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WANPRESTASI DALAM TRANSAKSI PINJAMAN ONLINE PAYLATER PADA APLIKASI SHOPEE
The pattern of people's lives, in terms of meeting their current living needs, has undergone changes in terms of technology, information and communication. To meet the needs desired by the community, it can be through applications developed by business actors who provide services for buying and selling goods. For example, now to shop we can use the Shopee application. From the above problems, this study discusses the first, default on the credit agreement in the shopee application, the second settlement of shopee paylater users who default in the credit agreement on the shopee application. The nature of the research used in this study is descriptive which aims to provide as accurate data as possible about the circumstances that can be the object of research so that it will strengthen the hypothesis and can help strengthen the old theory or create a new theory. The approach method used by the author in this study is normative juridical, which is legal research that is only aimed at written regulations that are carried out by researching literature materials or secondary data. From the results of this study, conclusions are drawn, first, the default of the credit agreement that occurs in the Shopee application is the debtor who does not pay the Shopee Paylater bill that appears. There are various types of defaults, some do not pay, do not pay according to the predetermined date and also do not pay the bill at all. This default is affected by two factors, namely the user in a force maejure (force maejure) and the user forgets the due date of the shopee pay later.second, the settlement of the default of the Shopee Pay Later User who defaults in the Credit Agreement in the Shopee Application is by way of internal settlement between the shopee party and the shopee pay later user by using several steps. And also shopee provides administrative sanctions to users who default in the form of a 5% late fine, and the default is recorded in the Financial and Information Services System of the Financial Services Authority, making it difficult to access credit from banks and financial institutions in the future.
FAKULTAS SYARI'AH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA
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