Shopeepay later in Indonesia: Navigating credit and payment issues in digital markets
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Published:
Jan 30, 2024
Keywords:
Law, Marketplace, Paylater, Payment
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Articles
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Abstract
This research seeks to comprehend ShopeePay Later credit in Indonesian laws and regulations and examine the dispute resolution mechanism for Financial Technology Peer to Peer Lending using ShopeePay Later. The normative juridical and economic law approach analyzes applicable laws and regulations, statistical data, case studies, and economic literature. Legal hermeneutic analysis interprets and applies legal documents to ShopeePay Later. The research shows that ShopeePay Later must follow Indonesian law and economics, including payment failure and sanctions. According to Law no. 30 of 1999, legal protection for users of this service is divided into preventive and repressive forms, with an emphasis on preventive measures and preparation of effective dispute resolution mechanisms like Alternative Dispute Resolution (APS).
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How to Cite
Ali, B., Doing, M., & Fitriani, F. (2024). Shopeepay later in Indonesia: Navigating credit and payment issues in digital markets. Journal of Law Science, 6(1), 60-69. https://doi.org/10.35335/jls.v6i1.4456
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Razak, A., Muhtar, M. H., Bloks, S. A., & Saragih, G. M. (2023). Balancing Civil and Political Rights: Constitutional Court Powers in Indonesia and Austria. Journal of Indonesian Legal Studies, 8(2), Article 2. https://journal.unnes.ac.id/sju/index.php/jils/article/view/70717
Sinaga Budiman, N. P. D. (2005). Hukum Kontrak dan Penyelesaian Sengketa dari Prespektif Sekretaris. Raja Grafindo Persada.
Sutedi, A. (2008). Tanggung jawab produk dalam hukum perlindungan konsumen. Ghalia Indonesia.
Tendiyanto, T. (2021). Pelanggaran Penyelenggara Peer To Peer (P2P) Lending Financial Technology Ilegal Terhadap Debitur. Logika?: Jurnal Penelitian Universitas Kuningan, 12(01), 85–93. https://doi.org/10.25134/logika.v12i01.4040
Utami, T. T. (2020). Rechtvakum Dalam Penyelesaian Pinjaman Gagal Bayar Pada Pinjaman Online Di Indonesia. Jurnal Rechstvinding, BPHN Kementrian Hukum dan Hak Asasi Manusia. https://rechtsvinding.bphn.go.id/jurnal_online/RECHTVAKUM%20DALAM%20%20PENYELESAIAN%20PINJAMAN%20GAGAL%20BAYAR%20PADA%20PINJAMAN%20ONLINE%20DI%20INDONESIA.pdf
Wafa, A. K. (2020). Tinjauan Hukum Ekonomi Syariah terhadap Shopeepay Later. Jurnal Hukum Ekonomi Syariah, 4(01), Article 01. https://doi.org/10.26618/j-hes.v4i01.3588
Assegaf, Z. Z. (2019). TINJAUAN HUKUM ISLAM TERHADAP PRAKTIK UTANG PIUTANG MELALUI MEDIA ONLINE (Studi di Aplikasi Pinjam Yuk) [PhD Thesis, UIN Raden Intan Lampung]. http://repository.radenintan.ac.id/7930/1/Skripsi%20Zainab%20Zalfa%20asegaf.pdf
Fitriadi, M., & Subanar, S. D. (2017). Kedudukan Otoritas Jasa Keuangan terhadap Perusahaan Modal Ventura Asing dalam Melakukan Pembiayaan Secara Langsung di Indonesia. Jurnal Penelitian Hukum Gadjah Mada, 1(2), 77–86. http://download.garuda.kemdikbud.go.id/article.php?article=959417&val=14753&title=KEDUDUKAN%20OTORITAS%20JASA%20KEUANGAN%20TERHADAP%20PERUSAHAAN%20MODAL%20VENTURA%20ASING%20DALAM%20MELAKUKAN%20PEMBIAYAAN%20SECARA%20%20LANGSUNG%20DI%20INDONESIA
Ghani, E. N. R. & A. M. bin A. (2017). AKAD JUAL BELI DALAM PERSPEKTIF FIKIH DAN PRAKTIKNYA DI PASAR MODAL INDONESIA. Al-’Adalah, 12(2), Article 2. https://doi.org/10.24042/adalah.v12i2.214
Gobel, R. T. S., Muhtar, M. H., & Putri, V. S. (2023). Regulation And Institutional Arrangement Of Village-Owned Enterprises After The Work Creation Era Applied. Jurnal Pamator?: Jurnal Ilmiah Universitas Trunojoyo, 16(1), Article 1. https://doi.org/10.21107/pamator.v16i1.19135
Harahap, T. K., Prayuti, Y., Latianingsih, N., Damanik, A., Maheni, T., Farida, I., Muhtar, M. H., & Mustaqim. (2023). PENGANTAR ILMU HUKUM. Penerbit Tahta Media. https://tahtamedia.co.id/index.php/issj/article/view/255
Hariyani, I. (2010). Prosedur Mengurus HAKI Yang Benar. Pustaka Yustisia.
Hariyani, I. (2018). PERLINDUNGAN HUKUM DAN PENYELESAIAN SENGKETA BISNIS JASA PM-TEKFIN. Jurnal Legislasi Indonesia, 14(3), Article 3. https://doi.org/10.54629/jli.v14i3.136
Harun, A. A., Puluhulawa, F. U., ElFikri, N. F., & Moha, M. R. (2023). Indonesian Mining Regulations Shift as a Potential Sector in Developing the Economy. Jurnal Pamator?: Jurnal Ilmiah Universitas Trunojoyo, 16(2), Article 2. https://doi.org/10.21107/pamator.v16i2.20114
J, S. (2006). Hukum Perlindungan Konsumen di Indonesia. Citra Aditya Bakti. https://scholar.google.com/scholar?hl=en&as_sdt=0%2C5&q=Hukum+Perlindungan+Konsumen+di+Indonesia&btnG=
Lup?a-T?taru, D. A., Nichifor, E., Dovleac, L., Chi?u, I. B., Todor, R. D., & Br?tucu, G. (2023). Buy Now Pay Later—A Fad or a Reality? A Perspective on Electronic Commerce. Economies, 11(8), Article 8. https://doi.org/10.3390/economies11080218
Media, K. C. (2020, Mei 6). Lemahnya Regulasi Pemerintah Terkait Praktik Pinjaman Online Halaman all. KOMPAS.com. https://nasional.kompas.com/read/2020/05/06/14452211/lemahnya-regulasi-pemerintah-terkait-praktik-pinjaman-online
Media, K. C. (2022, Juli 17). Mudah, Ini Syarat dan Cara Mengaktifkan Shopee Paylater Halaman all. KOMPAS.com. https://money.kompas.com/read/2022/01/17/140400126/mudah-ini-syarat-dan-cara-mengaktifkan-shopee-paylater
Muhtar, M. H., Kasim, N. M., & Suryani, I. (2023). The Role and Impact of Local Sharia Regulations in Indonesia’s Constitutional Law (a Study of Characteristics Sharia Local Regulations) | TSAQAFAH. https://ejournal.unida.gontor.ac.id/index.php/tsaqafah/article/view/8717
Napitupulu, S. K., Rubini, A., Khasanah, K., & Rachmawati, A. (2017). Kajian perlindungan konsumen sektor jasa keuangan: Perlindungan konsumen pada fintech. Departemen Perlindungan Konsumen Otoritas Jasa Keuangan Republik Indonesia.
OJK. (t.t.). Lembaga Alternatif Penyelesaian Sengketa. Diambil 21 November 2023, dari https://www.ojk.go.id/id/kanal/edukasi-dan-perlindungan-konsumen/pages/lembaga-alternatif-penyelesaian-sengketa.aspx
OJK. (2020). Peran Otoritas Jasa Keuangan (OJK) dalam Mengawasi Maraknya Pelayanan Financial Technology (Fintech) di Indonesia. Jurnal Magister Hukum Udayana (Udayana Master Law Journal), 9(3), 559–574. https://ojs.unud.ac.id/index.php/jmhu/article/download/62675/36828
Puluhulawa, J., Muhtar, M. H., Towadi, M., Swarianata, V., & Apripari. (2023). The Concept of Cyber Insurance as a Loss Guarantee on Data Protection Hacking in Indonesia. Law, State and Telecommunications Review, 15(2), Article 2. https://doi.org/10.26512/lstr.v15i2.44206
Purwanto, H. (2011). Keberadaan Asas Rebus Sic Stantibus dalam Perjanjian Internasional. Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada, 0, Article 0. https://doi.org/10.22146/jmh.16160
Razak, A., Muhtar, M. H., Bloks, S. A., & Saragih, G. M. (2023). Balancing Civil and Political Rights: Constitutional Court Powers in Indonesia and Austria. Journal of Indonesian Legal Studies, 8(2), Article 2. https://journal.unnes.ac.id/sju/index.php/jils/article/view/70717
Sinaga Budiman, N. P. D. (2005). Hukum Kontrak dan Penyelesaian Sengketa dari Prespektif Sekretaris. Raja Grafindo Persada.
Sutedi, A. (2008). Tanggung jawab produk dalam hukum perlindungan konsumen. Ghalia Indonesia.
Tendiyanto, T. (2021). Pelanggaran Penyelenggara Peer To Peer (P2P) Lending Financial Technology Ilegal Terhadap Debitur. Logika?: Jurnal Penelitian Universitas Kuningan, 12(01), 85–93. https://doi.org/10.25134/logika.v12i01.4040
Utami, T. T. (2020). Rechtvakum Dalam Penyelesaian Pinjaman Gagal Bayar Pada Pinjaman Online Di Indonesia. Jurnal Rechstvinding, BPHN Kementrian Hukum dan Hak Asasi Manusia. https://rechtsvinding.bphn.go.id/jurnal_online/RECHTVAKUM%20DALAM%20%20PENYELESAIAN%20PINJAMAN%20GAGAL%20BAYAR%20PADA%20PINJAMAN%20ONLINE%20DI%20INDONESIA.pdf
Wafa, A. K. (2020). Tinjauan Hukum Ekonomi Syariah terhadap Shopeepay Later. Jurnal Hukum Ekonomi Syariah, 4(01), Article 01. https://doi.org/10.26618/j-hes.v4i01.3588
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