PROTECTION OF LEGAL RIGHTS OF BORROWERS WHO ARE HARMED DUE TO ILLEGAL INFORMATION TECHNOLOGY-BASED LOANS
Technology-based loans, known as online loans, are increasingly in demand by the public. The easy and fast process of disbursing loan funds is one of the reasons people are interested in using online loan services. The party authorized to oversee the implementation of online loans is the Financial Services Authority (OJK). The presence of online loans still leaves legal problems, namely there are still many service providers who are not licensed or who are known to be illegal. This makes legal protection for debtors as loan recipients very important to provide in order to protect against losses due to illegal online loans. To answer these problems, the type of research used is normative juridical by examining various laws and literature that are relevant to the theme discussed. So this study came to the conclusion that online loans made by illegal service providers do not fulfill the subjective element in the terms of a valid agreement, so the agreement can be canceled.
 Fauzia, Ana, Octavia, Deva Gama Rizky, & Hamdani, Fathul. (2022). The Conflict of the Norms in the Execution of Secured Objects Which are Enforced by Liability Rights When the Debtor is Bankrupt. Progressive Law Review, 4(01), 1–9.
 Fitri, Wardatul, Priyono, Fx Djoko, & Turisno, Bambang Eko. (2022). The Juridical Review On Legal Position Of Illegal Online Loans Based On Article 1320 Of The Civil Code (Burgerlijk Wetboek). Baltic Journal of Law & Politics, 15(7), 356–367.
 Harjono, Dhaniswara K. (2022). Regulations of Lending Business Activities via Online Applications (Peer-to-Peer Lending): Financial Technology Activities in Legal Terms. OPSearch: American Journal of Open Research, 1(3), 95–103.
 Khan, Hayat, Weili, Liu, & Khan, Itbar. (2022). Examining the effect of information and communication technology, innovations, and renewable energy consumption on CO2 emission: evidence from BRICS countries. Environmental Science and Pollution Research, 29(31), 47696–47712.
 Kharisma, Bella, Nurmandi, Achmad, Muallidin, Isnaini, Kurniawan, Danang, & Loilatu, Mohammad Jafar. (2022). The Role of the Financial Services Authority (OJK) in Preventing Illegal Fintech Landing in the COVID-19 Pandemic in Indonesia. Social Computing and Social Media: Design, User Experience and Impact: 14th International Conference, SCSM 2022, Held as Part of the 24th HCI International Conference, HCII 2022, Virtual Event, June 26–July 1, 2022, Proceedings, Part I, 568–577. Springer.
 Kholiq, Mohamad Nur, Puspanita, Dinda Ajeng, & Thalib, Prawitra. (2022). Copyright Protection of Art Containing Nudist Elements Under Positive Law In Indonesia. Law and Justice, 6(2), 161–173.
 Munir, Misbachul, & Djaelani, Mohammad. (2022). Information Technology and Repositioning of Human Resource Management Functions. Journal of Social Science Studies (JOS3), 2(2), 50–55.
 Saragih, Yasmirah Mandasari, Siregar, Dahris, Halawa, Arianus, Lawolo, Adilman Reliance, Lase, Arianto, Waruwu, Ardiman, Halawa, Heronimus, & Hulu, Yuniel Putra. (2022). Legal Protection for Consumers in the Implementation of Electronic Trading Contracts. International Journal of Community Service (IJCS), 1(2), 214–223.
 Satino, Yuliana Yuli Wahyuningsih, & Putri, Citraresmi Widoretno. (2022). Online Loan Lender Information System (Fintech) Reviewed From Law Number 11 Year 2008 About Information And Electronic Transactions. Central European Management Journal, 30(4), 1157–1167.
 Siregar, Dahris, Lase, Afni Nirmala Deli, Hulu, Aguswina, Zendrato, Berkat Jaya, Yusra, Dina Rizka, Mentari, Juwita, Lafau, Suriati, & Dewi, Dahlia Kusuma. (2022). The Legitimacy of Electronic Trading Contracts According to the Civil Code. International Journal of Community Service (IJCS), 1(2), 160–167.
 Subagiyo, Dwi Tatak, Gestora, Lorensia Resda, & Sulistiyo, Sulistiyo. (2022). Characteristic of Illegal Online Loans in Indonesia. Indonesia Private Law Review, 3(1), 69–84.