Karo Karo, Rizky (2024) Penguatan peraturan tentang layanan pendanaan bersama berbasis teknologi informasi berdasarkan keadilan bermartabat = Strengthening regulations on peer-to-peer lending services based on dignified justice. Doctoral thesis, Universitas Pelita Harapan.
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Abstract
Layanan Pendanaan Bersama Berbasis Teknologi Informasi (LPBBTI) merupakan salah satu teknologi finansial yang berkembang pesat, dan memiliki manfaat bagi masyarkat di Indonesia secara individu ataupun Usaha Mikro Kecil dan Menengah (UMKM). Menurut Otoritas Jasa Keuangan Republik Indonesia (OJK) hingga April 2023 dengan jumlah penyaluran pinjaman hingga April 2023 terhadap 34 Provinsi adalah Rp. 17.299 Miliar. Isu hukum pada penyelenggaraan LPBBTI di Indonesia yakni: 1. Penyebaran dan penggunaan LPBBTI ilegal, tidak berizin OJK oleh masyarakat Indonesia; 2. Potensi penyalahgunaan keadaan/ketidakseimbangan para pihak dalam kontrak elektronik (misbruik van omstandigheden; 3. Penggunaan LPBBTI berpotensi terjadinya perbuatan pidana berupa penyebaran data pribadi secara ilegal; 4. Proses penagihan kepada debitur/peminjam yang tidak bermartabat; 5. Tidak ada batas bunga keterlambatab; 6. Potensi gagal bayar; 7. POJK LPBBTI hanya memberikan pengaturan administratif kurang memberikan perlindungan hukum. Tujuan penelitian adalah 1. Untuk memecahkan masalah hukum terhadap penyelenggaraan LPBBTI di Indonesia; 2. Untuk memberikan rekomendasi jangka pendek dan jangka panjang kepada Pemerintah untuk segera merubah POJK LPBBTI baik menjadi POJK baru ataupun Undang-undang tersendiri. Metode penelitian yang digunakan yakni metode penelitian hukum normative didukung dengan penelitian empiris berupa wawancara yang mendalam.
Hasil penelitian pertama bahwa Peraturan Otoritas Jasa Keuangan Nomor 10/POJK.05/2022 tentang Layanan Pendanaan Bersama Berbasis Teknologi Informasi (POJK LPBBTI) adalah peraturan sektoral yang dibentuk oleh OJK. POJK LPBBTI memiliki keterkaitan dengan peraturan perundang-undangan lainnya, misalnya Undang-undang tentang Informasi dan Transaksi Elektronik. Hasil penelitian kedua, perlindungan hukum wajib diberikan kepada para pihak dalam penyelenggaraan LPBBTI dan penegakan hukum wajib ditegakkan baik kepada penyelenggara LPBBTI legal, ilegal, ataupun pengguna yang melakukan perbuatan melawan hukum, penegakan hukum dapat dilakukan dengan alternatif penyelesaian sengketa atau instrument hukum perdata, atau instrument hukum administrasi negara, atau instrument hukum pidana. Hasil penelitian ketiga bahwa penguatan POJK LPBBTI berdasar keadilan bermartabat bertujuan untuk memanusiakan para pihak. Penguatan POJK LPBBTI jangka panjang dilakukan dengan membentuk Undang-undang khusus yang mengatur tentang finansial teknologi, sedangkan penguatan jangka pendek dilakukan dengan merubah POJK LPBBTI. Penguatan tersebut ditujukan sebagai sarana untuk memelihara ketertiban dalam masyarakat sebagaimana tujuan teori pembangunan hukum. / Information Technology-Based Joint Funding Service (LPBBTI) is one of the fastest-growing financial technologies, and has benefits for people in Indonesia individually or Micro, Small and Medium Enterprises (MSMEs). According to the Financial Services Authority of the Republic of Indonesia (OJK), until April 2023, the total loan disbursement until April 2023 to 34 Provinces is IDR 17,299 billion. Legal issues in the implementation of LPBBTI in Indonesia are: 1. The distribution and use of illegal LPBBTI, not licensed by OJK by the people of Indonesia; 2. Potential abuse of circumstances/imbalances of the parties to the electronic contract (e.g. van omstandigheden; 3. The use of LPBBTI has the potential to cause criminal acts in the form of illegal dissemination of personal data; 4. The process of collecting debtors/borrowers who are not dignified; 5. There is no late interest limit; 6. Potential default; 7. POJK LPBBTI only provides administrative arrangements lacking legal protection. The objectives of the study are 1. To solve legal problems against the implementation of LPBBTI in Indonesia; 2. To provide short-term and long-term recommendations to the Government to immediately change the LPBBTI POJK either into a new POJK or a separate law. The research method used is a normative legal research method supported by empirical research in the form of in-depth interviews.
The first research results that the Financial Services Authority Regulation Number 10/POJK.05/2022 concerning Information Technology-Based Joint Funding Services (POJK LPBBTI) is a sectoral regulation formed by OJK. POJK LPBBTI is related to other laws and regulations, such as the Law on Electronic Information and Transactions. The results of the second study, legal protection must be provided to parties in the implementation of LPBBTI and law enforcement must be enforced both to legal, illegal, or user LPBBTI organizers who commit unlawful acts, law enforcement can be carried out with alternative dispute resolution or civil law instruments, or state administrative law instruments, or criminal law instruments. The third research results that the strengthening of POJK LPBBTI based on dignified justice aims to humanize the parties. Long-term strengthening of LPBBTI POJK is carried out by forming a special law regulating technology finance, while short-term strengthening is carried out by amending LPBBTI POJK. The strengthening is intended as a means to maintain order in society as the purpose of the theory of legal development.
Item Type: | Thesis (Doctoral) |
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Creators: | Creators NIM Email ORCID Karo Karo, Rizky NIM01657210019 01657210019@student.uph.edu UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email Thesis advisor Prasetyo, Teguh NIDN0606076101 UNSPECIFIED Thesis advisor Sitompul, Manahan MP. NIDN8915280023 UNSPECIFIED |
Uncontrolled Keywords: | Teknologi Finansial ; LPBBTI ; Keadilan Bermartabat ; OJK |
Subjects: | K Law > K Law (General) |
Divisions: | University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Doctor of Law Current > Faculty/School - UPH Karawaci > Faculty of Law > Doctor of Law |
Depositing User: | Rizky Pratama Putra Karo Karo |
Date Deposited: | 01 Oct 2024 09:23 |
Last Modified: | 01 Oct 2024 09:23 |
URI: | http://repository.uph.edu/id/eprint/65414 |