Civil and State Administrative Law Protection for Borrower's Personal Data in Online Legal Services in Jakarta

The purpose of this study is to determine and analyze the types of legal protection and the application of the legal principles of agreements for creditors and debtors in online loan platforms with the concept of installment payments without a credit card. This study is classified as qualitative socio-legal research. The application of the legal principles of agreements for creditors and debtors is a requirement for the validity of an agreement, determines the form and content of the agreement, gives rise to legal consequences for the agreement, and determines the rights and obligations of creditors and debtors for lending and borrowing activities through online platforms. Legal protection can be obtained for creditors and debtors through litigation and non-litigation channels based on the principles of justice and legal certainty. It is hoped that this study can be a reference for online loan platform actors to know the legal obligations that bind them as stated in OJK regulation number 77 / POJK.01/2016.