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Consumer Protection in the Fintech Peer-to-Peer Lending Ecosystem in Indonesia Based on the Principles of Justice and Legal Certainty Mohd Ikrom Yuserma; Umar Hasan; Indriya Fathni
Journal of Citizen Research and Development Vol. 3 No. 1 (2026): Mei 2026
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jcrd.v3i1.8478

Abstract

This study aims to analyze the regulation of consumer protection within the fintech peer-to-peer lending ecosystem in Indonesia based on the principles of justice and legal certainty. The results of the analysis indicate that: First, the regulation of fintech peer-to-peer lending services in Indonesia is governed by Law Number 8 of 1999 concerning Consumer Protection and the Financial Services Authority Regulation Number 10/POJK.05/2022 on Technology-Based Collective Funding Services. These regulations provide a legal framework that guarantees consumer rights, including the right to security, comfort, and safety in transactions, as well as the obligation of providers to maintain data confidentiality, provide complaint mechanisms, and conduct business activities transparently and responsibly. However, the existing regulations are still general and partially implicit, which in practice poses challenges regarding the certainty of providers’ responsibility for consumer losses, particularly in terms of direct compensation. Second, consumer protection in the implementation of fintech peer-to-peer lending must be based on the principles of justice, balance, and legal certainty. These principles require equality of rights and obligations between providers and consumers, transparency of information, accountability, and effective dispute resolution mechanisms. Although supervisory mechanisms and administrative sanctions by the Financial Services Authority (OJK) have been established, legal certainty for consumers regarding compensation for losses still requires more explicit and specific regulations to avoid ambiguities. Clearer regulations would provide consumers with more effective legal protection, while encouraging providers to improve service quality and transaction security, thereby creating a fair, transparent, and trustworthy fintech ecosystem in Indonesia. Furthermore, existing regulations do not yet strengthen the obligation of providers to create written agreements electronically for all parties involved in transactions, leaving the rights and obligations of each party unclear and potentially resulting in the loss of provider accountability. Strengthening electronic written agreements aims to ensure comprehensive consumer protection and prevent potential disputes in the future.
Hukum dan Kebijakan Publik Analisis Keterbukaan Informasi Publik Terkait Kebijakan Publik Mohd Ikrom Yuserma; Fauzi Syam; Arrie Budhiarthie
QISTINA: Jurnal Multidisiplin Indonesia Vol. 4 No. 1 (2025): June 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/qistina.v4i1.6219

Abstract

Inovasi kebijakan publik diadopsi tidak hanya sebagai langkah untuk menghadapi perubahan lingkungan organisasi, melainkan juga untuk mereduksi label “negatif” yang disematkan kepada birokrasi. Salah satu tujuan dari inovasi kebijakan publik adalah peningkatan kualitas pelayanan publik. Pemerintah telah menerapkan program one agency one institution sejak tahun 2014 sebagai pemicu bagi setiap Lembaga Pemerintah Pusat maupun Pemerintah Daerah agar mampu memproduksi inovasi pada institusi masing-masing. Meskipun ribuan inovasi telah terdaftar dalam Sistem Inovasi Kebijakan Publik (Sinovik), tetapi masih ada kecenderungan bahwa jumlah tersebut belum efektif meningkatkan kualitas pelayanan publik. Tulisan ini bertujuan untuk mengetahui bagaimana efektifitas inovasi pelayanan publik terhadap kualitas pelayanan publik di Indonesia. Jenis penelitian ini adalah penelitian kualitatif. Pendekataan analisis-deskriptif digunakan untuk menginterpretasikan data sekunder yang diperoleh dengan teknik literature review. Studi ini menyimpulkan bahwa kuantitas inovasi belum efektif dalam meningkatkan kualitas pelayanan publik di Indonesia. Hambatan yang dihadapi diantaranya: iklim inovasi yang masih buruk, dan nilai-nilai inovasi yang tidak terinternalisasi secara efektif. Selain itu, belum ada kajian komprehensif tentang bagaimana perkembangan dan keberlanjutan inovasi pelayanan publik di Indonesia.