Perlindungan Hukum bagi Konsumen atas Pencantuman Klausula Eksoner dalam Bisnis Pinjam-Meminjam Uang Berbasis Teknologi Informasi di Indonesia

The purpose of this study is to analyze the legal basis for consumer protection and forms of consumer protection for the inclusion of exoneration clauses in financial technology peer to peer lending. This paper uses normative juridical methods for reviewing and analyzing the application of rules, regulations, and positive legal norms contained in the legislation. The analysis technique uses analytical prescriptive. The results of the study show that there are currently three regulations relating to consumer protection of Financial Technology Peer to Peer Lending in Indonesia, i.e. the Consumer Protection Act, Financial Services Authority Regulation Number 77/ POJK.01/2016 concerning Financial Technology Peer to Peer Lending, and the Law Number 11 of 2008 concerning Information and Electronic Transactions. The form of consumer protection for consumers over financial technology peer to peer lending with addition of clause exoneration is to impose sanctions on the organizer in the form of warning letters, fines, restrictions on business activities, and revocation of licenses granted by the Financial Services Authority. If through giving sanctions the consumer still feels disadvantaged, the consumer can resolve the problem through the District Court or outside the court by the Consumer Dispute Resolution Board.

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PERAN OTORITAS JASA KEUANGAN CIREBON PADA PERLINDUNGAN KONSUMEN FINANCIAL TECHNOLOGY LENDING

J-ISCAN: Journal of Islamic Accounting Research ◽

10.52490/j-iscan.v3i1.1108 ◽

2021 ◽

Vol 3 (1) ◽

pp. 1-22

Author(s):

Syaeful Bakhri ◽

Layaman Layaman ◽

Muh Iqbal Alfan

Keyword(s):

Data Collection ◽

Consumer Protection ◽

Financial Services ◽

Peer To Peer ◽

Triangulation Method ◽

Peer Lending ◽

The Government ◽

Financial Technology

The Financial Services Authority (itself is an institution that is independent and free from interference from other parties, which has the functions, duties and authority of regulation, supervision, inspection and investigation. Consumers themselves are one of the unimportant in running their business. From the government, they act really how to support customers with challenges faced by consumers, in terms of consumer financial services protection, the Financial Services Authority (OJK) and the government's extension of the peer to peer lending. The method used in this research is qualitative by using normative juridical. Data collection techniques were carried out using the triangulation method with observation, interviews and documentation. The efforts of the financial authorities related to consumer protection are already good with SATGAS Investment Alert, fintech emergency numbers, but it is still has not been maximized and needs to be increased again. The community itself still believes that applications with four or more stars and good reviews are official applications.

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Penerapan Konsep Utilitarianisme Untuk Mewujudkan Perlindungan Konsumen Yang Berkeadilan Kajian Peraturan Otoritas Jasa Keuangan Nomor: 1/POJK.07/2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan

Syariah Jurnal Hukum dan Pemikiran ◽

10.18592/sy.v19i1.2296 ◽

2019 ◽

Vol 19 (1) ◽

pp. 15

Author(s):

Dwi Edi Wibowo

Keyword(s):

Consumer Protection ◽

Financial Services ◽

Peer To Peer ◽

Financial Industry ◽

Fast Process ◽

Bank Institution ◽

P2p Lending ◽

Peer Lending ◽

Financial Technology

Abstrak Peranan internet dalam teknologi informasi telah digunakan untuk mengembangkan industri keuangan (financial industry) melalui modifikasi dan efisiensi layanan jasa keuangan yaitu dikenal dengan istilah Financial Technology atau Fintech. Fintech jenis pinjam-miminjam uang berbasis teknologi atau peer to peer lending (P2P-lending) merupakan jenis Fintech yang tumbuh pesat di Indonesia, kelebihan pinjam meminjam uang melalui layanan P2P-lending lainnya adalah syarat yang sangat mudah dan proses yang cepat dibandingkan meminjam uang melalui Lembaga Bank. Namun kemudahan transaksi yang ditawarkan oleh layanan P2P- lending justru memperlemah posisi dari konsumen. Permasalahan Bagaimanakah Penerapan Konsep Utilitarianisme Untuk Mewujudkan Perlindungan Konsumen Fintech. (Financial Technology) Yang Berkeadilan, Tujuan untuk mengetahui bagaimanakah penerapan konsep utilitarianisme untuk mewujudkan perlindungan kosnumen fintech ( finansial technology yang berkeadilan . Kata kunci : utilitarianisme, perlindungan konsumen, berkeadilan Abstrak The role of the internet in information technology has been used to develop the financial industry through the modification and efficiency of financial services, known as Financial Technology or Fintech. Fintech borrows money based on technology or peer to peer lending (P2P-lending) is a fast-growing type of Fintech in Indonesia, the advantages of lending and borrowing via other P2P-lending services are very easy conditions and a fast process compared to borrowing money through Bank Institution. But the ease of transactions offered by P2P-lending services actually weakens the position of consumers. Problems How to Implement the Utilitarianism Concept to Realize Fintech Consumer Protection. (Financial Technology) that is just, the aim is to find out how the application of the concept of utilitarianism is to realize the protection of fintech consumers (equitable technology finance. Keywords: utilitarianism, consumer protection, justice

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Perlindungan Hukum Pengguna Layanan Teknologi Finansial (Financial Technology) Pinjam Meminjam Uang Berbasis Teknologi Informasi (Peer To Peer Lending)

Jurnal Hukum Kaidah: Media Komunikasi dan Informasi Hukum dan Masyarakat ◽

10.30743/jhk.v20i1.3260 ◽

2020 ◽

Vol 20 (1) ◽

pp. 63-82

Author(s):

Nurasiah Harahap

Keyword(s):

Information Technology ◽

Financial Services ◽

Legal Protection ◽

Field Research ◽

Secondary Data ◽

Peer To Peer ◽

Library Research ◽

Technology Service ◽

Peer Lending ◽

Financial Technology

Financial Technology is the implementation and utilization of technology to improve banking and financial services which are generally carried out by startup companies by utilizing the latest software, internet, communication and computing technologies.The research conducted was juridical empirical and normative juridical research, namely field research with interviews as a basis for problem solving and analyzing statutory regulations. The data used are primary and secondary data, then the data collection methods used in this study are library research and field research. The data analysis used is a qualitative method.The results show that the legal protection of users of the Financial Technology (Financial Technology) service of borrowing and borrowing money based on information technology (Peer to Peer Lending) has been carried out by the Financial Services Authority (OJK) and its staff by means of supervision, examination and investigation based on the Financial Services Authority Regulation No. 77 / POJK.01 / 2016 concerning Information Technology-Based Lending and Borrowing Services.The conclusion is that the legal protection of users of the Financial Technology (Financial Technology) service of lending and borrowing money based on information technology (Peer to Peer Lending) can be realized in a preventive and repressive manner. Basically, the Operator does not have direct legal consequences that make risk transfer to the Operator. Keywords: Financial Technology, Peer to Peer Lending, Legal Protection for Users / Consumers.

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Pengaruh Payment Gateway dan Peer to Peer Lending (P2P) terhadap Peningkatan Pendapatan di Kota Palembang

Jurnal Ilmiah Ekonomi Global Masa Kini ◽

10.36982/jiegmk.v11i1.1063 ◽

2020 ◽

Vol 11 (1) ◽

pp. 63

Author(s):

Endah Dewi Purnamasari

Keyword(s):

Financial Services ◽

Peer To Peer ◽

T Test ◽

Test Reliability ◽

Primary Data ◽

Coefficient Of Determination ◽

Purposive Sampling ◽

Analysis Technique ◽

Peer Lending ◽

Payment Gateway

<div class="page" title="Page 1"><div class="layoutArea"><div class="column">ABSTRACTFintech is an innovation that has emerged in the field of financial services. Fintech changed the habits of public financial transactions. There are 2 types of fintech that are very popular for SMEs, namely Payment Gateway and Peer to Peer Lending (P2P). This study aims to analyze the effect of Payment Gateway and Peer to Peer Lending (P2P) on the increase in MSME income in the city of Palembang. The type of data used is primary data with data sources derived from questionnaires and interviews. The sampling method used in this study is purposive sampling, where the sample in this study is only for the types of MSMEs that are engaged in culinary and fashion in Pakembang. The analysis technique uses validity test, reliability test, normality test, coefficient of determination test (R2) and partial test (t test). Based on the results of the t test and the f test it can be concluded that there is an influence of Payment Gateway and Peer to Peer Lending (P2P) to increase revenue.Keywords: Fintech, Revenue, SMEABSTRAKFintech merupakan inovasi yang muncul di bidang jasa keuangan. Fintech mengubah kebiasaan transaksi keuangan masyarakat. Ada 2 jenis fintech yang sangat popular bagi pelaku UMKM yaitu Payment Gateway dan Peer to Peer Lending (P2P). Penelitian ini bertujuan untuk menganalisis pengaruh Payment Gateway dan Peer to Peer Lending (P2P) terhadap peningkatan pendapatan UMKM di kota Palembang. Jenis data yang digunakan adalah data primer dengan sumber data berasal dari kuisioner dan wawancara. Metode penarikan sampel yang digunakan pada penelitian ini yaitu purposive sampling, di mana sampel pada penelitian ini hanya pada jenis UMKM yang bergerak di bidang kuliner dan fashion di Kota Pakembang. Teknik analisis menggunakan uji validitas, uji reliabilitas, uji normalitas, uji koefisien determinasi (R2) dan uji parsial (uji t). Berdasarkan hasil uji t dan uji f dapat disimpulkan bahwa terdapat pengaruh Payment Gateway dan Peer to Peer Lending (P2P) terhadap peningkatan pendapatan.</div></div><img src="blob:http://ejournal.uigm.ac.id/ea46f45e-78f8-4282-80f3-03240d33a989" alt="page1image60066624" width="89.760000" height="0.480000" /><div class="layoutArea"><div class="column">Kata Kunci: Fintech, Peningkatan Pendapatan, UMKM</div></div></div>

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STRATEGI AGILITAS BISNIS PEER-TO-PEER LENDING STARTUP FINTECH DI ERA KEUANGAN DIGITAL DI INDONESIA

AdBispreneur ◽

10.24198/adbispreneur.v4i1.20595 ◽

2019 ◽

Vol 4 (1) ◽

pp. 19

Author(s):

Chandra Hendriyani ◽

Sam un Jaja Raharja

Keyword(s):

Financial Services ◽

Peer To Peer ◽

Technology Literacy ◽

Literature Study ◽

Business Agility ◽

Technological Developments ◽

Peer Lending ◽

The Government ◽

Data Collection Technique ◽

Financial Technology

Technological developments have encouraged financial technology literacy where Fintech startups came into the world of peer to peer lending to bridge the gap between conventional banking and those who cannot get capital from banks. The technology allows the process of financial facilitation to become more convenient, faster, and more cost-efficient. Fintech has a big opportunity in Indonesia and the government has protected customers by the regulation of Authority of Financial Services Number 77/POJK.01/2016 Indonesian Fintech about money lending services based on information technology. This study is intended to illustrate a strategy business agility in financial technology companies that perform peer-to-peer lending. The method used in this study was qualitative research with descriptive approach. The data collection technique applied is literature study. The results show that P2P lending companies have already performed a strategy business agility to grab customers in the era of digital financial in Indonesia by using platform technology that they have made which is a simple application for gaining competitive advantages.Perkembangan teknologi telah mendorong percepatan teknologi keuangan di mana startup Fintech peer to peer lending muncul untuk mengambil peluang pasar konsumen yang tidak bisa mendapatkan modal dari bank konvensional. Teknologi yang diterapkan membuat fasilitas keuangan menjadi lebih nyaman, cepat dan lebih hemat biaya. Fintech memiliki peluang besar di Indonesia dan pemerintah telah melindungi pelanggan dengan peraturan Otoritas Jasa Keuangan Nomor 77 / POJK.01 / 2016 Fintech Indonesia tentang layanan peminjaman uang berbasis teknologi informasi. Penelitian ini dimaksudkan untuk menggambarkan strategi agilitas bisnis di perusahaan teknologi keuangan yang melakukan peer to peer lending. Metode yang digunakan dalam penelitian ini adalah penelitian kualitatif dengan pendekatan deskriptif. Teknik pengumpulan data yang digunakan adalah studi literatur. Hasil penelitian menunjukkan bahwa perusahaan peer to peer lending telah melakukan strategi agilitas bisnis untuk meraih pelanggan di era keuangan digital di Indonesia dengan menggunakan platform teknologi dan membuat aplikasi sederhana untuk mendapatkan keunggulan kompetitif.

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The Fintech Phenomenon: Protection of Consumer Privacy Data in Online Lending

Jurnal Kajian Ilmiah ◽

10.31599/jki.v21i2.564 ◽

2021 ◽

Vol 21 (2) ◽

pp. 185-194

Author(s):

Ika Dewi Sartika Saimima ◽

Valentino Gola Patria

Keyword(s):

Financial Services ◽

Legal Theory ◽

Personal Data ◽

Peer To Peer ◽

Legal Norms ◽

Consumer Privacy ◽

P2p Lending ◽

Peer Lending ◽

The One ◽

Online Lending

Abstract Financial technology innovation that occurs nowadays leads to accelerated changes in the financial sector. However, these developments are like double-edged swords, on the one hand they provide convenience for consumers, on the other hand pose risks for consumers related to the confidentiality of their personal data. Money lending business through Peer to Peer lending (P2P lending) system often results in consumers receiving threats when they are late making payments. This paper presents several cases that result in consumers experiencing personal data theft, receiving threats directed at relatives or acquaintances. Even committing fraud by taking money from borrowers or customers without following the regulations made by the Financial Services Authority (OJK). The research data is carried out in a qualitative normative way where the data is translated based on legal norms and uses legal theory that can explain and answer existing legal problems. Keywords: Consumer Protection, Peer to Peer lending (P2P lending), Private Data Protection Abstrak Inovasi teknologi keuangan yang terjadi saat ini mengarah pada akselerasi perubahan di sektor keuangan. Namun perkembangan tersebut ibarat pedang bermata dua, di satu sisi memberikan kemudahan bagi konsumen, di sisi lain menimbulkan risiko bagi konsumen terkait kerahasiaan data pribadinya. Bisnis money lending melalui sistem Peer to Peer lending (P2P lending) seringkali mengakibatkan konsumen mendapat ancaman ketika mereka terlambat melakukan pembayaran. Makalah ini menyajikan beberapa kasus yang mengakibatkan konsumen mengalami pencurian data pribadi, menerima ancaman yang ditujukan kepada kerabat atau kenalan. Bahkan melakukan penipuan dengan mengambil uang dari debitur atau nasabah tanpa mengikuti ketentuan Otoritas Jasa Keuangan (OJK). Data penelitian dilakukan secara normatif kualitatif dimana datanya diterjemahkan berdasarkan norma hukum dan menggunakan teori hukum yang dapat menjelaskan dan menjawab permasalahan hukum yang ada. Kata kunci: Peer to Peer lending (P2P lending), Perlindungan Konsumen, Perlindungan Data Pribadi Kata Kunci: Perlindungan Konsumen, Peer to Peer lending (P2P lending), Perlindungan Data Pribadi

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PERLINDUNGAN HUKUM BAGI PEMBERI PINJAMAN ATAS RISIKO KREDIT DALAM PELAKSANAAN PINJAM MEMINJAM UANG BERBASIS TEKNOLOGI INFORMASI (PEER TO PEER LENDING)

Jurnal Hukum Mimbar Justitia ◽

10.35194/jhmj.v6i2.1268 ◽

2020 ◽

Vol 6 (2) ◽

pp. 129

Author(s):

Indah Kusuma Wardhani ◽

Fawzia Apriandini

Keyword(s):

Credit Risk ◽

Financial Institutions ◽

Financial Services ◽

Legal Protection ◽

Peer To Peer ◽

Services Sector ◽

Financial Services Sector ◽

Peer Lending ◽

Very High ◽

Financial Technology

The fastest growing financial technology (fintech) in Indonesia is peer to peer lending, where customers could obtain loans in a simple, easy, and fast way, yet without collateral. However, in practice, peer to peer lending has a very high credit risk because the ability of fintech companies in assessing prospective loan recipients is not as good as other financial institutions. Therefore, preventive and repressive legal protection are needed, especially for lenders, which are regulated in OJK Regulation Number 77/POJK.01/2016 concerning the Implementation of Information Technology-Based Lending and Borrowing and OJK Regulation Number 1/POJK.07/2013 concerning Consumers’ Protection in Financial Services Sector. With the two OJK Regulations, lenders have received sufficient legal protection, but it must be further strengthened, especially in terms of credit risk mitigation.Keywords: Legal Protection for Lenders, Peer To Peer Lending, Credit Risk

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INDONESIAN FINTECH: BUSINESS ECOSYSTEM AND REGULATION

Diponegoro Law Review ◽

10.14710/dilrev.5.2.2020.277-295 ◽

2020 ◽

Vol 5 (2) ◽

pp. 277-295

Author(s):

Sugeng Sugeng ◽

Clara Ignatia Tobing ◽

Rona Fajarwati

Keyword(s):

Financial Services ◽

Secondary Data ◽

Peer To Peer ◽

Social Phenomena ◽

Business Ecosystem ◽

Criminal Offenses ◽

Electronic Transactions ◽

P2p Lending ◽

Short Time ◽

Financial Technology

This article will examine the development of the business ecosystem and regulation of Financial Technology (Fintech) in Indonesia, especially lending through electronic transactions, or peer to peer lending (P2P Lending). Although the Financial Services Authority (OJK) has closed the company's activities, but in a short time other illegal companies have emerged, even in larger numbers. This research uses the doctrinal method with the statutory approach. Secondary data is used to explain of legal and social phenomena related to the research topic.The Fintech industry requires specific provisions governing criminal offenses related to Illegal companies.

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Characteristics of Financial Technology as Financing Alternative Capitalization of Medium Small-Medium Enterprises (MSME)

FIAT JUSTISIA ◽

10.25041/fiatjustisia.v15no2.1933 ◽

2021 ◽

Vol 15 (2) ◽

pp. 133-158

Author(s):

Dwi Tatak Subagiyo

Keyword(s):

Information Technology ◽

Financial Services ◽

Financial Institution ◽

Small And Medium Enterprises ◽

Peer To Peer ◽

P2p Lending ◽

Peer Lending ◽

Small Medium Enterprises ◽

Medium Enterprises ◽

Financial Technology

Characteristics of Financial Technology as a Financial Institution that uses information technology to provide financial solutions by prioritizing compliance with the principles of prudence and risk management. The characteristics of Financial Technology institutions are getting a loan quickly; Makes Payment Easier; Make Loan Payments without Additional Fees. Peer to Peer Lending (P2P lending) system in providing financial services is done through information technology based. The financial services institution Peer to Peer Lending (P2P Lending) is a financial technology financial institution (Fintech). Financial Technology (Fintech) as a Literacy Source for Financing Micro, Small and Medium Enterprises; Financial Technology (Fintech) As a Facilitator in MSME Development; Financial Tecnology (Fintech) as a driver for Micro, Small and Medium Enterprises to Increase National Financial Inclusion. The Role of the Financial Services Authority (OJK) and the Indonesian Joint Funding Fintech Association (AFPI) As Regulations and Oversight of Financial Technology Institutions (Fintech) in Indonesia.

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LEGISLASI PERLINDUNGAN HUKUM TERHADAP FENOMENA FINANCIAL TECHNOLOGY PEER TO PEER LENDING DI INDONESIA

Jurnal Hukum dan Pembangunan Ekonomi ◽

10.20961/hpe.v9i1.52609 ◽

2021 ◽

Vol 9 (1) ◽

pp. 80

Author(s):

Nur Afifah Aminuddin

Keyword(s):

Financial Institutions ◽

Financial Services ◽

Legal Protection ◽

Peer To Peer ◽

Legal Issues ◽

Conceptual Approach ◽

The Public ◽

Use Of Technology ◽

Peer Lending ◽

Financial Technology

Financial technology is the implementation of the use of technology to improve banking and financial services. The emergence of Fintech-based companies, especially those offering lending and borrowing services or Peer To Peer Lending (P2PL) is currently getting the attention of the public and regulators. P2PL-based fintech services are one of the solutions for limited access to financial services in the country and realizing financial inclusion through synergies with financial institutions and technology companies. With the development of fintech peer to peer lending, illegal fintech problems arise which are detrimental to society, so it is necessary to study the legal protection of the regulations that govern it, and how to resolve disputes against it This research is normative by examining legal issues regarding legal protection for consumers and fintech peer to peer lending services and dispute resolution in the fintech business. The research method used includes a statue approach and a conceptual approach.Keywords : Legal Protection, Financial Technology Peer to Peer Lending. Financial technology merupakan implementasi dari pemanfaatan teknologi untuk peningkatan layanan jasa perbankan dan keuangan. Kemunculan perusahaan-perusahaan berbasis Fintech terutama yang menawarkan layanan pinjam meminjam uang atau Peer To Peer Lending (P2PL) saat ini semakin mendapatkan perhatian publik dan regulator. Layanan fintech berbasis P2PL menjadi salah satu solusi terbatasnya akses layanan keuangan di tanah air dan mewujudkan iklusi keuangan melalui sinerginya dengan istitusi-institusi keuangan dan perusahaan-perusahaan teknologi. Semakin berkembangnya fintech peer to peer lending timbul permasalahan fintech illegal yang banyak merugikan masyarakat, maka itu perlu dilakukan kajian perlindungan hukum terhadap regulasi yang mengaturnya, serta bagaimana penyelesaian sengketa terhadapnya. Penelitian ini bersifat normatif dengan mengkaji isu hukum tentang perlindungan hukum terhadap konsumen dan layanan fintech peer to peer lending dan penyelesaian sengketa pada bisnis fintech. Metode penelitian yang digunakan meliputi pendekatan undang-undang (statue approach) dan pendekatan konseptual (conceptual approach). Kata Kunci : Perlindungan hukum, financial technology peer to peer lending.

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