Kajian yuridis perlindungan konsumen dalam praktik fintech (financial technology) ilegal (studi putusan perkara nomor 3115 K/Pdt/2021)

Sugihono, Billy (2024) Kajian yuridis perlindungan konsumen dalam praktik fintech (financial technology) ilegal (studi putusan perkara nomor 3115 K/Pdt/2021). Masters thesis, Universitas Pelita Harapan.

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Abstract

Dalam era globalisasi, financial technology (fintech) telah memungkinkan masyarakat mengakses layanan keuangan dengan cepat dan efisien. Namun, munculnya fintech ilegal menghadirkan risiko bagi konsumen, seperti kerugian finansial dan pelanggaran privasi. Perlindungan hukum bagi korban praktik fintech ilegal menjadi penting untuk menjaga keamanan dan hak-hak konsumen. Penelitian ini bertujuan untuk mengidentifikasi konsekuensi hukum terhadap fintech P2PL illegal dan mengevaluasi perlindungan hukum bagi korban dalam konteks studi kasus Putusan Nomor 3115 K/PDT/2021. Penelitian ini menggunakan metode yuridis normatif dengan menganalisis teks hukum yang relevan, seperti undang-undang, peraturan perundang-undangan, dan putusan pengadilan. Hasil Penelitian menunjukan bahwa konsekuensi hukum terhadap fintech ilegal meliputi tindakan penegakan hukum, kompensasi bagi korban, upaya pencegahan melalui regulasi, dan perlindungan konsumen yang lebih baik. Korban praktik fintech ilegal memperoleh perlindungan hukum dari regulasi dan penegakan hukum yang ada. Putusan pengadilan, seperti Studi Putusan Nomor 3115 K/PDT/2021, menjadi preseden hukum yang penting dalam mengatasi praktik ilegal ini. Dengan demikian, penelitian ini memberikan pemahaman yang lebih baik tentang perlindungan konsumen dalam praktik fintech ilegal dan menekankan pentingnya regulasi yang ketat serta penegakan hukum yang efektif dalam menjaga integritas industri fintech dan kepercayaan publik. Kata Kunci: Perlindungan Konsumen, Praktik Fintech Ilegal/ In the era of globalization, financial technology (fintech) has enabled society to access financial services quickly and efficiently. However, the emergence of illegal Fintech presents risks to consumers, such as financial losses and privacy breaches. Legal protection for victims of illegal fintech practices is important to ensure the safety and rights of consumers. This study aims to identify the legal consequences of illegal P2PL Fintech and evaluate legal protection for victims in the context of the case study Decision Number 3115 K/PDT/2021. The study uses a normative juridical method by analyzing relevant legal texts, such as laws, regulations, and court decisions. The results show that the legal consequences of illegal Fintech include law enforcement actions, compensation for victims, regulatory prevention efforts, and improved consumer protection. Victims of illegal Fintech practices receive legal protection from existing regulations and law enforcement. Court decisions, such as Decision Study Number 3115 K/PDT/2021, serve as important legal precedents in addressing these illegal practices. Thus, this research provides a better understanding of consumer protection in illegal fintech practices and emphasizes the importance of strict regulations and effective law enforcement in maintaining the integrity of the fintech industry and public trust

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