<> "The repository administrator has not yet configured an RDF license."^^ . <> . . . "IMPLEMENTASI PERJANJIAN BAKU (SYARAT DAN KETENTUAN) PADA LAYANAN SPINJAM BAGI PENERIMA PINJAMAN"^^ . "This research analyzes the standard agreement in the SPinjam Service,\r\nwhich allegedly contains an exonerating clause that transfers responsibility from\r\nthe Operator and Fund Provider to the Borrower. This clause is considered to\r\nviolate the provisions on the drafting of standard agreements in POJK Number 22\r\nof 2023 concerning Consumer and Community Protection in the Financial\r\nServices Sector, which expressly prohibits the use of exonerating clauses. The\r\nSPinjam service operates publicly and is accessible to the Muslim community, so\r\nthe presence of this exonerating clause is feared to violate the principle of justice\r\nin the context of sharia contract law. In addition, users who do not fully\r\nunderstand the crucial role of standard agreements in contractual relationships\r\nalso add to the problems in this study. Users only care about fulfilling their urgent\r\nneeds, so they tend to overlook and ignore the substance of the agreement.\r\nThis research is qualitative research using a normative-empirical approach.\r\nThe object of research is the standard agreement (Terms and Conditions) of the\r\nSPinjam Service for Borrowers. Data was obtained through direct observation of\r\nthe Shopee Platform and SPinjam feature, interviews with SPinjam Service users\r\nand experts in sharia agreements (Prof. Dr. H. Syamsul Anwar, M.A), and\r\ndocumentation from references or literature related to this research. The analysis\r\nof the implementation of standard agreements uses the theory of the principles of\r\nSharia contract law, namely: the principle of ibahah, the principle of freedom of\r\ncontract, the principle of consensualism, the principle of binding promises, the\r\nprinciple of balance, the principle of benefit, the principle of trust, and the\r\nprinciple of justice. Meanwhile, the analysis of user interpretation uses nudge\r\ntheory by Richard H. Thaler and Cass R. Sunstein in the book Nudge Theory by\r\nRudy C Tarumingkeng with the following variables: default options, framing\r\neffect, simplification, and salience.\r\nThe results of this research analysis show that there are six principles of\r\nSharia law that reinforce the element of loss from clauses that contradict POJK\r\nNumber 22 of 2023 in the implementation of standard agreements in SPinjam\r\nServices. These principles include: the principle of ibahah, the principle of\r\nfreedom of contract, the principle of balance, the principle of maslahah, the\r\nprinciple of trust, and the principle of justice. In addition, user interpretation\r\nproves that the blind consent given by users is influenced by positive framing\r\n(claims of easy and fast financing services), a lack of emphasis in the presentation\r\nof the risks of using the service, the urgency of urgent needs, and a lack of user\r\nunderstanding of the importance of reading and the existence of exonerating\r\nclauses. Thus, the removal of problematic clauses and the improvement of the\r\npresentation of standard agreements are mandatory alternatives for SPinjam\r\nServices to minimize the losses incurred by Borrowers."^^ . "2025-12-04" . . . . "UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . "FAKULTAS SYARI’AH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . . . . . . . "NIM.: 23203012050"^^ . "Harisma Annisa Al Islam, S.H."^^ . "NIM.: 23203012050 Harisma Annisa Al Islam, S.H."^^ . . . . . . "IMPLEMENTASI PERJANJIAN BAKU (SYARAT DAN KETENTUAN) PADA LAYANAN SPINJAM BAGI PENERIMA PINJAMAN (Text)"^^ . . . . . "23203012050_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf"^^ . . . "IMPLEMENTASI PERJANJIAN BAKU (SYARAT DAN KETENTUAN) PADA LAYANAN SPINJAM BAGI PENERIMA PINJAMAN (Text)"^^ . . . . . "IMPLEMENTASI PERJANJIAN BAKU (SYARAT DAN KETENTUAN) PADA LAYANAN SPINJAM BAGI PENERIMA PINJAMAN (Other)"^^ . . . . . . "IMPLEMENTASI PERJANJIAN BAKU (SYARAT DAN KETENTUAN) PADA LAYANAN SPINJAM BAGI PENERIMA PINJAMAN (Other)"^^ . . . . . . "IMPLEMENTASI PERJANJIAN BAKU (SYARAT DAN KETENTUAN) PADA LAYANAN SPINJAM BAGI PENERIMA PINJAMAN (Other)"^^ . . . . . . "IMPLEMENTASI PERJANJIAN BAKU (SYARAT DAN KETENTUAN) PADA LAYANAN SPINJAM BAGI PENERIMA PINJAMAN (Other)"^^ . . . . . . "IMPLEMENTASI PERJANJIAN BAKU (SYARAT DAN KETENTUAN) PADA LAYANAN SPINJAM BAGI PENERIMA PINJAMAN (Other)"^^ . . . . . . "lightbox.jpg"^^ . . . "IMPLEMENTASI PERJANJIAN BAKU (SYARAT DAN KETENTUAN) PADA LAYANAN SPINJAM BAGI PENERIMA PINJAMAN (Other)"^^ . . . . . . "preview.jpg"^^ . . . "IMPLEMENTASI PERJANJIAN BAKU (SYARAT DAN KETENTUAN) PADA LAYANAN SPINJAM BAGI PENERIMA PINJAMAN (Other)"^^ . . . . . . "medium.jpg"^^ . . . "IMPLEMENTASI PERJANJIAN BAKU (SYARAT DAN KETENTUAN) PADA LAYANAN SPINJAM BAGI PENERIMA PINJAMAN (Other)"^^ . . . . . . "small.jpg"^^ . . "HTML Summary of #74925 \n\nIMPLEMENTASI PERJANJIAN BAKU (SYARAT DAN KETENTUAN) PADA LAYANAN SPINJAM BAGI PENERIMA PINJAMAN\n\n" . "text/html" . . . "343.07 Hukum Ekonomi" . .