PERLINDUNGAN HUKUM ATAS HAK KONSUMEN SELAKU DEBITUR TERHADAP LAYANAN PINJAMAN BERBASIS FINANCIAL TECHNOLOGY ( PEER TO PEER LANDING ) DI INDONESIA

This study aims to examine the legal protection of consumer rights as Debtors that use Financial Technology-based (peer to peer Landing) Loans in Indonesia. The formulation of the problem of this study includes three things, namely: how the legal protection of consumer rights as debtors using Financial Technology-based (peer to peer Landing) Loans in Indonesia and what legal remedies are carried out by Debtors using Financial Technology-based Loan services (peer to peer Landing) if their rights as consumers are at stake. This normative research uses a statutory and conceptual approach. The results showed that OJK Regulation number 77 / POJK.01 / 2016 is still not biased in accommodating consumer legal protection, especially Debitors using Financial Technology-based (peer to peer Landing) Loan services because of the widespread cases of the spread of personal data of consumers and other violations in the community. Legal efforts that can be done by debitors as users of Financial Technology-based Loan services (peer to peer Landing) must be done in the FSI first If the dispute resolution in the FSI does not reach an agreement, consumers can settle disputes outside the court or through the court. Settlement of disputes outside the court is carried out through the Alternative Dispute Settlement Institution (LAPS). As for the Dispute Resolution Services at LAPS including Mediation, Adjudication and Arbitration