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All Journal Majelis: Jurnal Hukum Indonesia
Nilam Candri Andini
Unknown Affiliation
Law, Crime, Criminology & Criminal Justice Social Sciences

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Tinjauan Yuridis Polemik Pinjaman Online (Pinjol) sebagai Alternatif Pembayaran SPP dan Uang Kuliah Tunggal (UKT) bagi Mahasiswa Nilam Candri Andini; Nooraini Dyah Rahmawati
Majelis: Jurnal Hukum Indonesia Vol. 2 No. 3 (2025): Agustus : Majelis : Jurnal Hukum Indonesia
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/majelis.v2i3.986

Abstract

This article examines the juridical aspects of online loans (pinjol) as an alternative method for Indonesian students to pay tuition fees (SPP and UKT), with a focus on the partnership between universities and fintech institutions like Danacita. Using normative legal methods and literature analysis, the study finds that while online lending platforms are legally regulated under POJK No. 77/POJK.01/2016, there are still gaps in legal protection for students as consumers. The lack of targeted consumer protection, transparency, and financial literacy raises serious risks of over-indebtedness and academic dropout. This paper calls for more stringent government oversight, improved regulatory enforcement by OJK, and the development of accessible, fair educational financing alternatives.
Co-Authors Nooraini Dyah Rahmawati