Perlindungan Hukum Terhadap Peminjam Dalam Layanan Pinjam Meminjam Peer To Peer Lending

Fransiska, Rehulina Fredty Maria (2022) Perlindungan Hukum Terhadap Peminjam Dalam Layanan Pinjam Meminjam Peer To Peer Lending. S1 thesis, Universitas Kristen Indonesia.

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Abstract

Penelitian ini bertujuan untuk mengidentifikasi peran OJK dalam pinjam meminjam pnline serta perlindungan hukum antara para pihak dalam aplikasi pinjaman online berbasis peer to peer lending, serta menganalisis kepastian hukum pemberi pinjaman terhadap penerima pinjaman. Berdasarkan hasil penelitian, bahwa hubungan hukum antara para pihak dalam transaksi peer-to-peer lending timbul sebagai akibat adanya kesepakatan yang disepakati oleh para pihak. Dalam hal ini, para pihak tersebut adalah antara kreditur dan debitur dan kreditur dengan platform. Penelitian ini menggunakan metode penelitian yuridis normaatif dengan pendekatan peraturan perundang - undangan. Adapun sumber data yang digunakan adalah bahan hukum yang berisi aturan-aturan yang bersifat kepustakaan. Penyelenggara dalam menyeleksi, menganalisis, dan menyetujui aplikasi pinjaman yang diajukan oleh penerima pinjaman untuk ditawarkan kepada Pemberi Pinjaman. Adapun perlindungan hukum dalam transaksi peer to peer lending yaitu dengan bertentangan dengan POJK Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang berbasis Teknologi Informasi./ This study aims to identify OJK rule on supervising online long with a legal protection between the parties in peer to peer lending transactions, as well as to analyze the legal certainty of lenders against loan recipients who default in peer to peer lending transactions. Based on the results of research and discussion, it shows that the legal relationship between the parties in peer to peer lending transactions arises because of an agreement that has been agreed upon by the parties. In this case, the agreement is between the creditor and the debtor and the creditor with the platform. This study uses the legal research method with a normative approach. The data sources used are not data or social facts, because in legal research, the legal material being studied is legal material that contains bibliographical rules. The obtained data were analyzed using the method of studying the literature related to legal theories and related laws and regulations by searching and studying library materials. Legal protection in peer-to-peer lending transactions is contrary to Law No. 77 / POJK.01 / 2016 on lending and lending services based on information technology.

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