Rahmi, Azmi Aulia. 2020. Consumer Protection In The Use Of Peer To Peer Lending Agreement. Master of Law Sciences Program, Post graduate Program, Lambung Mangkurat University. Main Advisor: Prof. Dr. Abdul Halim Barkatullah, S.Ag., SH, M.Hum., and Counselor: Dr. H. Rachmadi Usman, SH, MH. Pages 104.
ABSTRACT
Keywords: Consumer Protection, Loan-Lending Agreement, P2P Lending.
Type of research used in this study is normative legal research. Research typehis is doctrinal research, and nature of research is prescriptive. The approach used are the statute aprroach and conceptual aprroach. The legal sources used are primary legal materials, secondary legal materials, and tertiary legal materials which are carried out by means of library research. Processing legal material and analyzed qualitatively to draw conclusions about the issues discussed.
From the results of research and discussion of the issues raised, conclusions can be drawn. First, P2P Lending Consumers must get legal protection because in its implementation found a case of default that raises new problems with the ways of billing carried out by the organizer that is not in accordance with the rules of misusing consumer personal data, this makes the rights of consumers not fulfilled in P2P lending, namely the right of consumers to comfort, security, and safety in consuming goods and services, and the right of consumers to be treated or served properly, honestly and without discrimination contained in Article 4 of Law No. 8 of 1999 concerning Consumer Protection. Second, the form of consumer protection P2P lending that uses personal data as collateral is the lender or organizer obliged to maintain the confidentiality of consumer data from the time the data is obtained until the data is destroyed, and the use of any information through electronic media involving personal data must be carried out with the consent of the person concerned unless otherwise stipulated by legislation, in accordance with that contained in Article 26 paragraph (1) of the Republic of Indonesia Law No. 19 of 2016 concerning Amendments to the Law No. 11/2008 concerning Information and Electronic Transactions.