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September 5, 2025International Journal of Law, Crime and Justice

The Implications for Consumer Protection Against Online Loans in the Spotlight of Civil Law

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Authors

SLSilvani Nur Rahmat LukumNKNur Mohamad KasimWDWeny Almoravid Dungga

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Overview

Normative legal analysis highlights weaknesses in regulations of online lending, suggesting stronger consumer protections.

Key Points

  • Weak enforcement of existing laws leads to consumer harm in online lending practices.
  • Current regulations like OJK Regulation and ITE Law fail to effectively protect consumers from illegal loans.
  • Normative legal research assessing existing laws underscores the need for improved consumer education.
  • Stricter oversight and sanctions could foster a safer environment in the online lending market.

Cite This Study

Lukum et al. (2025) studied this question.

synapsesocial.com/papers/68c23a2cb210217d6477ecbdhttps://doi.org/10.62951/ijlcj.v2i2.613
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Also Consider

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  1. 1Indonesia’s Online Loan Challenges: What Legal Actions Can Solve the Most Pressing Issues?2025
  2. 2Consumer Rights in the Fintech Lending Era Amid Legal Challenges of a Borderless World2025
  3. 3Reformulation of Third-Party Protection in Online Loan Collection Provisions2025
  4. 4Legal Protection for Financial Technology Peer to Peer Lending Debtors Against Doxing Actions by Creditors2024
  5. 5Legal Protection for Consumers in Online Transactions: A Case Study of Marketplace Platforms in Indonesia2025