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Journal : Leges Privatae

The Relationship Between Consumer Legal Literacy Level And Dispute Resolution Of Buy Now Pay Later Service Maulidiana, Lina; Renaldy, Rendy; Yoesry, Erni
Leges Privatae Vol. 2 No. 3 (2025): OCTOBER-JOY
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/pkz6np60

Abstract

This study examines the relationship between consumers' level of legal literacy and the effectiveness of dispute resolution in Buy Now Pay Later (BNPL) services in Indonesia. The rapid growth of BNPL has expanded financial access but also generated legal issues such as unilateral contracts, personal data breaches, and unethical debt collection practices. Employing a normative juridical approach, this research analyzes relevant legislation, legal doctrines, and scholarly works, including Law No. 8 of 1999 on Consumer Protection, Law No. 4 of 2023 on the Development and Strengthening of the Financial Sector, Law No. 27 of 2022 on Personal Data Protection, and OJK Regulation No. 22 of 2023. The findings reveal that the lack of consumer legal literacy is a major factor hindering effective dispute resolution, despite the existence of adequate regulatory frameworks. A synergistic approach combining regulatory reform and digital legal-literacy empowerment is essential to help consumers understand their rights, obligations, and available redress mechanisms. Strengthening legal literacy will enhance consumers' bargaining power and promote a fairer, more transparent dispute-resolution system in Indonesia's digital financial sector.
Co-Authors Abadi, Nikmat Aep Saefullah Ai Sumirah Setiawati ainun desmarini Ali Sopian Ani Pujiati Arie Wahyu Prananta Aryani, Gustina Asyhamami, Naufal Fikri As’ad, Ihwana Bahril, Erdi Bambang Sugiharto Chatarina Umbul Wahyuni Chusnunia Chusnunia Dadang Komara Dewi , Ade Sandra Diawati , Prety Dinar Alqadri Dinar Citra Nawangsari Dwi Putri Melati Dwi Putri Melati Dwi Rizkia, Nanda Erdi Bahril Erni Yoesry F.S, Franyco Hendry Farhana Farhana Farhana Franyco Hendry F.S Hafiz, Wahyudin Hendarline Putera Hendra Setiawan Hendra Setiawan Hendri Darma Putra Hendriyan, Dery Henny Saida Flora Heriani Hidayani , Wuri Ratna Idham Idham Idham Idham Idham Ino Susanti Januri Juli Riswandar Kartadinata, Andriansyah Kumala, Brik Kurnia Indriyanti Purnamasari, Kurnia Indriyanti Kusuma, Pramana Adi Lathifah Hanum, Lathifah Ledi Vebriani Ledy Famulia Lenny Nadriana Lenny Nadriana Lidyawati, Anna Lilik Yulianingsih Lilla Puji Lestari Loso Judijanto M Dani Al Bani Haqqi Marina Pakaya Martina Male Maulana, Sandrik Puji Mirwansyah Mirwansyah Mirwansyah, Mirwansyah muhamad rusjana Muhammad Aria Wahyudi Muhammad Lukman Baihaqi Alfakihuddin Muhammad Lutfi Muhammad Lutfi Naufal Fikri Asyhamami Nawangsari, Dinar Citra Nirawati , Resy Nurasiah Nurasiah Nurhayati , Siti Nurhidayati Pamarto, Pamarto Parlin Dony Sipayung Prakasa, Nugraha Medica Pramudita, Rika Pratiwi, Marlia Pujiati , Ani Putera, Hendarline Ratri Ciptaningtyas Rendy Renaldy Rendy Renaldy, S.H., M.Kn.,C.P.Li.,C.P.Arb.,C.P.M.,C.P.C. Reva Adriana Rika Santina Rika Santina, S.H., M.H Rini Oktavera Riski Syandri Pratama Riswandar, Juli Robianti, Masayu Salsabila Mareta Rizal Setia, Wahyu Darma Setyawati , Herni Sri Panca Setyawati Sri Zanariyah Sufa, Siska Armawati Sulis Tia Ningsih Ted Zadmiko Tia Amelia Trisnowati Josiah Wahyudin Hafiz Widhiya Ninsiana, Widhiya Winarsasi, Putri Ayi Winarti, Wiwik Yoesry, Erni