PERLINDUNGAN HUKUM TERHADAP PIHAK DEBITUR DALAM PERJANJIAN PINJAM MEMINJAM LAYANAN SHOPEE PAYLATER

Abstract

E-Commerce offers various payment features for buying and selling transactions, such as bank transfer payment methods, credit cards, digital wallets owned by each e-commerce, and Cash On Delivery (COD). Along with the development of technology in electronic transactions, currently there is a payment feature that allows consumers to shop using installment payments or provide loans without a credit card and without providing collateral, namely the pay later feature. The pay later payment feature gives consumers the opportunity to avail services and services while they pay at the end according to the given time limit. The emergence of the pay later feature is the result of a collaboration between online shopping companies and peer to peer lending based financing companies. The Legal Relations of the Parties in the Lending and Borrowing Agreement for Shopee Paylater services. agreement contract. The offer in the Shopee Paylater lending and borrowing agreement comes from Shopee as a lender. Shopee offers loan services to users of its platform who meet certain conditions. This offer contains information regarding available loan amounts, terms and other conditions. Borrowers receive offers from Shopee by accessing and using the Shopee Paylater service.