Perlindungan Hukum Bagi Pemberi Pinjaman Terhadap Risiko Gagal Bayar Dalam Perjanjian Peer To Peer Lending

Afaf, Azizah (2017) Perlindungan Hukum Bagi Pemberi Pinjaman Terhadap Risiko Gagal Bayar Dalam Perjanjian Peer To Peer Lending. Sarjana thesis, Universitas Brawijaya.

Abstract

Berdasarkan hal tersebut di atas, karya tulis ini mengangkat rumusan masalah yaitu: Bagaimana Perlindungan Hukum Bagi Pemberi Pinjaman Terhadap Risiko Gagal Bayar Dalam Perjanjian Peer To Peer Lending? Kemudian penulis karya tulis ini menggunakan metode yuridis normatif dengan menggunakan metode pendekatan perundang-undangan (statuta approach). Bahan hukum primer, dan sekunder yang diperoleh penulis akan di analisis dengan menggunakan teknik analisis deskriptif analisis yaitu suatu metode analisis bahan hukum dengan cara melakukan dan menentukan isi atau makna aturan hukum dari undang-undang, peraturan otoritas jasa keuangan, peraturan presiden, peraturan menteri, surat edaran otoritas jasa keuangan, yang dijadikan rujukan dalam menyelesaikan permasalahan hukum yang menjadi objek kajian. Dari hasil penelitian dengan menggunakan metode di atas, penulis memperoleh jawaban atas permasalahan yang ada bahwa POJK Nomor 77/POJK.01/2016 tentang Pinjam Meminjam Uang Berbasis Teknologi Informasi dan SEOJK Nomor 18/SEJOK.01/2017 tentang Tata Kelola dan Manajemen Risiko Teknologi Informasi pada Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi belum dapat menjangkau kepentingan perlindungan hukum terhadap pemberi pinjaman jika nantinya terjadi gagal bayar atau tidak dibayarnya uang yang dipinjam melalui perantara platform peer to peer lending. Selain itu dalam peraturan Perlindungan Konsumen Sektor Jasa Keuangan yang diatur dalam POJK Nomor 1/POJK.07/2013 belum dapat menjangkau pasar 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 penyelenggara peer to peer lending sendiri telah memiliki beberapa cara-cara yang berbeda untuk melingungi pemberi pinjaman dari berbagai risiko termasuk risiko gagal bayar. Terhadap produk Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi (Peer to Peer Lending) diawasi oleh Otoritas Jasa Keuangan dibawah pengawasan Kepala Eksekutif IKNB OJK.

English Abstract

In this thesis, the authors raised the issue of LEGAL PROTECTION FOR LENDER AGAINTS THE RISK OF INSOLVENCY IN PEER TO PEER LENDING AGREEMENT . The choice of themes is due to the lack of rules on peer to peer lending, especially in terms of legal protection for lenders against default risk that occurred in the Peer to Peer Lending Service. Based on the above, this paper raises the formulation of the problem that is: How Legal Protection For Lender Againsts The Risk Of Insolvency In Peer To Peer Lending Agreement? Then the author of this paper using the method of normative juridical by using the approach of statutory approach (statuta approach). The primary and secondary law materials obtained by the authors will be analyzed using descriptive analytical analysis technique that is a method of analysis of legal materials by conducting and determining the contents or meaning of the rule of law of the law, the regulation of financial services authority, presidential regulation, ministerial regulations, A circular of financial services authority, which is used as a reference in solving legal issues that become the object of study. From the results of research using the above method, the authors obtained answers to the existing problems that POJK Number 77/POJK.01/ 2016 on Borrowing Borrow Money-Based Information Technology and SEOJK Number 18 / SEJOK.01 / 2017 on Technology Risk Management and Risk Information on Information Borrowed Borrowing Services based on Information Technology has not been able to reach the legal protection interest of the lender in the event of default or non-payment of money borrowed through the intermediary platform of peer to peer lending. In addition, the Consumer Protection Administration for Financial Services Sector regulated in POJK No. 1 / POJK.07 / 2013 has not been able to reach peer to peer lending market since there is no regulation stating that peer to peer lending is included in the consumer financial services sector protection regulation. However, the views of the peer to peer lending organizers themselves have had several different ways to confuse lenders of various risks including the risk of default. Against Peer to Peer Lending products borrowed under the supervision of the Chief Executive Officer of IKNB OJK, the Loan to Peer Lending Service is overseen by the Financial Services Authority.

Item Type: Thesis (Sarjana)
Identification Number: SKR/FH/2017/304/051710487
Uncontrolled Keywords: -
Subjects: 300 Social sciences > 346 Private law > 346.07 Commercial law > 346.073 Loan
Divisions: Fakultas Hukum > Ilmu Hukum
Depositing User: Nur Cholis
Date Deposited: 31 Oct 2017 04:03
Last Modified: 03 Nov 2020 15:49
URI: http://repository.ub.ac.id/id/eprint/4624
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