LEGAL PROTECTION FOR CUSTOMERS OF "EMOK DARK BANK" DUE TO FRAUDULENT ACTIONS OF CREDITORS IN FINANCIAL LOANS IN A JUST LEGAL PERSPECTIVE

Abstract

The rise of the "Emok Dark Bank" in society has resulted in society increasingly falling into chaotic and uncertain economic problems. This research aims to examine the lending practices of 'Emok Dark Bank' and their implications for legal protection for customers. Through a normative juridical approach, this research identifies gaps in regulations that allow illegal lending operations to take place and explores the impact on customers, both from a financial and psychological perspective. Analysis of real cases and relevant legal decisions is the basis for understanding the dynamics of illegal lending practices and existing legal responses. The research results show that the lack of public awareness and financial literacy, together with weaknesses in supervision and law enforcement, worsen the situation for customers who become victims. This research proposes a series of policy recommendations and practical actions that can be taken by governments, financial institutions and society to improve legal protection for customers. These recommendations include increased regulation and supervision, stronger inter-institutional cooperation, financial literacy education, the establishment of an effective complaints mechanism, and the provision of tough sanctions for perpetrators of illegal loans.