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Indonesia’s Online Loan Challenges: What Legal Actions Can Solve the Most Pressing Issues?

Jurnal Pengabdian Hukum Indonesia (Indonesian Journal of Legal Community Engagement) JPHI · Vol. 8 No. 1 (2025) · hlm. 275–314

DOI
10.15294/jphi.v8i1.21959
ISSN
2654-8313, 2654-8305
Terbit
2025-08-23
Penerbit
Universitas Negeri Semarang
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-nc/4.0

Abstrak

The rapid growth of online lending platforms in Indonesia has introduced significant challenges, particularly regarding predatory lending practices, lack of consumer awareness, and insufficient regulatory oversight. These challenges have raised concerns about consumer protection, the exploitation of borrowers, and the need for stronger legal frameworks to ensure fair and transparent lending practices. This paper explores the key legal and regulatory actions necessary to address these pressing issues. It examines the role of Indonesia's Financial Services Authority (OJK) in regulating online lenders and proposes potential improvements in licensing, supervision, and enforcement. The paper also suggests the introduction of clearer lending standards, such as interest rate caps and transparent fee structures, alongside stronger consumer protection laws to prevent harassment and over-indebtedness. Data privacy and security concerns are addressed, with a call for more robust protections around borrower data. Additionally, the paper advocates for financial literacy programs to empower borrowers with the knowledge to make informed decisions. The research contributes to the existing body of knowledge by providing an in-depth analysis of the legal gaps within Indonesia’s online lending market, offering comparative insights from other countries like India and the Philippines, and proposing actionable legal solutions. It also emphasizes the importance of integrating technology into the regulatory process to enhance oversight and consumer protection. Ultimately, this study aims to inform policymakers, regulators, and stakeholders in Indonesia’s fintech industry about the necessary legal reforms to create a more transparent, equitable, and secure online lending environment.

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  • Universitas Muhammadiyah Malang
  • Universitas Ahmad Dahlan
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Rekan penulisOrganisasiArtikel bersama
Rosyidi HamzahAfiliasi tidak diketahui8
Ema RahmawatiAfiliasi tidak diketahui4
Eman SuparmanAfiliasi tidak diketahui4
David HardiagoAfiliasi tidak diketahui3
Bambang SutiyosoAfiliasi tidak diketahui2
Dodo Wiradana WiriatmaAfiliasi tidak diketahui2
Kim HyeonsooAfiliasi tidak diketahui2
Ridwan ArifinAfiliasi tidak diketahui2
Maisa MaisaAfiliasi tidak diketahui2
Nina InayatiUniversitas Muhammadiyah Malang1
Dwi Mawan KarifiantoUniversitas Muhammadiyah Malang1
Surizki FebriantoAfiliasi tidak diketahui1
Syafrinaldi SyafrinaldiAfiliasi tidak diketahui1
Uche NnawuleziAfiliasi tidak diketahui1
Jacques KabanoAfiliasi tidak diketahui1
Dorcas Adesola ThanniAfiliasi tidak diketahui1
Mary-Ann Onoshoke AjayiAfiliasi tidak diketahui1
Ardiansyah ArdiansyahUniversitas Ahmad Dahlan1
Jose Gama SantosAfiliasi tidak diketahui1
Ellydar ChaidirAfiliasi tidak diketahui1
Teguh Rama PrasjaAfiliasi tidak diketahui1
Mohd Izzat Bin Mohd Abd ShukurAfiliasi tidak diketahui1
Rani Fadhila SyafrinaldiAfiliasi tidak diketahui1
Mega Ardina PauckAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/JPHI/oai, pertama di-harvest 5 Nov 2026, terakhir terlihat 5 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Indonesia’s Online Loan Challenges: What Legal Actions Can Solve the Most Pressing Issues?</dc:title>
	<dc:creator xml:lang="en">Admiral, Admiral</dc:creator>
	<dc:creator xml:lang="en">Suparto, Suparto</dc:creator>
	<dc:creator xml:lang="en">Kurniasih, Esy</dc:creator>
	<dc:creator xml:lang="en">Afriani, Selvi</dc:creator>
	<dc:creator xml:lang="en">Woodward, John</dc:creator>
	<dc:creator xml:lang="en">Adinda, Fadhel Arjuna</dc:creator>
	<dc:subject xml:lang="en">Online Lending</dc:subject>
	<dc:subject xml:lang="en">Legal Framework</dc:subject>
	<dc:subject xml:lang="en">Consumer Protection</dc:subject>
	<dc:subject xml:lang="en">Regulatory Oversight</dc:subject>
	<dc:subject xml:lang="en">Financial Services Authority (OJK)</dc:subject>
	<dc:description xml:lang="en">The rapid growth of online lending platforms in Indonesia has introduced significant challenges, particularly regarding predatory lending practices, lack of consumer awareness, and insufficient regulatory oversight. These challenges have raised concerns about consumer protection, the exploitation of borrowers, and the need for stronger legal frameworks to ensure fair and transparent lending practices. This paper explores the key legal and regulatory actions necessary to address these pressing issues. It examines the role of Indonesia's Financial Services Authority (OJK) in regulating online lenders and proposes potential improvements in licensing, supervision, and enforcement. The paper also suggests the introduction of clearer lending standards, such as interest rate caps and transparent fee structures, alongside stronger consumer protection laws to prevent harassment and over-indebtedness. Data privacy and security concerns are addressed, with a call for more robust protections around borrower data. Additionally, the paper advocates for financial literacy programs to empower borrowers with the knowledge to make informed decisions. The research contributes to the existing body of knowledge by providing an in-depth analysis of the legal gaps within Indonesia’s online lending market, offering comparative insights from other countries like India and the Philippines, and proposing actionable legal solutions. It also emphasizes the importance of integrating technology into the regulatory process to enhance oversight and consumer protection. Ultimately, this study aims to inform policymakers, regulators, and stakeholders in Indonesia’s fintech industry about the necessary legal reforms to create a more transparent, equitable, and secure online lending environment.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2025-08-23</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/JPHI/article/view/21959</dc:identifier>
	<dc:identifier>10.15294/jphi.v8i1.21959</dc:identifier>
	<dc:source xml:lang="en">Jurnal Pengabdian Hukum Indonesia (Indonesian Journal of Legal Community Engagement) JPHI; Vol. 8 No. 1 (2025): (January-June 2025); 275-314</dc:source>
	<dc:source>2654-8313</dc:source>
	<dc:source>2654-8305</dc:source>
	<dc:source>10.15294/jphi.v8i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/JPHI/article/view/21959/5872</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Admiral Admiral, Suparto Suparto, Esy Kurniasih, Selvi Afriani, John Woodward, Fadhel Arjuna Adinda (Author)</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by-nc/4.0</dc:rights>
</oai_dc:dc>