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All Journal Yustisia Jurnal Cita Hukum Brawijaya Law Journal : Journal of Legal Studies Jurnal IUS (Kajian Hukum dan Keadilan) Jurnal Daulat Hukum Jurnal Ilmiah Hukum LEGALITY Privat Law Jambura Law Review Indonesian Journal of Advocacy and Legal Services Journal of Law, Society, and Islamic Civilization Acta Law Journal Indonesian Journal of Advocacy and Legal Services Indonesian Journal of Social Sciences and Humanities
Kukuh Tejomurti, Kukuh
Universitas Sebelas Maret
Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Penerapan Asas Restitutio In Integrum Terhadap Pinjaman Online Ilegal Yang Merugikan Masyarakat Wisnu, Aditya; Tejomurti, Kukuh
Journal of Law, Society, and Islamic Civilization Vol 14, No 1: April 2026
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jolsic.v14i1.105158

Abstract

Peer-to-peer lending are one of the fintech services that can affect the stability of the financial system in Indonesia. However, it is ironic that the number of legal peer-to-peer lending lags far behind the number of illegal ones circulating in society. Illegal peer-to-peer lending causes the society to suffer various losses, such as reduced or lost assets due to high interest rates, disruption of personal life due to violations of privacy rights, and damage to the sense of security and protection due to threatening collection practices. According to the principle of restitutio in integrum, a person who suffers losses due to unlawful acts is entitled to restoration of the situation to its original state prior to the violation. In this case, the affected society is entitled to compensation for losses incurred due to illegal peer-to-peer lending activities. Therefore, this study was conducted to determine the liability of illegal peer-to-peer lending for these losses, based on the principle of restitutio in integrum. The research method used to analyze the legal issues is normative/doctrinal legal research, which is prescriptive and applied. This approach uses a statutory and conceptual method based on literature, such as regulations, books, articles, and other sources related to legal issues. According to Djojodirdjo, four elements must be met for this principle to apply: unlawful act (onrechtmatige daad), fault (schuld), damage (schade), and causal connection (oorzakelijk verband). Based on the findings, illegal peer-to-peer lending that detrimental to society may be subject to the principle of restitutio in integrum. The public may sue for compensation for losses incurred due to illegal peer-to-peer lending, in the form of nominal, compensatory, or punitive damages.
Co-Authors Adi Sulistiyono Aditya Wisnu Al amaren, Emad Mohammad Al Mashhour, Omar Farouk Alam, Moch. Zairul Alexandra, Rickra Christy Dwi Budi Santoso Halim, Rohizan binti Hamad, Ahmed M A Hanif Nur Widhiyanti, Hanif Nur Hermawan, Sapto Khafialima Zahra, Rally Nufi Madalina, Maria Mohd. Anuar, Haslinda binti Nadeak, Samuel Hosea Nur Rifqi, Muhammad Raikhan Pati, Umi Khaerah Pranoto Pranoto Pranoto, , Pujiyono Pujiyono Rafi, Al Misky Muhammad Saputra, Michael Rizky Sasmini Sholahuddin Al-Fatih Simanjuntak, Claudia Angelica Simanjuntak, Claudia Angelica Sukarmi Sukarmi, Sukarmi Umi Handayani Wayan Firdaus Mahmudy Widyantari, Padma Winarno Budyatmojo