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Contact Name
Aufa Rizka Azzumi
Contact Email
indexsasi@apji.org
Phone
-
Journal Mail Official
Jumadi@apji.org
Editorial Address
Jalan Raya Ajibarang Km 1 , Kab. Banyumas, Provinsi Jawa Tengah
Location
Kab. banyumas,
Jawa tengah
INDONESIA
Tadhkirah: Jurnal Terapan Hukum Islam dan Kajian Filsafat Syariah
ISSN : 30639522     EISSN : 30638321     DOI : 10.59841
Core Subject : Religion,
TADHKIRAH: Jurnal Terapan Hukum Islam dan Kajian Filsafat Syariah, Jurnal ini ditujukan untuk publikasi artikel ilmiah yang diterbitkan oleh STIKes Ibnu Sina Ajibarang. Jurnal ini menggabungkan terapan hukum Islam dengan kajian filsafat syariah. Melalui artikel-artikelnya, jurnal membahas aplikasi praktis hukum Islam dalam kehidupan sehari-hari serta aspek teoritis dan filosofisnya. Isu-isu yang dibahas mencakup terapan hukum islam dan kajian filsafat syariah. Dengan pendekatan multidisiplin, jurnal ini relevan bagi praktisi hukum Islam, akademisi, dan pembuat kebijakan yang tertarik dalam memahami implikasi hukum dan filsafat syariah dalam konteks kontemporer. Jurnal ini terbit 1 tahun 4 kali (Maret, Juni, September, dan Desember).
Articles 1 Documents
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Perlindungan Hukum bagi Kreditur dalam Perjanjian Utang-Piutang Berbasis Fintech Lending di Indonesia: Perspektif Hukum Perdata dan Hukum Dagang Heriyanto Heriyanto
TADHKIRAH: Jurnal Terapan Hukum Islam dan Kajian Filsafat Syariah Vol. 3 No. 1 (2026): : TADHKIRAH: Jurnal Terapan Hukum Islam dan Kajian Filsafat Syariah
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/tadhkirah.v3i1.445

Abstract

The development of financial technology (fintech lending) in Indonesia has significantly facilitated public access to financing; however, it has also generated various legal issues, particularly concerning the protection of creditors. This study aims to analyze the forms of legal protection available to creditors in loan agreements based on fintech lending from the perspectives of civil law and commercial law in Indonesia. The research employs a normative legal method, utilizing both statutory and conceptual approaches. The findings indicate that legal protection for creditors in fintech lending still faces numerous challenges, particularly regarding the validity of electronic agreements, the risk of default, and the weakness of guarantee mechanisms. Existing regulations, such as the Financial Services Authority Regulation (POJK) concerning information technology-based lending services, have not yet provided optimal legal certainty. Furthermore, the principles of prudence and transparency have not been fully implemented by fintech providers. Therefore, strengthening regulatory frameworks and harmonizing civil law and commercial law are essential to ensure more comprehensive legal protection for creditors. This study is expected to contribute to the development of business law in Indonesia, particularly in responding to the dynamics of the digital economy.

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