The implementation of legal principles of conventional banking to enhance consumer protection in peer to peer lending = Implementasi prinsip-prinsip hukum dalam bank konvensional untuk meningkatkan perlindungan konsumen dalam pinjam meminjam berbasis online

Sugih, Louisa Graciella (2020) The implementation of legal principles of conventional banking to enhance consumer protection in peer to peer lending = Implementasi prinsip-prinsip hukum dalam bank konvensional untuk meningkatkan perlindungan konsumen dalam pinjam meminjam berbasis online. Bachelor thesis, Universities Pelita Harapan.

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Abstract

This study aims to analyze how regulators can refer to commercial bank loan regulations to issue legislation to protect borrowers and lenders in the online lending and borrowing industry in Indonesia. Although there are various differences between conventional bank lending and loan schemes and online-based lending, there are legal principles that can be applied. This research shows that online lending and borrowing regulations in Indonesia concerning consumer protection focus on information system risk mitigation and have not yet issued regulations stipulating consumer protection against credit including debt collector activities, bad credit, and credit risk mitigation. To fill this legal vacuum, laws and regulations that have applied to loans at commercial banks can be used as a reference for the online lending and borrowing industry with restrictions. This research will compare several conventional bank legal principles such as risk management, disclosure, protection of personal data and information asymmetry with applicable regulations related to online lending and borrowing. Recognizing this problem, the government can consider revising applicable laws or drafting laws and regulations to protect consumers in lending and borrowing online, especially in the aspect of credit. / Penelitian ini bertujuan untuk menganalisis bagaimana regulator dapat mengacu pada peraturan pinjaman bank umum untuk mengeluarkan peraturan perundang- undangan untuk melindungi peminjam dan pemberi pinjaman dalam industri pinjam meminjam online di Indonesia. Walau terdapat berbagai perbedaan antara skema pinjam meminjam bank konvensional dan pinjam meminjam berbasis online, namun terdapat prinsip-prinsip hukum yang dapat diterapkan. Penelitian ini menunjukkan bahwa peraturan pinjam meminjam online di Indonesia tentang perlindungan konsumen fokus pada mitigasi risiko sistem informasi dan belum mengeluarkan peraturan yang menetapkan perlindungan konsumen terhadap kredit termasuk aktivitas debt collector, kredit macet, dan mitigasi risiko kredit. Untuk mengisi kekosongan hukum ini, undang- undang dan peraturan yang telah berlaku pada pinjaman pada Bank umum dapat dijadikan acuan untuk industri pinjam meminjam online dengan batasan-batasan. Penelitian ini akan membandingkan beberapa prinsip-prinsip hukum bank konvensional seperti manajemen resiko, keterbukaan, perlindungan terhadap data pribadi dan asemetri informasi dengan peraturan yang berlaku terkait pinjam meminjam online. Menyadari masalah ini, pemerintah dapat mempertimbangkan untuk merevisi undang-undang yang berlaku atau menyusun hukum dan peraturan untuk melindungi konsumen dalam pinjam meminjam online khususnya dalam aspek kredit.

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