SPayLater Installments Loans on The Civil Code Perspective

Siti Mutmaina Suci Lasri Isra; Nur Mohamad Kasim; Dolot Alhasni Bakung

Authors

Siti Mutmaina Suci Lasri Isra Faculty of Law, Universitas Negeri Gorontalo
Nur Mohamad Kasim Faculty of Law, Universitas Negeri Gorontalo https://orcid.org/0000-0003-4738-4825
Dolot Alhasni Bakung Faculty of Law, Universitas Negeri Gorontalo https://orcid.org/0000-0002-7137-8030

Keywords:

Consumer protection, Electronic money, E-Commerce, Paylater installment

Abstract

This paper aims to analyze paylater installments Loans on SPayLater feature from the perspective of the Civil Code. The type of writing used is normative with a Statutory and Case Approach then analyzed using data analysis techniques with deductive logic. The results of this writing show that Electronic Money Loans on Shopee pay later are reviewed from Article 1365 of the Civil Code which confirms that "everyone who commits unlawful acts is required to compensate for losses arising from his mistakes". The compensation is in the form of a fine given by the Shopee party to SPayLater users who are late in paying bills that have become a mutual agreement with Shopee parties so that users who are injured promises or in a legal language known as default (unlawful acts) must replace the losses as confirmed in Article 1365 of the Criminal Code, the number of fines given is 5% of the total bill addressed to the user.

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Author Biographies

Siti Mutmaina Suci Lasri Isra, Faculty of Law, Universitas Negeri Gorontalo

Student of the Faculty of Law, Universitas Negeri Gorontalo

Nur Mohamad Kasim, Faculty of Law, Universitas Negeri Gorontalo

Professor of Islamic Law at the Faculty of Law, Universitas Negeri Gorontalo

Dolot Alhasni Bakung, Faculty of Law, Universitas Negeri Gorontalo

Associate Professor at the Faculty of Law, Universitas Negeri Gorontalo

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