Legal Reconstruction of Consumer Protection for Users of Information Technology-Based Funding Services Based on Justice Value

This research analyzes the weaknesses of the consumer protection for users of information technology-based funding services in indonesia currently and how to reconstruct the law based on justice value in a constructivism paradigm where the type of research method used is normative juridical and the specifications of this research have a prescriptive analytical nature with the approach used by the author being a statutory approach. The research results found that the the weaknesses of the Regulation of the Financial Services authority of the Republic of Indonesia Number: 10/POJK.05/2022 concerning Information Technology-Based funding Services and Reconstruction of improvements to the policy of POJK Regulation Number 10/POJK.05/2022 with the contents of SE OJK No.19/SEOJK.06/2023 and emphasize the requirements for the analysis of organizers to pay attention to the ability to pay as seen from evidence of the average consumer income to minimize default by being required to pass the SLIK data verification analysis and not exceeding 50% of the remaining income of prospective consumers. Therefore, the Reconstruction of POJK Regulations are in regard to the permission for online credit organizers to access consumer camera, location, and microphone applications that are only given when the consumer needs initial verification.