ASPEK HUKUM DIGITAL LENDING DI INDONESIA

Sugeng Sugeng

Abstract

Financial service innovations are increasingly diverse and growing rapidly in line with the increase in information technology. Peer to peer lending (P2P Lending) is a breakthrough of financial institutions to serve various parties that need funding. This article intends to analyze the legal aspects and implementation of P2P Lending services in Indonesia. The research method uses a normative juridical approach, through the study of authoritative legal materials and supporting literature materials.  The study found that the Financial Services Authority Regulation Number 77/POJK.01/2016 concerning Information Technology-Based Money Lending and Borrowing Services, Financial Services Authority Regulation Number 13/POJK.02 /2018 concerning Digital Financial Innovation in the Financial Services Sector, Government Regulation Number 82/ 2012 concerning the Implementation of Electronic Transactions and Systems, Financial Services Authority Regulation Number: 1/ POJK.07/2013 concerning Financial Services Sector Consumer Protection are the national legal instrument that regulates this business activity. In addition, the code of ethics made by business associations also complements the regulations for organizing P2P Lending.  The lack of coordination between government agencies has led to ineffective supervision, resulting in illegal P2P Lending companies. The results of this study are expected to provide input for policy makers to improve regulations that can provide legal protection for the parties.

Keywords

P2P Lending, financial institutions, finance

Full Text:

PDF

References

Cambridge Dictionary, Cambridge, Cambridgeshire, 2019.

Christensen Clayton M. & Michel Horn, Disruption Class: How Disruptive Innovation Will Change the World Learns, New York, 2008.

Rhenald Kasali, Disruption. Jakarta, Gramedia Pustaka Utama, 2017.

Sulistyo, Hermawan dan A. Kadar. Uang dan Kekuasaan Dalam Pemilu 1999. KIPP Indonesia. Jakarta. 2000.

Saly, Jeane Neltje, “Keabsahan Alat Bukti Elektronik dalam Suatu Perjanjian dalam Penyelesaian Sengketa Melalui Arbitrase Online,” Jurnal Legislasi Indonesia, Volume 5 Nomor 4 (Desember 2008).

Tim Direktorat Hukum,”Diskusi dengan Uncitral dan Electronic Evidence & E-Discovery Forum”, Buletin Hukum Perbankan Dan Kebanksentralan 51 Volume 5, Nomor 2, (Agustus 2007).

Milne, Alistair and Paul Parboteeah, “The Business Models and Economics of Peer-to-Peer Lending,” European Credit Research Institute (ECRI), No. 17 (May 2016).

Channel, “Pesatnya Perkembangan Fintech Dorong Kemajuan Fintech Ekonomi Digital, Edisi 65 (Juli - Desember 2016).

Deer, L., Mi, J., & Yuxin, Y. The Rise of Peer-to-Peer Lending in China: An Overview and Survey Case Study, dalam Alistair Milne and Paul Parboteeah, 2016, “The Business Models and Economics of Peer-to-Peer Lending,” European Credit Research Institute (ECRI) No. 17 (May 2016).

Kompas, Edisi 9 Maret 2019.

Kompas, Edisi 11 Maret 2019.

Kompas, Edisi 20 Mei 2019.

Koran Tempo, Edisi 30-31 Maret 2019.

Majalah Tempo, Edisi 29 April – 5 Mei 2019.

Warta Fiskal, (Edisi 5/2017).

Ilman A. Sudarwan, “OJK: Pertumbuhan Kredit 2018 12,45%.”, https://finansial.bisnis.com/read/20190102/90/874715/ojk-pertumbuhan-kredit-2018- 1245,

https://apjii.or.id/,

https://ekonomi.kompas.com/read/2018/03/27/153841326/ketua-ojk-optimistis-target-inklusi-keuangan-75-persen-di-2019-tercapai,

https://www.ojk.go.id.

Kitab Undang-Undang Hukum Perdata (Burgerlijk Wetboek).

Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen.

Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik.

Peraturan Pemerintah (PP) Nomor 82 Tahun 2012 tentang Penyelenggaraan Sistem dan Transaksi Elektronik.

Peraturan Otoritas Jasa Keuangan Nomor 77 /POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi.

Peraturan Otoritas Jasa Keuangan Nomor: 1/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan.

DOI: https://doi.org/10.54629/jli.v17i4.639