Legal Review of Financial Technology Peer To Peer Lending Based on Indonesian Collateral Law Perspective
DOI:
https://doi.org/10.33096/substantivejustice.v3i2.73Keywords:
Collateral, Financial Technology, LoanAbstract
In fulfilling everyday needs, certainly needing equipment and supporting equipment in practice. However, due to limited capital, the background of the birth of legal entities from the government to the private sector offered a program to lend money which was then used for capital. In the process, this loan is often called a credit agreement in which the minimum requirement is a guarantee that will later be used as a collateral object. The guarantee acts as an addition (accesoir) to the main agreement which is to convince the creditor of the assets of the debtor and their ability to make payments later. Because not everyone has sufficient assets to make a loan, a guarantee institution arises that provides a loan program without using collateral. In connection with the development of technology, a new program was born, namely peer to peer lending based on financial technology. Ease in requirements and track record written in a system is the attraction of this type of loan, but because it is regulated by the system, there can be a mismatch of what is promised.
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References
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Basrowi, B. (2019). Analisis Aspek Dan Upaya Perlindungan Konsumen Fintech Syariah. Lex Librum: Jurnal Ilmu Hukum, 5(2), 959-980. DOI: http://dx.doi.org/10.46839/lljih.v5i2.134.
Benuf, K., Mahmudah, S., & Priyono, E. A. (2019). Perlindungan Hukum Terhadap Keamanan Data Konsumen Financial Technology Di Indonesia. Refleksi Hukum: Jurnal Ilmu Hukum, 3(2), 145-160. DOI: https://doi.org/10.24246/jrh.2019.v3.i2.p145-160.
Benuf, K., Njatrijani, R., Priyono, E.A., & Adhim, N. (2020). Pengaturan Dan Pengawasan Bisnis Financial Technology Di Indonesia. Dialogia Iuridica: Jurnal Hukum Bisnis dan Investasi, 11(2), 46-69. DOI: https://doi.org/10.28932/di.v11i2.2001.
Chosyali, A., & Sartono, T. (2019). Optimalisasi Peningkatan Kualitas Kredit Dalam Rangka Mengatasi Kredit Bermasalah. Law Reform, 15(1), 98-112. DOI: https://doi.org/10.14710/lr.v15i1.23357.
Dewi, P. M. (2020). Credit Insurance as an Effort to Overcome Bad Credit Risk in Modern Banking Economy in the Industrial Revolution 4.0 in Indonesia. UNIFIKASI: Jurnal Ilmu Hukum, 7(1), 88-95. DOI: https://doi.org/10.25134/unifikasi.v7i1.2702.
Disemadi, H. S. (2019). Risk Management in the Provision of People’s Business Credit as Implementation of Prudential Principles. Diponegoro Law Review, 4(2), 194-208. DOI: https://doi.org/10.14710/dilrev.4.2.2019.194-208.
Disemadi, H. S., & Prananingtyas, P. (2019). Perlindungan Hukum Terhadap Nasabah Perbankan Pengguna CRM (Cash Recycling Machine). Jurnal Magister Hukum Udayana (Udayana Master Law Journal), 8(3), 286-402. DOI: https://doi.org/10.24843/JMHU.2019.v08.i03.p07.
Disemadi, H. S., & Prananingtyas, P. (2020). Online Insurance Existence In Indonesia Based On Islamic Legal Perspective As A Protection Of Spiritual Rights. Jurisdictie, 11(1), 48-66. DOI: http://dx.doi.org/10.18860/j.v11i1.7519.
Efendi, B., & Lestari, C. R. (2018). Penentuan Nilai Limit Oleh Bank Kreditur Berdasarkan Penaksiran Oleh Penaksir. Kanun Jurnal Ilmu Hukum, 20(1), 83-102. DOI: https://doi.org/10.24815/kanun.v20i1.9934.
Falahiyati, N. (2020). Tinjauan Hukum Kontrak Elektronik Dalam Pinjam Meminjam Uang Berbasis Teknologi Informasi (Transaksi Peer To Peer Lending). Jurnal Justiqa, 2(1), 1-11. http://www.portaluniversitasquality.ac.id:5388/ojssystem/index.php/JUSTIQA/article/view/325.
Faried, F. S., & Dewi, N. (2020). Peran Otoritas Jasa Keuangan dalam Pengaturan dan Pengawasan Jasa Layanan Keuangan Berbasis Teknologi (Financial Technology). Jurnal Supremasi, 10(1), 12-22. DOI: https://doi.org/10.35457/supremasi.v10i1.845.
Hariyani, I. (2017). Perlindungan Hukum dan Penyelesaian Sengketa Bisnis Jasa PM-Tekfin. Jurnal Legislasi Indonesia, 14(3), 345-358. http://e-jurnal.peraturan.go.id/index.php/jli/article/view/136.
Iman, N. (2016). Financial Technology and Financial Institutions, (Yogyakarta: Gathering Mitra Linkage Bank Syariah Mandiri).
Jafar, A. R. (2019). Fungsi Pengawasan Otoritas Jasa Keuangan (Ojk) Terkait Perlindungan Konsumen Pada Layanan Peer To Peer Landing Fintech. Ahkam: Jurnal Hukum Islam, 7(2), 215-234. DOI: 10.21274/ahkam.2019.7.2.
Kurniawati, A.L. (2017). Peranan Jaminan Dalam Penyelesaian Pembiayaan Bermasalah Di Bmt Tumang Cabang Delanggu Kabupaten Klaten. (Surakarta: Skripsi Universitas Muhammadiyah Solo).
Nafiah, R., & Faih, A. (2019). Analisis Transaksi Financial Technology (Fintech) Syariah dalam Perspektif Maqashid Syariah. IQTISHADIA: Jurnal Ekonomi & Perbankan Syariah, 6(2), 167-175. DOI: http://dx.doi.org/10.19105/iqtishadia.v6i2.2479.
Ningsih, A. S., & Disemadi, H. S. (2019). Breach of contract: an Indonesian experience in akad credit of sharia banking. Ijtihad: Jurnal Wacana Hukum Islam dan Kemanusiaan, 19(1), 89-102. DOI: https://doi.org/10.18326/ijtihad.v19i1.89-102.
Ningsih, A. S. (2020). License Revocation of Insurance Companies and Legal Protections of the Policyholders. Jurnal Hukum Novelty, 11(1), 95-104. DOI: http://dx.doi.org/10.26555/novelty.v11i1.a15139.
Njatrijani, R. (2019). Perkembangan Regulasi Dan Pengawasan Financial Technologydi Indonesia. Diponegoro Private Law Review, 4(1), 462-474. https://ejournal2.undip.ac.id/index.php/dplr/article/view/5109.
Nugraheni, N., & Aziza, Q. A. (2020). The Existence Of Collateral In Credit Through Peer-To-Peer Lending Services. Yustisia Jurnal Hukum, 9(1), 98-115. DOI: https://doi.org/10.20961/yustisia.v9i1.39783.
Otoritas Jasa Keuangan. (nd). Faq Otoritas Jasa Keuangan, Retrived from https://www.ojk.go.id/id/Pages/FAQ-Otoritas-Jasa-Keuangan.aspx, June 18, 2020.
Patrik, P., & Kashadi. (2009). Hukum Jaminan. (Semarang: Badan Penerbit Universitas Diponegoro).
Priyonggojati, A. (2019). Perlindungan Hukum Terhadap Penerima Pinjaman Dalam Penyelenggaraan Financial Technology Berbasis Peer To Peer Lending. Jurnal Usm Law Review, 2(2), 162-173. DOI: http://dx.doi.org/10.26623/julr.v2i2.2268.
Rahmayani, N. (2018). Tinjauan Hukum Perlindungan Konsumen Terkait Pengawasan Perusahaan Berbasis Financial Technology di Indonesia. Pagaruyuang Law Journal, 2(1), 24-41. http://jurnal.umsb.ac.id/index.php/pagaruyuang/article/view/887.
RBC and CNN Indonesia. (2019). Awal Mula Hadirnya Peer-To-Peer Lending di Indonesia, Retrived from https://www.cnnindonesia.com/teknologi/20180830172622-185-326250/awal-mula-hadirnya-peer-to-peer-lending-di-indonesia, June, 18, 2020.
Remus, D., & Levy, F. (2017). Can Robots be Lawyers: Computers, Lawyers, And The Practice Of Law. Geo. J. Legal Ethics, 30, 501
Saputra, A. S. (2019). Peer To Peer Lending Di Indonesia Dan Beberapa Permasalahannya. Veritas et Justitia, 5(1), 238-261. DOI: https://doi.org/10.25123/vej.3057.
Sari, A.R. (2018). Perlindungan Hukum Bagi Pemberi Pinjaman Dalam Penyelenggaraan Financial Technology Berbasis Peer To Peer Lending Di Indonesia. (Yogyakarta: Skripsi Universitas Islam Indonesia).
Siddharta. (2019). The Fintech Edge First Edition: Peer-To-Peer Lending, Retrived from kpmg.com/id, June 19, 2020.
Tampi, M. M. (2019). Menakar Progresivitas Teknologi Finansial (Fintech) Dalam Hukum Bisnis Di Indonesia. Era Hukum-Jurnal Ilmiah Ilmu Hukum, 16(2), 246-281. DOI: http://dx.doi.org/10.24912/erahukum.v16i2.4529.
Wahyuni, R. A. E. (2019). Perkembangan Ekonomi Islam Di Indonesia Melalui Penyelenggaraan Fintech Syariah. Mahkamah: Jurnal Kajian Hukum Islam, 4(2), 184-192. DOI: 10.24235/mahkamah.v4i2.5207.
Wahyuni, R. A. E. (2020). Strategy of Illegal Technology Financial Management in Form of Online Loans. Jurnal Hukum Prasada, 7(1), 27-33. DOI: https://doi.org/10.22225/jhp.7.1.1324.27-33.
Wahyuni, R.A.E., & Turisno, B. E. (2019). Praktik Finansial Teknologi Ilegal Dalam Bentuk Pinjaman Online Ditinjau Dari Etika Bisnis. Jurnal Pembangunan Hukum Indonesia, 1(3), 379-391. DOI: https://doi.org/10.14710/jphi.v1i3.379-391.
Published
2020-12-01
How to Cite
Ningsih, A. S. (2020). Legal Review of Financial Technology Peer To Peer Lending Based on Indonesian Collateral Law Perspective. Substantive Justice International Journal of Law, 3(2), 109–124. https://doi.org/10.33096/substantivejustice.v3i2.73
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