<![CDATA[The development of information technology has given birth to financial innovations such as loans that offer easy access to credit for the community. However, this convenience has also given rise to new legal issues related to the protection of business actors against consumer loan disputes in PT FIF leasing. The aim is to analyze the forms of legal protection available to debtors and creditors in Leasing loan transactions and to analyze the effectiveness of their implementation. This study uses a normative research method with a legislative approach and a conceptual approach. The legislative approach is carried out by examining laws and regulations relevant to loans. So the results of the study are that the protection of business actors against consumer loan disputes in PT FIF leasing is regulated in various laws and regulations. This protection includes aspects of information transparency, prevention of illegal collection practices, dispute resolution, and regulation of interest and fines. However, the effectiveness of the implementation of these regulations still faces several challenges, such as low legal literacy in the community, weak law enforcement, and the persistence of legal loopholes in online lending practices. Further efforts are needed to increase the effectiveness of legal protection for business actors against consumer loan disputes in PT FIF leasing. These efforts can be in the form of increasing legal literacy in society, strengthening law enforcement, and improving existing laws and regulations. Keywords: Legal Protection. Loans, Leasing Perkembangan teknologi informasi telah melahirkan inovasi finansial seperti pinjaman yang menawarkan kemudahan akses kredit bagi masyarakat. Namun, kemudahan tersebut juga memunculkan permasalahan hukum baru terkait perlindungan pelaku usaha terhadap sengketa pinjaman dana konsumen pada leasing PT FIF. Tujuannya untuk menganalisis bentuk-bentuk perlindungan hukum yang tersedia bagi debitur dan kreditur dalam transaksi pinjaman Leasing serta menganalisis efektivitas penerapannya. Penelitian ini menggunakan metode penelitian normatif dengan pendekatan perundang-undangan dan pendekatan konseptual. Pendekatan perundang-undangan dilakukan dengan mengkaji peraturan perundang-undangan yang relevan dengan pinjaman. Maka hasil dari penelitian bahwa perlindungan pelaku usaha terhadap sengketa pinjaman dana konsumen pada leasing PT FIF diatur dalam berbagai peraturan perundang-undangan. Perlindungan tersebut meliputi aspek transparansi informasi, pencegahan praktik-praktik penagihan yang tidak sah, penyelesaian sengketa, dan pengaturan bunga serta denda. Namun, efektivitas penerapan peraturan tersebut masih menghadapi beberapa tantangan, seperti rendahnya literasi hukum masyarakat, lemahnya penegakan hukum, dan masih adanya celah hukum dalam praktik pinjol. Diperlukan upaya lebih lanjut untuk meningkatkan efektivitas perlindungan hukum bagi pelaku usaha terhadap sengketa pinjaman dana konsumen pada leasing PT FIF. Upaya tersebut dapat berupa peningkatan literasi hukum masyarakat, penguatan penegakan hukum, dan penyempurnaan peraturan perundang-undangan yang ada. Kata Kunci : Perlindungan Hukum. Pinjaman, Leasing]]>
Copyrights © 2026
