Pembadanan Hukum Fintech Sebagai Instrumen Pengaturan Persaingan Usaha Yang Sehat

Handayani, Otih; Sulistiyono, Adi

doi:10.14710/mmh.49.3.2020.244-255

Cited by 6 publications

(4 citation statements)

References 10 publications

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“…In this case (Handayani & Sulistiyono, 2020) explained that the Industrial Revolution 4.0 was what gave birth to Financial Technology (Fintech) as a new paradigm in the field of financial services, namely accelerating the provision of loan funds by utilizing automated processes and simplifying the loan process. Weak legal instruments have an impact on the occurrence of unfair business competition, one of which is in the form of a cartel.…”

Section: Analysis Of Crime and Punishment In Sentencingmentioning

confidence: 99%

Analisis Kejahatan dan Hukuman tehadap Tantangan Deterministik Kausal secara Sosial yang Menyebabkan Pertanggungjawaban Pidana

Ahyani¹,

Makturidi²,

Sa’diyah³

et al. 2023

Al Ahkam

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Kejahatan dan hukuman merupakan 1) sebuah perilaku, 2) salah satu jenis gejala sosial dalam interaksi yang terbangun antar manusia, 3) Fenomena alam dan sosial, 4) termasuk interaksi antara orang-orang dalam kehidupan sosial, 5) dianggap sebagai proses mekanis deterministik berdasarkan hukum kausalitas. Sehingga dewasa ini kajian kejahatan dan hukuman perlu dikembangkan guna mewujudkan pembangunan Nasional. Metode penelitian ini merupakan penelitian normatif dimana deterministic kausal bertujuan dalam pemidanaan dan tidak hanya didasarkan pada konsep keadilan retributif, tetapi juga pada prinsip manfaat yang dihasilkan dalam arti bertujuan untuk mencegah terulangnya kejahatan serupa dan dengan demikian dapat menciptakan ketertiban dan keamanan Nasional. Hasil penelitian menunjukkan bahwa kejahatan dan hukuman tehadap tantangan deterministik kausal secara sosial yang menyebabkan pertanggungjawaban pidana adalah sebuah keniscayaan sebagaimana Satjipto Rahardjo mengungkapkan bahwa hukum selalu berkembang mengikuti perkembangan manusia serta mengikuti kebutuhan dan nilai-nilai yang hidup dalam manusia untuk mewujudkan keadilan sosial bagi seluruh warga Negara Indonesia.

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Section: Analysis Of Crime and Punishment In Sentencingmentioning

confidence: 99%

Analisis Kejahatan dan Hukuman tehadap Tantangan Deterministik Kausal secara Sosial yang Menyebabkan Pertanggungjawaban Pidana

Ahyani¹,

Makturidi²,

Sa’diyah³

et al. 2023

Al Ahkam

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“…This discrepancy is seen from the lack of legal standing of the AFPI's authority to regulate, especially the main tasks and functions of regulating and supervising interest rates are not actually under the authority of the AFPI. 34 a. Illegal Fintech Lending Development According to the Financial Services Authority (OJK) records, there were 1,026 illegal fintech companies in 2020.…”

Section: Fintech Lending Interestmentioning

confidence: 99%

The Self Regulation on Peer to Peer (P2p) of Lending Industry in Indonesia as Problems and Prospects

Fajar

Setianingrum

2022

JPH

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The purpose of this research is to find out that the industrial revolution 4.0 has had a significant impact, especially in the use of technology and the internet in daily human activities, both in personal life and in economic activities. This study used a normative legal research method that examines various legal theories related to financial technology both in Indonesia and other countries. The P2P lending service carries out business activities by providing, managing, and operating money-borrowing services by utilizing information technology as a liaison. Peer to Peer (P2P) Lending in Indonesia is regulated in POJK No. 77/POJK.01/2016 concerning Information Technology-Based Lending and Borrowing Services. This regulation is the basis for the implementation of P2P Lending business activities or online borrowing, which is one type of fintech, including regulations regarding supervision carried out by the Financial Services Authority (OJK) on the implementation of these business activities. However, in practice, lending by P2P Fintech has attracted a lot of controversies because there are still many problems, including interest arrangements, the rise of illegal fintech applications and also the weakness of consumer protection where these things have not been fully addressed and regulated by POJK No. 77/POJK. 01/2016.

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“…Interest cartels in the financial sector are a form of conspiracy mechanism determining loan interest rates by business actors. 32 In the case of peer-to-peer fintech, it needs to be emphasized that there is no evidence that AFPI is engaged in an interest cartel. However, the current conditions and regulations for peer-to-peer fintech in Indonesia provide sufficient space for AFPI to undertake such actions.…”

Section: Cartels In Peer-to-peer Lending Business Activities In Indonesiamentioning

confidence: 99%

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

Annas

Anshori

2021

JMH

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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.

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Pembadanan Hukum Fintech Sebagai Instrumen Pengaturan Persaingan Usaha Yang Sehat

Cited by 6 publications

References 10 publications

Analisis Kejahatan dan Hukuman tehadap Tantangan Deterministik Kausal secara Sosial yang Menyebabkan Pertanggungjawaban Pidana

Analisis Kejahatan dan Hukuman tehadap Tantangan Deterministik Kausal secara Sosial yang Menyebabkan Pertanggungjawaban Pidana

The Self Regulation on Peer to Peer (P2p) of Lending Industry in Indonesia as Problems and Prospects

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

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