Tanggung Jawab Hukum Dalam Perjanjian Pinjam Meminjam Uang Secara Online Pada Aplikasi Kredit Pintar

Borrowing and borrowing money online is borrowing and borrowing money directly between creditors and debtors based on information technology. The purpose of this study is to determine the process of lending and borrowing money, the rights and obligations of the parties as well as the applicable regulations, legal responsibility if one of the parties makes a mistake. The research method uses a normative approach, which will examine the legal principles and legal rules of existing regulations relating to money-borrowing agreements. This type of research is descriptive research that aims to describe and provide data as accurately as possible in a systematic, factual and comprehensive manner. The data source is secondary data sourced from the privacy policy, terms and conditions, and the contents of the agreement. The results of this study indicate that the agreement can be implemented if the borrower fulfills the legal requirements of the agreement as stipulated in article 1320 of the Civil Code, namely agreeing that they are binding themselves, the ability to make an engagement, a certain matter, a lawful cause and administrative requirements, namely ID card and account number. on behalf of the borrower, after it is fulfilled, the borrower fills in the personal data that has been provided and an agreement occurs, after the agreement, a legal relationship arises to carry out the rights and obligations of the parties. Legal liability arises because of an error made by one of the parties to the agreement. Errors can be based on default or because of acts against the law