Suci Kamilah
Universitas Airlangga

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The Legality of Debt Agreement Via Whatsapp Messages wildan arif; Suci Kamilah; Renaldy Afriyanto
Jurnal Jurisprudence Vol 11, No 2 (2021): Vol. 11, No.2, Desember 2021
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jurisprudence.v11i2.16889

Abstract

Objective: This paper analyzes and studies the legal power of debt agreements through WhatsApp messagesMethodology: This research methods was juridical normative to analyze constitutional regulations or other legal sources that concern the legal basis of agreements. It uses a practical approachResults: The results showed that the debt agreement has fulfilled the required elements to make an agreement valid. It is a type of written agreement; thus, it can become written legal evidence in civil law trials in IndonesiaPurpose: The chat messages via WhatsApp indicate the creation of debt may become a piece of evidence in court. It is categorized as evidence of a written agreement. There are five kinds of evidencing instruments according to civil law procedures in Article HIR/284 RBG that is amended into Article 1866 of the Civil Law, namely written evidence, witness evidence, presupposition, confession, and oath. Thus, in the case of the debt agreement via WhatsApp messages, that message is categorized as a written agreement. It must be printed and legalized according to the legal stipulations.WhatsApp is a social media application. Thus, it is categorized as a shred of evidence in court according to Article 5 clause (1) of the Law No. 11 of 2008 on Electronic Information and Transaction as changed into the Law No. 19 of 2016 on the Change of the Law No. 11 of 2008 on Electronic Information and Transaction.Novelty/Originality: The debt agreement via application whatsap was categorized a new legal event. The most significant novelty value from the results of this research is the legal status of new debt agreement methods, namely the debt agreements through WhatsApp messages. Whatsapp was a social media. the agreement through the WhatsApp messages is legally valid so long as it fulfills the requirements of an agreement as stipulated in Article 1320 BW and that the agreement is categorized as a written agreement. Thus, it contains legal consequences if a party violates that agreement. This agreement is still valid even without a piece of evidence in the form of an authentic letter, as an authentic letter is a deed letter that can be divided into an authentic deed (Authentiek) and underhand deed (Onderhands).
Analisis Faktor Perlindungan Konsumen Dalam Urgensi Pembentukan Undang-Undang Pinjaman Online (Peer To Peer Lending) Helena Toshely Sasmita; Suci Kamilah; Rina Irsni Wardodo; Thody Daniel Satya Wira Wicaksana
Media Iuris Vol. 5 No. 1 (2022): MEDIA IURIS
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/mi.v5i1.27733

Abstract

AbstractFinancial Technology (Fintech) is currently developing in Indonesia. This is due to the development of increasingly advanced and sophisticated technology and the presence of fintech types of peer-to-peer lending that offer loans easily and quickly. The purpose of this study is to examine and analyze consumer protection factors in the urgency of establishing an online lending law (peer-to-peer lending). This type of research uses normative legal research methods, with a statutory approach and a conceptual approach. Various problems in the use of online loan services (fintech), including in terms of interest rate transparency, misuse of consumer personal data by lending companies, and collection methods that are not following legal rules, while in Indonesia the legal basis for online loan services is only accommodated by POJK No. 77/POJK.01/2016 which has not been able to fully accommodate all aspects of consumer protection such as the mechanism for monitoring online loan services, guarantees for consumer protection for the use of online loan services, and regulations regarding operating permits for fintech peer to peer lending. With the establishment of the online loan law, it is hoped that it will provide legal certainty for consumers in using online loan services today.Keywords: Consumer Protection; Constitution; Financial Technology.AbstrakFinancial Technology (Fintech) saat ini sedang berkembang di indonesia. Hal ini dikarenakan perkembangan teknologi yang semakin maju dan canggih serta kehadiran fintech jenis peer to peer lendingyang menawarkan pinjaman dengan mudah dan cepat. Tujuan penelitian ini adalah untuk mengkaji dan menganalisis faktor-faktor perlindungan konsumen dalam urgensi pembentukan undang-undang pinjaman online (peer to peer lending). Jenis Penelitian ini menggunakan metode penelitian hukum normatif, dengan pendekatan peraturan perundang-undangan (statute approach) dan pendekatan konseptual (conseptual approach). Berbagai permasalahan dalam penggunaan layanan pinjaman online (fintech) diantaranya adalah dari segi transparasi suku bunga, penyalahgunaan data pribadi konsumen oleh perusahaan pemberi pinjaman serta cara penagihan yang tidak sesuai dengan aturan hukum, sedangkan di Indonesia dasar hukum layanan pinjaman online hanya diakomodasi oleh POJK No. 77/POJK.01/2016 yang belum dapat sepenuhnya mengakomodasi seluruh sisi perlindungan konsumen seperti mekanisme pengawasan layanan pinjaman online, jaminan perlindungan konsumen atas penggunaan layanan pinjaman online dan aturan mengenai izin operasi fintech peer to peer lending. Dengan dibentuknya Undang – Undang pinjaman online diharapkan dapat memberikan kepastian hukum bagi konsumen dalam penggunaan layanan pinjaman online saat ini.Kata Kunci: Perlindungan Konsumen; Undang-Undang; Fintech.