Article Per Year (5 Year)
p-Index From 2020 - 2025
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All Journal Journal of Legal and Cultural Analytics (JLCA)
Fransiska Sinaga
Unknown Affiliation
Law, Crime, Criminology & Criminal Justice

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Legal Responsibility of Debtors for Late Repayment of Loans on the Shopee Application: Perspective of OJK Regulation No.10/PJOK.05/2022 on Information Technology-Based Joint Funding Services Fransiska Sinaga; Debora; Jinner Sidauruk
Journal of Legal and Cultural Analytics Vol. 4 No. 1 (2025): February 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jlca.v4i1.13575

Abstract

This study aims to understand the legal protection and legal responsibility of debtors in online loan agreements on the Shopee platform. This research is a type of normative juridical legal research, using a legislative approach, a conceptual approach, and a sociological approach. The results of this study are as follows: First, the legal protection provided to debtors of Shopee's Peer-to-Peer Lending (P2PL) loans, regulated by OJK, includes regulations governing peer-to-peer lending services, as outlined in Article 41 of PJOK Number 10/POJK 2022. Second, the debtor's responsibility for late loan payments on Shopee is to pay a fine of 5% of the total bill and record a default in the financial information system, which makes it more difficult to access future loans. If the delay continues, Shopee can freeze the debtor's account and involve a debt collector for collection.
Co-Authors Debora Jinner Sidauruk