PERLINDUNGAN DEBITUR PADA LAYANAN PINJAMAN UANG BERBASIS FINANCIAL TECHNOLOGY

2020 ◽  
Vol 21 (1) ◽  
pp. 1-10
Author(s):  
Ria Agustianti
Keyword(s):  
Peer To Peer ◽  
Peer Lending ◽  
Financial Technology

Bantuan teknologi sangat membantu aktivitas masyarakat termasuk lembaga keuangan, seperti penerapan Fintech   (Financial   Technology).   Fintech   memanfaatkan teknologi untuk peningkatan layanan jasa perbankan dan keuangan yang  dilakukan   oleh   perusahaan dengan memanfaatkan   teknologi   software. Seiring perkembangan, Fintech mulai berdampak negatif, terutama dari layanan pinjaman uang atau Fintech  Peer to Peer Lending (P2PL). menjadi persoalan adalah bagaimanakah perlindungan bagi debitur/nasabah, seperti upaya intimidasi terhadap nasabah yang kesulitan membayar. Meode yang digunakan dalam penelitian ini adalah yuridis normatif, yaitu penelitian yang didasarkan pada data-data sekunder, yang kemudian dianalisa secara kualitatif dan disajikan dalam bentuk kualitatif. Berdasarkan hasil penelitian, maka dapat disimpulkan bahwa perlindungan bagi debitur atau nasabah yang merasa dirugikan dapat menempuh  5 (lima) cara, yang diatur dalam UU Perlindungan Konsumen, Regulasi OJK, UU ITE, BI dan Peraturan Pemerintah. Upaya perlindungan dalam UU Perlindungan Konsumen diakomodasi dalam Pasal 4.Upaya OJK, bekerja sama dengan Kominfo dan AFPI yaitu jika ada terjadi intimidasi yang merugikan debitur , maka debitur dapat melakukan laporan pengaduan melalui laman website yang telah diberikan oleh OJK dan AFPI. Debitur juga dapat melaporkan kepada pihak berwenang. Dalam UU ITE dapat dilihat pada Pasl 26 UU ITE. Upaya yang dilakukan oleh Bank Indonesia yaitu BI menbentuk Bank Indonesia Fintech Office (BI-FTO) dan menganjurkan untuk mengikuti peraturan yang ada pada  PBI  No.  16/8/  PBI/2014  dan  PBI  No  18/17/PBI/2016  tentang  Uang  Elektroinik (PBI  E-Money). Kata kunci : Financial Technology, Perlindungan Hukum, Upaya Debitur

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

scholarly journals PEER TO PEER LENDING SYSTEM IN HIFDUN MAAL PERSPECTIVE: EVIDENCE FROM THE FINTECH COMPANY OF INVESTREE

2020 ◽  
Vol 7 (8) ◽  
pp. 1584
Author(s):  
Anisa Fadilah Zustika ◽  
Ana Toni Roby Candra Yudha
Keyword(s):  
Financial Management ◽  
Supervisory Board ◽  
Business Owners ◽  
Peer To Peer ◽  
Business Development ◽  
Study Results ◽  
Peer Lending ◽  
Financial Management System ◽  
Financial Technology

The technology-based financial management system or so-called financial technology (fintech) has become a trend in the millennial era, both with sharia or conventional labels. This study aims to determine and examine the operational mechanisms and implications of the application of the peer to peer lending system, which is used as a transaction method both in funding and financing. The approach used is qualitative, an approach that prioritizes the subjectivity aspects of researchers and informants. The informants of this study are experts from several stakeholders such as the MUI of East Java, Masyarakat Ekonomi Syariah (MES) branch of Semarang, and 2 sharia fintech business owners and practitioners in East Java. The study results obtained are fintech based on a peer to peer lending system (P2PL) in the perspective of hifdzu mal (Investree company case study) is an online loan transaction that is consistent with the theory of hifdzu maal. The suitability of the transaction with hifdul maal, because each agreement is clear and in accordance with sharia provisions such as fair, mutually committed, and protect ownership. Suggestions from this study are the need for the addition of sharia supervisory board (DPS) for fintech, collaboration with universities in business development so that literacy and inclusion of fintech can be more extensive and developed.Keywords: fintech, peer to peer lending (P2PL), protection of wealth

scholarly journals Legal Review of Financial Technology Peer To Peer Lending Based on Indonesian Collateral Law Perspective

2020 ◽  
Vol 3 (2) ◽  
pp. 109
Author(s):  
Ayup Suran Ningsih
Keyword(s):  
Private Sector ◽  
Peer To Peer ◽  
Minimum Requirement ◽  
Track Record ◽  
Loan Program ◽  
Peer Lending ◽  
The Government ◽  
Credit Agreement ◽  
Financial Technology ◽  
Legal Entities

In fulfilling everyday needs, certainly needing equipment and supporting equipment in practice. However, due to limited capital, the background of the birth of legal entities from the government to the private sector offered a program to lend money which was then used for capital. In the process, this loan is often called a credit agreement in which the minimum requirement is a guarantee that will later be used as a collateral object. The guarantee acts as an addition (accesoir) to the main agreement which is to convince the creditor of the assets of the debtor and their ability to make payments later. Because not everyone has sufficient assets to make a loan, a guarantee institution arises that provides a loan program without using collateral. In connection with the development of technology, a new program was born, namely peer to peer lending based on financial technology. Ease in requirements and track record written in a system is the attraction of this type of loan, but because it is regulated by the system, there can be a mismatch of what is promised.

scholarly journals Problematika Hukum Pada Peer To Peer Lending di Indonesia Dalam Perspektif Hukum Persaingan Usaha

2019 ◽  
Vol 2 (6) ◽  
pp. 2025
Author(s):  
Cheyzsa Mega Andhini S.P
Keyword(s):  
Peer To Peer ◽  
Relevant Market ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

E-commerce yang merupakan bentuk perdagangan elektronik menjadi tren dalam perdagangan di Indonesia saat ini. Tidak hanya perdagangan secara elektronik saja melainkan diiringi dengan adanya pembayaran secara elektronik yang kita kenal dengan Financial Technology (Selanjutnya disingkat fintech). Fintech adalah sebuah inovasi di dalam bidang jasa keuangan. Fintech yang bermunculan di Indonesia ini menjadi salah satu alternatif dalam hal pembayaran berbasis online. Salah satu jenisnya adalah sistem kredit secara online yang disebut dengan P2P Lending. P2P Lending secara legal diatur dalam Peraturan Otoritas Jasa Keuangan Nomor 77/ POJK.01/2016 Tentang Layanan Pinjam Meminjam Berbasis Teknologi Informasi, sebagai dasar hukum terkait sistem pinjam meminjam dengan system elektronik. P2P Lending yang bermunculan di Indonesia membuat pihak bank konvensional juga menawarkan fasilitas yang sama pada perbankan yaitu sistem kredit online. Kesamaan fasilitas antara P2P Lending dan Kredit Online Sistem ini menimbulkan persaingan usaha tidak sehat, karena mereka berada pada relevant market yang sama.

scholarly journals The Factors of the Intention to Use P2P Lending Financial Technology (Fintech) Website at Jadetabek Intervening By Perceived Value

2019 ◽  
Vol 8 (3) ◽  
pp. 3102-3107
Keyword(s):  
Service Quality ◽  
Structural Equation ◽  
Information Quality ◽  
Perceived Value ◽  
Sampling Technique ◽  
Equation Model ◽  
Peer To Peer ◽  
Intention To Use ◽  
Peer Lending ◽  
Financial Technology

The research objective is to examine the factors that influence the intention to use Peer-to-Peer Lending Financial Technology Website in Jadetabek. The research design is a quantitative method using Structural Equation Model (SEM). The sampling technique is convenience sampling. The data collection method used questionnaire. The questionnaire distributed to 110 respondents who already visit the fintech peer-to-peer lending website. The statistical software employed in this study is the SmartPLS 3.0. The results show that information quality, service quality, and perceived value directly had a significant effect on the fintech peer-to-peer lending website usage intention. The results show that service quality, perceived value, and information quality directly had a significant effect on the fintech peer-to-peer lending website usage intention.

Factors determining behavioral intentions to use Islamic financial technology

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Darmansyah Darmansyah ◽  
Bayu Arie Fianto ◽  
Achsania Hendratmi ◽  
Primandanu Febriyan Aziz
Keyword(s):  
Latent Variables ◽  
Behavioral Intentions ◽  
Peer To Peer ◽  
Influential Factor ◽  
Equation Modeling ◽  
Data Set ◽  
Content Type ◽  
Peer Lending ◽  
Acceptance Model ◽  
Financial Technology

Purpose The purpose of this paper is to investigate the influential factors on behavioral intentions toward Islamic financial technology (FinTech) use in Indonesia, for all types of FinTech services as follows: payments, peer to peer lending and crowdfunding. Design/methodology/approach This study adopted structural equation modeling using the partial least squares approach to test the hypotheses. Based on purposive sampling, the questionnaire was distributed through an online survey and received 1,262 responses. Findings The results demonstrate that the latent variables, planned behavior, acceptance model and use of technology, have a significant impact on encouraging behavioral intentions to use Islamic FinTech. The “acceptance model” latent variable is the most influential factor. Research limitations/implications This study was conducted only in Indonesia; therefore, the results cannot be generalized to other countries. However, the study provides important strategic guidelines for policymakers in designing a framework to enhance the development of Islamic FinTech and to achieve financial inclusion. It is suggested that future studies include samples from FinTech users in different countries. Originality/value This study adds to the literature especially on the factors affecting behavioral intentions to use Islamic FinTech. There are limited studies concerning this topic, especially for Indonesia. The unique feature of this study is the use of a large primary data set that covers most provinces in Indonesia. Furthermore, this study focuses on three types of Islamic FinTech, namely, payments, peer to peer lending and crowdfunding.

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.

PERAN OTORITAS JASA KEUANGAN CIREBON PADA PERLINDUNGAN KONSUMEN FINANCIAL TECHNOLOGY LENDING

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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