The Importance of Electronic Signature Certification in Online Loans
Pentingnya Sertifikasi Tanda Tangan Elektronik pada Pinjaman Online
DOI:
https://doi.org/10.21070/ups.2051Keywords:
Electronic Signature, Online Loan, Validity of ProofAbstract
Electronic signatures have started to exist in various aspects of community needs, from handing over files, e-KTP, to even online loans. Online loans are a form of financial technology (fintech), the legitimacy of online loans, of course, is the existence of electronic signatures as well. However, not all types of electronic signatures can be used as legal evidence of the rights and responsibilities of the signature holder. The results of this study indicate that there are 102 fintech lending companies with OJK licenses. However, only 7 (seven) applications have verified, the rest have not yet verified their electronic signatures. The position and legal force of electronic signatures as evidence is based on Article 11 of Law Number 11 of 2008 concerning Information and Electronic Transactions. This law provides express recognition that even though it is only a code, an electronic signature has legal force and legal consequences..
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