Perlindungan hukum bagi pengguna layanan pinjam meminjam dana berbasis teknologi finansial (financial technology) di Indonesia

Pamungkas, Arman Trie (2020) Perlindungan hukum bagi pengguna layanan pinjam meminjam dana berbasis teknologi finansial (financial technology) di Indonesia. Masters thesis, Universitas Pelita Harapan.

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Abstract

Pertumbuhan penyelenggara Financial Technology di Indonesia khususnya Peer to Peer Lending meningkat dari tahun ke tahun. Otoritas Jasa Keuangan sebagai lembaga pengaturan dan pengawasan sektor jasa keuangan berperan aktif dalam mengawasi perkembangan penyelenggara Financial Technology jenis Peer to Peer Lending agar sesuai Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016, karena dalam opininya, masih banyak terjadi pelanggaran- pelanggaran khususnya mengenai pendaftaran dan perizinan penyelenggara di Otoritas Jasa Keuangan. Permasalahannya adalah Bagaimana pengawasan fungsi Otoritas Jasa Keuangan terhadap pelaksanaan pemberian pinjaman berbasis fintech terhadap data pribadi pengguna layanan dan bagaimana perlindungan hukum bagi pengguna layanan pinjam meminjam dana berbasis fintech (peer to peer lending) jika dianalisis berdasarkan Peraturan Perundang-Undangan. Tujuan penelitian ini adalah untuk mengetahui fungsi pengawasan OJK terhadap pelaksanaan pemberian fasilitas pinjaman berbasis fintech terhadap data pribadi pengguna layanan, serta untuk mengetahui perlindungan bagi pengguna layanan pinjam meminjam dana berbasis fintech (peer to peer lending) yang dianalisis berdasarkan Peraturan Perundang-Undangan di Indonesia. Penelitian ini menggunakan metode yuridis normatif, dimana pengumpulan data dilakukan dengan menggunakan pendekatan undang-undang, yaitu dengan menelaah semua undang-undang dan regulasi yang terkait. Dari penelitian tersebut dapat disimpulkan bahwa Pengawasan Otoritas Jasa Keuangan terhadap perusahaan fintech dihubungkan dengan prinsip transparansi dalam mekanisme fintech di Indonesia sudah berjalan dengan mengikuti Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi, akan tetapi dalam pelaksanaannya belum memadai, serta perlindungan hukum terhadap pengguna layanan fintech jenis P2P Lending masih belum menjangkau kepentingan perlindungan hukum terhadap penguna layanan layanan fintech tersebut. / The growth of Financial Technology operators in Indonesia, especially Peer to Peer Lending, has increased from year to year. The Financial Services Authority as a regulatory and supervisory agency for the financial services sector plays an active role in overseeing the development of Peer to Peer Lending types of Financial Technology operators to comply with the Financial Services Authority Regulation Number 77 / POJK.01 / 2016, because in his opinion, there are still many violations in particular. regarding registration and licensing of operators at the Financial Services Authority. The problem is how to supervise the function of the Financial Services Authority on the implementation of fintech-based lending on personal data of service users and how legal protection for users of fintech-based lending and borrowing services (peer to peer lending) if analyzed based on the Prevailing Laws. The purpose of this study is to determine the supervisory function of the OJK on the implementation of fintech-based loan facilities for the personal data of service users, as well as to determine the protection for users of fintech-based lending and borrowing services (peer to peer lending) which is analyzed based on the Prevailing Laws in Indonesia. This study uses a normative juridical method, where data collection is carried out using a statutory approach, namely by examining all related laws and regulations. From this research, it can be concluded that the Financial Services Authority's supervision of fintech companies is related to the principle of transparency in the fintech mechanism in Indonesia which has been running by following the Financial Services Authority Regulation Number 77 / POJK.01 / 2016 concerning Information Technology-Based Lending and Borrowing Services, but in its implementation is inadequate, and legal protection for users of fintech services of the type of P2P Lending has not reached the interests of legal protection for users of these fintech services.

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