Legal Analysis on Peer-to-peer Lending Users Protection in Indonesia

Ng, Elena Scarlett (2020) Legal Analysis on Peer-to-peer Lending Users Protection in Indonesia. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Populasi di seluruh dunia telah diperkenalkan dengan inovasi teknologi yang memungkinkan untuk menyederhanakan dan membawa kecanggihan dalam hidup mereka, hal ini tidak dapat disangkal juga kepada pengguna jasa keuangan. Mereka mengharapkan dengan kecanggihhan ponsel memberikann akses yang mudah, dan layanan yang tidak terlalu memakan waktu. Setiap inovator berlomba untuk menyediakan komunitas dengan teknologi yang mereka butuhkan, ini menciptakan teknologi keuangan (fintech) serta membantu mengisi kekosongan bagi populasi yang belum memiliki layanan keuangann dengan layanan yang mereka butuhkan. Peer-to-Peer lending adalah salah satu jenis layanan teknologi keuangan yang membantu peminjam dan pemberi pinjaman untuk bertemu. Dalam melakukan penelitian ini, penulis akan menggunakan metode penelitian hukum normatif dan pengumpulan data adalah penelitian perpustakaan yang guna memecahkan masalah penulis dalam menganalisis risiko dalam Peer-to-Peer Lending. Penulis penelitian ini menaruh ketertarikan pada para pengguna jasa finansial Peer-to-Peer Lending dan mengamati masalah yang mungkin timbul oleh penggunaan jasa keuangan ini. Penulis mengamati masalah tertentu untuk mencari solusi agar menemukan hukum yang berlaku untuk pertanyaan yang diajukan oleh fakta-fakta kasus. Dari penelitian ada beberapa masalah yang teridentifikasi seperti data privasi, pencucian uang dan pendanaan terorisme, pinjaman macet atau gagal bayar, suku bunga tinggi, dan Pinjaman Peer-to-Peer ilegal selanjutnya akan dijelaskan dalam tesis ini. Menurut teori integratif, ada nilai tertinggi untuk melakukan perubahan pada sistem norma harus berdasar pada Pancasila. Ada kekurangan unsur keadilan sosial untuk seluruh rakyat Indonesia penulis temukan dalam peraturan baru yang dibuat untuk Peer to Peer Lending dan juga peraturan tersebut belum mampu memberikan solusi untuk banyaknya masalah yang muncul. Oleh karena itu undang-undang harus mampu mengakomodasi perkembangan inovasi teknologi dengan sangat cepat. ********************************************************************** Population all over the world has been introduced to the technology innovation which enables to simplify and bringing sophistication to their life, undeniably, also to the financial services users. They are expecting mobile, easy access and less time-consuming services. Each innovator is competing to provide the community with the technology they needed, this creates financial technology (fintech) as well as help to fill the void for the unbanked population with the services they needed. Peer-to-Peer lending is one of fintech type of financial technology services helping borrowers and lenders to meet. In carrying out this research, the writer will use normative legal research methods and data collection is library research problem-solving issues writer analyzed the risk in Peer-to-Peer Lending as a place where these services eliminate intermediaries as way people getting a loan. This research writer is putting self-interest is observing issues that might arise by the usage of these financial services. The writer observed a particular problem to make the solution to the problem of locating the law that applies to the question raised by the facts of the case. From the research there are several issues the writer able to identify, the risk rising in this growing industry is quite elevated; such as data privacy, money laundry, and terrorism funding, default loan, high-interest rates, and illegal Peer-to-Peer Lending furthermore will be explained in this thesis. According to the integrative theory, there is the highest value for making changes to norm systems and systems of social justice that is Pancasila. There is a lack of the element of social justice for all people, the writer found in recent regulation made for Peer-to-Peer Lending and the regulation hasn’t able to provide solutions for many issues. Therefore legislation should ideally be able to accommodate the development of technological innovation very rapidly.

Item Type: Thesis (Undergraduate)
Additional Information: Similarity: 24
Uncontrolled Keywords: OJK, Peer-to-Peer lending, users, users’ protection, financial service provider, lenders, borrower.
Subjects: K Law > Hukum Dagang
K Law > Hukum Perdata
K Law
Divisions: School of Law > Law Science
SWORD Depositor: Admin Repository Universitas Internasional Batam
Depositing User: Admin Repository Universitas Internasional Batam
Date Deposited: 22 Apr 2020 09:58
Last Modified: 27 Apr 2020 04:26
URI: http://repository.uib.ac.id/id/eprint/2049

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