?url_ver=Z39.88-2004&rft_id=2012011302&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=ANALISIS+YURIDIS+AKIBAT+PERBUATAN+MELAWAN+HUKUM+%0D%0ADALAM+LAYANAN+PINJAMAN+ONLINE+%0D%0A&rft.creator=MAYDA++%2C+ALYANI&rft.subject=340+Ilmu+hukum&rft.subject=346+Hukum+privat%2C+hukum+perdata&rft.description=Dalam+konteks+layanan+pinjaman+online+hubungan+hukum+antara+debitur+dan+kreditur+sangat+penting+mengenai+transparasi%2C+asas+keseimbangan+dan+asas+kewajaran.+Namun+dengan+adanya+ketidakseimbangan+dalam+membebankan+bunga+dan+biaya+layanan+yang+tinggi+kepada+debiturnya+dapat+mengakibatkan+perbuatan+melawan+hukum.+Permasalahan+dalam+penelitian+ini+mengenai+1).+akibat+perbuatan+melawan+hukum+yang+dilakukan+penyelenggara+dalam+kewajaran+penerapan+biaya+layanan+serta+biaya+suku+bunga+dalam+layanan+pinjaman+online%2C+2).+peran+OJK+dalam+pengawasan+pinjaman+online+dan+3).+akibat+hukum+bagi+OJK+sebagai+penyelenggara+dan+debitur+pengguna+pinjaman+online+setelah+adanya+putusan+kasasi+Mahkamah+Agung+No.+1206+K%2FPdt%2F2024.+%0D%0APenelitian+ini+menggunakan+jenis+penelitian+normatif+dengan+tipe+penelitian+deskriptif+analisis.+Pendekatan+masalah+dalam+penelitian+ini+adalah+pendekatan+perundang-undangan+statute+approach.+Metode+pengumpulan+data+yang+digunakan+dalam+penelitian+ini+adalah+studi+kepustakaan.+Serta+analisis+data+yang+digunakan+merupakan+analisis+kualitatif.+%0D%0AHasil+penelitian+dan+pembahasan+ini+menunjukan+bahwa+pelaksanaan+pinjaman+online%2C+sebagaimana+kasus+ini+terjadi+pada+pinjaman+online+telah+melakukan+perbuatan+melawan+hukum+yang+menyebabkan+kerugian+konsumen+atas+kelalaian+penyelenggara+terhadap+regulasi+yang+telah+diatur+oleh+OJK.+Selain+itu+penyelenggara+dapat+dijatuhi+gugatan+tuntutan+kerugian+karna+terdapat+pihak+yang+merasa+dirugikan+dalam+hal+ini+konsumen.+Sehingga+sangat+penting+untuk+dilakukan+upaya+pengawasan+kepada+pelaku+usaha+dan+OJK+juga+telah+menghormati+putusan+kasasi+MA+No.+1206+K%2FPdt%2F2024+dengan+melakukan+surat+peringatan%2C+penonaktifkan%2C+atau+menutup+akses+pelaku+terhadap+layanan.+Serta+akibat+hukum+yang+timbul+dari+tindakan+tesebut%2C+OJK+diharapkan+dapat+memperkuat+regulasi+dan+memelihara+pengawasan+pinjaman+online+dan+akibat+hukum+bagi+masyarakat+dapat+dilakukan+uji+kelayakan+keuangan+dalam+pengajuan+pinjaman.%0D%0AKata+Kunci%3A+Perjanjian%2C+Perbuatan+Melawan+Hukum%2C+Pinjaman+Online+%0D%0AIn+the+context+of+online+loan+services%2C+the+legal+relationship+between+debtors+and+creditors+is+very+important+regarding+transparency%2C+the+principle+of+balance+and+the+principle+of+fairness.+However%2C+the+imbalance+in+charging+high+interest+and+service+fees+to+debtors+can+result+in+unlawful+acts.+The+problems+in+this+study+are+1).+the+consequences+of+unlawful+acts+committed+by+the+organizer+in+the+fairness+of+the+application+of+service+fees+and+interest+rates+in+online+loan+services%2C+2).+the+role+of+OJK+in+supervising+online+loans+and+3).+legal+consequences+for+OJK+as+an+organizer+and+online+loan+user+debtors+after+the+Supreme+Court+cassation+decision+No.+1206+K%2FPdt%2F2024.%0D%0AThis+research+uses+normative+research+with+descriptive+analysis+type.+The+problem+approach+in+this+research+is+the+statute+approach.+The+data+collection+method+used+in+this+research+is+literature+study.+And+the+data+analysis+used+is+qualitative+analysis.%0D%0AThe+results+of+this+research+and+discussion+show+that+the+implementation+of+online+loans%2C+as+this+case+occurs+in+online+loans%2C+has+committed+a+tort+that+causes+consumer+losses+due+to+the+negligence+of+the+organizers+of+the+regulations+that+have+been+regulated+by+the+OJK.+In+addition%2C+the+organizer+can+be+sued+for+damages+because+there+are+parties+who+feel+harmed+in+this+case+consumers.+So+it+is+very+important+to+make+efforts+to+supervise+business+actors+and+OJK+has+also+respected+the+Supreme+Court+cassation+decision+No.+1206+K%2FPdt%2F2024+by+conducting+warning+letters%2C+deactivating%2C+or+closing+the+perpetrator's+access+to+services.+As+well+as+the+legal+consequences+arising+from+these+actions%2C+OJK+is+expected+to+strengthen+regulations+and+maintain+supervision+of+online+loans+and+the+legal+consequences+for+the+community+can+be+carried+out+financial+feasibility+tests+in+applying+for+loans.%0D%0AKeywords%3A+Agreement%2C+Unlawful+Act%2C+Online+Loan+%0D%0A&rft.publisher=FAKULTAS+HUKUM&rft.date=2024-12-20&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F81164%2F1%2F1.%2520ABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F81164%2F2%2F2.%2520SKRIPSI%2520FULL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F81164%2F3%2F3.%2520SKRIPSI%2520TANPA%2520PEMBAHASAN.pdf&rft.identifier=++MAYDA+%2C+ALYANI++(2024)+ANALISIS+YURIDIS+AKIBAT+PERBUATAN+MELAWAN+HUKUM+DALAM+LAYANAN+PINJAMAN+ONLINE.++FAKULTAS+HUKUM%2C+UNIVERSITAS+LAMPUNG.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F81164%2F