Analisis Yuridis Pengalihan Hak Tagih (Cessie) dalam Praktik Pinjaman Online Ditinjau dari Perspektif Perlindungan Konsumen

Evita Nursanty Iqbal (IBLAM School of Law)
Gunawan Nachrawi (IBLAM School of Law)

FOCUS: Journal of Social Studies
Vol 7 No 02 (2026): FOCUS: Jurnal Studi Sosial

(This study examines the assignment of receivables (cessie) by online lending platforms (fintech lending) in Indonesia and its implications for consumer protection and digital poverty. The research employs a normative juridical method with statutory and conceptual approaches through a literature review of the Indonesian Civil Code, Consumer Protection Law, and Financial Services Authority regulations. The findings indicate that the practice of cessie in online lending is not specifically regulated, resulting in legal uncertainty, weakened consumer protection, and an increased debt cycle for low-income communities. The study concludes that the government and the Financial Services Authority need to strengthen regulations, supervision, and preventive measures focused on consumer protection to ensure that online lending develops fairly, transparently, and in accordance with economic law principles.