PERLINDUNGAN HUKUM TERHADAP PARA PIHAK DALAM PERJANJIAN PAY LATER DI APLIKASI SHOPEE

Abstract

Tulisan dalam studi ini bertujuan untuk memberikan pengetahuan mengenai keabsahan hukum dalam perjanjian Shopee. Serta untuk memberikan pengetahuan mengenai perlindungan hukum untuk kreditur dan debitur dalam layanan pay later. Dengan memakai metode yuridis-normatif melalui pendekatan perundang-undangan. Hasil dari studi ini mengindikasi bahwa perjanjian pay later harus berdasarkan “Peraturan Otoritas Jasa Keuangan Nomor 77 Tahun 2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi” yang merujuk Pasal 1320 “Kitab Undang-Undang Hukum Perdata”. Bentuk perlindungan hukum secara preventif dan represif  bagi debitur, sedangkan bentuk perlindungan hukum bagi kreditur tercantum dalam Pasal 5 “Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan.” Kata Kunci : Bayar Nanti, Debitur, Kreditur, Aplikasi Online, Marketplace. ABSTRACT The paper in this study aims to provide knowledge about the juridical review of pay later agreements as a payment method in e-commerce, especially Shopee. As well as to provide knowledge about legal protection for creditors and debtors in pay later services. By applying the juridical-normative research method through a statutory approach. The results of this study indicate that the pay later agreement must be based on the “Financial Services Authority Regulation Number 77 of 2016 concerning Technology-Based Borrowing-Lending Services” which refers to Article 1320 of the “Civil Code.” The form of legal protection is preventive and repressive for debtors, while the form of legal protection for creditors is stated in Article 5 of Law “Number 21 of 2011 concerning the Financial Services Authority.” Keywords : Pay Later, Debtors, Creditors, Online Applications, Marketplace.