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LEGAL PROTECTION FOR LENDERS IN THE EVENT OF FAILURE OF CREDIT INSURANCE CLAIMS ON PEER TO PEER LENDING PLATFORMS

Law Research Review Quarterly · Vol. 12 No. 5 (2026) · hlm. 2942–2970

DOI
10.15294/lrrq.v12i5.48792
ISSN
2716-3415
Terbit
2026-05-27
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

The development of Peer to Peer (P2P) Lending services as part of Information Technology-Based Joint Funding Services (LPBBTI) provides promising investment opportunities, but also contains significant default risks for lenders. In practice, risk mitigation mechanisms through credit insurance are not always effective, especially when claims cannot be realized due to the absence or unclearness of an active policy, thus creating legal uncertainty and weakening the lender's position. This study aims to analyze the lender's legal position in the policy as well as the responsibility of the organizer for the failure of credit insurance claims. This research uses normative legal methods with a statutory and conceptual approach, and is supported by literature studies through relevant primary and secondary legal materials. The results of the study show that the failure of claims is caused by the expiration of the policy agreement and the lack of transparency of information to the lender, which can be qualified as default, unlawful acts, and consumer protection violations. In addition, there is confusion regarding the position of the lender as the aggrieved party when there is a default in making insurance claims, thus limiting the lender's access to insurance protection. This study concludes that the implementation of legal protection for lenders is not optimal, so it is necessary to strengthen supervision, increase transparency, and reconstruct legal relationships in credit insurance schemes to ensure legal certainty and more effective protection for lenders.

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29 penulis · 66 tautan kepenulisan bersama · 4 lintas organisasi

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  • State University of Semarang
  • Université Bourgogne Franche-Comté
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Rekan penulisOrganisasiArtikel bersama
Nurul FibriantiState University of Semarang4
Anis WidyawatiState University of Semarang2
Anggun Meinanda MaharaniState University of Semarang2
Shofriya Qonitatin AbidahState University of Semarang1
Salman AlfarisiState University of Semarang1
Panggih Kusuma NingrumUniversité Bourgogne Franche-Comté1
Windiahsari WindiahsariAfiliasi tidak diketahui1
Isnani IsnaniState University of Semarang1
Anindya ArdiansariState University of Semarang1
Niken Diah ParamitaState University of Semarang1
Muhammad Taher AnshariState University of Semarang1
Moh. Rahmat Rizki RomadhonState University of Semarang1
Ayu Resti Irma SuryaniState University of Semarang1
Julya Paulina SiburianState University of Semarang1
Irawaty IrawatyState University of Semarang1
Rodiyah RodiyahState University of Semarang1
Raphael Bertrand MayakaState University of Semarang1
Martitah MartitahState University of Semarang1
Izzul MunnaState University of Semarang1
Karno RosoAfiliasi tidak diketahui1
Irawaty IrawatyState University of Semarang1
Dani MuhtadaState University of Semarang1
Wara Dyah Pita RenggaState University of Semarang1
Yoris Adi MarettaState University of Semarang1
Amanda SatyawatiState University of Semarang1
Naifa Salma UfairaState University of Semarang1
Ayup Suran NingsihState University of Semarang1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/snh/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">LEGAL PROTECTION FOR LENDERS IN THE EVENT OF FAILURE OF CREDIT INSURANCE CLAIMS ON PEER TO PEER LENDING PLATFORMS</dc:title>
	<dc:creator xml:lang="en">Ningrum, Galuh Prima</dc:creator>
	<dc:creator xml:lang="en">Suprapti, Duhita Driyah</dc:creator>
	<dc:subject xml:lang="en">Consumer Protection</dc:subject>
	<dc:subject xml:lang="en">Credit Insurance</dc:subject>
	<dc:subject xml:lang="en">Peer to Peer</dc:subject>
	<dc:description xml:lang="en">The development of Peer to Peer (P2P) Lending services as part of Information Technology-Based Joint Funding Services (LPBBTI) provides promising investment opportunities, but also contains significant default risks for lenders. In practice, risk mitigation mechanisms through credit insurance are not always effective, especially when claims cannot be realized due to the absence or unclearness of an active policy, thus creating legal uncertainty and weakening the lender's position. This study aims to analyze the lender's legal position  in the policy as well as the responsibility of the organizer for the failure of credit insurance claims. This research uses normative legal methods with a statutory and conceptual approach, and is supported by literature studies through relevant primary and secondary legal materials. The results of the study show that the failure of claims is caused by the expiration of the policy agreement and the lack of transparency of information to the lender, which can be qualified as default, unlawful acts, and consumer protection violations. In addition, there is confusion regarding the position of the lender  as the aggrieved party when there is a default in making insurance claims, thus limiting the lender's access to insurance protection. This study concludes that the implementation of legal protection for lenders is not optimal, so it is necessary to strengthen supervision, increase transparency, and reconstruct legal relationships in credit insurance schemes to ensure legal certainty and more effective protection for lenders.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2026-05-27</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/snh/article/view/2026-05-19</dc:identifier>
	<dc:identifier>10.15294/lrrq.v12i5.48792</dc:identifier>
	<dc:source xml:lang="en">Law Research Review Quarterly; Vol. 12 No. 5 (2026): Special Edition Part 1; 2942-2970 </dc:source>
	<dc:source>2716-3415</dc:source>
	<dc:source>10.15294/lrrq.v12i5</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/snh/article/view/2026-05-19/9911</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Law Research Review Quarterly</dc:rights>
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