Penerapan prinsip kehati-hatian dalam layanan peer to peer (P2P) lending di Indonesia

Patria, Valentino Gola (2020) Penerapan prinsip kehati-hatian dalam layanan peer to peer (P2P) lending di Indonesia. Masters thesis, Universitas Pelita Harapan.

	Text (Title) ilovepdf_merged (1).pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (1MB)
Preview	Text (Abstract) Abstract.pdf.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (1MB) | Preview
Preview	Text (ToC) ToC.pdf.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (1MB) | Preview
Preview	Text (Chapter1) Chapter1.pdf.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (2MB) | Preview
	Text (Chapter2) Chapter2.pdf.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (2MB)
	Text (Chapter3) Chapter3.pdf.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (1MB)
	Text (Chapter4) Chapter4.pdf.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (6MB)
	Text (Chapter5) Chapter5.pdf.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (635kB)
Preview	Text (Bibliography) Bibliography.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (851kB) | Preview
	Text (Appendices) Appendices.pdf Restricted to Repository staff only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (9MB)

Abstract

One of the principles in the exemplary management of financial house is the management based on the prudential principles . Peer to Peer (p2p) lending is a financial service that must be properly managed including the implementation of prudential principles in order to grow financial industry be healthy and sustainable. This research purposed to examine the matters related to the regulations and implementations of the prudential principles in Peer to Peer (P2P) lending services in Indonesia. In this study, the writer used the rule of law and the legal security theories in analyzing the problems. The relevance of these theories is on the topic of the study, the reason is the essence of the prudential principles providing the rule of law and the legal security in peer to peer (P2P) lending services. This study used the juridical normative method with qualitative data that were descriptive and analytical in nature. In this study, secondary data was used which obtained in the library, by reviewing, analyzing and processing literature, legislation, articles or texts related to the problems. The result of the research is the Financial Services Authority (FSA) makes arrangements for implementing P2P lending based on the principles (the principles based on the regulations) just organizes the main regulations as a reference for the industries to put more implementation rules or operational standards for their business. The implementation of prudential principle carried out in the form of regulations and monitoring by the organizers themselves (market discipline). This reduced the legal security certainty aspect since making standards for the implementation of the prudential principles that differ from the organizers. Finally, it impacted on legal security for the user. There are many weaknesses in the implementation of prudential principles in the management of Peer to Peer (P2P) lending. It is a need for stricter regulations on violations of prudential principles, such as in banking which can be subjected to punishments and fines for the legal security for the users of P2P lending services. / Salah satu prinsip dalam pengelolaan lembaga keuangan yang baik adalah pengelolaan berdasarkan prinsip kehati-hatian. Peer to Peer (P2P) Lending merupakan layanan jasa keuangan yang harus diatur dengan baik termasuk penerapan prinsip kehati-hatian sehingga dapat menciptakan industry keuangan yang tumbuh sehat dan berkelanjutan.Penelitian ini bertujuan mengkaji hal-hal terkait mengenai pengaturan dan pelaksanaan prinsip kehati-hatian dalam layanan Peer to Peer (P2P) lending di Indonesia. Dalam penelitian ini, penulis menggunakan teori kepastian hukum dan teori perlindungan hukum dalam membedah permasalahan dalam penelitian. Relevansi kedua teori tersebut pada topik penelitian, karena pada dasarnya esensi prinsip kehati-hatian akan memberikan kepastian hukum dan perlindungan hukum dalam layanan peer to peer (P2P) lending. Penelitian ini dilakukan dengan menggunakan metode yuridis normatif dengan jenis penelitian kualitatif yang bersifat deskriptif analitis. Dalam penelitian ini digunakan data sekunder yang diperoleh diperoleh melalui kepustakaan, dengan mengkaji, menelaah dan mengolah literatur, peraturan perundangan-undangan, artikel atau tulisan yang berkaitan dengan permasalahan yang akan diteliti. Hasil yang diperoleh dari penelitian ini adalah pihak Otoritas Jasa Keuangan(OJK) melakukan pengaturan kepada penyelenggara P2P lending berdasarkan prinsip (principle based regulations) yang hanya mengatur pokok regulasi sebagai acuan bagi industri untuk merumuskan lebih rinci peraturan pelaksanaan atau standar operasional untuk bisnisnya. Penerapan prinsip kehati-hatian (prudential principle) dilaksanakan dalam bentuk pengaturan dan pemantauan oleh para pelaku pasar sendiri (disiplin pasar).Hal ini mengurangi aspek kepastian hukum, karena menimbulkan standar penerapan prinsip kehati-hatian yang berbeda-beda diantara penyelenggara yang pada akhirnya berdampak pada perlindungan hukum bagi pengguna layanan tersebut. Masih banyak terdapat kelemahan penerapan prinsip kehati-hatian dalam tata kelola Peer to Peer (P2P) lending. Diperlukan pengaturan yang lebih tegas atas pelanggaran prinsip kehati-hatian seperti halnya di perbankan yang dapat dikenakan sanksi pidana dan denda demi perlindungan hukum bagi pengguna layanan P2P lending

Actions (login required)

View Item