Politics of Law for the Protection of Debtors as Consumers in Fintech based Loaning Services Private and Commercial Law
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Published
Nov 12, 2020
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Abstract
This study aims to analyze legal protection related to technology-based lending and borrowing services. The research method used is normative legal research, with a statutory approach, namely an approach using legislation and regulations, and a conceptual approach that refers to existing legal doctrines. The data collection technique used was a literature study. The results show that legal protection for debtors as consumers has not been realized because the consumer dispute resolution mechanism for non-PUJK activities has not been regulated, there is no regulation regarding the interest rate ceiling and mechanisms related to the collection process, and because of the lack of strict sanctions against online loan administrators who commit violations.
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How to Cite
Dinanti, D., Sakti, M., Irfani, I. P., & Pramita, S. A. (2020). Politics of Law for the Protection of Debtors as Consumers in Fintech based Loaning Services. Unnes Law Journal, 6(2), 427-444. https://doi.org/10.15294/ulj.v6i2.40349
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Review Article
References
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Gozali, D. S., & Usman, R. (2012). Hukum Perbankan. Jakarta: Sinar Grafika.
Hartanto, R., & Ramli, J. P. (2018). Hubungan Para Pihak dalam Peer to Peer Lending. Jurnal Hukum Ius Quia Iustum, 25(2), 320-338. https://doi.org/10.20885/iustum.vol25.iss2.art6
Supriyanto, E., & Ismawati, N. (2019). Sistem Informasi Fintech Pinjaman Online Berbasis Web. JUST IT: Jurnal Sistem Infromasi Teknologi Informasi dan Komputer, 9(2), 100-107. https://doi.org/10.24853/justit.9.2.100-107
KOIN WORKS. (2019). https://koinworks.com/id/education-center/industri-peer-to-peer-lending, accessed on 23 December 2019, 21:34 WIB
Kusumaatmadja, M. (2002). Hukum dalam Pembangunan. Bandung: Alumni.
LBH Jakarta. (2019). “Tindak Pidana Korban Pinjaman Onlineâ€, Report, retrieved from http://www.bantuanhukum.or.id/web/laporan-tindak-pidana-korban-pinjol/, accessed on 20 December 2019.
Nurmantari, N.N.A.D., & Martana, N. A. (2019). Perlindungan Hukum Terhadap Data Pribadi Peminjam Dalam Layanan Aplikasi Pinjaman Online. Kerta Wicara, 8(12), 1-14. https://ojs.unud.ac.id/index.php/kerthawicara/article/view/50656
Posner, R. A. (1994). Economic Analysis of Law, 4th Ed. USA: Harvard University Press.
Raharjo, S. (2000). Ilmu Hukum. Bandung: PT.Citra Aditya Bakti.
Rasjidi, L., & Putra, I.B.W. (1993). Hukum Sebagai Suatu Sistem. Bandung: Remaja Rosdakarya.
Rizki, M. J. (2019). “Mari Kenali Mekanisme Penagihan yang terdapat di Perusahaan Fintechâ€, Hukum Online, retrieved from https://www.hukumonline.com/berita/baca/lt5b98fc52d2e40/mari-kenali-mekanisme-penagihan-yang-tepat-di-perusahaan-fintech, accessed on 19 November 2019.
Sari, A. R. (2018). Perlindungan Hukum Bagi Pemberi Pinjaman dalam Penyelenggaraan Financial Technology Berbasis Peer to Peer Lending di Indonesia. Thesis. Yogyakarta: Universitas Islam Indonesia.
Sugianto, D. (2019). “YLKI sebut Banyak Aduan Soal Aplikasi Utang Onlineâ€, News Online DETIK, retrieved from https://finance.detik.com/moneter/d-4105636/ylki-sebut-banyak-aduan-soal-aplikasi-utang-online, accessed on 19 November 2019.
Tampubolon, H. R. (2019). Seluk Beluk Peer to Peer Lending sebagai Wujud Baru Keuangan di Indonesia. Jurnal Bina Mulia Hukum, 3(2), 188-198. https://doi.org/10.23920/jbmh.v3n2.15
Tampubolon, W. S. (2016). Upaya Perlindungan Hukum Bagi Konsumen Ditinjau dari Undang-Undang Perlindungan Konsumen. Jurnal Ilmiah Advokasi, 4(1), 53-61. https://doi.org/10.36987/jiad.v4i1.356