Wijaya, Mohamad Rizky Hadi (2025) PERLINDUNGAN KREDITUR TERHADAP DEBITUR YANG MELAKUKAN WANPRESTASI DALAM PERJANJIAN PINJAMAN ONLINE EASYCASH DITINJAU DARI UNDANG-UNDANG NOMOR 11 TAHUN 2008 TENTANG INFORMASI DAN TRANSAKSI ELEKTRONIK (Studi Kasus di Kampung Telaga Biru Kabupaten Lebak). S1 thesis, Universitas Sultan Ageng Tirtayasa.
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Abstract
Perlindungan hukum bagi kreditur terhadap debitur yang melakukan wanprestasi dalam perjanjian pinjaman online melalui platform Easycash menjadi permasalahan serius di tengah perkembangan teknologi finansial digital. Fenomena di Kampung Telaga Biru menunjukkan bahwa sebagian debitur dengan sengaja tidak melunasi pinjamannya karena merasa aman dari ancaman pidana, bahkan menggunakan aplikasi pinjaman lain untuk menutupi utang sebelumnya. Akibat dari tindakan ini jelas memenuhi unsur wanprestasi sebagaimana diatur dalam Pasal 1243 Kitab Undang-Undang Hukum Perdata, yang menegaskan kewajiban debitur untuk mengganti kerugian apabila tidak memenuhi perikatannya. Wanprestasi yang terjadi meliputi keterlambatan pembayaran, ketidakmauan melunasi pinjaman, hingga penggunaan data pribadi palsu untuk mengajukan pinjaman. Perlindungan hukum bagi kreditur diatur dalam beberapa instrumen hukum. Pasal 1243 KUHPerdata memberikan dasar tuntutan ganti rugi, sedangkan Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik (UU ITE) menegaskan keabsahan kontrak elektronik sebagai bukti sah dalam hubungan hukum daring. Selain itu, Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 dan Nomor 10/POJK.05/2022 mengatur tata cara dan kewajiban penyelenggara layanan pinjam meminjam uang berbasis teknologi informasi, termasuk mekanisme pengawasan terhadap kreditur dan debitur. Meskipun demikian, implementasinya masih lemah karena belum adanya mekanisme penegakan yang efektif, proses hukum yang lamban, dan terbatasnya kewenangan platform fintech seperti Easycash dalam melakukan penagihan langsung. Kondisi tersebut menuntut penguatan regulasi yang memberikan perlindungan seimbang antara kreditur dan debitur, pengawasan lebih ketat oleh OJK, serta penerapan sistem penyelesaian sengketa yang cepat melalui mediasi atau arbitrase berbasis fintech. Selain itu, peningkatan literasi hukum dan keuangan masyarakat diperlukan agar para pengguna memahami konsekuensi hukum dari wanprestasi dalam perjanjian pinjaman online.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Legal protection for creditors against debtors who commit default in online loan agreements through the Easycash platform has become a serious issue amid the rapid development of digital financial technology. The phenomenon in Kampung Telaga Biru shows that some debtors deliberately fail to repay their loans because they feel safe from criminal sanctions, even using other loan applications to cover previous debts. Such actions clearly constitute default as regulated in Article 1243 of the Indonesian Civil Code, which stipulates the debtor’s obligation to compensate for losses if they fail to fulfill their contractual obligations. The forms of default include late payments, refusal to repay, and the use of false personal data when applying for loans. Legal protection for creditors is regulated in several legal instruments. Article 1243 of the Civil Code provides the basis for claims for compensation, while Law Number 11 of 2008 concerning Electronic Information and Transactions (UU ITE) affirms the validity of electronic contracts as legitimate evidence in online legal relations. In addition, the Financial Services Authority Regulations Number 77/POJK.01/2016 and Number 10/POJK.05/2022 govern the procedures and obligations of providers of information technology-based lending services, including supervision mechanisms over creditors and debtors. Nevertheless, implementation remains weak due to the absence of effective enforcement mechanisms, slow legal processes, and the limited authority of fintech platforms like Easycash in carrying out direct debt collection. This condition calls for strengthening regulations that ensure balanced protection between creditors and debtors, tighter supervision by the Financial Services Authority (OJK), and the application of faster dispute resolution systems through fintech-based mediation or arbitration. Furthermore, increasing public legal and financial literacy is necessary so that users understand the legal consequences of default in online loan agreements. | |||||||||
| Subjects: | K Law > K Law (General) | |||||||||
| Divisions: | 01-Fakultas Hukum > 74201-Program Studi Ilmu Hukum | |||||||||
| Depositing User: | Mr Mohamad Rizky Hadi Wijaya | |||||||||
| Date Deposited: | 05 Jan 2026 08:37 | |||||||||
| Last Modified: | 05 Jan 2026 08:37 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/56900 |
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