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All Journal Jurnal Administrasi Terapan
Agustin L.M Rohi Riwu
Universitas Persatuan Guru 1945 NTT
Economics, Econometrics & Finance Social Sciences

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PERLINDUNGAN HUKUM BAGI PENGGUNA JASA PINJAMAN ONLINE (PINJOL) Alvina Adi Puteri; Delorens L.N Bessie; Agustin L.M Rohi Riwu
Jurnal Administrasi Terapan Vol. 4 No. 2 (2025): September
Publisher : P3M Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jat.v4i2.3551

Abstract

The rapid growth of online lending services in Indonesia has raised concerns regarding legal protection for consumers. This study aims to analyze the forms of legal protection available to users of online lending platforms and evaluate the effectiveness of current regulations, particularly Financial Services Authority Regulation (POJK) No. 77/POJK.01/2016 and Law No. 8 of 1999 on Consumer Protection. A qualitative descriptive approach was used in this research.The findings reveal that despite existing regulations issued by the Financial Services Authority (OJK), many illegal online lending platforms continue to operate without proper licenses. As a result, consumers remain vulnerable to fraud, excessive interest rates, and unethical debt collection practices. A significant contributing factor is the general lack of legal awareness among users.This study recommends that consumers use only registered and licensed platforms under OJK supervision. In addition, there is a need for stronger regulatory enforcement and public legal education to ensure better consumer protection and reduce harmful practices in the online lending sector.Keywords: legal protection, online lending, OJK, consumer rights
PERAN ADMINISTRASI DALAM PERLINDUNGAN HUKUM TERHADAP KERUGIAN KONSUMEN PADA TRANSAKSI BRI LINK DI KOTA KUPANG Asti Look; Agustin L.M Rohi Riwu; Arnold Sjah
Jurnal Administrasi Terapan Vol. 4 No. 2 (2025): September
Publisher : P3M Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jat.v4i2.3566

Abstract

The development of digital-based financial services through BRI Link agents has increased public access to banking in Indonesia, especially in areas without direct access to conventional bank branches. However, this convenience is accompanied by legal issues related to consumer losses caused by administrative errors, lack of oversight, or agent misconduct. This study aims to examine the role of administration in providing legal protection for consumers in BRI Link transactions in Kupang City.Using a normative and empirical juridical method with a descriptive-qualitative approach, the study analyzes legal norms, regulations, and practices in the field.The findings reveal that weak administrative supervision, lack of standardized procedures, and limited legal awareness among consumers contribute to unresolved disputes and financial losses. Although Law No. 8 of 1999 on Consumer Protection and other financial regulations exist, their implementation in the context of BRI Link services is not yet optimal.This study recommends improving administrative systems, enhancing public legal literacy, and strengthening supervision by BRI and relevant authorities to ensure fair and effective consumer protection. Keywords: legal protection, administration, BRI Link, consumer rights  
Co-Authors Alvina Adi Puteri Arnold Sjah Asti Look Delorens L.N Bessie