Jurnal Ilmu Kepolisian
Vol 20 No 1 (2026): Jurnal Ilmu Kepolisian Volume 20 Nomor 1 Tahun 2026

Juridical Analysis of Default Disputes in Online Loan Agreements under the Indonesian Civil Code

Febriana, Asyri (Unknown)
Utary, Baiq Ishariaty Wika (Unknown)
Idrus, Nabain (Unknown)



Article Info

Publish Date
29 Apr 2026

Abstract

The development of electronic transactions has created ambiguity in the mechanisms for resolving disputes arising from breaches of contract (wanprestasi) in online lending agreements. This study aims to analyse the juridical basis for resolving breach of contract disputes based on the Civil Code (KUHPerdata). The method used is normative juridical, with a statutory and literature approach. The results of the study indicate that online agreements remain valid under Article 1320 of the Civil Code and possess binding legal force; therefore, breaches of contract can be legally enforced. However, the digital nature of online lending agreements presents its own challenges, particularly in terms of dispute resolution mechanisms. The novelty of this research lies in analysing the relationship between the characteristics of electronic agreements and the models of dispute resolution for breach of contract. This study contributes by providing a more specific juridical framework as a basis for the development of practices and policies in resolving disputes arising from online agreements.

Copyrights © 2026






Journal Info

Abbrev

JIK

Publisher

Subject

Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

Description

The Police Science Journal is an academic journal for police science studies, published by the Indonesian Police Sccience College - PTIK. The Police Science Journal contains several studies and reviews of scientific disiciplines related to Police Science, namely Law, Social Sciences, Sociology, ...