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State Responsibility in Protecting Women from the Trap of Online Loans: A Legal Analysis of the Consumer Protection Law and the ITE Law Neri Tarigan, Luri
Jurnal Multidisiplin Sahombu Vol. 5 No. 04 (2025): Jurnal Multidisiplin Sahombu, May - Juny (2025)
Publisher : Sean Institute

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Abstract

Women are one of the most vulnerable groups to become victims of illegal online loans. The study aims to analyze the state's responsibility in protecting women from the trap of illegal online loans, with a focus on the legal protection aspects regulated in the Consumer Protection Law and the Electronic Information and Transactions Law. The study also identifies the role of policies and regulators in creating a fair protection system, and provides recommendations for strengthening legal protection for women in the online lending sector. The research method uses a normative legal approach, by analyzing applicable laws and regulations and related literature that supports the analysis of women's protection. The results of the study show that although there are regulations governing consumer protection, implementation in the field is still weak, and many women are trapped in illegal online loans which are not only financially detrimental but also have psychological impacts. The state's responsibility in this case includes strengthening law enforcement against illegal online loans, increasing financial and digital literacy among women, and protecting personal data. The study suggests the importance of collaboration between the government, private sector, and society to create a safer and more equitable environment for women in dealing with illegal online loans. Research reveals the importance of strengthening the role of policy and regulators in realizing a more effective protection system, especially by implementing more targeted education and literacy programs.
Legal Policy in Preventing Economic Exploitation of Women through Online Loans Based on Gender Justice Neri Tarigan, Luri
Jurnal Multidisiplin Sahombu Vol. 5 No. 5 (2025): Jurnal Multidisiplin Sahombu, July - August (2025)
Publisher : Sean Institute

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Abstract

The rapid growth of online loans in recent years has offered quick and accessible financial solutions to the public, including women. However, this convenience comes with significant risks, particularly economic exploitation of women who often face barriers in accessing financial information and education. This study aims to analyze existing legal policies in preventing such exploitation through a gender justice approach. The objective is to identify gaps in current regulations, including limited access to information, inadequate legal protection, and the lack of gender-sensitive principles in policymaking. Using a qualitative approach, this research explores the socio-economic vulnerabilities of women in the online lending context and emphasizes the need for improved regulatory frameworks. The findings reveal that current legal instruments fall short in addressing gender-based disparities and fail to provide adequate safeguards for women borrowers. The study recommends policy enhancements focusing on strengthening financial literacy, improving oversight of online lending practices, and embedding gender justice principles into the regulatory structure. Additionally, it highlights the crucial roles of government, financial institutions, and community organizations in building a protective and empowering ecosystem for women. The conclusion underscores the importance of policies that are responsive to women's socio-economic conditions and promote equitable financial access. By advancing inclusive and gender-responsive legal reforms, the study aims to foster a safer and more just financial system that protects and empowers women in the digital lending landscape.