Perlindungan Hukum Bagi Pemberi Pijaman (Lender) Dalam Penyelenggaraan Financial Technology

Adam Jamaluddin

Abstract


In the implementation of fintech lending services, it cannot be denied that there is a possibility of default by one of the parties. In particular, the lender has a greater risk, namely the risk of default due to the failure of the loan recipient to perform his / her performance. Therefore, legal protection is needed for lenders to create a sense of security and create legal certainty. The issues discussed in this study are how the legal protection for lenders (lenders) in the implementation of Financial Technology when there is a default and how to resolve disputes in the implementation of Financial Technology for lenders (lenders). The results of this study are that one of the legal protections for lenders is also regulated in Article 29 of the Financial Services Authority Regulation Number 77 / POJK.01 / 2016 concerning Information Technology-Based Lending and Borrowing Services, including the Principle of Transparency, fair treatment, reliability, confidentiality, and data security and user dispute resolution in a simple, fast and affordable manner and the Operator is obliged to provide compensation to the party that has been injured due to the Operator's mistake or negligence.

DOI: https://doi.org/10.26905/mlj.v2i1.6255


Keywords


Loans, Fintech, Credit

Full Text:

PDF

References


Aaron, M., Rivadeneyra, F., & Sohal, S. W. (2017). Fintech: Is this time different? A framework for assessing risks and opportunities for central banks. In ank of Canada Staff Discussion Paper No. 2017-10.

Aminuddin, N. A. (2021). Legislasi Perlindungan Hukum Terhadap Fenomena Financial Technology Peer To Peer Lending Di Indonesia. Jurnal Hukum Dan Pembangunan Ekonomi, 9(1). https://doi.org/10.20961/hpe.v9i1.52609

Anita, A., & Rusfandi, R. (2021). Aspek Yuridis Penyelenggaraan Financial Technology Berbasis Peer to Peer Lending. Jurnal Jendela Hukum, 8(2).

Aprita, S. (2021). Peranan Peer to Peer Lending dalam Menyalurkan Pendanaan pada Usaha Kecil dan Menengah. Jurnal Hukum Samudra Keadilan, 16(1), 37–61. https://doi.org/10.33059/jhsk.v16i1.3407

Arner, D. W., Barberis, J., & Buckley, R. P. (2015). The Evolution of FinTech: A New Post-Crisis Paradigm? 274–282.

Bank Indonesia. (2017). Peraturan Bank Indonesia Nomor: 19/12/PBI/2017 Tentang Penyelenggraan Teknologi Finansial. https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/ ritel/financial-technology/default.aspx

Benuf, K., Mahmudah, S., & Priyono, E. A. (2019). Perlindungan Hukum Terhadap Keamanan Data Konsumen Financial Technology Di Indonesia. Refleksi Hukum: Jurnal Ilmu Hukum, 3(2), 145–160. https://doi.org/10.24246/jrh.2019.v3.i2.p145-160

Darmansyah, Fianto, B. A., Hendratmi, A., & Aziz, P. F. (2020). Factors determining behavioral intentions to use Islamic financial technology: Three competing models. In Otoritas Jasa Keuangan (Vol. 12, Issue 4). https://doi.org/10.1108/JIMA-12-2019-0252

Disemadi, Hari Sitra, & Jaya, N. S. P. (2019). Perkembangan Pengaturan Korporasi Sebagai Subjek Hukum Pidana Di Indonesia. Jurnal Hukum Media Bhakti, 3(2), 118–127. https://doi.org/10.32501/jhmb.v3i2.80

Disemadi, Hari Sutra. (2021). Fenomena Predatory Lending: Suatu Kajian Penyelenggaraan Bisnis Fintech P2P Lending selama Pandemi COVID-19 di Indonesia. Pandecta Research Law Journal, 16(1), 55–67. https://journal.unnes.ac.id/nju/index.php/pandecta/article/view/26860

Haikal, F., & Wijayangka, C. (2021). Hubungan Literasi Keuangan Dengan Pemanfaatan Pinjaman Online Studi Pada Mahasiswa Universitas Telkom Pengguna Layanan Cicil . Co . Id. E-Proceeding of Management, 8(2).

Harahap, N., & Nasution, R. A. (2020). Perlindungan Hukum Pengguna Layanan Teknologi Finansial (Financial Technology) Pinjam Meminjam Uang Berbasis Teknologi Informasi (Peer To Peer Lending). Jurnal Kaidah Hukum Media Komunikasi Dan Informasi, 20(1), 63–80.

Hartanto, R., & Ramli, J. P. (2018). Hubungan Hukum Para Pihak Dalam Peer To Peer Lending. Jurnal Hukum Ius Quia Iustum, 25(2), 320–338. https://doi.org/10.20885/iustum.vol25.iss2.art6

Hartati, S. Y., Daud, M. R., & Nurohmat. (2021). Analisis Perlindungan Hukuk Bagi Debitur Dalam Peminjaman Uang Berbasis Teknologi Finansial (Koinwork). Al-Qisth Law Review, 5(1), 129–170.

Justitia, W., & Aidi, Z. (2017). Perlindungan Hukum Terhadap Bank Sebagai Kreditur Baru Dalam Pengalihan Piutang Atas Kredit Pemilikan Rumah Secara Top Up. Jurnal Yuridis, 4(2), 110–130. https://doi.org/10.35586/.v4i2.246

Lubis, M. R. (2020). Perlindungan Hukum Terhadap Konsumen Atas Pinjaman Modal Usaha Berbasis Fintech Bagi Pelaku Usaha Mikro Kecil dan menengah (UMKM). 1(2), 107–114. https://doi.org/10.25123/vej.3057.5

Marginingsih, R. (2019). Analisis SWOT Technology Financial (FinTech) Terhadap Industri Perbankan. Cakrawala: Jurnal Humaniora Bina Sarana Informatika, 19(1), 55–60.

Napitupulu, S. A., & Susilowati, I. F. (2019). Perlindungan Hukum Penerima Pinjaman Terhadap Penggunaan Data Pribadi Oleh Penyelenggara Layanan Pinjaman Uang Berbasis Teknologi Informasi Di Indonesia. Novum: Jurnal Hukum, 6(4).

Nizar, M. A. (2017). Financial Technology (Fintech): It ’ s Concept and Implementation in Indonesia. Munich Personal RePEc Archive, V(98486), 15.

Nuryakin, C., Aisha, L., & Massie, N. W. G. (2019). Financial Technology in Indonesia: A Fragmented Instrument for Financial Inclusion? In LPEM-FEB UI Working Paper 036 (Issue May).

Octarina, N. F., & Malasari, A. D. (2021). Perlindungan Hukum Bagi Pemberi Pinjaman Dalam Pinjam Meminjam Uang Tanpa Agunan Berbasis Teknologi Informasi. Journal of Islamic Law, 5(2), 273–282.

Poeteri, N. A., Simanjuntak, M., & Hasanah, N. (2021). Persepsi Generasi Milineal Terhadap Platform Peer to Peer Lending Berdasarkan Karakteristik Demografi. Jurnal Indonesia Sosial Teknologi:, 2(3).

Pratolo, S. (2020). Bedukmawa: Marketplace and Fintech Design for Student Entrepreneurship in the Industrial Revolution 4.0 Era. Journal of Accounting and Investment, 21(1). https://doi.org/10.18196/jai.2101141

Prilliasari, E. (2013). Pentingnya perlindungan data pribadi dalam transaksi pinjaman. 1, 1–27.

Purborini, V. S., Gufron, M., & Wisnuwardhani, D. A. (2020). Tanggung Jawab Agen Kredit Sindikasi Dalam Hal Debitur Wanprestasi. MLJ Merdeka Law Journal, 1(1), 1–9. https://doi.org/10.26905/mlj.v1i1.4288

Putri, C. R. (2019). Tanggung Gugat Penyelenggara Peer To Peer Lending Jika Penerima Pinjaman Melakukan Wanprestasi. Jurist-Diction, 1(2), 460. https://doi.org/10.20473/jd.v1i2.11002

Rahadiyan, I., & Hawin, M. (2020). Pengaturan Dan Penerapan Mitigasi Risiko Dalam Penyelenggaraan Peer To Peer Lending Guna Mencegah Pinjaman Bermasalah. Jurnal Hukum Ius Quia Iustum, 27(2), 285–307. https://doi.org/10.20885/iustum.vol27.iss2.art4

Rahmahafida, N. I. (2020). Perlindungan Hukum Pihak Pemberi Pinjaman pada Layanan Pinjaman Pendidikan Berbasis Teknologi Informasi terhadap Risiko Gagal Bayar. Jurist-Diction, 3(2). https://doi.org/10.20473/jd.v3i2.18203

Risna Kartika, & Umam, M. F. S. (2021). Tingkat Wanprestasi 90 Peer to Peer Lending Selama Pandemi COVID-19 di Indonesia. AKUNTABILITAS: Jurnal Ilmiah Ilmu-Ilmu Ekonomi, 14(1), 31–39. https://doi.org/10.35457/akuntabilitas.v14i1.1551

Saptia, Y. (2018). Teknologi Finansial (TEKFIN) Sebagai Alternatif Layanan Keuangan Bagi UMKM: Tantangan Ke Depan. In Economic Research Center.

Setiawan, H., Ghufron, M. A., & Mochtar, D. A. (2020). Perlindungan Hukum Terhadap Data Pribadi Konsumen Dalam Transaksi E-Commerce. MLJ Merdekja Law Journal, 1(2), 102–111. https://doi.org/10.14710/lr.v3i1.12340

Silalahi, A. K. (2020). Urgensi Undang-Undang Fintech (Peer to Peer Lending) P2P Terkait Pandemi Covid -19. Jurnal Hukum Positum, 5(2), 20–31.

Suryono, R. R., Purwandari, B., & Budi, I. (2019). Peer to peer (P2P) lending problems and potential solutions: A systematic literature review. Procedia Computer Science, 161, 204–214. https://doi.org/10.1016/j.procs.2019.11.116

Suseno, B. A. (2021). Karakteristik Penagihan Secara Bertanggung Jawab Yang Dilakukan Oleh Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi. Jurist-Diction, 4(5), 1739. https://doi.org/10.20473/jd.v4i5.29817

Tampubolon, H. R. (2019). Seluk Beluk Peer to Peer Lending Sebagai Wujud Baru Keuangan Indonesia. Jurnal Bina Mulia Hukum, 3(2). https://doi.org/10.23920/jbmh.v3n2.15

Tjandra, A. (2020). Kekosongan Norma Penentuan Bunga Pinjaman Financial Technology Peer To Peer Lending. Jurnal Hukum Bisnis Bonum Commune, 3(1). https://doi.org/10.30996/ jhbbc.v3i1.3077

Wijaya, M. S., Ruba’I, M., & Koeswahyono, I. (2018). Inkonsistensi Pengaturan Pertanggungjawaban Pidana Korporasi. Rechtidee, 13(1), 104–115.




DOI: https://doi.org/10.26905/mlj.v2i1.6666

Refbacks

  • There are currently no refbacks.




MLJ Merdeka Law Journal
Postgraduate University of Merdeka Malang



Information

Google Map icon | Myiconfinder

Postgraduate University of Merdeka Malang Building Terusan Dieng Street 62-64, Malang City, East Java, Indonesia, 65146.
Phone (0341) 580161 & Faks (0341) 588395
bhouhttp://jurnal.unmer.ac.id/index.php/mlj/
mlj@unmer.ac.id
WhatsApp Android Emoji, smudge, mobile Phones, smudge, android png ...+628811111228

Statistics
Flag Counter
View MLJ Stats
Indexed in
width="150"

Tools
Turnitin
crossref
MendeleyGrammarly

Supported By

Creative Commons License This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Powered by  Open Journal Systems.