Abstract
Business is an exchange of goods, services or money that is mutually beneficial or provides benefits to one another. However, as owners and consumers, they must understand business ethics and principles in doing business so as not to injure each other. Currently, many service institutions provide convenience in providing online loans but do not see the legal rules and do not comply with OJK rules so that when there is a problem they only blame one party. The aim of this research is to provide an explanation for producers to complete their administration either formally or materially. This research method uses normative law and Islamic law methods. In order to better understand the concept of Islamic law and positive law in providing online loans. The results of the research as producers and consumers must complete the requirements and there must be legality in writing and online. So that when there is a problem, it can be processed legally. In Islamic law if it is not in accordance with sharia principles. The agreement in the online loan is invalid
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