Peer to peer lending merupakan salah satu perusahaan yang mempertemukan para pemberi pinjaman Penelitian ini adalah penelitian normatif dengan menggunakan pendekatan peraturan perundang-undangan Hasil penelitian menunjukkan bahwa hak borrower tidak diatur secara jelas didalam Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang Layanan Pinjam MeminjamUang Berbasis Teknologi Informasi dan Peraturan Otoritas Jasa Keuangan Nomor 13/POJK.02/2018 tentang Inovasi Keuangan Digital di Sektor Jasa Keuangan sehingga borrower dapat diberikan perlindungan sebagaimana diatur dalam Pasal 4 huruf c Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen dan Pihak yang berhak bertanggung jawab atas perbedaan perhitungan beban kewajiban pembayaran pinjaman pada peer to peer lending adalah pihak Penyelenggara dengan memberikan bentuk tanggung jawab produk Kata kunci : Peer to peer lending, borrower, konsumen

Peer to peer lending is a company which unite to the investor and the borrower use an aplication that given by caretaker as a side who supply a digital finance service. One of platform money loan online base is Pinjam Yuk aplication which give donation of loan start from six hundreds rupiah to two millions rupiah with the instalment payment system plus the interest. But there are several borrowers contain bill on aplication which cause loss in consumer, so the consumer must pay a fine that must not to pay. Related to this problem, need to held a research which discuss about right of borrower in Finance Service Authoritative Regulation and a side who is responsible if it happens differences of burden obligation calculation loan payment between caretaker and borrower. This research is normative research use statute approach. The object of primary and secondary law has processsed and prescriptive analyzed, which give the arguments from the result of research based on law regulation. The result show that borrower right is not arranged clearly in Finance Service Authoritive Regulation number 77/POJK.01/2016 about money loan service in information and technology base, and Finance Service Authoritive Regulation number 13/POJK.02/2018 about Innovation of Digital financial in Finance Service Sector so the borrower can given by protection that was arranged in Pasal 4 letter c Undang-Undang Nomor 8 Tahun 1999 about consumer protection and a side who is responsible if it happens differences of burden obligation calculation loan payment on peer to peer lending is a side who is responsible that give product liability with strict liability. Keyword: peer to peer lending, borrower, consumer

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