Application of the Principle of Good Faith as an Effort to Protect the Law Against Borrowers in Online Lending Practices
DOI:
https://doi.org/10.24252/shautuna.v6i2.57621Keywords:
Legal Protection, Principles of Good Faith, Online LoansAbstract
This study aims to examine the application of the principle of good faith in contractual agreements and to analyze the legal protection afforded to borrowers in online loan transactions under this principle. The core issue addressed is how the principle of good faith is operationalized in digital loan agreements and its implications for borrower protection. Employing a qualitative approach with a descriptive-analytical method, the research investigates legal instruments and practices governing online lending platforms in Indonesia. The findings reveal that the principle of good faith plays a pivotal role in ensuring fairness, transparency, and accountability in online credit transactions. This principle serves as a normative foundation for safeguarding borrowers’ rights, particularly within the framework of the Indonesian Civil Code, Law No. 11/2008 on Electronic Information and Transactions, and Financial Services Authority Regulation No. 6/POJK.07/2022. The study highlights the necessity of reinforcing good faith as a legal instrument to mitigate asymmetrical power relations and promote legal certainty in digital financial services. These findings imply the need for stronger regulatory enforcement and borrower education to foster equitable financial inclusion in the digital era.
References
Anita Sinaga, Niru. “Peranan Asas Itikad Baik Dalam Mewujudkan Keadilan Para Pihak Dalam Perjanjian.” Jurnal Ilmiah M-Progress 8, no. 1 (2021): 47–66. https://doi.org/10.35968/m-pu.v8i1.186.
Dermawan, Ari, and Akmal Akmal. “Urgensi Perlindungan Hukum Bagi Korban Tindak Pidana Kejahatan Teknologi Informasi.” Journal of Science and Social Research 2, no. 2 (2020): 39–46. https://doi.org/10.54314/jssr.v2i2.353.
Disemadi, Hari Sutra, Mochammad Abizar Yusro, and Wizna Gania Balqis. “The Problems of Consumer Protection in Fintech Peer To Peer Lending Business Activities in Indonesia.” Sociological Jurisprudence Journal 3, no. 2 (2020): 91–97. https://doi.org/10.22225/scj.3.2.1798.91-97.
Fitrianto, Bambang. “A Building Ideal Concept Of Application Principles Good Faith in Agreement Law.” Al-Mashlahah Jurnal Hukum Islam Dan Pranata Sosial 10, no. 1 (2022): 459–70. https://doi.org/10.30868/am.v10i01.3481.
Habibunnajar, Rizal. “Problematika Regulasi Pinjam Meminjam Secara Online Berbasis Syariah Di Indonesia (Fintech P2P Lending Syariah).” Fakultas Syariah dan Hukum Universitas Islam Negeri Syarif Hidayatullah Jakarta, 2020.
Hariyana, Trinas Dewi. “Eksistensi Asas Iktikad Baik Dalam Perjanjian Jual Beli Melalui Internet Dengan Sistem Pembayaran Cash on Delivery.” Uniska Law Review 2, no. 2 (2021): 95–118. https://doi.org/10.32503/ulr.v2i2.2287.
Indrasari, Febrina. “Analisis Yuridis Pemenuhan Asas Itikad Baik Dalam Pelaksanaan Perjanjian Kredit Pada Bank Rakyat Indonesia Unit Batealit Cabang Jepara.” UNS (Sebelas Maret University), 2012.
Ismaryadi, Harry, Khairani Khairani, and Yussy Adelina Mannas. “Implementasi Asas Itikad Baik Dalam Pemberian Kesempatan Penyelesaian Pekerjaan Pengadaan Barang Jasa Pemerintah.” Unes Journal of Swara Justisia 7, no. 2 (2023): 680–94. https://doi.org/10.31933/ujsj.v7i2.363.
James Pasaribu, Muldri Pudamo. “Tinjauan Yuridis Terhadap Kedudukan Fintech Yang Tidak Terdaftar Di Otoritas Jasa Keuangan.” Jurnal Ilmiah Penegakan Hukum 8, no. 1 (2021): 49–58. https://doi.org/10.31289/jiph.v8i1.5125.
Kadir, Syahruddin. “Keuangan Terdesentralisasi (DeFi) Dan Teknologi Keuangan (FinTech) Syariah Dalam Sistem Keuangan Abad 21.” Journal of Accounting and Finance (JACFIN) 5, no. 2 (2023): 1–14. https://jurnal.umus.ac.id/index.php/jacfin/article/view/1253.
Niru Anita Sinaga. “Peranan Asas-Asas Hukum Perjanjian Dalam Mewujudkan Tujuan Perjanjian.” Binamulia Hukum 7, no. 2 (2023): 107–20. https://doi.org/10.37893/jbh.v7i2.318.
Novendra, Bayu, and Sarah Safira Aulianisa. “Konsep Dan Perbandingan Buy Now, Pay Later Dengan Kredit Perbankan Di Indonesia: Sebuah Keniscayaan Di Era Digital Dan Teknologi.” Jurnal Rechts Vinding: Media Pembinaan Hukum Nasional 9, no. 2 (2020): 183–201. https://doi.org/10.33331/rechtsvinding.v9i2.444.
Rasmiaty, Mia. “Rekonstruksi Normatif Kontrak Kerja Agen Asuransi Jiwa: Integrasi Nilai Itikad Baik Dalam Praktik Asuransi.” UNES Law Review 6, no. 3 (2024): 8472–83. https://doi.org/10.31933/unesrev.v6i3.1754.
Rohendi, Acep, Asriani Asriani, and Dona Budi and Kharisma. “Regulation for Startups in Indonesia: Problems and Recommendations.” Cogent Business & Management 10, no. 3 (2023): 2276993. https://doi.org/10.1080/23311975.2023.2276993.
Samin, Herol Hansen. “Perlindungan Hukum Terhadap Kebocoran Data Pribadi Oleh Pengendali Data Melalui Pendekatan Hukum Progresif.” Jurnal Ilmiah Research Student 1, no. 3 (2024): 1–15. https://doi.org/10.61722/jirs.v1i3.386.
Santo, Maria Fransiska Owa da, Liani Sari, Anita Kamilah, and Frans Reumi. Pengantar Hukum Perdata: Teori & Referensi Komprehensif Dasar-Dasar Hukum Perdata Di Indonesia. PT. Sonpedia Publishing Indonesia, 2024.
Sinaga, Niru Anita. “Perspektif Force Majeure Dan Rebus Sic Stantibus Dalam Sistem Hukum Indonesia.” Jurnal Ilmiah Hukum Dirgantara 11, no. 1 (2020): 1–27. https://doi.org/10.35968/jh.v11i1.648.
Siregar, Gomgom, and Muhammad Ridwan Lubis. “Juridical Analysis of Religious Blasphemy Crimes Through Smartphone Application Based On The Information and Electronic Transaction.” Journal of Contemporary Issues in Business and Government 27, no. 2 (2021): 1006–12. https://doi.org/10.47750/cibg.2021.27.02.120.
Zein, Subhan. “Tinjauan Yuridis Pengawasan Otoritas Jasa Keuangan Terhadap Aplikasi Pinjaman Dana Berbasis Elektronik (Peer To Peer Landing/Crowfunding) Di Indonesia.” Jurnal Bisnis Dan Akuntansi Unsurya 4, no. 2 (2019): 115–24. https://doi.org/10.35968/jbau.v4i2.338.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Nurharsya Khaer Hanafie, Firmansyah Firmansyah
This work is licensed under a Creative Commons Attribution 4.0 International License.
