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Abstract

Women often find themselves in less advantageous economic situations compared to men, with more restricted access to formal financial resources. Wage gaps, greater household responsibilities, and difficulties in obtaining decent employment lead many women to view online loans as a convenient and quick solution to address their financial needs. online lending providers often exploit the vulnerability of women by offering loans that seem profitable on the surface, but actually have overwhelming terms and conditions. These lenders often use aggressive and manipulative marketing tactics to attract female consumers, such as highlighting the ease of process and the speed of fund liquidation without providing clear and complete information about the risks involved. This article aims to discuss the urgency of consumer law protection from a gender perspective in Indonesia, focusing on women consumers who are many victims of online loans, as well as analyzing state efforts to protect them in relation to the Consumer Protection Act. Gender-sensitive consumer law protection in Indonesia is crucial to addressing the vulnerability of women in online loans. Improved financial literacy, tighter regulation, effective supervision, and complaint services that are easily accessible and trusted by female consumers are needed. The Consumer Protection Act must be implemented consistently and effectively to ensure that consumer rights are properly protected. The advice for the future is the need for stronger synergies between governments, financial institutions, and society to create an inclusive and equitable financial ecosystem for all, especially women.

Keywords

gender female consumers online loans protection

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How to Cite
yuanitasari, D., Judiasih, S. D., & Kusmayanti, H. (2025). THE THE URGENCY OF LEGAL PROTECTION FOR FEMALE CONSUMERS IN ONLINE LOANS FROM A GENDER PERSPECTIVE IN INDONESIA. ACTA DIURNAL Jurnal Ilmu Hukum Kenotariatan, 8(2), 192 - 208. https://doi.org/10.23920/acta.v8i2.1763
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