Wenas, Debora (2022) Perlindungan hukum bagi debitur dalam perjanjian pinjam meminjam secara online di Indonesia. Masters thesis, Universitas Pelita Harapan.
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Abstract
Perkembangan zaman mengakibatkan kemajuan teknologi yang mempengaruhi
pertumbuhan ekonomi khususnya dalam lembaga keuangan di Indonesia, yang saat
ini semakin meningkat baik dibidang perbankan maupun bidang non perbankan.
Seiring terjadinya perkembangan jaman di era globalisasi ini, beragam aktivitas
masyarakat tidak terlepas dari bantuan teknologi. Adanya penguatan prasarana
teknologi internet juga membawa masyarakat ke era digitalisasi dimana hampir
semua data yang kita butuhkan tersedia dengan lebih cepat, efisien dan lebih
mudah. Financial Technology disingkat Fintech adalah implementasi serta
pemanfaatan teknologi untuk meningkatkan layanan jasa keuangan perbankan juga
layanan jasa keuangan non bank yang pada umumnya dilakukan oleh perusahaan
rintisan (Start up). Adapun permasalahan yang timbul saat ini yaitu mengenai
pengaturan pemberian layanan Fintech Peer To Peer Lending yang kurang jelas
kepada pengguna dalam hal ini kepada debitur pinjaman online, serta terkait
pemberian suku bunga yang belum diatur oleh Otoritas Jasa Keuangan sebagai
pengawas layanan Fintech Peer To Peer Lending, melainkan diatur oleh pihak
asosiasi AFTECH. Selain itu hal yang akan dibahas adalah mengenai perlindungan
hukum bagi debitur pinjaman online yang mengalami kondisi keterlambatan bayar
ataupun bayar ataupun gagal bayar. Meskipun pemerintah telah mengeluarkan
aturan dalam layanan Fintech Peer To Peer Lending melalui Peraturan Otoritas Jasa
Keuangan Nomor 77 POJK.01/2016 Tentang Layanan Pinjam Meminjam Berbasis
Teknologi Informasi, akan tetapi peraturan ini masih perlu penambahan sedikit
aturan aturan secara khusus terkait dengan penentuan suku bunga pinjaman online
yang belum masuk didalamnya. Penelitian ini menggunakan metode yuridis
normatif yaitu pengumpulan data yang dilakukan dengan menggunakan pendekatan
undang-undang serta dilakukan telaah terhadap undang-undang dan juga regulasi
terkait. / The times have resulted in technological advances that affect economic growth,
especially in financial institutions in Indonesia, which are currently increasing both
in the banking and non-banking fields. Along with the development of the era in
this era of globalization, various community activities can not be separated from
the help of technology. The existence of internet technology infrastructure has also
brought people into the digitalization era where almost all the data we need is
available on the internet, thus enabling us to perform all activities faster, more
efficiently and more easily. Financial technology is an innovation in the financial
services sector and financial technology to improve banking financial services as
well as non-bank financial services, which are generally carried out by start up
companies. The problems that arise at this time are regarding the regulation of
providing peer to peer lending financial services that are not clear to users in this
case to online credit debtors, as well as related to the provision of interest rates that
not have been regulated by the financial authority as supervisor of peer to peer
lending financial, but regulated by the AFTECH association. In addition, what will
be disscused is about legal protection for online credit debtors who experience
conditions of late payment of failure to pay. Altough the government has issued
regulations for peer to peer lending services through the Financial Services
Authority Regulation Number 77 POJK/2016 concerning Information TecnologyBased Lending Services, this regulation still needs to add few special rules inside
it. This study uses a normative juridical method, namely data collection which is
carried out a using legal approach as well as conducting a study of laws and related
regulations.
Item Type: | Thesis (Masters) |
---|---|
Creators: | Creators NIM Email ORCID Wenas, Debora NIM01659210033 wenasdebora@gmail.com UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email Thesis advisor Sihombing, Jonker NIDN8838820016 UNSPECIFIED |
Uncontrolled Keywords: | Financial Technology ; Layanan Pinjaman Online ; Perjanjian Pinjam Meminjam Secara Online |
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: | Users 23546 not found. |
Date Deposited: | 25 Jun 2022 02:21 |
Last Modified: | 29 Sep 2022 08:43 |
URI: | http://repository.uph.edu/id/eprint/48082 |