Problematika dan efektivitas kebijakan pengawasan pinjaman online ilegal di Indonesia dalam perspektif hukum kebijakan ekonomi
Keywords:
Illegal online lending, law economic policy, consumer protection, fintech, regulationAbstract
The rapid development of digital financial technology has increased the use of online lending services in Indonesia. However, the ease of access has also led to the rise of illegal online lending platforms operating without official authorization and causing various social harms, including excessive interest rates, misuse of personal data, and intimidating debt collection practices. This study aims to analyze the problems in supervising illegal online lending, examine the effectiveness of government policies in addressing the issue, and review the matter from the perspective of economic policy law. The research employs a normative juridical method using statutory and conceptual approaches. Data were collected through library research involving laws and regulations, academic journals, and relevant legal literature. The findings indicate that the supervision of illegal online lending in Indonesia remains ineffective due to low public digital literacy, weak inter-agency coordination, limited law enforcement capacity, and technological developments that progress faster than existing regulations. Therefore, stronger regulations, legal harmonization, enhanced digital supervision, and consumer protection are necessary to establish a fair and secure digital financial system.
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