Prinsip Customer Due Diligence Pada Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi Sebagai Upaya Pencegahan Tindak Pidana Pencucian Uang

AbstractPeer to peer lending must register in the Otoritas Jasa keuangan (OJK) for approval in POJK No. 77 of 2016. Peer to peer lending are required to approve the AML and CTF programs approved in Article 42 POJK No. 77 of 2016 which regulates further in POJK No. 12 of 2017 using the principle of customer due diligence. The application of customer due diligence is adjusted to the characteristics of peer to peer lending. Peer to peer lending made specifically for special work units who is responsible for the implementation of the APU and PPT programs. But until now since the promulgation of POJK No. 77 of 2016 and POJK No. 12 of 2019, peer to peer lending that has been registered in OJK does not have a special work unit in the company's organizational structure. This type of consenting is legal research carried out by considering regulations and asking for conceptual. Based on research, the regulations for the implementation of the AML and CTF programs have not been implemented to the maximum by peer to peer lending. Keywords: Peer to Peer Lending; Customer Due Diligence; Money Laundering.AbstrakPenyelenggara layanan pinjam meminjam uang berbasis teknologi informasi wajib melakukan pendaftaran kepada OJK sebagaimana diatur dalam POJK No. 77 Tahun 2016. Penyelenggara diwajibkan menerapkan program APU dan PPT sebagaimana diatur Pasal 42 POJK No. 77 Tahun 2016 yang diatur lebih lanjut dalam POJK No. 12 Tahun 2017 dengan menerapkan prinsip customer due diligence. Penyelenggara layanan pinjam meminjam uang berbasis teknologi informasi diwajibkan membentuk unit kerja khusus. Namun sampai saat ini sejak diundangkannya POJK No. 77 Tahun 2016 dan POJK No. 12 Tahun 2019, penyelenggara layanan pinjam meminjam uang berbasis teknologi informasi yang terdaftar di OJK tidak mempunyai unit kerja khusus dalam struktur organisasi perusahaannya. Tipe penulisan ini adalah penelitian hukum yang dilakukan dengan pendekatan peraturan perundang-undangan dan pendekatan konseptual. Berdasarkan penelitian, ketentuan kewajiban penerapan program APU dan PPT belum dilaksanakan dengan maksimal oleh penyelenggara layanan pinjam meminjam uang berbasis teknologi informasi. Kata Kunci: Layanan Pinjam Meminjam; Customer Due Diligence; Tindak Pidana Pencucian Uang.

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ASPEK HUKUM PEER TO PEER LENDING (Identifikasi Permasalahan Hukum dan Mekanisme Penyelesaian)

Jurnal Privat Law ◽

10.20961/privat.v8i1.40389 ◽

2020 ◽

Vol 8 (1) ◽

pp. 151

Author(s):

Windy Sonya Novita ◽

Moch. Najib Imanullah

Keyword(s):

Financial Services ◽

Secondary Data ◽

Legal Aspects ◽

Peer To Peer ◽

Financial Service ◽

Research Approach ◽

Legal Research ◽

Financial Service Authority ◽

Peer Lending ◽

Teleological Interpretation

Abstract This article aims to describe and analyze the legal aspects of Peer to Peer Lending related to legal issues and settlement mechanism. This type of research is prescriptive normative legal research. This type of research is normative legal research that is prescriptive. The research approach used is vertical and horizontal synchronization level approach. The type of data used in this study is secondary data covering primary, secondary and tertiary legal materials. Data collection techniques used are by study of documents or library materials. Furthermore, the analysis technique used legal material analysis with teleological interpretation methods. Based on this research, the results show that the implementation of Peer to Peer Lending founds several problems including the risk of high interest so that many borrowers fail to pay and improper billing methods. Basically Financial Services Authority has regulated the preventation the risk of Peer to Peer Lending in several rules in Financial Service Authority Regulations Number 77/POJK.07/2016 and Financial Service Authority Regulations Number 18/POJK.07/2018 as guidelines for consumers regarding the complaints service mechanism and its resolution. Keywords: peer to peer lending; risk; consumer complaints serviceAbstrak Artikel ini bertujuan untuk mendeskripsikan dan menganalisis mengenai aspek hukum dalam Peer to Peer Lending berkaitan dengan permasalahan hukum yang timbul serta mekanisme penyelesaiannya. Jenis penelitian ini adalah penelitian hukum normatif yang bersifat preskriptif. Pendekatan penelitian yang digunakan adalah pendekatan taraf sinkronisasi vertikal dan horizontal. Jenis data yang digunakan dalam penelitian ini merupakan data sekunder meliputi bahan hukum primer dan sekunder. Teknik pengumpulan data yang digunakan adalah dengan studi dokumen atau bahan pustaka. Selanjutnya teknik yang digunakan dalam penelitian ini adalah dengan menggunakan analisis bahan hukum dengan metode penafsiran teleologis. Berdasarkan penelitian ini diperoleh hasil bahwa dalam pelaksanaannya Peer to Peer Lending menemukan beberapa permasalahan, diantaranya risiko tarif bunga yang tinggi sehingga banyak Penerima Pinjaman yang gagal bayar dan cara-cara penagihan yang tidak patut. Pada dasarnya OJK sudah mengatur mengenai pencegahan risiko P2P Lending dalam beberapa ketentuan yang terdapat dalam POJK Nomor 77/POJK.07/2016 dan POJK Nomor 18/POJK.07/2018 sebagai pedoman bagi konsumen mengenai mekanisme layanan pengaduan konsumen dan penyelesaiannya. Kata Kunci: peer to peer lending; risiko; layanan pengaduan konsumen

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CUSTOMER DUE DILIGENCE DALAM MENCEGAH TINDAK PIDANA PENCUCIAN UANG MELALUI LEMBAGA PERBANKAN

Law Review ◽

10.19166/lr.v19i1.1466 ◽

2019 ◽

Vol 19 (1) ◽

pp. 77

Author(s):

Eko Prakoso Johannes

Keyword(s):

Money Laundering ◽

Financial Services ◽

Research Method ◽

Due Diligence ◽

Legal Research ◽

Financial Transaction ◽

Analysis Center ◽

Profile Characteristics ◽

Customer Due Diligence

The ease of conducting a banking transactions makes it vulnerable to become a vehicle for money laundering. The purpose of this article is to understand the existence and procedure of Customer Due Diligence (CDD) principles in banking to prevend money laundering that is based on the Financial Services Authority Regulation Number 12/POJK.01/2017. The research method used is normative juridical legal research using a statute approach. The result of the study show that the Bank as a Financial Services Provider is required to implement a Customer Due Diligence (CDD) principle to ensure that every banking transactions are in accordance with the profile, characteristics and/or transaction patterns of prospective customers, customers or walk in customers (WIC). Banks are required to report suspicious banking transactions to Financial Transaction Reports and Analysis Center (PPATK).

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Problematics of Determining Interest in Peer-to-peer Lending in Indonesia

Jurnal Media Hukum ◽

10.18196/jmh.v28i1.10022 ◽

2021 ◽

Vol 28 (1) ◽

pp. 102-117

Author(s):

Muhammad Annas ◽

Muhammad Anwar Anshori

Keyword(s):

Research Methods ◽

Secondary Data ◽

Competition Law ◽

Peer To Peer ◽

Data Sources ◽

Legal Research ◽

Basic Principles ◽

Essential Nature ◽

Secondary Data Sources ◽

Peer Lending

Peer-to-peer lending is considered as the solution for people who require loans with easy terms. However, peer-to-peer lending in Indonesia causes some new problem related to the essential nature of it. Authorization of Indonesian Joint Funding Fintech (AFPI) determines peer-to-peer lending interest-debt possible to violate competition law in Indonesia. The paper aims to describe and analyze the authorization of Indonesian Joint Funding Fintech, which has a big chance to harm competition law in Indonesia. The author uses normative legal research methods and secondary data sources to examine the topic in this study. The result shows that the arrangement of interest-debt in peer-to-peer lending potentially creates a cartel and violates the basic principles of competition law in Indonesia.

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The Problems of Consumer Protection in Fintech Peer To Peer Lending Business Activities in Indonesia

Sociological Jurisprudence Journal ◽

10.22225/scj.3.2.1798.91-97 ◽

2020 ◽

Vol 3 (2) ◽

pp. 91-97

Author(s):

Hari Sutra Disemadi ◽

Mochammad Abizar Yusro ◽

Wizna Gania Balqis

Keyword(s):

Consumer Protection ◽

Research Method ◽

Industrial Revolution ◽

Peer To Peer ◽

Fundamental Aspect ◽

Legal Research ◽

Electronic Documents ◽

Savings And Loan ◽

Peer Lending ◽

Financial Technology

Industrial Revolution 4.0 has influenced the development of technology and information. The presence of financial technology (fintech) especially fintech peer to peer lending in Indonesia is proof that the Industrial Revolution 4.0 has had an influence on economic aspects as a fundamental aspect of the country. The implementation of fintech peer to peer lending in providing alternative financing to consumers is currently faced with several problems, especially issues related to consumer protection. This study uses a normative legal research method with a statutory approach. This research shows that the state has tried to provide preventive protection to consumers through several regulations, namely Bank Indonesia Regulation Number 19/12/PBI/2017 concerning the Implementation of Financial Technology that regulates the procedures for implementing fintech in Indonesia and also the OJK Regulation Number 77/POJK.01/2016 on Information Technology-Based Lending and Borrowing Services that regulates OJK's supervisory function in implementing fintech peer to peer lending in Indonesia. This protects consumers through the regulation of digital-based savings and loan providers which must be officially registered to guarantee the legality of the organizer, electronic documents by statutory provisions, and dispute resolution mechanisms in the event of a dispute related to fintech peer to peer lending business activities.

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