Penguatan Perlindungan Konsumen dalam Industri Peer to Peer Lending di Indonesia

Abstract

Hadirnya perusahaan peer to peer lending (P2PL) sebagai penyedia jasa pinjam-meminjam uang melalui jaringan internet di Indonesia diharapkan menjadi alternatif pendanaan bagi masyarakat, faktanya menimbulkan berbagai permasalahan. Salah satunya adalah masalah perlindungan konsumen yang sering diabaikan. Penelitian ini bertujuan untuk mengkaji gambaran umum penyelenggaraan usaha P2PL di Indonesia, bentuk pelanggaran hak konsumen dalam pelaksanaan industri P2PL di Indonesia, dan solusi untuk mengoptimalkan perlindungan konsumen dalam industri P2PL. Penelitian ini menggunakan metode yuridis normatif dan empiris dengan menganalisa peraturan perundang-undangan, jurnal dan data terkait pelanggaran hak konsumen dalam industri P2PL. Hasil penelitian ditemukan berbagai permasalahan dalam pelaksanaan industri P2PL di Indonesia dikarenakan terdapat kekosongan hukum terkait dengan perlindung-an konsumen industri P2PL di Indonesia. Solusi untuk mengatasi masalah tersebut adalah dengan membuat undang-undang yang secara spesifik mengatur tentang pelaksa-naan praktik P2PL di Indonesia beserta sanksi yang tegas bagi para pihak yang melakukan pelanggaran atas undang-undang tersebut. Consumer Protection Strengthening in the Peer to Peer Lending Business in Indonesia The presence of a peer to peer lending company (P2PL) as a provider of money lending and borrowing services through the internet network in Indonesia is expected to be an alternative funding for the community, but in fact this raises various problems. One of the problems is consumer protection which is often ignored by P2PL companies. This study aims to examine the general description of P2PL business operation in Indonesia, forms of violation of consumer rights in the implementation of the P2PL industry in Indonesia, and solutions to optimize consumer protection in the P2PL industry. This research uses normative and empirical juridical methods by analyzing laws and regulations, journals and data related to violations of consumer rights in the P2PL industry. The result shows that various problems in the implementation of P2PL industry in Indonesia because there is a legal vacuum related to consumer protection for the P2PL industry in Indonesia. The solution to solve this problem is to make laws that specifically regulate the implementation of P2PL practices in Indonesia along with strict sanctions for parties who violate the law.

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“…Peminjam dana yang belum melunasi pinjamannya, mendapat konsekwensi penagihan yang dilakukan setiap hari. (Purba, 2022) Sedangkan pelaksanaan Utang-piutang pada dasarnya tidak boleh memberatkan semua pihaknya. Apalagi sampai diberlakukan bunga, yang mana dalam segi hukum perjanjian piutang harus dibayarkan dengan jumlah maupun bentuk sama.…”

Application of Authentication in Peer to Peer Lending Fintech Transactions to Maintain the Confidentiality of Personal Data

“…1 The essential types of fintech incorporate installments (computerized wallets, P2P installments), venture (value crowdfunding, Peer to Peer Lending), financing (crowdfunding, miniature advances, credit offices), Insurance (hazard the executives), Cross-process (broad information examination, prescient demonstrating), foundation (security). [6] The development of fintech has brought about monetary organizations, one of which is data innovation based loaning and getting administrations (shared or P2P loaning). [3] The expanding number of fintech organizations showing up in the field (distributed or P2P loaning) is without a doubt getting the public's consideration and the public authority, for this situation, the controller, in particular the Financial Services Authority (OJK), and Bank Indonesia.…”