Hubungan hukum penyedia dana dengan penyelenggara fintech lending dalam pinjaman fintech lending

Hanels, Cindy Claudia (2022) Hubungan hukum penyedia dana dengan penyelenggara fintech lending dalam pinjaman fintech lending. Masters thesis, Universitas Pelita Harapan.

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Abstract

Fintech lending merupakan salah satu jenis fintech yang pertama kali masuk dan berkembang dengan pesat di Indonesia. Penyelenggara fintech lending berperan sebagai perantara antara pihak penyedia dana dan penerima pinjaman dalam transaksi fintech lending, namun dalam pengaturan hukum positif terkait fintech lending tidak ditemukan pengaturan terkait hubungan hukum antara penyelenggara fintech lending dengan penyedia dana. Tesis ini akan menganalisis pengaturan fintech lending dalam tatanan hukum Indonesia serta hubungan hukum antara penyedia dana dengan penyelenggara fintech lending dalam suatu pinjaman fintech lending. Tesis ini akan menggunakan metode pendekatan normatif, pembelajaran dari hukum yang berlaku, buku, jurnal, tulisan serta wawancara yang dilakukan pada pihak penyelenggara fintech lending. Hasil penelitian akan membahas terkait pengaturan fintech lending dalam hukum di Indonesia, baik dalam produk hukum dan non-produk hukum serperti surat eksternal Otoritas Jasa Keuangan dan ketentuan dari asosiasi terkait. Selanjutnya, berdasarkan hasil penelitian, hubungan antara penyedia dana dan penyelenggara fintech lending adalah hubungan kuasa sebagaimana dalam Pasal 1792 KUHPerdata sehingga berdampak pada hak dan kewajiban yang diemban oleh penyedia dana dan penyelenggara fintech lending, terutama dalam hal risiko kredit. Adapun saran yang dapat diajukan dalam tesis ini adalah menuangkan ketentuan – ketentuan fintech lending yang diterbitkan dalam surat – surat asosiasi dan Otoritas Jasa Keuangan ke dalam produk hukum yang memiliki kekuatan hukum positif serta melakukan sosialisasi yang efektif yang menjangkau segala lapisan masyarakat terkait hubungan hukum antara penyedia dana dengan penyelenggara fintech lending./ Fintech lending is one of the first types of fintech to emerge and rapidly develop in Indonesia. The fintech lending provider acts as an intermediary between the fund provider and the loan recipient in fintech lending transactions, however, in positive laws related to fintech lending, no provisions are to be found related to the legal relationship between fintech lending providers and fund providers. This thesis will analyze fintech lending arrangements in the Indonesian legal system and the legal relationship between fund providers and fintech lending providers in a fintech lending loan. This thesis will use a normative approach, the learnings from applicable laws, books, journals, papers and interviews conducted with fintech lending providers.The results of the thesis will discuss the regulation of fintech lending in Indonesian law, both in positive legal products and non-legal products such as external letters of Financial Services Authority and related association. Furthermore, based on the results of the research, the relationship between fund providers and fintech lending providers is based on power of attorney, as stipulated in Article 1792 of the Civil Code, hence, impacting on the rights and obligations carried out by fund providers and fintech lending providers, especially in terms of credit risk. The advises that can be suggested in this thesis are to have the fintech lending provisions as enacted through the letters of the association and the Financial Services Authority formalized into legal products that have positive legal force and carry out effective socialization that reaches all segments of society regarding legal relations between fund providers with fintech lending providers.

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