Putra, Sandy Natanagara Heru (2019) Perlindungan Hukum Terhadap Penerima Pinjaman Terkait Perubahan Suku Bunga Sepihak Oleh Penyelenggara Peer To Peer Lending. Sarjana thesis, Universitas Brawijaya.
Abstract
Pada Skripsi Ini, Penulis Mengangkat Permasalahan Mengenai Perlindungan Hukum Terhadap Penerima Pinjaman Terhadap Perubahan Suku Bunga Sepihak Oleh Penyelenggara Peer To Peer Lending. Penulis Memilih Tema Tersebut Dilatar Belakangi Oleh Kurangnya Aturan Mengenai Peer To Peer Lending Di Indonesia, Khususnya Dalam hal perlindungan hukum terhadap penerima pinjaman terkait perubahan suku bunga sepihak oleh penyelenggara peer to peer lending. Dari hasil penelitian dengan menggunakan metode tersebut di atas, penulis memperoleh jawaban atas permasalahan yang ada, bahwa POJK Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi dan SEOJK Nomor 18/SEOJK.02/2017 tentang Tata Kelola dan Manajemen Risiko Teknologi Informasi pada Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi belum dapat menjangkau kepentingan perlindungan hukum terhadap penerima pinjaman jika nantinya terjadi perubahan suku bunga yang dilakukan secara sepihak oleh pihak penyelenggara peer to peer lending. Selain itu POJK Nomor 1/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan belum dapat menjangkau sistem peer to peer lending karena belum ada aturan yang menyatakan bahwa peer to peer lending masuk dalam peraturan perlindungan konsumen sektor jasa keuangan. Akan tetapi dilihat dari POJK dan SEOJK tersebut di atas, OJK sudah memiliki upaya untuk melindungi kepentingan penerima pinjaman melalui upaya hukum preventif dan represif.
English Abstract
In This Thesis, The Author Raised The Issue Regarding The Legal Protection Of Borrowers Against Unilateral Interest Rate Changes By The Organizers Of Peer To Peer Lending. The Author chose the theme of the event will be based on the lack of rules regarding peer to peer lending in Indonesia, especially in terms of the legal protection of the recipient of the related loan interest rate changes by unilateral organizers of peer to peer lending. From the results of research using the method above, the author answers to existing problems, that POJK Number 77/POJK. 01/2016 about borrowing money and loan Service-based information technology and SEOJK number 18/SEOJK. 02/2017 about corporate governance and risk management of information technology at the service of Loan borrowing money Based on information technology has not been able to reach out to the benefit of the legal protection of the recipients of the loans if later changes interest rates done unilaterally by the organizers of peer to peer lending. In addition to POJK Number 1 /POJK. 07/2013 about consumer protection in the Financial Services Sector has not been able to reach the system of peer to peer lending because no rule states that peer to peer lending entered in the protection of the regulation of consumers of financial services sectors. But seen from the SEOJK and POJK above, OJK already has efforts to protect the interests of recipients of loans through the efforts of preventive and repressive laws.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FH/2019/354/051908452 |
| Uncontrolled Keywords: | - |
| Subjects: | 300 Social sciences > 346 Private law > 346.08 Banks and insurance |
| Divisions: | Fakultas Hukum > Ilmu Hukum |
| Depositing User: | Endang Susworini |
| Date Deposited: | 08 Jul 2020 22:43 |
| Last Modified: | 07 Oct 2020 03:58 |
| URI: | http://repository.ub.ac.id/id/eprint/174413 |
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