Nooryaqin, Mochamad Fahrizal (2019) Analisis Yuridis Batasan Tanggung Jawab Pada Hybrid Product Dalam Hal Terjadinya Risiko pada Layanan Jasa Keuangan Antara Bank dan Perusahaan Fintech Dalam layanan Jasa Keuangan. Sarjana thesis, Universitas Brawijaya.
Abstract
Pada penelitian ini penulis mengangkat permasalahan mengenai batasan tanggung jawab pada hybrid product dalam hal terjadinya risiko pada layanan jasa keuangan antara bank dan penyelenggara fintech. Hybrid product dalam layanan jasa keuangan adalah gabungan antara lebih dari satu (1) lembaga keuangan baik formal maupun non formal. Mengenai tanggung jawab pada lembaga perbankan telah diatur dalam Undang-Undang Nomor 10 Tahun 1998 Tentang Perubahan atas Undang-Undang Nomor 7 Tahun 1992 Tentang Perbankan. Peraturan tersebut mengatur tentang tanggung jawab lembaga perbankan dan mitigasi risiko dalam terjadinya layanan jasa keuangan. Sedangkan pada penyelenggara fintech khususnya peer to peer lending diatur dalam Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 Tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi. Peneliti melakukan pengkajian mengenai batasan tanggung jawab dalam hybrid product antara lembaga perbankan dan penyelenggara fintech bagaiamana batasan tanggung jawab tersebut sesuai peraturan yang berlaku. Selain itu peneliti mendasarkan pada teori tanggung jawab. Berdasarkan latar belakang tersebut, maka permasalahan hukum yang dikemukakan dalam penelitian ini adalah bagaimana batasan tanggung jawab pada hybridxiii productdalam hal terjadinya risiko pada layanan jasa keuangan antara bank dan penyelenggara fintech dan bagaimana tanggung jawab lembaga bank dan penyelengara fintech dalam hybrid product. Penelitian skripsi ini menggunakan metode penelitian yuridis-normatif serta menggunakan pendekatan perundang-undangan dan pendekatan analisis, Bahan hukum yang digunakan yaitu bahan hukum primer, sekunder, dan tersier. Bahan hukum yang telah diperoleh dianalisis menggunakan metode interpretasi gramatikal dan interpretasi sistematis. Dari hasil penelitian dan analisis sesuai dengan metode di atas, maka peneliti menyimpulkan bahwa tanggung jawab lembaga perbankan mengacu pada Undang-Undang Nomor 10 Tahun 1998 Tentang Perubahan atas UndangUndang Nomor 7 Tahun 1992 Tentang Perbankansedangakan bagi penyelenggara fintech mengacu pada Peraturan Otoritas Jasa Keuangan Nomor 1/POJK.07/2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan. Karena dalam Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 hanya menjadikan penyelenggara fintech sebagai marketplace atau pihak ketiga. SUMMARY
English Abstract
Mochamad Fahrizal Nooryaqin, Business Law, Law Faculty of Brawijaya University, October 2019, JURIDIC ANALYSIS OF LIMITATION OF LIABILITY IN HYBRID PRODUCT IN THE CONDITION OF FINANCIAL SERVICES RISK BETWEEN BANKS AND FINTECH COMPANIES IN FINANCIAL SERVICES, Dr. Reka Dewantara, S. H., M. H., Ranitya Ganindha, S. H., M. H. In this study the authors raise the issue of limitation of responsibility on hybrid products in terms of the risk of financial services between banks and fintech providers. Hybrid products in financial services are a combination of more than one (1) financial institutions, both formal and informal. Regarding responsibility for banking institutions, it has been regulated in Act Number 10 of 1998 concerning Amendment to Act Number 7 of 1992 concerning Banking. The regulation regulates the responsibilities of banking institutions and risk mitigation in the occurrence of financial services. Whereas fintech providers, especially peer to peer lending, are regulated in Financial Services Authority Regulation Number 77 / POJK.01 / 2016 concerning Information Technology Lending and Borrowing Services. However, in the regulation, the fintech operator is only used as a platform manager, the regulation also does not mention the responsibility of the fintech organizer if there is a risk in financial services. Researchers conducted an assessment of the limits of liability in hybrid products between banking institutions and fintech providers how the limits of liability are in accordance with applicable regulations. In addition researchers based on the theory of responsibility. Based on this background, the legal issues raised in this study are how the limits of liability in hybrid products in terms of risks to financial services between banks and fintech providers and how thexiv responsibilities of bank institutions and fintech organizers in hybrid products. This thesis research uses the juridical-normative research method and uses the legislative approach and analysis approach. The legal materials used are primary, secondary and tertiary legal materials. The legal material that has been obtained is analyzed using the grammatical interpretation method and systematic interpretation. From the results of research and analysis in accordance with the above method, the researcher concludes that the responsibilities of banking institutions refer to Act Number 10 of 1998 concerning Amendments to Act Number 7 of 1992 concerning Banking while fintech organizers refer to Financial Services Authority Regulations Number 1 / POJK.07 / 2013 concerning Consumer Protection in the Financial Services Sector. Because the Financial Services Authority Regulation Number 77 / POJK.01 / 2016 only makes the fintech organizer a marketplace or third party
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FH/2019/471/052001130 |
| Subjects: | 300 Social sciences > 346 Private law > 346.08 Banks and insurance > 346.082 Banks |
| Divisions: | Fakultas Hukum > Ilmu Hukum |
| Depositing User: | Agus Wicaksono |
| Date Deposited: | 05 Aug 2020 06:14 |
| Last Modified: | 07 Oct 2020 03:50 |
| URI: | http://repository.ub.ac.id/id/eprint/179616 |
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