Imposing Restorative Justice Sanctions on Online Loan Users Who Commit Criminal Fraud and Compensating Online Loan Victims Through Alternative Dispute Resolution

Abstract

The interesting thing that can result in criminal penalties is that the director can be held accountable for all company operations in carrying out the business of producing and/or trading goods and/or services that do not correspond to the promises stated in labels, etiquette, descriptions, advertisements, or sales promotions of goods and/or services. The Republic of Indonesia Law No. 19 of 2016 (RI Law No. 19/2016), as amended by Law No. 11 of 2008 Concerning Electronic Information and Transactions (RI Law No. 19/2016), states that anyone who intentionally and without authorization or in a way that is against the law modifies, reduces, transmits, destroys, deletes, transfers, or hides electronic information and/or documents that belong to another person or to the public domain is still in violation of Chapter 32 (1). Article 32 paragraph (1) of the Law of the Republic of Indonesia Number 19 of 2016 which was last amended by Law Number 11 of 2008 Concerning Electronic Information and Transactions (RI Law No.19/2016) which confirms that every person intentionally and without rights or in a way against the law in all ways to change, add, reduce, transmit, destroy, delete, transfer, hide an Electronic Information and/or Electronic Document belonging to another person or public property.