Kajian Yuridis Perlindungan Hukum pada Konsumen Pembiayaan Berbasis Financial Technology di Indonesia

Suherman, Suherman (2020) Kajian Yuridis Perlindungan Hukum pada Konsumen Pembiayaan Berbasis Financial Technology di Indonesia. Master thesis, Universitas Internasional Batam.

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Abstract

Seiring pesatnya perkembangan teknologi, membuat sektor industri keuangan ikut berevolusi. Berkat perkembangan teknogoli, pinjaman yang biasanya dilakukan secara konvensional, sekarang hadir pinjaman berbasis informasi teknologi atau yang dikenal dengan sebutan Financial Technology, salah satu jenisnya adalah peer to peer lending (P2P lending) yang dapat menyokong kebutuhan konsumen di pasar. Mudah dan cepatnya proses pencairan pinjaman melalui Financial Technology, membuat konsumen lebih memilih meminjam uang berbasis Financial Technology dibandingkan secara konvensional. Tentunya hal ini menimbulkan masalah terlebih lagi ketika konsumen tidak teliti dalam memilih perusahaan penyedia jasa keuangan.. Penelitian ini dilakukan untuk meneliti tentang aspek hukum atas praktik Financial Technology serta menemukan perlindungan hukum konsumen atas pembiayaan berbasis Financial Technology. Upaya hukum juga tidak luput dalam penelitian ini, agar dapat mengetahui jalur sengketa yang dipilih apakah melalui litigasi atau non-litigasi. Penelitian ini merupakan penelitian normatif. Data-data yang digunakan sebagai sumber berasal dari data hukum primer dan sekunder. Hasil penelitian ini menunjukkan bahwa Indonesia telah memiliki dasar hukum yang mengatur pembiayaan berbasis Financial Technology. Selain itu, berhubung sengketa pembiayaan berbasis Financial Technology merupakan sengketa bisnis yang merupakan bagian dari sengketa perdata, maka dapat diselesaikan melalui jalur litigasi maupun non-litigasi. Alternatif Penyelesaian Sengketa (APS) atau Alternative Dispute Resolution (ADR) merupakan penyelesaian sengketa non-litigasi yang diatur dalan aturan Otoritas Jasa Keuangan. ********************************************************************** Along with the rapid development of technology, the financial industry sector also evolved. Thanks to the technological advancement, loans that are usually obtained conventionally now available based on information technology or the commonly known term Financial Technology. One of the types is peer to peer lending (P2P lending) that is capable of supporting consumer needs in the market. The easy and quick process in the disbursement of a loan through Financial Technology makes the consumer be more attracted in obtaining the loan through Financial Technology compared to the conventional way. Of course, this generates a new problem especially if the consumers are not careful in choosing the company responsible for providing loan service. This research is performed to study legal aspects in Financial Technology practices as well as to discover legal protection for consumers financed through Financial Technology. Legal efforts are included as well in the research, this is to understand which resolution to take in a legal dispute and whether to use litigation or non-litigation method. The research is in normative. Data used as resource come from both primary and secondary legal data. The result of this research reveals that Indonesia has a legal basis that regulates financing via Financial Technology. Apart from that, considering that business dispute is a part of private law dispute and therefore can be resolved through litigation or non-litigation. Alternative Dispute Resolution or ADR is a method of dispute resolution through non-litigation means ruled in Financial Services Authority regulation.

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