Analisis Pinjaman Online Oleh Fintech  Dalam Kajian Hukum Perdata

Istiqamah, Istiqamah

doi:10.24252/jurisprudentie.v6i2.10501

Cited by 21 publications

(27 citation statements)

References 0 publications

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…Ada beberapa penelitian terdahulu terkait penelitian ini yaitu (Istiqamah, 2019a); (Novinna, 2020); dan (Fais, 2021) mengungkapkan bahwa perbuatan hukum yang timbul antara debitur dengan kreditur dalam proses pinjaman secara online harus berdasarkan perjanjian, hal ini diikat dengan kedudukan hukum selaku debit collector dengan pihak penyelenggara pinjaman online P2P Lending adalah sebagai pihak ketiga dalam hubungan kerja sama yang dimana tiap pihak memiliki kewajiban masing-masing, selanjutnya pengguna layanan produk pembiayaan khususnya bagi pemberi pinjaman harus diberi perlindungan hukum sesuai peraturan otoritas jasa keuangan nomor 7/pojk.01/2016 tentang pinjam meminjam uang berbasis teknologi informasi. Berdsarkan dari beberapa penelitian terdahulu, maka dalam penelitian ini mencoba melakukan penelitian dengan proses pengajian yang berbeda dengan tujuan menjeaskan kedudukan hukum perjanjian pinjaman online berbasis Financial Technology (Fintechl) dan mengetahui perlindungan hukum terhadap kreditur yang memberikan pinjaman online berbasis Financial Technology (Fintech)…”

Section: Iunclassified

See 1 more Smart Citation

Perjanjian Pinjaman Online Berbasis Financial Technology (Fintech)

Pradnyawati¹,

Sukandia

Arini

2021

JKH

View full text Add to dashboard Cite

Financial Technology (Fintech) is a technology alternative that facilitates loan transactions that can be done online. Online loans create new problems such as rampant fraud and default. Referring to the problems described, this research was conducted with the aim of explaining the legal position of financial technology-based online loan agreements (Fintechl), and knowing the legal protection of creditors who provide financial technology-based online loans (Fintech). This research used normative legal research. Sources of data are primary and secondary legal materials, data are combined with recording techniques in obtaining primary and secondary legal materials, namely examining several reading materials such as journals, scientific books and statutory regulations. After the data is collected, it is then analyzed qualitatively. The result showed that the legal position of online loan agreements based on financial technology (Fintech) when reviewed legally, the online agreement is legally valid because it has a basis, namely Article 1320 of the Civil Code and the validity of the evidence used refers to law Number 11 of 2008 concerning Article 5 of the ITE Law on information, documents and electronic signatures. Legal protection for creditors in an online loan agreement based on financial technology (Fintech) consists of preventive legal protection and repressive legal protection.

show abstract

Section: Iunclassified

“…Dalam pelaksanaan perjanjian pinjaman online antara debitur dan kreditur tidak membutuhkan ruang untuk berinteraksi secara langsung. Namun interaksi tersebut bisa dilakukan dengan menggunakan perangkat elektronik (Istiqamah, 2019b).…”

Section: Hasil Dan Pembahasan 1 Kedudukan Hukum Perjanjian Pinjaman Online Berbasis Financial Technology (Fintech)unclassified

Perjanjian Pinjaman Online Berbasis Financial Technology (Fintech)

Pradnyawati¹,

Sukandia

Arini

2021

JKH

View full text Add to dashboard Cite

show abstract

“…This provision creates a free interpretation which creates legal uncertainty. 25 Therefore, it is vital to establish regulations regarding the interest of peer-to-peer fintech in ensuring the fulfillment of legal certainty, justice, transparency, and fulfillment of public interest and consumer protection principles, which is covered in law No. 5 of 1999.…”

Section: Disruptive Innovation and Loan Interest Of Peer-to-peer Lending Business In Indonesiamentioning

confidence: 99%

Problematics of Determining Interest in Peer-to-peer Lending in Indonesia

Annas

Anshori

2021

JMH

View full text Add to dashboard Cite

Peer-to-peer lending is considered as the solution for people who require loans with easy terms. However, peer-to-peer lending in Indonesia causes some new problem related to the essential nature of it. Authorization of Indonesian Joint Funding Fintech (AFPI) determines peer-to-peer lending interest-debt possible to violate competition law in Indonesia. The paper aims to describe and analyze the authorization of Indonesian Joint Funding Fintech, which has a big chance to harm competition law in Indonesia. The author uses normative legal research methods and secondary data sources to examine the topic in this study. The result shows that the arrangement of interest-debt in peer-to-peer lending potentially creates a cartel and violates the basic principles of competition law in Indonesia.

show abstract

“…In addition to being regulated in Bank Indonesia Regulations, the implementation of fintech especially fintech peer to peer lending is also regulated in OJK Regulation Number 77/POJK.01/2016 concerning Information Technology-Based Lending and Borrowing Services. This OJK regulation stipulates that entrepreneurs conducting business in the form of fintech, especially those focusing on the field of lending and borrowing entrepreneurs who conduct business in the form of fintech, especially those focusing on the field of lending and borrowing on an online basis (fintech peer to peer lending) (Istiqamah, 2019). So in its implementation must pay attention to aspects of the rules set by the Financial Services Authority (OJK).…”

Section: Regulations Of Financial Technology (Fintech) Implementationmentioning

confidence: 99%

The Problems of Consumer Protection in Fintech Peer To Peer Lending Business Activities in Indonesia

Disemadi

Yusro

Balqis

2020

SCJ

View full text Add to dashboard Cite

Industrial Revolution 4.0 has influenced the development of technology and information. The presence of financial technology (fintech) especially fintech peer to peer lending in Indonesia is proof that the Industrial Revolution 4.0 has had an influence on economic aspects as a fundamental aspect of the country. The implementation of fintech peer to peer lending in providing alternative financing to consumers is currently faced with several problems, especially issues related to consumer protection. This study uses a normative legal research method with a statutory approach. This research shows that the state has tried to provide preventive protection to consumers through several regulations, namely Bank Indonesia Regulation Number 19/12/PBI/2017 concerning the Implementation of Financial Technology that regulates the procedures for implementing fintech in Indonesia and also the OJK Regulation Number 77/POJK.01/2016 on Information Technology-Based Lending and Borrowing Services that regulates OJK's supervisory function in implementing fintech peer to peer lending in Indonesia. This protects consumers through the regulation of digital-based savings and loan providers which must be officially registered to guarantee the legality of the organizer, electronic documents by statutory provisions, and dispute resolution mechanisms in the event of a dispute related to fintech peer to peer lending business activities.

show abstract

Analisis Pinjaman Online Oleh Fintech Dalam Kajian Hukum Perdata

Cited by 21 publications

References 0 publications

Perjanjian Pinjaman Online Berbasis Financial Technology (Fintech)

Perjanjian Pinjaman Online Berbasis Financial Technology (Fintech)

Problematics of Determining Interest in Peer-to-peer Lending in Indonesia

The Problems of Consumer Protection in Fintech Peer To Peer Lending Business Activities in Indonesia

Contact Info

Product

Resources

About