PERLINDUNGAN HUKUM TERHADAP NASABAH DALAM PINJAMAN ONLINE DENGAN FIDUSIA

Noviandari, Alicia (2020) PERLINDUNGAN HUKUM TERHADAP NASABAH DALAM PINJAMAN ONLINE DENGAN FIDUSIA. Diploma thesis, Universitas Islam Kalimantan MAB.

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Abstract

Kegiatan ekonomi di era sekarang lebih mudah dilakukan karena dilakukan secara digital dan berbasis internet. Kehadiran ekonomi digital karena perkembangan zaman dan kemajuan teknologi yang pesat sekarang membawa iklim baru mempermudah kegiatan industri saat ini yang kehadirannya mulai dirasakan masyarakat. Pada zaman sekarang masyarakat dengan mudahnya mengakses internet layanan jasa keuangan melalui gadget dengan Fintech (Financial Technology) dan memudahkan masyarakat karena kemudahan, cepat, dan nyaman digunakan. Dengan adanya kemajuan teknologi digital yang berbasis internet ini memudahkan masyarakat dalam bidang komunikasi dan juga bermanfaat untuk melakukan usaha, salah satunya yaitu usaha di bidang keuangan. Financial Technology (Fintech) adalah inovasi di bidang jasa keuangan yang sedang tren di Indonesia. Financial Technology (Fintech)memberi akses melalui produk keuangan yang lebih praktisdan efektif untuk kreditur maupun kreditur. Seiring dengan perubahan gaya hidup yang lebih modern Fintech (Financial Technology) muncul dan diminati para pengguna teknologi informasi karena sangat memudahkan, praktis, dan cepat. Dengan Financial Technology (Fintech), permasalahan transaksi dalam jual-beli dan praktis dalam pembayaran, transfer dana ke Bank/ATM, pelayanan di suatu tempat yang kurang menyenangkan dapat diminimalkan dan kurang maximal. Financial Technology (Fintech) sangat membantu transaksi dalam jual-beli dan sistem pembayaran lebih efesien dan efektif. Layanan Financial Technology (Fintech), perjanjian pinjam meminjam hanya antara Pemberi Pinjaman (kreditur) dan Penerima Pinjaman (debitur). Penelitian ini difokuskan pada dua rumusan masalah, yaitu Bagaimana pengaturan hukum terhadap pinjaman melalui online dengan fidusia, Apa bentuk perlindungan hukum terhadap debitur (penerima pinjaman) dan kreditur (pemberi pinjaman) dalam pinjaman melalui online dengan fidusia. Penelitian ini merupakan penelitian hukum normatif. Data penelitian dikumpulkan melalui studi pustaka dan studi dokumen. Analisis dilakukan dengan menggunakan metode analisis data kualitatif. Hasil penelitian ini menunjukan Perlindungan terhadap penerima pinjaman (nasabah) dapat terwujud secara Preventif berdasarkan Peraturan Otoritas Jasa Keuangan No.77/POJK.01/2016 tentang layanan Pinjam meminjam uang berbasis teknologi Informasi, yaitu dengan menerapkanprinsip-prinsip dasar bagi Penyelenggara, dan perlindungan hukum secara Refresif berdasarkan Peraturan Otoritas Jasa Keuangan No.01/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan, Penyelenggara wajib memberikan ganti rugi kepada pihak yang dirugikans ebagai akibat kesalahan atau kelalaian Penyelenggara Fintech (Financial Technology) dalam hal menyeleksi dan menganalisis calon debitur (Penerima Pinjaman) yang akan diajukan kepada kreditur (Pemberi Pinjaman). Dari penelitian ini diperoleh hasil bahwa perlindungan hukum terhadap nasabah dalam pinjaman online dengan fidusia diperlukan untuk penegakan hukum dan kejelasan bagaimana tata cara dan perlindungan hukum terhadap debitur maupun kreditur dalam pinjaman online atau yang sering disebut dengan Fintech (Financial Technology). Many economic activities in the current era will be done digitally or based on the internet. The presence of the digital economy will certainly bring a new climate in industrial activities, which is now beginning to be felt by the community, this is driven by the rapid development of technology. Nowadays people easily access internet financial services through gadgets or what is often referred to as Financial Technology and makes it easier for people because it is easy, fast, and comfortable to use. With the advancement of digital or internet-based technology, it makes it easier for people in the field of communication and is also useful for doing business, one of which is business in the financial sector. Financial Technology (Fintech) is an innovation in financial services that is trending in Indonesia. Financial Technology (Fintech) provides access to financial products so that transactions become more practical and effective for creditors and creditors. Along with changes in the lifestyle of a more modern society, Financial Technology (Fintech) appears and is dominated by information technology users because it is very easy, practical, and fast. With Financial Technology (Fintech), problems in buying and selling transactions and payments are more practical, to banks / ATMs to transfer funds, reluctance to visit places due to unpleasant services can be minimized. Financial Technology (Fintech) is very helpful in buying and selling transactions and the payment system is more efficient and economical but still effective. Financial Technology (Fintech) Service, a loan and loan agreement only between the Lender (creditor) and the Borrower (debtor). This research is focused on two problem formulations, namely how the legal arrangement of online loans with fiduciary, what forms of legal protection for creditors and debtors in online loans with fiduciary. This research is a normative legal research. The research data was collected through literature study and document study. The analysis was performed using qualitative data analysis methods. The results of this study indicate that the protection of loan recipients (customers) can be realized in a preventive manner based on the Financial Services Authority Regulation No.77 / POJK.01 / 2016 concerning Information technology-based lending and borrowing services, namely by applying basic principles for the Operator, and legal protection. In a expressive manner based on Financial Services Authority Regulation No.01 / POJK.07 / 2013 concerning Consumer Protection in the Financial Services Sector, Providers are required to provide compensation to the injured party as a result of errors or negligence of the Fintech Provider in terms of analyzing and selecting prospective Loan Recipients who will be submitted to the Provider Loan. From this research, it is found that legal protection for customers in online loans with fiduciary is needed for law enforcement and clarity of procedures and legal protection for debtors and creditors in online loans or what is often called Financial Technology.

Item Type: Thesis (Diploma)
Uncontrolled Keywords: Perlindungan Hukum, Pinjaman Online, Fidusia Legal Protection, Online Loans, Fiduciary
Subjects: K Law > K Law (General)
Depositing User: Alicia Noviandari
Date Deposited: 04 Nov 2020 01:14
Last Modified: 04 Nov 2020 01:14
URI: http://eprints.uniska-bjm.ac.id/id/eprint/3041

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