Nataya, Yohana (2021) Urgensi Pengaturan Terhadap Pengawasan Shadow Banking Dalam Ruang Lingkup Peer-To-Peer Lending. Sarjana thesis, Universitas Brawijaya.
Abstract
Dalam penelitian ini penulis mengangkat persoalan mengenai kekosongan hukum terhadap shadow banking dalam ruang lingkup Peer-To-Peer Lending. Shadow banking sendiri merupakan kegiatan bank bawah tanah atau bank gelap. Shadow banking melakukan kegiatan yang umumnya dilakukan oleh bank, namun terhindar dari regulasi yang ada atau dengan kata lain ilegal. Peer-To-Peer Lending merupakan Lembaga Keuangan Non-Bank (LKBB), hal ini lah yang menjadi permasalahan ketika Peer-To-Peer Lending tersebut melakukan kegiatan yang dilakukan oleh bank, dikarenakan dapat berpotensi menjadi shadow banking, sekalipun Peer-To-Peer Lending tersebut legal atau sah. Tidak hanya itu, penetapan suku bunga terhadap Peer-To-Peer Lending juga turut menjadi permasalahan dikarenakan belum adanya aturan setingkat yang mengatur besar suku bunga dalam Peer-To-Peer Lending. Sejauh ini penetapan besaran suku bunga hanya diatur dalam Code of Conduct AFPI, yang merupakan asosiasi fintech. Berdasarkan hal tersebut, penulis menangkat rumusan masalah: (1) Bagaimana sistem penegakan hukum terhadap fintech Peer-to-peer lending? (2) Apa urgensi pengaturan mengenai praktek shadow banking dalam ruang lingkup Peer-To-Peer Lending? Penelitian ini menggunakan jenis penelitian yuridis normatif dengan pendekatan perundangan-undangan (statute approach) dan pendekatan konseptual (conceptual approach). Bahan hukum yang digunakan adalah bahak hukum primer dan sekunder yang mencakup peraturan perundang-undangan, jurnal, pendapat ahli, hingga penelitian-penelitian terkait yang digunakan sebagai rujukan dalam melakukan penelitian ini. Penyelesaian hukum terkait kekosongan hukum terhadap shadow banking, lembaga berwenang dan pemerintah haruslah segera menyusun sanksi pidana terhadap pelaku shadow banking, mengingat sanksi yang diatur dalam POJK LPMBUTI hanya sebatas sanksi administratif, dan terhadap Peer-To-Peer Lending ilegal hanya dilakukan pemblokiran situs. Sanksi pidana dibutuhkan guna meminimalisir kegiatan shadow banking serta memberikan efek jera kepada pelaku. Penetapan besaran suku bunga juga perlu segera ditambahkan dalam POJK LPMBUTI, agar terdapat kekuatan hukum yang mengikat sehingga tidak ada lagi alasan bagi para pemilik platform dan lender untuk menetapkan besaran bunga secara bebas.
English Abstract
In this research the authors raised the issue of legal vacancies against shadow banking within the scope of Peer-To-Peer Lending. Shadow banking itself is the activity of underground banks or dark banks. Shadow banking conducts activities that are generally carried out by banks, but avoid existing regulations or in other words illegal. Peer-To-Peer Lending is a Non-Bank Financial Institution (LKBB), this is the problem when Peer-To-Peer Lending is conducting activities carried out by banks, because it can potentially become shadow banking, even if Peer-To-Peer Lending is legal or legal. Not only that, the determination of interest rates on Peer-To-Peer Lending is also a problem because there are no rules at the level that govern the interest rate in Peer-To-Peer Lending. So far the determination of interest rates is only regulated in the AFPI Code of Conduct, which is a fintech association. Based on this, the author considers the problem formulation: (1) How is the law enforcement system against fintech Peer-to-peer lending? (2) What is the urgency of regulation regarding shadow banking practices within the scope of Peer-To-Peer Lending? This research uses a type of normative juridical research with a statute approach and an analytical approach. The legal materials used are primary and secondary legal issues that include legislation, journals, expert opinions, and related researches used as references in conducting this research. Legal settlement related to legal vacancies against shadow banking, authorized institutions and the government should immediately draw up criminal sanctions against shadow banking actors, considering the sanctions stipulated in the LPMBUTI POJK are only limited to administrative sanctions, and against Illegal Peer-To-Peer Lending is only done blocking the site. Criminal sanctions are needed to minimize shadow banking activities and provide deterrent effect to perpetrators. The determination of the interest rate also needs to be added immediately in the LPMBUTI POJK, so that there is binding legal force so that there is no longer a reason for platform owners and lenders to set the amount of interest freely.
Other obstract
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| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | 0521010099 |
| Subjects: | 300 Social sciences > 340 Law |
| Divisions: | Fakultas Hukum > Ilmu Hukum |
| Depositing User: | Nur Cholis |
| Date Deposited: | 25 Nov 2021 06:57 |
| Last Modified: | 23 Feb 2022 08:27 |
| URI: | http://repository.ub.ac.id/id/eprint/186787 |
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Text (DALAM MASA EMBARGO)
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