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All Journal Buletin Udayana Mengabdi Medical Journal of Indonesia MAJALAH ILMIAH WIDYA Journal of the Indonesian Tropical Animal Agriculture Equilibrium: Jurnal Pendidikan Tarbawi: Jurnal Keilmuan Manajemen Pendidikan SEIKO : Journal of Management & Business Diklat Review : Jurnal manajemen pendidikan dan pelatihan i-Latinnotary Journal: Internasional Journal of Latin Notary Jurnal Al-Kifayah: Ilmu Tarbiyah dan Keguruan MEUSEURAYA : JURNAL PENGABDIAN MASYARAKAT
M. Hatta
FKIK Universitas Tadulako
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemistry Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Social Sciences Other

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Journal : i-Latinnotary Journal: Internasional Journal of Latin Notary

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P2P Lending: Legal Framework for Electronic Contracts Hatta, M.; Susanto, Anthon F.; Narsudin, Udin
International Journal of Latin Notary Vol. 5 No. 2 (2025): Internasional Journal of Latin Notary, March 2025
Publisher : Magister Kenotariatan Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61968/journal.v5i2.103

Abstract

This study examines Peer-to-Peer (P2P) Lending, a form of financial technology (Fintech) that directly connects lenders and borrowers through digital platforms, eliminating the traditional role of banking intermediaries. The research aims to address two key legal questions: How do electronic contracts protect the parties, and how does the electronic contract become valid and binding in P2P lending? This study employs a combination of literature review and fieldwork, utilizing secondary and primary data collected through document analysis and interviews. The data were analyzed using a juridical-qualitative method. The findings show that conventional civil law generally regulates contracts, but does not explicitly address the nature and enforcement of electronic contracts. Legal protection in digital loan agreements is established through the principles of digital governance, particularly regarding the rights, obligations, and liabilities of the parties. An electronic contract is considered valid when the essential elements of a contract are fulfilled and supported by a verifiable electronic signature, under widely accepted legal and technological standards. The study concludes that while existing contract law provides a general foundation, digital transactions require adaptive legal interpretations to ensure enforceability, accountability, and user protection in the evolving digital financial ecosystem.
Co-Authors ., Saidang A. Ako A. Ni’mahtul Churriyah Alvitriyanti, Devi Anthon F. Susanto, Anthon F. Anwar Anwar Arif Efendi A.S. Asri Ahram Efendi, Asri Ahram Baharuddin Baharuddin Bukhari Bukhari Busa, Yunus Busra Bumbungan, Busra D.P. Rahardja Dumula, Nasri H. Aidil Fitri H. Hasbi H.L. Smith Henk L. Smits L. Chairuddin L. Chairudin L M. Sabir Maruddin, F. Mohtar Kamisi, Mohtar Muhammad Amin Narsudin, Udin Nuha, Uli Rahman Rahman Rahman, A.A. Rosnaini Daga Rusman, Haerusman Setiawan Setiawan Subairi, Agus Suparman . Taufiq Taufiq Utamy, R.F. V.S. Lestari Zulfikar Zulfikar