PERLINDUNGAN HUKUM TERHADAP DEBITUR DALAM PERJANJIAN LAYANAN FINANCIAL TECHNOLOGY DI APLIKASI RUPIAH PLUS

Abstract

ABSTRAK
The case of the Rupiah Plus platform that stirred the virtual world because there were service users who
experienced late payments. When collecting collections, the collector does not only contact the person
concerned, but other phone numbers listed in the service user's smartphone contact that are not listed in the
emergency contact will embarrass the service user about the incident. This billing also uses violence and
threats that frighten others. Problem Formulation: (1) legal protection for debtors in the Financial
Technology service agreement in the Rupiah Plus loan application? (2) The steps that have been set by the
Financial Services Authority (OJK) in protecting Debtors related to the Financial Technology service
agreement in the Rupiah Plus loan application? This type of research uses sociological legal research. The
data sources used are secondary data consisting of primary, secondary, and tertiary legal materials. The
data collection technique used document study and the data were analyzed qualitatively. The results of the
study (1) the existence of illegal companies is a common concern, so that the handling and eradication of
them is through the Investment Alert Task Force which is a combination of 13 institutions and agencies. (2)
the efforts made by the organizers and regulators towards the protection of personal data are to focus on
P2P lending actors who are obliged to protect data related to consumers.
Keywords: Financial, Technology, Consumer, Authority, Service, Finance