Image of Perlindungan Hukum terhadap Seseorang yang Dijadikan Emergency Contact Secara Sepihak di Aplikasi Pinjaman Online yang Terlegalisasi Oleh Otoritas Jasa Keuangan (OJK) (studi Empiris Pada Masyarakat di Kota Pekanbaru)
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Perlindungan Hukum terhadap Seseorang yang Dijadikan Emergency Contact Secara Sepihak di Aplikasi Pinjaman Online yang Terlegalisasi Oleh Otoritas Jasa Keuangan (OJK) (studi Empiris Pada Masyarakat di Kota Pekanbaru)

In the current era full of digitalization, all needs can be met with information technology. In addition, the financial sector has experienced a significant shift from conventional to digitalization. This is done to improve performance, reduce calculation or audit errors, and optimize transaction processes. In online loan applications in recent years, creditors have required debtors to include an emergency contact as the party the creditor will contact regarding delays in installment payments. However, in its implementation, debtors do not include valid emergency contacts and even search for emergency contacts unilaterally. The formulation of the problem in this research is how to provide legal protection for someone who is made an emergency contact unilaterally in a loan application that is legalized by the Financial Services Authority (OJK) (Empirical Study of Communities in Pekanbaru City) based on Law no. 21 of 2011? and What are the obstacles for the Financial Services Authority (OJK) in the lending process in applications that are legalized by the Financial Services Authority (OJK) (Empirical Study of Communities in Pekanbaru City)? This research method, the type and nature of the research is Observational Research, which is carried out by means of a survey, namely by going directly to the research location. The writing of this research is descriptive in nature, that is, research that is intended to provide detailed, clear and systematic analysis. Legal protection for Unilateral Emergency Contact in Loan Applications Legalized by the Financial Services Authority (OJK) is clearly regulated in statutory regulations, but debtors and creditors do not heed the existing regulations. The loan agreement agreed between the debtor and creditor must comply with Article 1320 of the Civil Code. The obstacles experienced by the Financial Services Authority (OJK) in the process of borrowing in applications legalized by the Financial Services Authority (OJK) so far are apart from the efforts previously explained. He said that there were obstacles for debtors when making loans using applications that had been legalized by The Financial Services Authority (OJK) when registering, however, debtors do not use personal data and use other people's names when registering on the application. However, due to these obstacles, debtors continue to register accounts without the knowledge of other people the debtors use.

Availability
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Ilmu Hukum (Fakultas Hukum) Hukum 332.3 And p
247630
Available but not for loan - ETD
Detail Information
Call Number
Hukum 332.3 And p
Language
Indonesia
NPM
201010043
Publisher
Ilmu Hukum : Universitas Islam Riau.,
Keyword(s)
Legal Protection
Financial Services Author
Emergency Contact
Other Information
Petugas
Uthi Kurnia
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