Update Artikelilmiah: 36041

SALMA AULIA NAZHIFAH

NIM

Judul Artikel

Abstrak (Bhs. Indonesia)

Perkembangan teknologi mempengaruhi segala bidang dalam kehidupan termasuk dalam teknologi pembayaran secara elektronik. Salah satu contoh dari transaksi pembayaran elektronik yang muncul karena perkembangan teknologi adalah Shopee Paylater di marketplace Shopee. Terdapat tiga pihak dalam penyelenggaraan layanan Shopee Paylater yakni PT Commerce Finance, Shopee, dan Pengguna Layanan Shopee Paylater sekaligus konsumen. Penelitian ini bertujuan untuk mengetahui hak dan kewajiban para pihak pada perjanjian pinjaman dalam pembayaran menggunakan layanan Shopee Paylater dan akibat hukum yang timbul sebab wanprestasi oleh pengguna layanan Shopee Paylater. 
Penelitian ini menggunakan metode pendekatan yuridis normatif dengan spesifikasi penelitian deskriptif analisis. Data penelitian bersumber dari data sekunder berupa syarat dan ketentuan layanan. Metode pengumpulan data dilakukan dengan studi kepustakaan. Metode penyajian data dalam bentuk teks naratif. Metode analisis data yang digunakan adalah normatif kualitatif. 
Berdasarkan hasil analisis perjanjian dalam syarat dan ketentuan yang disepakati dapat diambil kesimpulan bahwa hak dan kewajiban para pihak tertuang di dalam syarat dan ketentuan penggunaan Shopee Paylater. Perjanjian dalam penggunaan layanan Shopee Paylater serta hak dan kewajiban yang timbul didasarkan pada perjanjian pinjam meminjam. Namun, terdapat perbedaan pada segi kewajiban debitur bahwa besar jumlah pembayaran kembali tidak sebesar saldo kredit pinjaman yang diberikan oleh Pemberi Pinjaman, melainkan sebesar jumlah yang digunakan oleh Pengguna Layanan. Bagi Pengguna Layanan yang melakukan wanprestasi dapat berakibat hukum seperti membayar denda, ganti rugi, sampai dengan pembatalan perjanjian.

Abtrak (Bhs. Inggris)

Technological development affects all areas in life including electronic payment. An example of electronic payment that emerged due to technological development was Shopee Paylater in Shopee's marketplace. There are three parties involved in the operational of Shopee Paylater service, which are PT Commerce Finance, Shopee, and Shopee Paylater users also known as consumers. This study aims to find out the rights and obligations of each parties to loan agreements in payments using Shopee Paylater services and the legal consequences arising due to default by Shopee Paylater service users.
This study uses normative judicial approach method with research specification of descriptive analysis. The data on this research are secondary data in the form of terms and condition of services. The method used to collect them was through literature studies. The data is presented in the form of narrative text. The data analysis method used in this study is normative qualitative.
Based on the results on the analysis of the agreements in the agreed terms and conditions it is safe to conclude that the rights and obligations of the parties are contained within the terms and conditions of the usage of Shopee Paylater. The agreement to use Shopee Paylater services and the rights and obligations included are based on the loan agreement. However, there is a difference in terms of debtor obligation is that the amount of repayment is not based on the amount of the loan credit balance provided by the Lender, but based the amount used by the Service User. For Service User who performs default will receive legal consequences such as paying fines, indemnification, up to the cancellation of the agreement. For Service User who performs default will receive legal consequences such as paying fines, indemnification, up to the cancellation of the agreement. For Service User who performs default will receive legal consequences such as paying fines, indemnification, up to the cancellation of the agreement.

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