scholarly journals KEKOSONGAN NORMA PENENTUAN BUNGA PINJAMAN FINANCIAL TECHNOLOGY PEER TO PEER LENDING

2020 ◽  
Vol 3 (1) ◽  
pp. 90-103 ◽  
Author(s):  
Antoni Tjandra
Keyword(s):  
Interest Rate ◽  
Financial Institutions ◽  
Legal Protection ◽  
Peer To Peer ◽  
Normative Analysis ◽  
Modern Economy ◽  
Lending Rate ◽  
Peer Lending ◽  
Maximum Limit ◽  
Financial Technology

Today is the era of the modern economy which is made non-bank financial institutions sector experiencing growth. One form of this development is marked by the emergence of Financial Technology. One of the products of the Financial Technology is Peer to Peer Lending that have business activities provide loans accompanied by interest to the debtor. Currently lending restrictions imposed on the debtor fintech is 0.8% per day (maximum limit), but this maximum interest limit was issued by Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) which is an association of Fintech organizers. This paper discusses the legal protection of the debtor against the Peer to Peer Lending lending rate. The method used is normative juridical. The collection of legal materials through the literature and qualitative normative analysis.  The results of this study aims to determine the legal protection for debtors in the Financial Technology in the Peer to Peer Lending agreement to interest rate loan Peer to Peer Lending determined by Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI).Saat ini adalah jaman dari perekonomian modern yang dimana hal ini kemudian membuat sektor lembaga keuangan bukan bank mengalami perkembangan. Salah satu bentuk dari perkembangan tersebut adalah ditandai dengan munculnya Financial Technology. Salah satu produk dari Financial Technology adalah Peer to Peer Lending yang mempunyai kegiatan usaha memberikan pinjaman yang disertai dengan bunga kepada debitur. Saat ini batasan bunga pinjaman fintech yang dikenakan kepada debitur adalah 0,8% per hari (batas maksimum), namun batasan bunga maksimum ini dikeluarkan oleh Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) yang merupakan asosiasi para penyelenggara Fintech. Penulisan ini membahas perlindungan hukum terhadap debitur terhadap suku bunga pinjaman Peer to Peer Lending. Metode yang digunakan menggunakan yuridis normatif. Pengumpulan bahan hukum melalui kepustakaan dan dianalisis normatif kualitatif. Hasil penelitian ini bertujuan mengetahui perlindungan hukum bagi debitur dalam Financial Technology  di dalam perjanjian Peer to Peer Lending terhadap suku bunga pinjaman Peer to Peer Lending yang ditentukan oleh Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI).

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

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

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

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

<p><em>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.</em></p><p><strong><em>Keywords : </em></strong><em>Legal Protection, Financial Technology Peer to Peer Lending.</em></p><p> </p><p><em>Financial technology </em>merupakan implementasi dari pemanfaatan teknologi untuk peningkatan layanan jasa perbankan dan keuangan. Kemunculan perusahaan-perusahaan berbasis <em>Fintech </em>terutama yang menawarkan layanan pinjam meminjam uang atau <em>Peer To Peer Lending </em>(P2PL) saat ini semakin mendapatkan perhatian publik dan regulator. Layanan <em>fintech </em>berbasis <em>P2PL </em>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 <em>fintech peer to peer lending </em>timbul permasalahan <em>fintech </em>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 <em>fintech peer to peer lending</em> dan penyelesaian sengketa pada bisnis <em>fintech.</em> Metode penelitian yang digunakan meliputi pendekatan undang-undang <em>(statue approach)</em> dan pendekatan konseptual <em>(conceptual approach). </em></p><strong>Kata Kunci : </strong>Perlindungan hukum, <em>financial technology peer to peer lending.</em>

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

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.

scholarly journals ANALISIS STRATEGI FINANCIAL TECHNOLOGY PEER-TO-PEER LENDING PT CROWDE MEMBANGUN BANGSA SEBAGAI PERMODALAN PERTANIAN DIGITAL

2021 ◽  
Vol 18 (1) ◽  
pp. 70
Author(s):  
Ignatia Rahmadani Putri Palupi ◽  
Agriani Hermita Sadeli ◽  
Tuti Karyani ◽  
Endah Djuwendah
Keyword(s):  
Human Resources ◽  
Financial Institutions ◽  
Peer To Peer ◽  
Post Harvest ◽  
Peer Lending ◽  
Start Ups ◽  
Digital Capital ◽  
Financial Technology

<p align="justify"><em>Capital is one of the most important factors in conducting a business. These days, farmers are still struggling to access loans as their capital from financial institutions due to complex requirements to fulfill and wholesalers that are not </em><em>profitabl</em><em>e for farmers. The solution to this problem is the utilization of financial technology with </em><em>a </em><em>Peer-to-Peer Lending system.  PT CROWDE Membangun Bangsa is one of the start-ups that conducted a Peer-to-Peer Lending system in Indonesia. </em><em>T</em><em>his study aimed to identify the strategy that </em><em>the </em><em>company use</em><em>s</em><em> to distribute digital capital to farmers by using SOAR analysis. SOAR analysis focuses on the strength and results the</em><em> </em><em>company wants to achieve and creates </em><em>a </em><em>strategy to increase farmers’ productivity and company profits. The results of this study were strategies the company can apply to increase farmer’s productivity by creating a program with farmers to adjust the agriculture practices theoretically and practically, empower farmers to do </em><em>the </em><em>post-harvest process, and increase partnership with other institutions to supply agriculture inputs and human resources such as agronomist.</em><em></em></p>

scholarly journals PERLINDUNGAN HUKUM TERHADAP DATA PRIBADI DALAM INDUSTRI FINANCIAL TECHNOLOGY

2020 ◽  
Vol 6 (2) ◽  
pp. 298-323
Author(s):  
Elvira Fitriyani Pakpahan ◽  
Lionel Ricky Chandra ◽  
Ananta Aria Dewa
Keyword(s):  
Data Protection ◽  
Personal Data ◽  
Legal Protection ◽  
Peer To Peer ◽  
Personal Data Protection ◽  
Peer Lending ◽  
The Government ◽  
Financial Technology ◽  
Penal Sanction

It came to the author’s attention that personal data collected or appropriated in the course of FinTech industry especially those that related to FinTech Peer to Peer Lending services are prone to misuse. The author, after perusing the prevailing laws regarding FinTech industry, concludes that a well-functioning system of rules has been put in place to regulate this industry. However, what is lacking is sufficient guarantee or protection of consumer’s personal data.  Available is the option to use a weak (administrative, civil or penal) sanction against alleged misuse or misappropriation of personal data.  To enhance better legal protection, the author suggests, that the government issue a special law on personal data protection, including establishing a a special governmental supervisory body to that purpose.

scholarly journals Legal Protection of Lenders in the Implementation of Financial Technology Based on Peer to Peer Lending

2019 ◽  
Vol 3 (13) ◽  
pp. 1305
Author(s):  
Anita . ◽  
S Zulaikha ◽  
K Rofiah ◽  
R Sari Pertiwi
Keyword(s):  
Legal Protection ◽  
Peer To Peer ◽  
Peer Lending ◽  
Financial Technology

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scholarly journals Legal Protection of Fintech-Peer to Peer Lending-Based Money Loan Recipients

2021 ◽  
Vol 04 (06) ◽  
Author(s):  
Johan Kuswara ◽  
Keyword(s):  
Financial Services ◽  
Research Method ◽  
Legal Protection ◽  
Peer To Peer ◽  
Business Climate ◽  
Technology Changes ◽  
Peer Lending ◽  
The Government ◽  
Online Lending ◽  
Financial Technology

Research This study aims to review and analyze the legal protection of loan recipients in the implementation of financial technology. Changes in the financial sector today are fintech (financial technology), one of which is peer to peer lending. The proliferation of peer-to-peer lending-based fintech in Indonesia is often a problem, although on the other hand it is also an answer for people who need funding quickly and easily. Whereas against the rise of online lending (peer to peer lending), the government in this case is the OJK (Financial Services Authority) has taken various ways to protect the community and foster a good business climate, but the problems faced by the community still occur. The problem in this research is what form of legal protection is obtained by recipients of fintech peer to peer lending-based money based on the provisions of applicable laws and regulations? and how to increase the government's role in the implementation and development of fintech-based peer to peer lending services. The research method used in this research is normative juridical. The implementation of financial technology based on peer-to-peer lending has not gone well.

PERLINDUNGAN DATA PRIBADI PENERIMA PINJAMAN DALAM TRANSAKSI PINJAM MEMINJAM UANG BERBASIS TEKNOLOGI INFORMASI (PEER TO PEER LENDING)

2021 ◽  
Vol 50 (4) ◽  
pp. 789
Author(s):  
Hendrawan Agusta
Keyword(s):  
Peer To Peer ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

Perkembangan teknologi informasi sangat pesat, adanya kolaborasi antara teknologi informasi dengan berbagai bidang kehidupan melahirkan berbagai macam inovasi yang membuat kehidupan masyarakat semakin mudah. Inovasi di bidang teknologi informasi melahirkan model bisnis baru yang pada gilirannya mampu menghasilkan efisiensi bagi masyarakat. Revolusi teknologi informasi tersebut terus berkembang dan sekarang memasuki bidang keuangan yang regulasinya ketat. Kolaborasi antara teknologi informasi dengan bidang keuangan melahirkan Teknologi Finansial atau Financial Technology (Fintech), salah satunya pinjam-meminjam uang berbasis teknologi informasi (Peer to Peer Lending/P2P Lending). Masyarakat menjadi lebih mudah mengakses kebutuhan keuangannya melalui P2P Lending. Di sisi lain, muncul tantangan dalam P2P Lending mengenai perlindungan data (data pribadi, data transaksi dan data keuangan). Dalam penelitian ini yang akan dibahas hanya data pribadi Penerima Pinjaman, dimana data pribadi tersebut perlu dilindungi agar tidak terjadi penyalahgunaan yang menimbulkan permasalahan hukum

Legal protection for Provider in Peer to Peer Lending: an Example from Indonesian Regulation

2019 ◽  
Vol 2 (2) ◽  
Author(s):  
Trinas Dewi Hariyana
Keyword(s):  
Risk Management ◽  
Legal Protection ◽  
Peer To Peer ◽  
Bank Credit ◽  
Legal Certainty ◽  
P2p Lending ◽  
Credit Agreement ◽  
Dispute Resolution Mechanism ◽  
Settlement Mechanism ◽  
Financial Technology

The Financial Technology peer to peer (P2P) lending concept still finds many weaknesses, especially in terms of legal protection for parties and risk management from Fintech itself. P2P Lending Regulation in Indonesia currently uses POJK No. 77 / POJK / 2016 concerning technology-based money lending and borrowing services. The position of Fintech P2P lending is similar to a bank, but the concept is a different agreement. Fintech P2P lending funds can come from investors or funders or cooperate with legal entities or banks. Considering that the risk posed by Fintech P2P lending is very large, Fintech must also implement consumer protection, risk management and prudential principles like a bank credit agreement so as to cover the risk of bad credit, the Fintech platform uses other means to protect funds from investors or investors. the other is with the protection fund as done by the Coin works platform. The protection fund does not cover the entire fund invested by the funder, depending on the availability of protection funds and the amount of credit that is experiencing congestion. The POJK regulation in article 19 describes the agreement clause which must contain the dispute resolution mechanism and the settlement mechanism if the implementation of lending and borrowing services is not able to continue operations, so that with the rules related to the clause it is expected that the funder will still get legal certainty and protection for funds.

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