Perlindungan konsumen terhadap pemberi pinjaman pada perusahaan financial technology atas terjadinya gagal bayar atau wanprestasi

Stiawati, Riny (2022) Perlindungan konsumen terhadap pemberi pinjaman pada perusahaan financial technology atas terjadinya gagal bayar atau wanprestasi. Masters thesis, Universitas Pelita Harapan.

Preview	Text (Title) CT_01659210041_Riny Stiawati.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (37kB) | Preview
Preview	Text (Abstract) Abstract.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (163kB) | Preview
Preview	Text (ToC) ToC.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (172kB) | Preview
	Text (Chapter1) Chapter1.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (283kB)
	Text (Chapter2) Chapter2.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (594kB)
	Text (Chapter3) Chapter3.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (270kB)
	Text (Chapter4) Chapter4.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (543kB)
	Text (Chapter5) Chapter5.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (47kB)
Preview	Text (Bibliography) Bibliography.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (295kB) | Preview
	Text (Appendices) Appendices_watermark.pdf Restricted to Repository staff only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (4MB)

Abstract

Perkembangan teknologi telah menciptakan berbagai inovasi yang memudahkan kehidupan sehari-hari masyarakat, salah satunya ialah inovasi layanan pinjam meminjam uang berbasis teknologi informasi atau Peer-to-Peer Lending. Kemudahan untuk menyalurkan pinjaman maupun memperoleh pinjaman pada layanan ini telah membawa popularitas yang tinggi di kalangan masyarakat. Namun, perkembangan yang begitu cepat tidak dapat diikuti oleh regulasi yang ada saat ini. belum cukupnya perlindungan konsumen terhadap pemberi pinjaman atas penyaluran dana tanpa jaminan pada layanan ini, terlebih penyelenggara platform menambahkan perjanjian baku yang menyatakan bahwa penyelenggara platform tidak bertanggung jawab atas segala gagal bayar yang dilakukan oleh penerima pinjaman. Tujuan dari penyusunan penulisan ini ialah untuk mengertahui perlindungan konsumen terhadap pemberi pinjaman pada transaksi Peer-to-Peer Lending. Penelitian ini merupakan penelitian hukum normatif dengan bahan penelitian sekunder dan primer. Hasil penelitian menunjukan bahwa perlindungan hukum terhadap pemberi pinjaman pada layanan Peer-to-Peer Lending sebenarnya termuat dalam peraturan khusus yaitu POJK No 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi, dan Adapun beberapa perlindungan hukum preventif dan represif diluar itu namun peraturan tersebut dianggap kurang mengakomodir atau memberikan perlindungan kepada pemberi pinjaman. Sehingga di harapkan dari pihak penyelenggara platform dapat ikut turut meminimalisir risiko dengan penerapan Good Company Governance dan sistem Know Your Customer (KYC) yang lebih baik dan ketat./Rapid development of technology has created various innovations that facilitate society's needs, one of the innovation is information technology-based loan services or Peer-to-Peer Lending. The easy process of disbursing and obtaining loans has brought high popularity to this service among the public. However, rapid development of this services are not prepared with adequate regulations. There’s no sufficient legal protection for lenders whose channeling funds without collateral through this service, moreover the platform organizer has added a standard agreement stating that the platform operator is not responsible for any defaults made by the loan recipient. The purpose of this research is to understand the legal protection towards lenders in Peer-to-Peer Lending transactions. This research is a normative legal research with secondary and primary research materials. The results of the study show that legal protection for lenders in Peer-to-Peer Lending services is actually contained in a special regulation POJK No 77/POJK.01/2016 about Information Technology-Based Loan Services, and there are preventive and repressive legal protections as well. however these regulations can’t really accommodate or provide legal protection for lenders. Expected on good faith that the platform organizer can be of service to help in risk controlling by implementing great know your customer system and implementing Good Company Governance.

Actions (login required)

View Item