Perlindungan Data Pribadi dalam Praktik Penagihan Utang oleh Pihak Ketiga

Muhammad Ridwan Ridwan (Universitas Narotama)
Tanudjaja (Universitas Narotama)

Jurnal Hukum Lex Generalis
Vol 6 No 12 (2025): Tema Hukum dan Hak Asasi Manusia

Online lending constitutes a digital-based financial service that facilitates the provision of loans through online platforms, offering a faster and more accessible process compared to conventional financial institutions. This study aims to analyze the regulatory framework governing illegal online lending and its impact on minors by employing a normative juridical research method. The findings indicate that existing regulations have established legal requirements for registered lending companies; however, violations persist among both licensed and unlicensed entities. Minors are strongly discouraged from accessing online lending services due to legal considerations, consumer protection concerns, financial risks and potential fraud, notwithstanding certain limited benefits related to educational financing.