CD Skripsi

Pertanggungjawaban Pidana Jasa Pinjaman Online Yang Menimbulkan Tindak Pidana Terhadap Konsumen Pinjaman Online

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ABSTRACT
Online Lending Services are regulated by The Financial Services Authority (OJK) Number 77/POJK/01/2016 concerning Information Technology-Based Borrowing and Borrowing Services. When a customer makes an online loan transaction, the desk collector will fill out the customer’s debt. However not a few of these desk collectors cause criminal acts for their customers, many of their customers are constantly threatened by desk collectors so they feel threatened and are afraid of the threats from the desk collectors. Regarding criminal liability, it is often limited to being borne by third parties. The main issues in this research are: How is law enforcement against Online Loan Services causing criminal acts against consumers of online loans; How is the criminal liability of online loan services that causes criminal acts against consumers of online loans.
The type of research used in this research is normative legal research or it can also be called doctrinal legal research. Normative legal research is library law research. This research is focused on legal principles. The principle of law used in this research is the principle of expediency. The data analysis used in this research is qualitative data analysis which will produce descriptive data.
From the study results, it was concluded that, first, based on the legal analysis conducted, law enforcement has not been fully applied to online loan services as corporations. This is marked by the burden of criminal liability which is only borne by third parties when it should have been the online loan services who will take responsibility However, law enforcement is still minimal, even though Article 53 paragraph (1) of the Financial Services Authority Regulation Number 1/POJK.07/2013 concerning Consumer Protection in the Financial Services Sector has directed this matter. Second, criminal liability so far has only focused on third parties, while online loan services as business entities are not subject to criminal liability. This is because regulations regarding online loan arrangements have limitations in terms of specific rules (lex specialis) which result in online loan service businesses still being able to operate even though the desk collector has committed a crime and has been given a sanction.
Keywords: Criminal Liability – Online Loans – Criminal Acts - Consumers

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Ketersediaan

Informasi Detail

Judul Seri

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No. Panggil

1809112236

Penerbit

Pekanbaru : Universitas Riau – Fakultas Hukum – Hukum Pidana., 2023

Deskripsi Fisik

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Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

1809112236

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

HUKUM PIDANA

Info Detail Spesifik

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Pernyataan Tanggungjawab

DAUS

Versi lain/terkait

Lampiran Berkas

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