Deptor Legal Protection Default Under the Agreement Online Loan

The choice of transactions or digital trading patterns, especially e-commerce, will trigger behavioral changes due to changes in systems and lifestyles. Changes in the behavior of sellers and buyers are largely determined by the business ethics and morals of each party. Information technology-based lending and borrowing services or fintech lending is one of the products from Fintech that brings together creditors and debtors through electronic systems or information technology. The research method used is a The law is regarded as a norm, rule, principle, or dogma in the normative juridical approach. The doctrinal approach/research or normative legal research is another name for the normative juridical approach. A literature study (review of the literature) is used in the normative juridical research phase, but interviews can be conducted to complete the literature study if necessary. The results of the research model of legal protection that can be applied include a. financial guard in the form of insurance for creditors; b. Guarantee Protection in intangible assets, namely the resident registration number; c. Protection at the time of the agreement; and D. criminal sanctions adopted from UU-ITE for its implementation in POJK.