Article Per Year (5 Year)
p-Index From 2021 - 2026
8.228
P-Index
This Author published in this journals
All Journal Lentera Hukum Jurnal Dinamika Hukum Al-Ahkam Jurnal Penelitian Humaniora Al-Ahwal: Jurnal Hukum Keluarga Islam Jurnal IUS (Kajian Hukum dan Keadilan) Jurnal Hukum IUS QUIA IUSTUM PADJADJARAN Jurnal Ilmu Hukum (Journal of Law) JURISDICTIE Jurnal Hukum dan Syariah Jurisprudence Jurnal Ilmiah Hukum LEGALITY Syntax Literate: Jurnal Ilmiah Indonesia SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam DE LEGA LATA: Jurnal Ilmu Hukum Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada SOEPRA Jurnal Hukum Kesehatan Jurnal Ius Constituendum Sociological Jurisprudence Journal Istawa: Jurnal Pendidikan Islam Awang Long Law Review Istinbath: Jurnal Hukum dan Ekonomi Islam PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Litbang Sukowati : Media Penelitian dan Pengembangan Pena Justisia: Media Komunikasi dan Kajian Hukum JURNAL ILMIAH ADVOKASI JUSTISI Masyarakat Berdaya dan Inovasi JHR (Jurnal Hukum Replik) JURNAL USM LAW REVIEW Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Madani : Indonesian Journal of Civil Society Indian Journal of Forensic Medicine & Toxicology UNISKA LAW REVIEW Journal of Transcendental Law KADARKUM: Jurnal Pengabdian Kepada Masyarakat JHCLS The International Journal of Politics and Sociology Research Jurnal Pengabdian Masyarakat Bestari (JPMB) Jurnal Dedikasi Hukum Journal of Innovation Research and Knowledge Prosiding University Research Colloquium Journal of Sustainable Development and Regulatory Issues Warta LPM SASI Jurnal Muhammadiyah Studies Mouse Jurnal Jurisprudence
Kelik Wardiono
Universitas Muhammadiyah Surakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Control & Systems Engineering 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 Medicine & Pharmacology Nursing Public Health Social Sciences Other

Published : 76 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : JURNAL USM LAW REVIEW

 1 
Legal Protection for Debtors in Online Loan Transactions in the Fintech Era Amada, Fanesa; Kelik Wardiono
JURNAL USM LAW REVIEW Vol. 8 No. 3 (2025): DECEMBER
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v8i3.12975

Abstract

The rapid expansion of financial technology (fintech) lending has widened public access to credit, yet it has also intensified legal concerns related to unequal bargaining power, non-transparent contractual terms, and the vulnerability of specific debtor groups. This study analyzes the legal relationship formed in online loan agreements between student borrowers of UIN Raden Mas Said Surakarta and fintech lending providers, and examines the forms of legal protection available to them. Previous research has primarily focused on regulatory frameworks, leaving a gap in understanding how online loan contracts operate in practice among students as a uniquely vulnerable debtor group. Using a normative juridical method supported by a descriptive qualitative approach, this study employs statutory, conceptual, and case-based analyses, complemented by interviews with student users of peer-to-peer lending services. The findings show that online loan agreements formally meet the validity requirements under Articles 1320 and 1754 of the Civil Code and are legally recognized as electronic contracts under the Electronic Information and Transactions Law. However, the contracts are largely standardized, creating an imbalance of bargaining power that limits student autonomy and increases exposure to high-interest fees, data misuse, and one-sided clauses. Legal protection for debtors is provided through preventive mechanisms—including transparency obligations, personal data safeguards, and financial literacy initiatives—and repressive mechanisms such as civil remedies, OJK complaint processes, and alternative dispute resolution through LAPS SJK. Despite this framework, implementation remains weak due to limited legal awareness and suboptimal fintech supervision. The novelty of this study lies in its contextual analysis of student borrowers, revealing specific contractual vulnerabilities and proposing stronger regulatory enforcement and legal literacy strategies to ensure fair, transparent, and sustainable fintech lending practices.  
Co-Authors Abdul Hakim Absori Absori Agatha Jumiati Aidul Fitiada Azhari Aidul Fitriciada Azhari Amada, Fanesa Andria Luhur Prakoso Anggoro, Purwadi Wahyu Anwar Mujahidin Anwar Mujahidin Apreliyanti, Virra Ervita Arief Budiono Arif Budiono Aya Mohammed Youssef Abd Allah Ayu, Cintia Putri Kusuma Bambang Sukoco Baskoro Tri Pamungkas Budi Winarno Chandra, Rizky Aditya Clarizze Yvoine Mirielle Dewi Iriani Dewi Kusuma Diarti Dianto Dianto Dianto Dianto, Dianto Diatmoko, Tri Eiad Yafi ellectrananda anugerah ash-shidiqqi Em Sutrisna Emovwodo, Silaas Oghenemaro Eny Purwandari Erwin Yudi Prahara Erwin Yudi Prahara, Erwin Yudi Fahmi Fairuzzaman Farid, Achmad Miftah Fauziana, Eni Firmansyah, Ifan Fitrah Hamdani Fitrah Hamdani Fitriani Nur Damayanti Ganindya, Brestiara Gulyamov, Said Gulyamov, Said Saidakhrarovich Harun Harun Hery Dwi Utomo Imaniar Rinanda Ayuningtyas Indah Maulani Isman Isman Isman, Isman Izziyana, Wafda Vivid Kachippa Suvirat Khudzaifah Dimyati Khuzaefah Dimyati Krisanti, Hana Lyandova, Vanka M Junaidi Maimun, Muhammad Halim Marisa Kurnianingsih Marjanah, Iramadya Dyah Marni Marni Mawarni, Wilda Mega Yudha Nur Rokhmah Saptari Mindipurnama Putra, Ijlal Hanif Moh Indra Bangsawan Moh. Indra Bangsawan Mohammad Busjro Muqoddas Mohammad BusjroMuqoddas Muchlison Anis Muh Nashiruddin Muhammad Anas Arifin Muhammad Bayu Saputro Muhammad Nurcholis Alhadi Mukhammad Ali Turdialiev Polatjon Ogli Mutimatun Ni’ami Nanik Rumiati Natangsa Surbakti Naufal Fakhri Ghozali Nur Aida Ikrima Nur Hamidah Irba'ul Khair Nurfauzia, Elita Nadia Nurhaliza, Alfida Aulia Rahma Firdauzy Nuria Siswi Enggarani Odilbek Khazratkulov Prasetyo Utomo, Widhi Pratiwi, Betty Intan Purwadi Wahyu Anggoro Puspita Sari, Arindra Raden Roro Astuti Retno Lestari Rahayu, Istiyawati Rahmi, Anggraita Nur Rajput, Trisha Ramon, Tomás Mateo Restianti, Riza Rina Arum Prastyanti Rina Arum Prastyanti, Rina Arum Rizka Rizka, Rizka Rochman, Saepul Romi Saputra Saepul Rochman Saepul Rochman Said Saidakhrarovich Gulyamov Saptari, Mega Yudha Nur Rokhmah Saputro, Muhammad Bayu Setiyawan, Wahyudi Shofia, Rahma Silaas Oghenemaro Emovwodo Siti Syahida Nurani Siti Zulaekah Sri Darnoto Sri Rejeki Syafirah, Filzah Ilda Syaifuddin Zuhdi Syamsul Hidayat Syifa Rana Tsary Tashya Panji Nugraha Trisno Rahardjo Tsary, Syifa Rana Wafdah Vivid Iziyana Wahyudi Setiyawan Waljinah, Sri Wardah Yuspin Werdany, Kusuma Estu Wibowo, Sugeng Widananda, Clarisa Yafi, Eiad Yuli Kusumawati Yuniar, Siska Zuhdi, Syaifuddin