scholarly journals PENEGAKAN HUKUM TERHADAP PERUSAHAAN FINANCIAL TECHNOLOGY P2P LENDING DALAM KEGIATAN PENAGIHAN PINJAMAN UANG YANG MELANGGAR ASAS PERLINDUNGAN KONSUMEN DIKAITKAN DENGAN HUKUM PERLINDUNGAN KONSUMEN

2019 ◽  
Vol 2 (2) ◽  
pp. 156
Author(s):  
Raka Fauzan Hatami ◽  
Elisatris Gultom ◽  
Anita Afriana
Keyword(s):  
P2p Lending ◽  
Financial Technology

PERLINDUNGAN DATA PRIBADI PENERIMA PINJAMAN DALAM TRANSAKSI PINJAM MEMINJAM UANG BERBASIS TEKNOLOGI INFORMASI (PEER TO PEER LENDING)

2021 ◽  
Vol 50 (4) ◽  
pp. 789
Author(s):  
Hendrawan Agusta
Keyword(s):  
Peer To Peer ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

Perkembangan teknologi informasi sangat pesat, adanya kolaborasi antara teknologi informasi dengan berbagai bidang kehidupan melahirkan berbagai macam inovasi yang membuat kehidupan masyarakat semakin mudah. Inovasi di bidang teknologi informasi melahirkan model bisnis baru yang pada gilirannya mampu menghasilkan efisiensi bagi masyarakat. Revolusi teknologi informasi tersebut terus berkembang dan sekarang memasuki bidang keuangan yang regulasinya ketat. Kolaborasi antara teknologi informasi dengan bidang keuangan melahirkan Teknologi Finansial atau Financial Technology (Fintech), salah satunya pinjam-meminjam uang berbasis teknologi informasi (Peer to Peer Lending/P2P Lending). Masyarakat menjadi lebih mudah mengakses kebutuhan keuangannya melalui P2P Lending. Di sisi lain, muncul tantangan dalam P2P Lending mengenai perlindungan data (data pribadi, data transaksi dan data keuangan). Dalam penelitian ini yang akan dibahas hanya data pribadi Penerima Pinjaman, dimana data pribadi tersebut perlu dilindungi agar tidak terjadi penyalahgunaan yang menimbulkan permasalahan hukum

Legal protection for Provider in Peer to Peer Lending: an Example from Indonesian Regulation

2019 ◽  
Vol 2 (2) ◽  
Author(s):  
Trinas Dewi Hariyana
Keyword(s):  
Risk Management ◽  
Legal Protection ◽  
Peer To Peer ◽  
Bank Credit ◽  
Legal Certainty ◽  
P2p Lending ◽  
Credit Agreement ◽  
Dispute Resolution Mechanism ◽  
Settlement Mechanism ◽  
Financial Technology

The Financial Technology peer to peer (P2P) lending concept still finds many weaknesses, especially in terms of legal protection for parties and risk management from Fintech itself. P2P Lending Regulation in Indonesia currently uses POJK No. 77 / POJK / 2016 concerning technology-based money lending and borrowing services. The position of Fintech P2P lending is similar to a bank, but the concept is a different agreement. Fintech P2P lending funds can come from investors or funders or cooperate with legal entities or banks. Considering that the risk posed by Fintech P2P lending is very large, Fintech must also implement consumer protection, risk management and prudential principles like a bank credit agreement so as to cover the risk of bad credit, the Fintech platform uses other means to protect funds from investors or investors. the other is with the protection fund as done by the Coin works platform. The protection fund does not cover the entire fund invested by the funder, depending on the availability of protection funds and the amount of credit that is experiencing congestion. The POJK regulation in article 19 describes the agreement clause which must contain the dispute resolution mechanism and the settlement mechanism if the implementation of lending and borrowing services is not able to continue operations, so that with the rules related to the clause it is expected that the funder will still get legal certainty and protection for funds.

Development of Financial Technology With Reference to Peer-to-Peer (P2P) Lending in Indonesia

2021 ◽  
pp. 144-164
Author(s):  
Tulus T. H. Tambunan
Keyword(s):  
Small Businesses ◽  
Peer To Peer ◽  
Small Business Owners ◽  
Semistructured Interview ◽  
Group Discussions ◽  
Case Study Methodology ◽  
P2p Lending ◽  
Study Methodology ◽  
Financial Technology

This study aims to explore the growth of financial technology (fintech) and its impact on the ability of small businesses to access funding in Indonesia with reference to peer-to-peer (P2P) lending. It adopted a case study methodology using a semistructured interview and a series of focus group discussions (FGDs) with 10 owners of small businesses and 30 owners or managers of peer-to-peer (P2P) lending companies. Two important findings were (1) the sampled small businesses benefited from P2P lending and (2) banks are the most important investor in P2P lending companies. However, this study has its limitations. First, the sample was too small to generalize to a broader population. Second, there is no national data on credit to small businesses from P2P lending to support the findings of the case. To the authors' knowledge, this is the first study on this topic, specifically in Indonesia. It takes stock of the empirical evidence in the literature through the lens of small business owners.

scholarly journals URGENSI LEGALITAS FINANCIAL TECHNOLOGY (FINTECH): PEER TO PEER (P2P) LENDING DI INDONESIA

2019 ◽  
Vol 1 (2) ◽  
pp. 68-79
Author(s):  
Meline Gerarita Sitompul
Keyword(s):  
Peer To Peer ◽  
P2p Lending ◽  
Financial Technology

Financial Technologi (Fintech) lahir dan berkembang sesuai tuntutan zaman dimana proses pembayaran, transfer, jual beli, hingga pembiayaan diharapkan menjadi semakin praktis, aman dan modern. Salah satu layanan fintek yang mendapatkan perhatian adalah layanan peer to peer (P2P) lending. P2P lending adalah sebuah platform teknologi yang mempertemukan secara digital peminjam yang membutuhkan modal usaha dengan pemberi pinjaman yang mengharapkan return yang kompetitif. Selama ini untuk fintech peer to peer (P2P) lending khususnya layanan pinjam meminjam secara online yang terdaftar di OJK, payung hukumnya mengacu pada Peraturan OJK (POJK) Nomor 77 Tahun 2016. Berdasarkan POJK, OJK sebagai lembaga untuk mengatur, memberi izin dan mengawasi Fintech P2P Lending yang terdaftar. Sementara untuk fintech ilegal atau yang belum terdaftar di OJK, diperlukan regulasi yang lebih tinggi kedudukannya dari POJK. Merujuk data Kementerian Komunikasi dan Informatika saat ini sudah 803 fintech yang telah diblokir karena tak memiliki izin atau illegal.  Penelitian ini mencoba untuk membahas tentang urgensi legalitas financial technologi, khususnya P2P Lending di Indonesia. Sifat penelitian ini adalah deskriptif analitis. Di kemudian hari, pembahasan ini kiranya akan membuka jalan untuk memfasilitasi masyarakat Indonesia, khususnya yang mencari kepastian hukum dalam penggunaan financial technologi P2P Lending.  

scholarly journals Analysis Factors Affecting Lenders Intention In P2p Lending Platform Using Utaut2 Model

2021 ◽  
Vol 12 (3) ◽  
pp. 3527-3537
Author(s):  
Angelina Et.al
Keyword(s):  
Unified Theory ◽  
Key Factors ◽  
Factors Affecting ◽  
Traditional Markets ◽  
Positive Effects ◽  
Use Of Technology ◽  
Effort Expectancy ◽  
P2p Lending ◽  
Lending Activity ◽  
Financial Technology

Peer-to-Peer (P2P) lending platform is relatively new to Indonesian market and it managed to dominate Financial Technology in Indonesia by 2019. This fast growth is influenced by simple borrowing and lending activity regulation compared to more traditional markets like banks. Most of previous studies had been focusing on borrowers’ side whereas the lender's side was minimally highlighted. Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) is used to analyze key factors that affect the usage of P2P Lending with addition of trust and risk. This research used SmartPLS to calculate the effect of each variable and found that effort expectancy, social influence, facilitating condition, trust, and risk have positive effects on lenders intention to use the P2P lending platform

scholarly journals Problematika Hukum Pada Peer To Peer Lending di Indonesia Dalam Perspektif Hukum Persaingan Usaha

2019 ◽  
Vol 2 (6) ◽  
pp. 2025
Author(s):  
Cheyzsa Mega Andhini S.P
Keyword(s):  
Peer To Peer ◽  
Relevant Market ◽  
P2p Lending ◽  
Peer Lending ◽  
Financial Technology

E-commerce yang merupakan bentuk perdagangan elektronik menjadi tren dalam perdagangan di Indonesia saat ini. Tidak hanya perdagangan secara elektronik saja melainkan diiringi dengan adanya pembayaran secara elektronik yang kita kenal dengan Financial Technology (Selanjutnya disingkat fintech). Fintech adalah sebuah inovasi di dalam bidang jasa keuangan. Fintech yang bermunculan di Indonesia ini menjadi salah satu alternatif dalam hal pembayaran berbasis online. Salah satu jenisnya adalah sistem kredit secara online yang disebut dengan P2P Lending. P2P Lending secara legal diatur dalam Peraturan Otoritas Jasa Keuangan Nomor 77/ POJK.01/2016 Tentang Layanan Pinjam Meminjam Berbasis Teknologi Informasi, sebagai dasar hukum terkait sistem pinjam meminjam dengan system elektronik. P2P Lending yang bermunculan di Indonesia membuat pihak bank konvensional juga menawarkan fasilitas yang sama pada perbankan yaitu sistem kredit online. Kesamaan fasilitas antara P2P Lending dan Kredit Online Sistem ini menimbulkan persaingan usaha tidak sehat, karena mereka berada pada relevant market yang sama.

LEGAL PROTECTION FOR DEBTORS OF ONLINE LOANS

2020 ◽  
Vol 4 (1) ◽  
pp. 46
Author(s):  
Dimas Pramodya Dwipayana
Keyword(s):  
Legal Protection ◽  
Peer To Peer ◽  
Financial Transaction ◽  
P2p Lending ◽  
Bad Loans ◽  
Loan Quality ◽  
Low Rate ◽  
Research Show ◽  
Financial Technology

Business concepts has experienced change from conventional (offline) to that which is digital (online) to win the market. This includes businesses in the financial technology (FinTech). This research aims to analyze the quality of loans in Indonesia FinTech-Peer to Peer (P2P) Lending. The objects of this research are seventy-two companies which establish FinTech-P2P lending. The tool used in this research is the analysis of the loan quality and the data trend from January until October 2018. Results of this research show that borrower and lender accounts have increased by 10,8 times, and it has increased by 1,8 times compared to the previous year. P2P lending has distributed loans as much as Rp.15.990.143.141.355 until October 2018. This number has grown 5,3 times since January of that year. Most of the loans in the P2P lending are current loans, in which its monthly payment is less than 30 days past due as of any date of determination. On average, the loan quality in the P2P lending is dominated by current loans, which reach 97,09%. The rest are non-current loans (1,90%) and bad loans (1,03%) every month. The low rate of non-performing loans shows a good quality of financial transaction. The information from this research may be used as a consideration for the society in using FinTech-P2P Lending for lending funds and investment.

An Overview of Financial Technology in Indonesia

2020 ◽  
pp. 216-224 ◽  
Author(s):  
Muhammad Anshari ◽  
Mohammad Nabil Almunawar ◽  
Masairol Masri
Keyword(s):  
Rapid Change ◽  
Financial System ◽  
Peer To Peer ◽  
Channel System ◽  
The Past ◽  
The People ◽  
P2p Lending ◽  
Financial Technology ◽  
The Way

Financial technology (FinTech) has been developing at a tremendous rate all around the globe. This chapter will show how banking and financial system has evolved by financial technology which affected the way of how society is living now. There is a rapid change of FinTech for the past few years in Indonesia. These changes have made an impact to the people in Indonesia. As for the exploration to the rise of FinTech in Indonesia, it is important to understand the development and challenges of FinTech in Indonesia by looking changing Indonesian people's behavior in terms of FinTech's adoption include payment channel system, digital banking, peer-to-peer (P2P) lending, and crowdfunding.

Fintech Syariah: Kolaborasi Teknologi dan Moral sebagai Instrumen Pembiayaan di Masa Depan

2021 ◽  
Vol 4 (2) ◽  
pp. 122-130
Author(s):  
Imama Zuchroh
Keyword(s):  
P2p Lending ◽  
Financial Technology

Kemajuan serta perkembangan teknologi begitu pesat. Industri keuangan adalah salah satu bidang yang menerima dampak positif tersebut. Instrumen pembiayaan berbasis teknologi atau financial teknologi salah satu yang cukup hangat dibicarakan. Fintech seolah menemukan momentum disaat pandemi mendera. Ketika belajar hingga bekerja diharuskan di rumah,  operasional usaha dikurangi dan mobilisasi pun dibatasi. Dan wabahpun turut menjadi bencana bagi dunia usaha. Sehingga  permodalan menjadi ikhtiar banyak pelaku usaha yang mengalami dampaknya. Maka fintek, salah satunya p2p lending, menjadi oase dengan kemudahan akses serta luasnya jangkauan. Fintech syariah turut mengambil peran pada jasa keuangan ini. Dalam kajian kali ini peneliti ingin memberikan gambaran mengenai kekuatan fintek syariah dalam industri keuangan. Berdasarkan data OJK (Otoritas Jasa Keuangan) jumlah fintek syariah masih kalah dibanding fintek konvensional Memang saat ini jumlah platform yang masih terbatas. Namun masa depan dari fintek syariah mempunyai daya saing yang bisa diandalkan serta mempunyai peran besar dalam efisiensi serta pelayanan terhadap masyarakat pada industri keuangan. Kajian ini mengunakan metode studi kepustakaan terhadap fenomena berkembangnya era financial technology. Literatur yang digunakan dalam makalah ini berasal dari jurnal ilmiah baik secara nasional maupun internasional dan ditunjang dengan buku-buku ilmiah lainnya.Untuk menganalisa peran fintek syariah di masa depan sebagai instrumen pembayaran yang utama.

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