. This study aims to examine online loan agreements based on the Financial Services Authority (OJK) Regulation Number 10 of 2022 concerning information technology-based joint funding services. The research employs a normative juridical approach through literature review and doctrinal analysis. The findings highlight the importance of digital financial literacy in helping the public understand their rights and obligations in online loan agreements. OJK regulations provide a legal framework for consumer protection, both preventively and repressively, including strict sanctions for violations. The synergy between public education and strong law enforcement is key to creating a safe, trustworthy, and sustainable online lending ecosystem.
Co-Authors . Baharudin Adinda Salsabila Adinda, Salsabilla Agustuti Handayani Aini Nurul Akbar Sigratama Aldo Kurniawan AMINAH andri akasi akasi Anggalana Anggalana, Anggalana angra adinda lara kasih Anita Fitriyani Anugrah, Erwin C Aprinisa Asmelinda, Nadia Asti Amalia Suci Azzura, Salsabilla Nur Bafaddol, M Bagas Baharudin Baharudin Baharudin , Baharudin Bambang Hartono Cahyani, Erika Dharmawan Triantoro Santoso Difa, Muhammad Anta Dilla Nandya Oksitania Ditta Aulina Bakara Dwi Y, Annisa Eddy S Wirabhumi Elin Novita Eliza Kana Riwu, Keren Mawar Erina Pane Fadel Wildinata, Muhammad Ilham Fayola Fayola Ferdi Irawan Fissabilla Novita Gumintang, Soca Ahmad Halimahtus Sadiah Hendra Gunawan Hendri Dunan I Made Wisnu Adi Jaya Intan Nurina Seftiniara Irawan, Ferdi Kasidi, Bintang Khairudin Lanando Azhari, Muhammad Larakasih, Angra Adinda Lembasi, Krisnanda Meycel Buay Lintje Anna Marpaung Lintje Anna Marpaung Lukmanul Hakim M. Ardiansyah M. Ardiansyah Maharani, Ledina Masir, Shahira Fatiha Melisa Safitri Melisa Safitri Melisa Safitri Muhammad Ade Rafli Muhammad Anta Difa Muhammad Arif Fadli Syahputra Muhammad Arif Fadli Syahputra Muhammad Bagas Baffadol Muhammad Guntur, Muhammad Muhammad Ryan Ridwa Nadia Asmelinda Nadia Asmelinda Namira, Rizki Naura Nisrina P Nisrina P, Naura Nita Yolanda Nurina, Intan Nurul Aini Octanelsha, Berlian Cikka Okta Ainita Okta Ainita Okta Ainita Okta Ainita Panjaitan, Zaen Evendy Putra, Lucky Arijano Augusta Putra, M Farhan Frans Ramadan, Suta Ramadhan, Bintang Giri Recca Ayu Hapsari Rendi Yusuf Rendi Yusuf Rian Haky Pratama Risti Dwi Ramasari Riyan Saputra, Riyan Rosella Setya Cipta Phourtuna S Endang Prasetyawati Salsabila, Adinda Sanjaya, Islan Sianturi, Roberto Aprin Gunawan Sopian, Ryo Martin Sukma, Masayu Nirmala Sukoco SP Suta Ramadan Syifa Mustika Tami Rusli Tami Rusli Wayguna, Candra Wijaya, Bagas Satria Yoga Saputra Alam Yuda, Arya Dwi Yulia Hesti Yunanda, Shopi Yunandar, Shopi Zainab Ompu Jainah Zainab Ompu Zainah Zainudin Hassan Zulfi Diane Zaini