ASPEK HUKUM TERHADAP TRANSAKSI PINJAMAN ONLINE
Abstract
Abstract
Online loans are currently being discussed a lot, especially regarding the legality underlying. Where there is no clarity regarding the transaction mechanism and the legal consequences of the achievements made by both parties, and also not a few who end it through criminal law. In this regard, the authors would like to emphasize several legal aspects of this online loan transaction by conducting a normative-empirical legal analysis, using several approaches, including the approach to related laws and regulations, a case study approach related to online loan cases and a comparative approach or comparison to compare loan transactions made online and loan transactions made offline. Because the transaction mechanism is carried out online, this agreement cannot be separated from the principles adopted in civil law as well as the conditions for the validity of an agreement, so that even though online loan transactions are carried out online, they must be subject to applicable laws and regulations. and carry out the process of validating data and information for each party so that in the event of a default by one of the parties it can be resolved without harming one of the parties in the transaction.
Abstrak
Pinjaman Online saat ini sedang banyak diperbincangan terutama mengenai payung hukum yang mendasarinya. Dimana belum ada kejelasan terkait bagaimana mekanisme transaksinya serta bagaimana akibat hukum dari prestasi yang dilakukan oleh kedua belah pihak, dan pula tidak sedikit yang mengakhirinya melalui jalur hukum pidana. Berkaitan dengan hal tersebut, maka penulis ingin menegaskan beberapa aspek hukum terhadap transaksi pinjaman online ini dengan melakukan analisis secara hukum normatif-empiris, dengan menggunakan beberapa pendekatan, antara lain pendekatan peraturan perundang-undangan terkait, pendekatan studi kasus yang berkaitan dengan kasus pinjaman online dan pendekatan komparasi atau perbandingan untuk membandingkan transaksi pinjaman yang dilakukan secara online dan transaksi pinjaman yang dilakukan secara offline. Oleh karena mekanisme transaksi yang dijalankan secara online, maka perjanjian ini tidak terlepas dari prinsip-prinsip yang dianut dalam hukum keperdataan serta yang menjadi syarat sahnya suatu perjanjian, sehingga transaksi pinjaman online tersebut sekalipun dilakukan secara online, namun harus tunduk pada perundang-undangan yang berlaku serta melakukan proses validasi data dan informasi masing-masing pihak sehingga ketika terjadi wanprestasi oleh salah satu pihak dapat diselesaikan tanpa merugikan salah satu pihak dalam transaksi tersebut.
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