Irawan, Rafildo Faza
(2019)
Analisis perbandingan terhadap perlindungan hukum untuk konsumen peer-to-peer lending di Indonesia, Malaysia dan Inggris.
Bachelor thesis, Universitas Pelita Harapan.
Full text not available from this repository.
Abstract
Responding to increase financing needs and other financial services in
Indonesia, there are developments in the financial industry sector, which is
popularly referred to as financial technology or abbreviated as Fintech. One of the
most popular types of Fintech in Indonesia is crowdfunding or Peer-to-Peer (P2P)
-based loans, which offer the convenience of lending-buying money using online
platforms. With the introduction of loan-based crowdfunding, not only the
benefits that we need to consider, but we also need to be aware of developments
and risks that can harm consumers. Therefore, normative research was conducted
to see which legal protection for P2P lending consumers use with regulations in
Malaysia and English that were previously issued. Based on the results of research
that analyzed and compared the Financial Services Authority Regulation No. 77 /
POJK.01 / 2016 concerning Information Technology-Based Money Lending and
Borrowing Services with Securities Commission Guidelines on Regulated Market
and Crowdfunding and Promotion of Security Instruments and the Promotion of
Non-Readily Realisable Securities Instrument in 2014 by Financial Conduct
Authority. All countries regulate the matters similarly how to regulate between
Indonesia, Malaysia and the United Kingdom. It can be concluded from Indonesia
that it has been adequate legal protection for consumers to mitigate risk, but there
are still some important points that can be learned from arrangements in Malaysia
and the UK, such as financial services supervisory bodies, information disclosure
and complaints mitigating the risk of failing to pay and protect interests general.
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