Independensi otoritas jasa keuangan sebagai lembaga pengawas atas perusahaan fintech ilegal

Rafael, Alfin (2022) Independensi otoritas jasa keuangan sebagai lembaga pengawas atas perusahaan fintech ilegal. Masters thesis, Universitas Pelita Harapan.

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Abstract

Era Modern yang berkembang begitu pesat salah satunya menyebabkan banyaknya bermunculan perusahaan yang berbasis teknologi yang salah satunya adalah perusahaan financial technology (fintech) guna menawarkan pinjaman dana berupa uang instan kepada masyarakat melalui sebuah aplikasi yang dapat di unduh atau yang biasa disebut sebagai pinjaman online (Pinjol). Di negara Indonesia banyak sekali bermunculan perusahaan berbasis teknologi fintech tersebut ada yang legal (resmi) dan illegal (tidak resmi). Terkait dengan peraturan fintech di Indonesia adalah berasal dari OJK yaitu terkait Lending tertuang dalam Peraturan Otoritas Jasa Keuangan (POJK) Nomor 77/POJK.01/2016 mengenai Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi (LPMUBTI). Penyelenggara wajib mengajukan permohonan perizinan ke OJK. Pada akhirnya masyarakat tergiur dengan promosi dari perusahaan-perusahaan fintech yang menawarkan pinjaman online tersebut, tanpa mengetahui, perusahaan pinjaman online (fintech) tersebut legal ataupun illegal. Banyak sekali, perusahaan-perusahaan fintech yang menawarkan pinjaman online yang belum mempunyai legalitas hukum secara izin resmi sebagai sebuah perusahaan atau dengan kata lain belum mempunyai izin usaha. Dengan ini penulis merumuskan masalah mengenai implementasi kewenangan Otoritas Jasa Keuangan sebagai lembaga pengawas Perusahaan Finansial Teknologi (fintech) di Indonesia menurut peraturan perundang-undangan di Indonesia dan juga Bagaimana upaya yang dilakukan Otoritas Jasa Keuangan dalam memberantas Layanan Fintech Lending yang tidak terdaftar atau disebut Fintech Lending Illegal. untuk bertujuan guna mengetahui bagaimana peran OJK sebagai lembaga pengawas dalam hal mengawasi fintech illegal (tidak resmi) dengan adanya wewenang dari peraturan perundang-undangan di Indonesia dan Untuk mengetahui upaya serta Langkah hukum yang dapat dilakukan OJK dalam memberantas fintech illegal. Jenis penelitian ini merupakan metode penelitian normatif yang bersumber dari Undang-Undang, Pendekatan Konseptual bertujuan untuk mendapatkan kemanfaatan dan kepastian hukum itu sendiri. Dari hasil penelitian penulis menyimpulkan bahwa masih adanya kelemahan dari segi regulasi hukum mengenai pengawasan fintech dan masih diperlukan untuk memberikan regulasi khusus yang lebih tinggi untuk meminimalisir maraknya fintech illegal yang ada di Indonesia serta untuk memeberikan efek jera maka perlu diberlakukanya sanksi pidana tidak hanya penutupan usaha atau pembelokiran yang dilakukan sebelumnya / The modern era is developing so rapidly, one of which is causing many technology-based companies to emerge, one of which is a financial technology company (fintech) to offer loan funds in the form of instant money to the public through an application that can be downloaded or what is commonly referred to as an online loan (Pinjol). ). In Indonesia, there are many companies based on fintech technology, some of which are legal (official) and illegal (unofficial). Regarding fintech regulations in Indonesia, they originate from the OJK, namely related to Lending, contained in the Financial Services Authority Regulation (POJK) Number 77/POJK.01/2016 regarding Information Technology-Based Money Lending Services (LPMUBTI). Organizers are required to apply for licensing to OJK. In the end, people are tempted by promotions from fintech companies that offer online loans, without knowing whether online loan companies (fintech) are legal or illegal. There are lots of fintech companies offering online loans that don't have legal legality as a company or in other words don't have a business license. With this the author formulates the problem regarding the implementation of the authority of the Financial Services Authority as a supervisory institution for Financial Technology (fintech) Companies in Indonesia according to Indonesian laws and regulations and also How are the efforts made by the Financial Services Authority in eradicating unregistered Fintech Lending Services or called Fintech Lending Illegal. to aim to find out how the role of the OJK as a supervisory agency in terms of supervising illegal (unofficial) fintech with the authority of the laws and regulations in Indonesia and to find out the efforts and legal steps that can be taken by the OJK in eradicating illegal fintech. This type of research is a normative research method that originates from the Law, the Conceptual Approach and the Comparative Approach aiming to obtain benefits and legal certainty itself. From the results of the research, the authors conclude that there is still a legal vacuum regarding fintech supervision and it is still necessary to provide higher special regulations to minimize the rise of illegal fintech in Indonesia and to provide a deterrent effect, it is necessary to apply criminal sanctions, not only closing businesses or blocking previously

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Rafael, AlfinNIM01659210046alvinrafael7@gmail.com
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSidabukke, Sahat MarulituaNIDN0327058502sahat@sidabukke.com
Uncontrolled Keywords: Fintech ; Peer to Peer Lending ; Illegal ; Tidak Berizin ; Pinjaman Online ; OJK ; SWI ; Pengawasan
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Depositing User: Users 22128 not found.
Date Deposited: 03 Jan 2023 04:24
Last Modified: 09 Mar 2023 01:25
URI: http://repository.uph.edu/id/eprint/52087

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