Legal Protection for Consumers Using Shopee Paylater Cash Swipe Services
Keywords:
Consumer protection, Shopee PayLater, Digital transactions
Abstract
In the current digital era, there are many benefits, one of which is electronic commerce transactions that provide various attractive features such as Paylater or pay later. This writing uses a normative legal writing method. Where a legislative approach will be taken by reviewing laws and regulations with the use of the Paylater feature. The increasing online purchasing power is now widely used by individuals who use the Paylater feature to make Cash Swipes, legal protection for users of cash swipe services is very important. Cash Swipe is a practice that involves disbursing credit limits from digital platforms such as Shopee Paylater in cash. This practice often causes legal problems and threats to consumers, such as fraud, increased debt, and misuse of personal data. The purpose of this study is to see how Law Number 8 of 1999 concerning Consumer Protection protects consumers who use Shopee Paylater swipe cash services. In addition, this study also investigates the responsibility of platform providers to protect customers from detrimental practices. The results of the study show that the practice of gestun violates legal provisions related to financial transactions and consumers. Consumers involved in this practice also do not get protection from service providers and consumers will also get violations of the law.
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Sugiartha, I. N. G., Dewi, A. A. S. L. D., & Widyantara, I. M. M. (2020). Law Enforcement Of Fraud Through Electronic Media. Sosiological Jurisprudence Journal, 3(1), 19–27.
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Ali, M. A., Azad, M. A., Centeno, M. P., Hao, F., & Moorsel, A. van. (2019). Consumer-facing technology fraud: Economics, Attack Methods And Potential Solutions. Future Generation Computer Systems, 100, 408–427. https://doi.org/10.1016/j.future.2019.03.041
Anggraini, S. P., & Iskandar, H. (2022). Perlindungan Hukum Konsumen Dalam Pembayaran Menggunakan Sistem Paylater. Pleno Jure, 11(1), 69–86. https://doi.org/10.37541/plenojure.v11i1.701
Arviani, R. D., & Rahmawati, D. (2021). The Effect of Smishing Fraud, Perceived Risk, and Trust Using E-Marketplace Towards Online Shopping in Shopee. Jurnal Profita: Kajian Ilmu …. https://journal.student.uny.ac.id/index.php/profita/article/view/17701%0Ahttps://journal.student.uny.ac.id/index.php/profita/article/download/17701/17065
Dhahana, K. A. P., & Ulpah, M. (2023). Factors Affecting the Use of Paylater and Its Effect on Financial Well-Being. Jurnal Scientia, 12(1), 492–502. http://infor.seaninstitute.org/index.php
Fadlurrahman, I., & Fikrianihayah, A. N. (2022). Consumer Protection in E-Commerce Transactions Through Shopee Application According To Sharia Economic Law. Al-Muamalat: Jurnal Ekonomi Syariah, 9(1), 14–19. https://doi.org/10.15575/am.v9i1.13920
Gupta, A. (2014). E Commerce : Role Of E Commerce In Todays Business. International Journal of Computing and Corporate Research, 4(1), 1–203.
Halizah, S. N., & Mardikaningsih, R. (2024). Legal Perspective on Consumer Personal Data Protection in Fintech Services. Journal of Social Science Studies, 9(2), 45–48.
Hanaysha, J. R. (2022). Impact Of Social Media Marketing Features On Consumer’s Purchase Decision In The Fast-Food Industry: Brand Trust As A Mediator. International Journal of Information Management Data Insights, 2(2), 100102. https://doi.org/10.1016/j.jjimei.2022.100102
Helberger, N., Lynskey, O., Micklitz, H., Rott, P., & Sax, M. (2021). Structural asymmetries in digital consumer markets. BEUC, March.
Hilong, L. (2023). Effectiveness of Social Media to Attract Customers for Start-up Business. International Journal of Management and Human Sciences, 07(01), 16–23. https://doi.org/10.31674/ijmhs.2023.v07i01.003
Khan, B. U. I. K., Olanrewaju, R. F., & Baba, A. M. (2017). A Compendious Study of Online Payment Systems: Past Developments, Present Impact, and Future Considerations. International Journal of Advanced Computer Science and Applications, 8(5), 256–271. https://doi.org/10.14569/ijacsa.2017.080532
Kharisma, B. (2022). Surfing Alone? The Internet And Social Capital: Evidence From Indonesia. Journal of Economic Structures, 11(1). https://doi.org/10.1186/s40008-022-00267-7
Mujtahid, I. M., Berlian, M., Vebrianto, R., Thahir, M., & Irawan, D. (2021). The Development of Digital Age Literacy: A Case Study in Indonesia. Journal of Asian Finance, Economics and Business, 8(2), 1169–1179. https://doi.org/10.13106/jafeb.2021.vol8.no2.1169
Nasution, S. G., Risdalina, & Kumalasari, I. (2022). Default Dispute Settlement Through Somasi (Somatie Or Legal Notice) Based On Law 1238 Of The Civil Code. International Journal of Educational Research & Social Sciences, 3(6), 2362–2366. https://doi.org/10.51601/ijersc.v3i6.536
Negara, T. A. S. (2023). Normative Legal Research in Indonesia: Its Originis and Approaches. Audito Comparative Law Journal (ACLJ), 4(1), 1–9. https://doi.org/10.22219/aclj.v4i1.24855
Nugroho, A. B., Ravenska, N., & Zulvia, P. (2021). Lifestyle Patterns During the Covid-19 Pandemic. Advances in Social Science, Education and Humanities Research, 564(Icas 2020), 78–82. https://doi.org/10.2991/assehr.k.210629.015
Nurulhaq, L. S., Junus, N., & Towadi, M. (2023). Legal Protection Of Personal Data According To Financial Services Authority Regulation. Estudiante Law Journal, 5(3), 699–713.
Prasetyo, Y., & Fatimah, N. (2022). Review of Dsn-Mui Fatwa No. 177 / Dsn-Mui / Ii / 2018 Against the Practice of Paying Products on Credit Using the Shopee Paylater Payment Feature on the Shopee Application. Al-Muamalat: Jurnal Ekonomi Syariah, 9(1), 7–13. https://doi.org/10.15575/am.v9i1.14617
Pratika, Y., Salahudin, S., Riyanto, D. W. U., & Ambarwati, T. (2021). Analysis of Pay Later Payment System on Online Shopping in Indonesia. Journal of Economics, Business, & Accountancy Ventura, 23(3), 329–339. https://doi.org/10.14414/jebav.v23i3.2343
Razi, A. A., & Putra, R. P. (2020). The Hooked Model as Communication Strategy of “Kembaliin” App as an Information Media for Handling Lost and Found. Advances in Social Science, Education and Humanities Research, 409(SoRes 2019), 214–218. https://doi.org/10.2991/assehr.k.200225.044
Rizal, S. S. (2023). Buying And Selling Transactions With Shopee Paylater Perspective Of Sharia Economic Law. International Conference on Humanity Education and Sosial, 2(1), 11.
Sabda Maulana, Nasution, I. M., Shino3, Y., & S.Panjaitan, A. R. (2022). Fintech As A Financing Solution For Micro, Small and Medium Enterprises. Startupreneur Business Digital (SABDA Journal), 1(1), 72–83. https://doi.org/10.33050/sabda.v1i1.76
Setyowati, N., Suwadi, P., & Muryanto, Y. T. (2024). Electronic Court in Indonesia: Challenges and Concerns in the Development of Responsive Law Reform (Issue 1). Atlantis Press SARL. https://doi.org/10.2991/978-2-38476-218-7_27
Sudirjo, F., Geertruida Bororing, G. M., Harsono, I., Nurdiani, T., & Naim, I. (2024). Analysis of Customer Satisfaction Using the End User Computing Satisfaction Approach Toward Users of Digital Post-Payment Application Gopay Later. Jurnal Informasi Dan Teknologi, 6, 188–193. https://doi.org/10.60083/jidt.v6i1.496
Sugiartha, I. N. G., Dewi, A. A. S. L. D., & Widyantara, I. M. M. (2020). Law Enforcement Of Fraud Through Electronic Media. Sosiological Jurisprudence Journal, 3(1), 19–27.
Sugito. (2024). Marketing Strategy For Matahari.Com Customers In Medan: A Study Of Online Fashion Product. Jurnal Ekonomi, 13(2), 541–554. https://doi.org/10.54209/ekonomi.v13i02
Susanti, F., & Yosefly, R. (2021). Marketing Management Studies Online Purchase Decisions On The Online Buying Site “Shopee” Viewing From The Variables Of Trust, Easy And Price. Marketing Management Studies, 1(2), 123–131. https://doi.org/10.24036/jkmp.v1i1
Zulham. (2023). A Critical Review of Consumer Protection Online Shopping, False Advertising, and Legal Protection. Journal of Law and Sustainable Development, 11(5). https://doi.org/10.55908/sdgs.v11i5.740
Published
2024-12-15
How to Cite
Sri Astutik, D., & Hardian Iskandar. (2024). Legal Protection for Consumers Using Shopee Paylater Cash Swipe Services. Jurisprudentie : Jurusan Ilmu Hukum Fakultas Syariah Dan Hukum, 11(2), 112-123. https://doi.org/10.24252/jurisprudentie.v11i2.52111
Section
Volume 11 Nomor 2 Desember 2024
Copyright (c) 2024 Dinda Sri Astutik, Hardian Iskandar
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