Perlindungan hukum bagi nasabah peminjam pada fintech peer to peer lending di Indonesia = Legal protection for borrowers in fintech peer to peer lending in Indonesia

Vatvani, Jevesh Chandru (2020) Perlindungan hukum bagi nasabah peminjam pada fintech peer to peer lending di Indonesia = Legal protection for borrowers in fintech peer to peer lending in Indonesia. Masters thesis, Universitas Pelita Harapan.

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Abstract

Tesis ini bertujuan untuk mendiskripsikan dan menganalisa pengaturan tentang peran OJK dalam mengatur penyelenggaraan perusahaan fintech dan perlindungan hukum bagi nasabah peminjam dalam perusahaan fintech di Indonesia. Metode penelitian yang digunakan di dalam penulisan ini adalah metode yuridis normatif (normative legal research) dengan pendekatan yang berorientasi pada perundang-undang (statue approach) dan sekaligus pendekatan konseptual (conceptual approach). Berdasarkan penelitihan yang telah dilakukan diketahui bahwa OJK sebagai regulator telah mengeluarkan POJK Nomor 77/POJK.01/2016, namun masi ada beberapa peraturan yang memberatkan suatu pihak daripada yang lain. Dalam sisi Perlindungan Hukum bagi nasabah peminjam mencakup beberapa aspek. Pertama, Perlindungan data pribadi dalam penyelenggara layanan Fintech mengacu kepada UU ITE, POJK LPMUBTI dan POJK IKD. Kedua sebagai salah satu bentuk perlindungan hukum preventif bagi pengguna layanan fintech di Indonesia diatur dalam berbagai peraturan yaitu, POJK LPMUBTI untuk memitigasi risiko dan POJK PKSJK. Namun dalam POJK PKSJK belum dapat menjangkau layanan pinjam meminjam uang berbasis teknologi informasi (Financial Technology Peer to Peer Lending) karena belum terdapat ketentuan secara eksplist yang bahas mengenai fintech. Terhakir perlindungan hukum represif, yang mengatakan bahwa penyelesaian sengketa harus dilakukan di Lembaga Jasa Keuangan terlebih dahulu. Selanjutnya yaitu saran yang dapat diberikan oleh penulis terkait dengan hasil pembahasan dan kesimpulan adalah agar Pemerintah membuat regulasi yang mencakup seluruh segi kegiatan usaha. Terkait dengan regulasi yang sudah ada harus disesuaikan dengan perkembangan zaman. Dalam hal perlindungan hukum bagi nasabah peminjam fintech di Indonesia, agar Pemerintah melakukan penyesuaian regulasi dan aturan terkait perlindungan konsumen salah satunya yaitu menambahkan fintech ke dalam kerangka kerja perlindungan konsumen Indonesia serta memberikan penegasan terhadap regulasi atas hak konsumen dalam Fintech jenis layanan pinjam meminjam uang berbasis teknologi informasi (Financial Technology Peer to Peer Lending). / This Thesis aims to describe and analyze the rules in regard to OJK function in governing the fintech companies in Indonesia and also analyze the Legal Protection of borrowers in fintech companies in Indonesia. The research method used in this thesis is normative legal research with the oriented approach to statue approach and conceptual approach. Based on the research conducted, we can conclude that OJK as a regulator has issued a regulation which is POJK Nomor 77/POJK.01/2016, but there are a few clauses in this regulation which place more significance on one party rather than the other. In terms of Legal Protection for borrowers there are a few aspects which are as follows. Firstly, in terms of legal protection for personal data in fintech is discussed in a few statuory regulations which are UU ITE, POJK LPMUBTI and POJK IKD. Secondly, as a preventive measure for fintech users in Indonesia the rules are regulated in a few statuory regulations which are POJK LPMUBTI for risk mitigation and POJK PKSJK. But in POJK PKSJK there isnt a specific stance regrding Financial Technology Peer to Peer Lending as there is no explicit clause which describes about fintech. Lastly, from a legal protection repressive point of view, there is a regulation which describes that the dispute of conflict must be solved first within the financial services institutions. Based on the conclusion of the study, the writer suggestions are as follows. The writer suggests that the government make a regulation which covers all aspects of the fintech companies in Indonesia along with the legal protection of the consumers into one main frame. In regard to the current regulations, it should be updated with the advancement of the techonolgy within time. In terms of legal protection for borrowers of fintech in Indonesia, the writer suggests that the government make amends to a few regualtions in specific to the personal data protection law for the financial industry in which the suggestion is to add fintech consumers as one of the beneficial owners of that regulation.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Vatvani, Jevesh ChandruNIM01659180054jevesh09@gmail.com
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSihombing, JonkerNIDN0324024801jonker.sihombing@uph.edi
Uncontrolled Keywords: fintech ; P2P Lending ; Information Technology-Based Lending and Borrowing Services ; Borrowing Customers ; Legal protection
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: Jevesh C. Vatvani
Date Deposited: 11 Aug 2020 02:00
Last Modified: 11 Aug 2020 02:00
URI: http://repository.uph.edu/id/eprint/9895

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