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Journal : Legal Spirit

Konstruksi Perjanjian Finansial Teknologi Pembiayaan Multiguna Shopee Pay Later Pada E-Commerce Shopee Indonesia Qomariyah, Lailatul; Fitriyah, Mas Anienda Tien
Legal Spirit Vol 7, No 2 (2023): Legal Spirit
Publisher : Pascasarjana Ilmu Hukum, Universitas Widya Gama Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/ls.v7i2.4627

Abstract

The convenience provided by online loans has a risk if the debtor fails to pay, especially since there is no guarantee in this online loan system. This, of course, will be disastrous for creditors. Shopee Pay Later, one of the marketplace-based online loan providers from the Shopee application, provides loans for users through the distribution of multipurpose financing online without collateral. This research uses a normative-juridical method. The SPayLater multipurpose financing agreement, literature studies, and laws and regulations are the data sources. Conceptual and statutory approaches become the basis for further qualitative analysis, which is explained descriptively and analytically so as to obtain systematic results and conclusions related to the problems studied. Based on the findings of this research, the P2PL fintech financing agreement has been legally regulated in Financial Services Authority Regulation No. 10/POJK. 05/2022 concerning information technology-based money lending and borrowing services (LPBBTI). The SPayLater multipurpose financing agreement has been made in accordance with applicable legal provisions and fulfils the legal requirements of the agreement. This financing agreement forms a legal relationship between the creditor and the debtor. The service provider only acts as an intermediary for the creditor in selecting prospective debtors and resolving disputes internally so that the parties can immediately fulfil their respective obligations.
Co-Authors A.Fatikhul Amin Abdullah, A.Fatikhul Amin Aang Kunaifi Abda Abda Abdul Qodir Achmad Dwitama Karisma Adam Ibrahim, Faishol Mahmud Adi Soeprijanto Afan Hamzah, Afan Agustin, Dayriqoh Ahmad Zulfikar Ali Ahya', Akhmad Sauqi Ahya, Ahmad Sauqi Ahya, Akhmad Sauqi Ahya’, Akhmad Sauqi Akhmad Farid Al Hayaza, M. Iqbal Alamsyah, Wisnu Tansya Trisna Alrasid Alfarisi, Achmad Hasan AlGhifari, Husain Ali Altway Ali Mahsun Ali Maskur, Muhammad Aljauhari, Ahmad Khusnul Umam Alkamalia, Andini Nabila Andesra, Zel Anggraini Karditiawati Anisa, Lia Rizqi Nur Apri Arisandi Arifin, Rizal Ariga Bahrodin Asriana kibtiyah Aulia, Anisa Fatma Cahyani, Budiato Dahlina, Dahlina Danawati Hari Prajitno Dewi Indah Sari, Dewi Indah Dian Pratiwi Erna Sulistyowati Fadhilah, Lailatul Fadli Hidayat, M. Noer Faisal Mubarak Faizal, Doddy Fariza, Dita Sari Rofi’u Fatah, Muhammad Ghoni Abdillah Fauziyah, Naily Fitriyah, Mas Anienda Tien Hanif, Nafis Fauzul Hidayatullah, Wasil Humaira Fadhilah Ibrahim, Faishol Mahmud Adam Ika Suswanti Ilahiyah, Iva Inayatul Ilahiyah, Iva Inyatul Inayah Inayah Inayah Inayah Indra Kurniawan Inggri Dwi Rahesi Ismahayati, Dewi Jepri Nugrawiyati Jojok Dwiridotjahjono Kalloka, Sultan Hendra Mahardi Kurniawati, Novia Indah Laily Masruroh, Laily Lily Pudjiastuti, Lily Luthfi Hakim Luthfiyatul Mustafidah Ma'muroh, Ma'muroh Maharani, Karlina Dewi Mahbubah, Surotul Mahmoud, Mustafa Farouq Abdul-Aaleem Maimon Sumo Mamluatul Hasanah Maskanah, Siti Naharul Masruroh, Sayidah Afyatul Ma’suq, Ahmad Tarajjil Melady, Dian Muhammad Ahsanul Husna Muhammad Ridho Muhammad Zulfikar Adha Mulkis, Ismi Malika Mustafidag, Luthfiya Musyarrofah, Musyarrofah Mu’at, Mu’at MZ, Isniyatun Niswah Najahah, Umdatun Ni'mah, Mamluatun Niniek Fajar Puspita, Niniek Fajar Niswah MZ, Isniyatun Niswah, Isniyatun Nur Kuswanti Nuritasari, Fetty Nurlaili Humaidah, Nurlaili NURUL FAIZAH Patriolika, Erika Putra, Nicky Rahmana Rabbani, Sulthan Rafiudin, Asep Ratnawati, Mamik Ririn Probowati, Ririn Rohanah, Rohanah Romlah, St RR. Ella Evrita Hestiandari Salim, Sulaiman Salsabila, Fina Fathiya Satriani Satriani Sa’adah, Khofifatus Setyabudi, Mohammad Arif Siti Rofiah Sucipto Sulfa, Indana Suprapto Suprapto SYAIFUL BAHRI Syarif Hidayatullah Tamim Mulloh Taufiqurrahman Taufiqurrahman Tri Nur Fauziyah, Tri Nur Trisanti, Warlinda Eka Umam, Muhammad Khairul Wazis, Kun Widiyati, Evita Wildan Nafi'i Yulia Yulia Zabrina, Diva Zainul Hidayah Zayyadi, Moh Zenyta, Zenyta Zuchrillah, Daril Ridho