Perlindungan Hukum Dalam Pengajuan Kredit Secara Digital

Abstract

In credit distribution carried out through digital banking services, credit application approval and data
verification are processed more quickly than when done conventionally. This raises concerns about legal
protection for providing credit or other financing and could result in losses for the bank and also the
Debtor Customer if it continues. The purpose of this research is review and discuss whether the digital
procedure to acquire credit could provide protection for the parties and the legal procedures to achieve
a resolution for the parties involved. The legal research method used for this research is based on
primary, secondary, and tertiary legal materials, and uses a statutory approach and a conceptual
approach. The results of the research show that the prudent principle must be implemented effectively
to determine whether the prospective Debtor Customer can be trusted and is able to make payments so
that both parties do not experience losses. How quickly the approval of credit applications made through
digital banking services shows that the implementation of prudent principles has not been implemented
properly when compared to credit applications made conventionally. Legal protection for the parties
involved can be implemented by using relevant laws and regulations as a form of preventive legal
protection. There is also repressive legal protection in the form of alternative dispute resolution or
through civil lawsuits in court.