Peningkatan literasi hukum dalam menghadapi risiko perjanjian digital layanan pinjaman online pada pelaku UMKM di Desa Trucuk Kabupaten Bojonegoro - Gunawan Hadi Purwanto; M. Yasir; Mida Izalia (SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan, 2026)
Abstrak Perkembangan teknologi finansial (financial technology/fintech) di Indonesia telah memberikan kemudahan akses pembiayaan melalui layanan pinjaman online (fintech lending), khususnya bagi pelaku Usaha Mikro, Kecil, dan Menengah (UMKM). Namun, kemudahan tersebut juga menimbulkan berbagai risiko hukum akibat rendahnya pemahaman masyarakat terhadap isi dan konsekuensi perjanjian digital. Pelaku UMKM di Desa Trucuk Kabupaten Bojonegoro masih banyak yang belum memahami hak dan kewajiban dalam perjanjian pinjaman online, perbedaan pinjaman online legal dan ilegal, serta risiko penyalahgunaan data pribadi dan praktik penagihan yang tidak sesuai ketentuan hukum. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk mengoptimalkan literasi hukum pelaku UMKM dalam menghadapi risiko perjanjian digital layanan pinjaman online. Metode yang digunakan berupa penyuluhan hukum melalui pemaparan materi, diskusi interaktif, dan evaluasi pemahaman peserta. Materi yang disampaikan meliputi pengertian dan jenis pinjaman online, dasar hukum pinjaman online di Indonesia, hak dan kewajiban debitur, cara memahami perjanjian digital, serta perlindungan data pribadi. Hasil kegiatan menunjukkan adanya peningkatan peserta terhadap aspek hukum layanan pinjaman online, termasuk kemampuan membedakan pinjaman online legal dan ilegal serta pentingnya kehati-hatian sebelum menyetujui perjanjian digital. Dengan adanya kegiatan ini, pelaku UMKM diharapkan mampu memanfaatkan layanan pinjaman online secara lebih bijak, aman, dan bertanggung jawab guna mendukung keberlangsungan usaha tanpa menimbulkan permasalahan hukum maupun finansial di kemudian hari. Kata kunci: literasi hukum; pinjaman online; fintech lending; UMKM; perjanjian digital. Abstract The development of financial technology (fintech) in Indonesia has provided easier access to financing through online loan services (fintech lending), particularly for Micro, Small, and Medium Enterprises (MSMEs). However, this convenience has also created various legal risks due to the low level of public understanding regarding the contents and legal consequences of digital agreements. Many MSME actors in Trucuk Village, Bojonegoro Regency, still lack understanding of their rights and obligations in online loan agreements, the differences between legal and illegal online lending services, as well as the risks of personal data misuse and improper debt collection practices. This community service activity aims to improve the legal literacy of MSME actors in dealing with the risks of digital agreements in online lending services. The method used was legal counseling through material presentations, interactive discussions, and participant evaluations. The materials presented included the definition and types of online loans, the legal basis of online lending in Indonesia, the rights and obligations of debtors, how to understand digital agreements, and personal data protection. The results of the activity indicated an improvement in participants’ understanding of the legal aspects of online lending services, including the ability to distinguish between legal and illegal online loans and the importance of exercising caution before agreeing to digital contracts. Through this activity, MSME actors are expected to utilize online lending services more wisely, safely, and responsibly in order to support business sustainability without causing legal or financial problems in the future. Keywords: legal literacy; online loans; fintech lending; MSMEs; digital agreements.