| dc.description.sponsorship | This study aims to understand the legal protection
and legal responsibility of debtors in online loan agreements on the Shopee platform. This research
is a type of normative juridical legal research, using a legislative approach, a conceptual approach, and
a sociological approach. The results of this study
are as follows: First, the legal protection provided to debtors of Shopee's Peer-to-Peer Lending (P2PL) loans, regulated by OJK, includes regulations governing peer-to-peer lending services, as outlined in Article 41 of PJOK Number 10/POJK
2022. Second, the debtor's responsibility for late
loan payments on Shopee is to pay a fine of 5% of
the total bill and record a default in the financial
information system, which makes it more difficult
to access future loans. If the delay continues,
Shopee can freeze the debtor's account and involve
a debt collector for collection. | en_US |
