Perlindungan Hukum Fintech Leading Ilegal Berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 77/Pojk.01/2016

Borobudur Law and Society Journal Pub Date : 2022-07-29 DOI:10.31603/7961

Diana Setiawati, Carisa Maharani, Latifah Kurniasih, Afifah Hapsari Afdah

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引用次数: 1

Abstract

The shift to the era of the industrial revolution 4.0 resulted in changes in the field of digital technology that were relatively fast. One of the innovations in human life is innovation in financial services, namely Fintech Peer-to-Peer Lending (Lending). Based on data obtained from the OJK, throughout 2018-2021, there are as many as 3,516 illegal lending entities that have been stopped by the OJK. Therefore, in order to provide legal protection, OJK issued Financial Services Authority Regulation (POJK) Number 77 / POJK.01 / 2016 concerning Information Technology-Based Money Lending and Borrowing Services (LPMUBTI). The purpose of this study is to understand the development of Fintech Lending and legal protection for society of illegal Fintech Lending in Indonesia. In this study, researchers used juridical-normative research methods. Based on this research, researchers found that fintech lending has been developing for a long time in Indonesia and became a promising industry in 2015. The community is legally protected both preventively and repressively from illegal fintech lending practices.

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根据金融服务管理局第77号/Pojk. 01/1，保护法律Fintech Leading是非法的

进入工业革命4.0时代，导致数字技术领域的变化相对较快。人类生活中的创新之一是金融服务的创新，即金融科技p2p借贷(Lending)。根据OJK获得的数据，在2018年至2021年期间，OJK已经阻止了多达3516个非法贷款实体。因此，为了提供法律保护，OJK发布了关于基于信息技术的借贷服务(LPMUBTI)的金融服务管理局条例(POJK)第77 / POJK.01 / 2016号。本研究的目的是了解印尼金融科技借贷的发展和对非法金融科技借贷社会的法律保护。在本研究中，研究者使用了司法规范研究方法。基于这项研究，研究人员发现，金融科技借贷在印度尼西亚已经发展了很长时间，并在2015年成为一个有前景的行业。该社区受到法律保护，既可以预防，也可以抑制非法金融科技贷款行为。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Borobudur Law and Society Journal

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