Pentingnya Kesadaran Hukum Masyarakat Terhadap Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi (Pinjaman Online)
DOI:
https://doi.org/10.31316/jk.v6i3.4118Abstract
Abstrak
Pinjam meminjam uang secara online adalah pinjam meminjam uang secara langsung antara kreditur dan debitur berbasis teknologi informasi. Tujuan dari penelitian ini untuk mengetahui proses perjanjian pinjam meminjam uang, hak dan kewajiban para pihak serta peraturan yang berlaku, tanggung jawab hukum jika salah satu pihak melakukan kesalahan. Metode penelitian menggunakan pendekatan normatif, dimana akan meneliti asas-asas hukum dan kaidah-kaidah hukum dari peraturan yang ada yang berkaitan dengan perjanjian pinjam meminjam uang. Sumber data adalah data sekunder yang bersumber dari kebijakan privasi, syarat dan ketentuan, serta isi perjanjian. Hasil penelitian ini menunjukkan bahwa perjanjian dapat terlaksana apabila peminjam memenuhi syarat sahnya perjanjian yang diatur dalam pasal 1320 KUH Perdata yaitu sepakat mereka yang mengikatkan dirinya, kecakapan untuk membuat suatu perikatan, suatu hal tertentu, suatu sebab yang halal dan syarat administrasi aetelah terpenuhi maka peminjam mengisi data diri yang telah disediakan dan terjadi kesepakatan, setelah adanya kesepakatan maka timbul hubungan hukum untuk melaksanakan hak dan kewajiban para pihak. Tanggung jawab hukum muncul karena adanya kesalahan yang dilakukan oleh salah satu pihak yang melakukan perjanjian. Kesalahan bisa didasarkan karena wanprestasi atau karena perbuatan melawan hukum.
Kata Kunci: Perjanjian Pinjam Meminjam Uang, Tanggung Jawab Hukum
References
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