DOI:
https://doi.org/10.30742/PENITI-BANGSA.v3i22025.691Keywords:
Kata Kunci : Dampak, Pinjaman Online, Perlindungan KonsumenAbstract
Online Loans or peer to peer lending is a form of financial technology (fintech) where the existence of online loans is a form of technological progress that offers convenience and flexibility for consumers in accessing loans. However, this convenience also has a negative impact on consumers, namely the collection of payments that make them uncomfortable because extortion, intimidation and even terror often occur. The behavior of several individuals in online loan services is considered to violate the provisions of Article 29 paragraph 1 and Article 30 of Law No. 39 of 1999 concerning Human Rights. In addition, Law No. 8 of 1999 concerning consumer protection states that the public as consumers have the right to legal protection. Various regulations from the government including POJK No. 77 / POJK 01/2016 concerning peer lending and SEOJK No. 18 / SEOJK.01 / 2017 concerning management and governance of information technology risks related to information technology-based money lending services are considered to still not effectively protect consumer interests and their protection. So this problem becomes urgent to be socialized to the community in the form of legal counseling that the service team has carried out at partner locations.This legal counseling was carried out at the RT Hall. 02, RW. 05 Babatan Pilang, Kel. Babatan, Kec. Wiyung, Surabaya City which raised the theme of the Impact of Online Loan Problems and Protection for Consumers.This legal socialization aims to make the wider community understand the problems that are currently trending in society where legal socialization will provide many significant benefits as a preventive measure so that people at the counseling location understand the impact of online loans so that they can avoid these problems.The findings from the legal socialization explain that the majority of people still do not understand the impact of online loans so that with this legal socialization, there is high enthusiasm from the participants, especially when entering the question and answer session. The legal socialization carried out by the assistants increases public understanding through the delivery of material from legal socialization activities
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