Breach Dispute Resolution Mechanisms for Breach of Contract in Online Loan Agreements Under Indonesian Positive Law
Keywords:
Online Loan Agreements, Dispute Resolution, Breach of ContractAbstract
This research aims to examine the mechanisms for resolving disputes arising from breaches of contract in online loan agreements under Indonesian positive law. The method employed in this study is normative legal research. Based on the analysis and discussion, it is concluded that online loan agreements are legally valid insofar as they fulfill the requirements for a valid contract as stipulated in Article 1320 of the Indonesian Civil Code, supported by the provisions of the Electronic Information and Transactions Law regarding electronic contracts and electronic signatures. Online loan agreements organized through platforms registered with and supervised by the Financial Services Authority (OJK) possess legally binding force upon the parties. Conversely, agreements conducted through illegal providers potentially contain legal defects or may be declared void. In the event of a breach of contract, dispute resolution can be pursued through both litigation and non-litigation channels, including mediation, arbitration, the Alternative Dispute Resolution Institution facilitated by OJK, and Online Dispute Resolution (ODR) mechanisms. Therefore, enhanced supervision and increased legal literacy among the public are essential to ensure legal certainty and protection in online lending practices.
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