Pertanggungjawaban Hukum Para Pihak Perjanjian Elektronik P2P Lending dalam Kasus Pembobolan Dana Kredit Shopee Paylater

Belva Rajendra; Kukuh Tejomurti

doi:10.62383/majelis.v3i1.1510

Authors

Belva Rajendra Universitas Sebelas Maret
Kukuh Tejomurti Universitas Sebelas Maret

DOI:

https://doi.org/10.62383/majelis.v3i1.1510

Keywords:

Account Hacking, Consumer Protection, Contract of Adhesion, Civil Liability, LPBBTI

Abstract

The development of technology-based peer-to-peer financing services (LPBBTI) in Indonesia, including platforms like Shopee Paylater, has facilitated easier access to credit. However, this progress is accompanied by cybersecurity risks, such as unauthorized use and account breaches. This study aimed to (1) analyze the operation of LPBBTI under prevailing regulations, and (2) examine the legal liability of parties in cases of Shopee Paylater credit breaches.The study employed a normative legal approach with prescriptive characteristics, combining statutory, conceptual, and case-based analyses. Primary and secondary legal materials were obtained through literature review of Law No. 8 of 1999, POJK No. 10 of 2022, POJK No. 40 of 2024, and personal data protection regulations. The analysis was conducted descriptively and qualitatively. The findings indicate that, despite OJK regulations, Shopee Paylater’s electronic agreements still contain standard clauses that unilaterally shift all account security risks to users. This practice potentially violates Article 18(1)(a) of the Consumer Protection Law and is void under Article 18(3). Consequently, consumers remain liable for payments even if transactions are conducted illegally by third parties. In line with Article 19 of the Consumer Protection Law, service providers should assume liability, as system security is under their control.

Downloads

Download data is not yet available.

References

Akbar, H. V., Novianty, R. R., Fathia, Z., Saputra, D., & Wirdaningsih, W. (2025). Analisis perlindungan hukum bagi konsumen pengguna layanan paylater dalam industri fintech di Indonesia. Prosiding Hang Tuah Pekanbaru, 333-341. https://doi.org/10.25311/prosiding.Vol2.Iss1.131

Amiroh, F. (2025). Urgensi pengaturan paylater sebagai produk keuangan digital: Perspektif hukum perbankan. Al-Zayn: Jurnal Ilmu Sosial & Hukum, 3(6), 8863-8872.

Artha, B., Sari, U. T., Sari, N. P., Khairi, A., & Suhartini, T. (2023). Keuangan digital: Suatu studi literatur. Entrepreneurship Bisnis Manajemen Akuntansi (E-BISMA), 84-91. https://doi.org/10.37631/ebisma.v4i1.626

Azi, S., Desy Priatni, R. R., Pujiati, I., Wijaya, A., Rahmani, A. D., Gumanti, J., … Ruslina, E. (2024). Peran UU ITE dalam regulasi e-commerce di era digital. Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP), 5(1). https://doi.org/10.38035/jihhp.v5i1.2900

Baihaqi, H. (2024). Warga Cirebon jadi korban pencurian data pribadi untuk paylater toko online. Bisnis.Com.

Binamulia, B. (2022). Perlindungan data konsumen pengguna fintech dari serangan hacker dan malware. Jurnal Hukum UNKRIS, 10(2), 145-160. https://ejournal.hukumunkris.id/index.php/binamulia/article/view/377

Cadavid-Gómez, H. D., Cano, J. A., & Sánchez-Torres, J. A. (2025). Corner stores as community hubs: A systematic review of public health, economic impact, and social dynamics in urban areas. Frontiers in Nutrition, 12, 1526594. https://doi.org/10.3389/fnut.2025.1526594

Cheng, X., & Huo, J. (2025). Adoption of buy now, pay later (BNPL): A time inconsistency perspective. Journal of Theoretical and Applied Electronic Commerce Research, 20(2), 81. https://doi.org/10.3390/jtaer20020081

CV, S. K., & Agrawal, R. (2024). Developing customer convenience and experience through increased competency and efficiency: A strategic approach to retail operations mastery. Heliyon, 10(16). https://doi.org/10.1016/j.heliyon.2024.e36395

Dianta, D. (2023). Urgensi penegakan hukum e-commerce di Indonesia: Sebuah tinjauan yuridis. Arus Jurnal Sosial dan Humaniora, 3(1), 1-14. https://doi.org/10.57250/ajsh.v3i1.173

Engkolan, C. B., Fernando, R., & Nyandra, R. I. (2023). Perlindungan hukum terhadap pihak debitur dalam perjanjian pinjam meminjam layanan Shopee Paylater. Jurnal Hukum, 20(1), 285-291.

Eniasih, N. L., & Dantes, K. F. (2025). Implementasi ketentuan Pasal 18 Undang-Undang Nomor 8 Tahun 1999 tentang perlindungan konsumen terkait penggunaan klausula eksonerasi pada bukti transaksi barang di Kota Singaraja. Jurnal Ilmu Hukum Sui Generis, 5(2). https://doi.org/10.23887/jih.v5i2.5052

Fajar, S. I. J., Baskoro, T. P., Arama, H., Rasyidin, S. N. A., & Rachmalia, D. A. (2024). Analisis kontrak baku dalam perspektif asas keseimbangan hak dan kewajiban. Indonesian Journal of Law, 1(12), 332-339.

Febrian, F., Saputra, I. Y., & Napitupulu, D. R. (2025). Implikasi hukum terhadap perlindungan data pribadi dalam transaksi fintech. Rechtsnormen Jurnal Komunikasi dan Informasi Hukum, 4(1), 21-30. https://doi.org/10.56211/rechtsnormen.v4i1.1153

Hasanah, U. (2024). Tinjauan hukum terhadap pelaksanaan perjanjian kredit Shopee Pay Later berdasarkan hukum positif Indonesia. Unram Eprint Jurnal.

Huda, N., Ayu, D., & Septya, R. (2025). Dampak regulasi batas maksimum manfaat ekonomi pinjaman daring. Policy Brief Center of Economic and Law Studies (CELIOS), Jakarta.

Juwita, K. (2025). Kesenjangan regulasi dan tanggung jawab hukum dalam penyelenggaraan layanan buy now pay later di Indonesia. Al-Zayn: Jurnal Ilmu Sosial & Hukum, 3(6), 8817-8827.

Loomis, M., & Cockayne, D. (2024). A feminist approach to fintech: Exploring "Buy Now, Pay Later" technologies. Journal of Cultural Economy, 18(1), 15-33. https://doi.org/10.1080/17530350.2024.2323692

Martadikusuma, A. D. (2025). Perlindungan hukum bagi konsumen dalam transaksi buy now pay later (BNPL) di Indonesia: Tinjauan regulasi dan praktik bisnis. Al-Zayn: Jurnal Ilmu Sosial & Hukum, 3(2), 489-504. https://doi.org/10.61104/alz.v3i2.1062

Oktaviani, N. I., Hermawan, R. P., & Utami, C. R. (2024). Tinjauan hukum terhadap perlindungan konsumen dalam layanan Shopee Pay Later. Jurnal Ilmiah Penelitian Mahasiswa, 2(6), 01-10. https://doi.org/10.61722/jipm.v2i6.481

Pattipeilohy, A. M., Satory, A., & Mahipal, M. (2025). Analisis kesadaran hukum konsumen Paylater atas data pribadi berdasarkan Undang-Undang No. 27 Tahun 2022 tentang perlindungan data pribadi. Arus Jurnal Sosial dan Humaniora, 5(3), 4001-4007. https://doi.org/10.57250/ajsh.v5i3.1845

Permata, S., & Haryanto, H. (2022). Perlindungan hukum terhadap pengguna aplikasi Shopee Pay Later. Krisna Law: Jurnal Mahasiswa Fakultas Hukum Universitas Krisnadwipayana, 4(1), 33-47. https://doi.org/10.37893/krisnalaw.v4i1.13

Priyono, E. A. (2019). Berlindungan hukum terhadap konsumen dalam perjanjian e-commerce. Diponegoro Private Law Review, 3(1).

Putra, K. S. W. (2024). Kedudukan para pihak dalam aktivitas fintech peer-to-peer lending di Indonesia. Jurnal Analisis Hukum, 7(1), 60-69. https://doi.org/10.38043/jah.v7i1.5121

Sitompul, M. G. (2018). Urgensi legalitas financial technology (Fintech): Peer to peer (P2P) lending di Indonesia. Jurnal Yuridis Unaja, 1(2), 68-79. https://doi.org/10.35141/jyu.v1i2.428

Subagja, G., Ihdalumam, A., & Vidiati, C. (2025). Peluang dan tantangan fintech di Indonesia. PANUNTUN (Jurnal Budaya, Pariwisata, dan Ekonomi Kreatif), 2(1), 16-23. https://doi.org/10.61476/5dwyra32

Sulubara, S. M., & Iskandar, I. (2024). Regulasi dan lisensi mengenai perlindungan hukum investor di platform fintech peer-to-peer lending dalam hukum konvensional. Jurnal Hukum, Politik dan Ilmu Sosial, 3(4), 431-442. https://doi.org/10.55606/jhpis.v3i4.4499

Untu, C. G. (2024). Wanprestasi dalam sistem Paylater pada kegiatan transaksi elektronik di Indonesia. LEX ADMINISTRATUM, 12(4).

Wibawa, S. S., & Suryono, A. (2024). Analisis asas keseimbangan dalam syarat dan ketentuan layanan PT Commerce Finance bagi penerima pinjaman. Jembatan Hukum: Kajian Ilmu Hukum, Sosial dan Administrasi Negara, 1(2), 177-185. https://doi.org/10.62383/jembatan.v1i2.254

Yayasan Lembaga Konsumen Indonesia. (2022). Laporan tahunan pengaduan konsumen sektor jasa keuangan. Jakarta: YLKI.

Yora, N. O. (2025). Perlindungan hukum terhadap konsumen dalam praktik penyalahgunaan fitur kredit (Paylater) melalui aplikasi Shopee menurut Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen. Universitas Islam Riau.