Perlindungan hukum bagi penyedia dana dalam peer to peer lending di dalam industri teknologi finansial

Saragih, Chrismanto Marulitua (2017) Perlindungan hukum bagi penyedia dana dalam peer to peer lending di dalam industri teknologi finansial. Masters thesis, Universitas Pelita Harapan.

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Abstract

Perkembangan teknologi yang begitu cepat memberi ruang bagi tumbuhnya ekonomi digital khususnya di bidang teknologi keuangan yang kini popular dengan istilah teknologi finansial atau financial technology atau disingkat Fintech. Di Indonesia di dominasi oleh Fintech pembayaran dan pinjaman/pembiayaan dengan skema peer to peer lending atau dikenal dengan P2P lending dan menurut OJK pertumbuhan P2P lending mencapai 110% dalam setahun terakhir. Ditengah pesatnya pertumbuhan jumlah Fintech maupun transaksinya maka terdapat potensi resiko terhadap perusahaan Fintech atau Penyelenggara maupun Pengguna (Penyedia Dana dan Penerima Dana) oleh karenanya diperlukan pengaturan yang mengaturnya termasuk mengenai perlindungan hukum terhadap Pengguna khususnya Penyedia Dana. Berdasarkan latar belakang di atas, maka pokok permasalahan dalam penelitian ini adalah bagaimanakah pengaturan tentang peer to peer lending dalam penyediaan dana berbasis teknologi finansial dan bagaimanakah perlindungan hukum terhadap Penyedia Dana dalam peer to peer lending berbasis teknologi finansial Jenis penelitian yang digunakan adalah penelitian hukum normatif yaitu dengan terlebih dahulu mengkaji kedudukan POJK Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi, dalam sistem peraturan perundang-undangan di Indonesia, kemudian menganalisis pasal-pasal yang mengandung perlindungan hukum. Pendekatan dalam penelitian ini adalah pendekatan yuridis normatif. Jenis data yang digunakan adalah data sekunder. Teknik pengumpulan data dalam penelitian ini menggunakan teknik studi terhadap bahan hukum primer berupa peraturan perundang-undangan yang terkait dengan objek penelitian dan beberapa surat kabar dan artikel. Hasil penelitian menyimpulkan bahwa POJK 77 merupakan produk ketentuan peraturan perundang-undangan yang bisa disejajarkan dengan Peraturan Pemerintah. Makna perlindungan hukum khususnya terhadap Penyedia Dana sudah terkandung di dalamnya dengan beberapa saran untuk lebih menyeluruh / The fast development of technology has provided a room for the growth of digital economy especially in financial technology area which now so called Fintech. In Indonesia, it is dominated by Fintech payment and Fintech lending/financing through peer to peer lending scheme and known as P2P lending. According to OJK, the growth of P2P lending is reached 110% for the last one year. In the amidst of high growth number of Fintech company as well as its respective amount of transaction there would be risks associated to both Fintech company and the parties i.e Lender and Borrower therefore it is crucial to have a setting and provision including rules relates to legal protection for the parties especially for Lender. Based on the aforementioned backgrounds, the main questions of this study are: how are the settings relating to peer to peer lending in term of funds presentation on the basis of financial technology and how are the legal protection toward the Lender in peer to peer lending on the basis of financial technology. This thesis be qualified into the normative legal study, namely by firstly studying the ranking of POJK 77/POJK.01/2016, as a regulation for peer to peer lending activities, within the Indonesia system of Law, and then followed by analyzing its article that contain legal protection. The approach applied in this study is juridical normative approach. Data being used is the secondary data and it is acquired from studying primary legal resources and articles related to this study. The study results show that POJK 77 is the product of Law Regulation that equivalent with that of Government Regulation. The mean of legal protection has been covered in several articles. Although some additional notes is needed to make it more comprehensive

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Saragih, Chrismanto MarulituaUNSPECIFIEDUNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
ContributorSihombing, JonkerUNSPECIFIEDUNSPECIFIED
Uncontrolled Keywords: Perlindungan Hukum; Penyedia Dana; Teknologi Finansial; Legal Protection; Lender; Financial Technology
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Depositing User: Ms Devy Christiany Zega
Date Deposited: 19 Jun 2019 09:04
Last Modified: 19 Jun 2019 09:04
URI: http://repository.uph.edu/id/eprint/3696

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