PERLINDUNGAN HUKUM TERHADAP PARA PIHAK DI DALAM LAYANAN FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER (P2P) LENDING (Studi Kasus di PT. Pasar Dana Pinjaman Jakarta)

Abstract

ABSTRACT

This resourch takes a law protecting problem for fintech peer to peer lending service user. This resource takes a problem about law protection for peer to peer service user. That problem is based on many new problems happening because of peer to peer lending service. Even peer to peer lending service gives many new inovations at money transaction which at are hoped to be able to give amenity, efficiency, and speed on transtraction, but many risks will happend to service user. The formula problem of this research is about three things. Those are how  loan mechanism is done by using fintech peer to peer lending, how the law protection will be given for loan lending if loan receiver doing a default, and how the protection low is being for loan receiver at his safety data. This research uses the kind of yuridis empiris with using sosiological yuridis approach. The result shows that service operator must give the law protection for fintech peer to peer lending service user.

Keywords : Financial Technology, Peer To Peer Lending, The Law Protection 

 

ABSTRACT

Penelitian ini mengangkat permasalahan tentang perlindungan hukum bagi para pihak penggun layanan peer to peer lending. Permasalahan tersebut dilatarbelakangi oleh banyak lahirnya permasalahan baru akibat adanya layanan peer to peer lending.  Meskipun layanan peer to peer lending memberi banyak inovasi baru dalam transaksi keuangan, yang diharapkan dapat memberikan kemudahan, efisiensi dan kecepatan dalam bertaransaksi, namun banyak risiko bagi pengguna layanan tersebut. Rumusan masalah dalam penelitian ini meliputi tiga hal yaitu : bagaimana mekanisme pinjam meminjam dalam fintech peer to peer lending?, bagaimana bentuk perlindungan hukum bagi pihak pemberi pinjaman apabila penerima pinjaman melakukan suatu wanprestasi?, bagaimana bentuk perlindungan hukum bagi pihak penerima pinjaman dalam hal keamanan data pribadi?. Penelitian ini menggunakan jenis penelitian yuridis empiris  dengan menggunakan pendekatan yuridis sosiologis. Hasil penelitian ini menunjukkan bahwa, pihak penyelenggara layanan wajib memberikan perlindungan hukum bagi pengguna layanan fintech peer to peer lending.

Kata Kunci : Financial Technology, Peer to Peer Lending, Perlindungan Hukum.