Edelweiss, Agatha (2023) Perlindungan hukum terhadap konsumen pinjaman online dari bunga pinjaman yang melebihi suku bunga yang sudah ditetapkan Bank Indonesia. Masters thesis, Universitas Pelita Harapan.
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Abstract
Berkembangnya kemajuan teknologi di era yang modern sangat pesat, terutama pada industri keuangan, biasa juga disebut dengan financial technology atau teknologi keuangan. Adanya kemajuan ini, banyak bermunculan inovasi baru dalam industri keuangan, salah satunya yang cukup digemari oleh Masyarakat Indonesia adalah pinjaman online. Penelitian ini berjenis penelitian normatif empiris. Dengan menggunakan data sekunder yang berupa studi kepustakaan, dan data primer melalui wawancara. Hasil penelitian ini terdapat perlindungan hukum kepada konsumen pinjaman online yang mendapatkan suku bunga yang tinggi. Perlindungan hukum kepada konsumen adalah mendapatkan perlindungan dalam ranah hukum perdata, transparansi informasi yang diberikan oleh penyelenggara terkait dengan bunga pinjaman yang diberikan. Perlindungan hukum terhadap konsumen juga tertera dalam Peraturan Indonesia Nomor 3 Tahun 2023 tentang Perlindungan Konsumen Bank Indonesia Pasal 7. Terdapat pertanggungjawaban bagi pelaku usaha pinjaman online yang memberikan bunga pinjaman melebihi batas maksimal sudah ditentukan. Pertanggungjawaban tersebut berupa sanksi administratif, mulai dari peringatan dalam bentuk tertulis, denda, pembatasan dalam kegiatan berusaha, dan pencabutan izin usaha yang dilakukan oleh Otoritas Jasa Keuangan. Sanksi yang diberikan kepada pelaku usaha ini tertera dalam Peraturan Otoritas Jasa Keuangan tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi Pasal 47. Dari hasil penelitian ini dapat dilihat, bahwa terdapat perlindungan kepada konsumen pinjaman online yang terkena bunga pinjaman yang melebihi batas yang sudah ditentukan. Terdapat sanksi yang diberikan kepada pelaku usaha sebagai bentuk pertanggungjawaban pelaku usaha pinjaman online yang memberikan bunga pinjaman melebihi suku bunga maksimal yang sudah ditentukan. / The development of technological progress in the modern era is very rapid, especially in the financial industry, also known as financial technology. Due to this progress, many innovations have emerged in the financial industry, one of which is quite popular with Indonesian people is online loans. This research is an empirical normative research type. By using secondary data in the form of literature studies, and primary data through interviews. The results of this research provide legal protection for online loan consumers who receive high-interest rates. Legal protection for consumers is to obtain protection in the realm of civil law, and transparency of information provided by providers regarding the loan interest provided. Legal protection for consumers is also stated in Indonesian Regulation Number 3 of 2023 concerning Bank Indonesia Consumer Protection Article 7. There is responsibility for online loan business actors who provide loan interest exceeding the specified maximum limit. This responsibility takes the form of administrative sanctions, ranging from written warnings, fines, restrictions on business activities, and revocation of business permits carried out by the Financial Services Authority. The sanctions given to these business actors are stated in the Financial Services Authority Regulation concerning Information Technology-Based Money Lending and Borrowing Services Article 47. From the results of this research, it can be seen that there is protection for online loan consumers who are subject to loan interest that exceeds the predetermined limit. There are sanctions given to business actors as a form of accountability for online loan business actors who provide loan interest that exceeds the maximum interest rate that has been determined.
Item Type: | Thesis (Masters) | ||||||||
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Uncontrolled Keywords: | Pinjaman online ; suku bunga pinjaman online ; konsumen pinjaman online ; perlindungan konsumen pinjaman 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 |
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Depositing User: | Users 27503 not found. | ||||||||
Date Deposited: | 06 Feb 2024 05:12 | ||||||||
Last Modified: | 06 Feb 2024 05:12 | ||||||||
URI: | http://repository.uph.edu/id/eprint/61524 |
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