TANGGUNG JAWAB DEBITUR DAN IMPLIKASINYA TERHADAP PRAKTIK PENAGIHAN UTANG PADA SHOPEE PAYLATER

Abstract

The development of technology is now increasingly rapid, one example is online loans that make it easier for consumers to be able to purchase goods without paying in advance or paying later. But behind all these conveniences there are consequences that must be implemented by parties who use these online loan services. This research aims to find out how the debtor's legal responsibility in the engagement and its implications for debt collection practices on shopee paylater. this research uses normative juridical research methods by examining laws, theories, and concepts related to the problems to be studied. The results showed that the debtor has legal responsibilities that must be fulfilled, starting from providing information about the debtor's personal data to shopee honestly, the debtor's responsibility to pay debts for the goods he bought, if the debtor is negligent in carrying out his obligations, the creditor will impose legal sanctions on the debtor. In addition, shopee also brings various implications in debt collection, such as increased ease of access to credit, data-driven collection strategies, the importance of ethics in collection, regulation and legal compliance, the influence of technology in collection, and user education and financial awareness.