?url_ver=Z39.88-2004&rft_id=2012011050+&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=PENERAPAN+PRINSIP+KEHATI-HATIAN+BAGI+PERUSAHAAN+PEMBIAYAAN+DALAM+PEMBERIAN+PINJAMAN+KREDIT+KEPADA+KONSUMEN+MARKETPLACE+SHOPEE+&rft.creator=Ananda+%2C+Dwi+Kartika+&rft.subject=340+Ilmu+hukum&rft.description=Perkembangan+pada+dunia+situs+berbelanja+online+atau+biasa+disebut+dengan+e-commerce+ini+sangat+cepat.+Salah+satu+e-commerce+yang+banyak+digunakan+oleh+konsumen+adalah+shopee.+Shopee+memiliki+fitur+pembayaran+berupa+Shopee+paylater.+Shopee+paylater+ini+adalah+metode+pembayaran+sama+seperti+kredit+pada+bank+konvensional+tetapi+tanpa+kartu++kredit%2C++dimana++pihak++Shopee++meminjamkan++uang++terlebih++dahulu++kepada+konsumen+yang+hendak+membeli+suatu+barang+dishopee.+Pihak+Shopee+memberikan+syarat+yang+mudah+untuk+mengaktifkan+Shopee+paylater+bagi+seluruh+penggunanya.+Akan+tetapi+kemudahan+tersebut+dapat+menimbulkan+permasalahan+yang+berkaitan+dengan+risiko+kredit+yaitu+gagal+bayar.%0D%0A%0D%0APenelitian+ini+membahas+mengenai+prinsip+kehati-hatian+dalam+perjanjian+kredit+Shopee+paylater.+Metode+penelitian+ini+menerapkan+metode+penelitian+normatif+dengan+menggunakan+pendekatan+perundang-undangan+(statue+approach)+yang+mengkaji+mengenai+hal-hal+yang+bersifat+teoritis%2C+seperti+undang-undang%2C+peraturan+perundang-+undangan%2C+serta+asas-asas+hukum.+Pendekatan+konseptual+(statue+approach)+berkaitan+dengan++analisis++penerapan++prinsip++kehati-hatian++dalam++pemberian++pinjaman++kredit+kepada+konsumen+marketplace+Shopee+melalui+doktrin-doktrin+hukum+maupun+teori+hukum.%0D%0A%0D%0AHasil+penelitian+menunjukkan+bahwa+penerapan+prinsip+kehati-hatian+dalam+pemberian+pinjaman+kredit+dishopee+sudah+mencakup+analisis+5c%2C+yakni+karakter+(character)%2C+kemampuan+(capacity)%2C+modal+(capital)%2C+jaminan%2Fagunan+(collateral)%2C+serta+kondisi+ekonomi++(condition++of++economy).+Namun++demikian%2C+penerapan++prinsip++kehati-hatian+dalam++pemberian++pinjaman++kredit++dishopee++masih++mengalami++beberapa++tantangan%2C+seperti+jaminan+kepastian+hukum+terhadap+debitur+dan+jaminan+perlindungan+keamanan+data+pribadi+debitur.+Dengan+demikian%2C+penerapan+prinsip+kehati-hatian+bagi+perusahaan+pembiayaan+dalam+pemberian+pinjaman+kredit+kepada+konsumen+marketplace+shopee+menjadi+kunci+terwujudnya+transaksi+keuangan+yang+sehat+berlandaskan+hak+dan+kewajiban+para+pihak%2C+baik+debitur+maupun+kreditur.%0D%0A%0D%0AKata+Kunci%3A+Perusahaan+Pembiayaan%2C+Prinsip+Kehati-hatian%2C+Shopee+%0D%0ADevelopments+in+the+world+of+online+shopping+sites+or+what+is+usually+called+e-commerce+are+very+fast.+One+e-commerce+that+is+widely+used+by+consumers+is+Shopee.+Shopee+has+a+payment+feature+in+the+form+of+Shopee+paylater.+Shopee+paylater+is+a+payment+method+similar+to+conventional+bank+credit+but+without+a+credit+card%2C+where+Shopee+lends+money+first+to+consumers+who+want+to+buy+an+item+on+Shopee.+Shopee+provides+easy+conditions+for+activating+Shopee+paylater+for+all+its+users.+However%2C+this+convenience+can+cause+problems+related+to+credit+risk%2C+namely+default.%0D%0A%0D%0AThis+++research+++discusses+++the+++precautionary+++principle+++in+++Shopee+++paylater+++credit+agreements.+This+research+method+applies+normative+research+methods+using+a+statutory+approach+which+examines+theoretical+matters%2C+such+as+laws%2C+statutory+regulations+and+legal+principles.+The+conceptual+approach+(statue+approach)+is+related+to+the+analysis+of+the+application+of+the+precautionary+principle+in+providing+credit+loans+to+Shopee+marketplace+consumers+through+legal+doctrines+and+legal+theory.%0D%0A%0D%0AThe+results+of+the+research+show+that+the+application+of+the+precautionary+principle+in+providing+shopee+credit+loans+includes+5c+analysis%2C+namely+character%2C+capacity%2C+capital%2C+collateral+and+economic+conditions.+.+However%2C+the+application+of+the+precautionary+principle+in+providing+dishopee+credit+loans+still+faces+several+challenges%2C+such+as+guaranteeing+legal+certainty+for+debtors+and+guaranteeing+the+protection+of+the+security+of+debtors'+personal+data.+Thus%2C+applying+the+principle+of+prudence+for+finance+companies+in+providing+credit+loans+to+Shopee+marketplace+consumers+is+the+key+to+realizing+healthy+financial+transactions+based+on+the+rights+and+obligations+of+the+parties%2C+both+debtors+and+creditors.%0D%0A%0D%0AKeywords%3A+Financing+Companies%2C+Prudence+Principle%2C+Shopee%0D%0A&rft.publisher=HUKUM&rft.date=2024-01-16&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F78435%2F1%2FABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F78435%2F2%2FSKRIPSI%2520FULL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F78435%2F3%2FSKRIPSI%2520TANPA%2520BAB%2520PEMBAHASAN.pdf&rft.identifier=++Ananda+%2C+Dwi+Kartika+++(2024)+PENERAPAN+PRINSIP+KEHATI-HATIAN+BAGI+PERUSAHAAN+PEMBIAYAAN+DALAM+PEMBERIAN+PINJAMAN+KREDIT+KEPADA+KONSUMEN+MARKETPLACE+SHOPEE.++HUKUM%2C+UNIVERSITAS+LAMPUNG.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F78435%2F