PERLINDUNGAN HUKUM YANG BERBASIS ASAS PROPORSIONAL TERHADAP DEBITUR DAN KREDITUR DALAM PERJANJIAN PINJAM MEMINJAM BERBASIS TEKNOLOGI FINANSIAL (FINTECH)

LANISYA, AMANDA and Febrian, Febrian and Syaifuddin, Muhammad (2019) PERLINDUNGAN HUKUM YANG BERBASIS ASAS PROPORSIONAL TERHADAP DEBITUR DAN KREDITUR DALAM PERJANJIAN PINJAM MEMINJAM BERBASIS TEKNOLOGI FINANSIAL (FINTECH). Master thesis, Sriwijaya University.

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Abstract

In a loan agreement based on financial technology (fintech), the debtor experiences intimidating billing, imposition of unreasonable interest, and misuse of the debtor's personal data. The results of this study is, fintech is in the form of an application (platform) where creditor and debtor are brought together by fintech organizer as an online market place including agreement between creditor and provider and agreement between provider and debtor. The organizer gets a percentage fee from the debtor, and the creditor gives the authority to the organizer to manage and distribute the fund. The form and process of legal protection that is fair or proportional to debtor and creditorare : for debtor to charge high interest if not agreed, can report the organizer to the OJK to be subjected to administrative sanction. Intimidative billing and misuse of personal data by individual debt collector, the criminal provision in the Criminal Code and ITE Law are applied but do not abort the debtor's debt; the creditor who suffers a loss may report the organizer to the OJK as a dispute resolution outside the Court in addition to suing based on the provisions of Article 1365 of the Civil Code. OJK's supervision of fintech is based on ITE Law; OJK Law; PBI No. 19/12/PBI/2017; POJK No. 77/POJK.01/2016; POJK No. 13/POJK.02/2018; and OJK Board of Commissioners Decision No. 01/KDK.01/2016. The repressive form of supervision is the sanction of fines and revocation of the operational license of the organizer. Preventively : request for recording before the application for registration is mandatory for organizer who will or have carried out fintech activities; The organizer is tested in a regulatory sandbox; the organizer is obliged to apply the principle of independent monitoring; formation of organizing associations by OJK; and supervision regulated in separate articles, including but not limited to supervision including risk-based supervision principles, technology and market discipline; registered organizer must implement anti-money laundering and prevent terrorism funding program in the consumer financial service sector; and the establishment of a Task Force for Handling Alleged Unlawful Acts in the Field of Community Fund Collection and Investment Management.

Item Type: Thesis (Master)
Uncontrolled Keywords: Creditor, Debtor, Financial Services Authority (OJK), Financial Technology (Fintech), Legal Protection,Loan Agreement
Subjects: K Law > K Law (General) > K100-103 Legal education
Divisions: 02-Faculty of Law > 74101-Law (S2)
Depositing User: Users 3474 not found.
Date Deposited: 02 Dec 2019 03:04
Last Modified: 02 Dec 2019 03:04
URI: http://repository.unsri.ac.id/id/eprint/19333

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