PERLINDUNGAN HUKUM LENDER DALAM TRANSAKSI PEER TO PEER LENDING KAITANNYA PLATFORM YANG MELAKUKAN PERBUATAN MELAWAN HUKUM

Nabila Rahma Gustami, Yudho Taruno Muryanto

Abstract

This article aims to find out the first, the regulation of peer to peer lending transactions in the rule of law in Indonesia and the second, the form of legal protection against lenders in peer to peer lending transactions in relation to platforms that commit illegal acts. This type of research is normative with a prescriptive nature of research. Based on the results of research and discussion, the authors show that the regulation of peer to peer lending transactions in the rule of law in Indonesia has been regulated in several regulations, Undang-Undang Number 21 of 2011, Undang-Undang Number 11 of 2008 as amended by Undang-Undang Number 19 of 2016 , Financial Services Authority Regulation Number 77 / POJK.01 / 2016, Financial Services Authority Regulation Number 13 / POJK.02 / 2018, Bank Indonesia Regulation Number 19/12/ PBI / 2017. And as for the form of legal protection for lenders in peer to peer lending transactions, the relationship between platforms committing acts against the law is regulated in the Financial Services Authority Regulation Number 77/POJK.01/2016

Keywords

Financial Technology; Peer to Peer Lending; Regulations; Legal Protection.

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References

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Internet :

https://dailysocial.id/post/afpi-resmi-p2p-lendingdiakses tanggal 27 Desember pukul 07:22 WIB

Undang-Undang :

Kitab Undang-Undang Hukum Perdata

Undang-Undang Nomor 21 Tahun 2011 tentang OJK

Undang-Undang Nomor 11 Tahun 2008 sebagaimana diubah Undang-Undang Nomor 19 Tahun 2016 tentang Informasi dan Transaksi Elektronik

Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang Pinjam Meminjam Uang Berbasis Teknologi Informasi

Peraturan Otoritas Jasa Keuangan Nomor 13/POJK.02/2018 tentang Inovasi Keuangan Digital (IKD) di Sektor Jasa Keuangan

Peraturan Bank Indonesia Nomor 19/12/PBI/2017 tentang Penyelenggaraan Teknologi Financial

DOI: https://doi.org/10.20961/privat.v11i2.48758

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