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Efektifitas Pengaturan dan Pengawasan Bisnis Financial Technology (Peer to Peer Lending) di Indonesia Benuf, Kornelius; Agus Priyono, Ery; Mahmudah, Siti; Badriyah, Siti Malikhatun; Rahmanda, Bagus; Soemarmi, Amiek
Pandecta Research Law Journal Vol 15, No 2 (2020): December
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/pandecta.v15i2.21777

Abstract

In the industrial era 4.0 as it is now, the ease and speed of getting something are highly sought after, including the ease and speed of obtaining financial services. Financial Technology (Fintech) is a digital commercial service that offers and provides convenience and speed of financial services. The emergence of Fintech certainly makes it easy for people to get financial assistance. But as a state of law, Indonesia must regulate Fintech's business practices. Including the implementation of Fintech's business, it must be controlled and monitored by existing laws in Indonesia, not just stopping the formation of the rules, but also must be ensured that the rules apply effectively. This study aims to describe the basis for Fintech's business arrangements in Indonesia and will explain the effectiveness of the regulation in society. The writing method used is normative juridical, with a statutory approach, using secondary data by analyzing primary, secondary, and tertiary legal materials. Based on the research results, it is known that in Indonesia, Fintech's business is regulated by three institutions, namely the Ministry of Communication and Information, Bank Indonesia, and the Financial Services Authority. Regarding the effectiveness of the rules regarding the implementation of Fintech in Indonesia has not been going well because there are still shortages both in terms of legal structure, a legal substance, and legal culture.
Gugatan atas Wanprestasi yang Dilakukan dalam Pembiayaan Kendaraan Bermotor (Studi Kasus Putusan Mahkamah Agung Nomor 44 K/Pdt/2020) Aurellia Dewanty, Tabitha; Agus Priyono, Ery
Jurnal Ilmu Multidisiplin Vol. 4 No. 1 (2025): Jurnal Ilmu Multidisplin (April–Mei 2025)
Publisher : Green Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jim.v4i1.841

Abstract

Seiring dengan berkembangnya zaman, kebutuhan kendaraan meningkat sehingga masyarakat membeli kendaraan bermotor secara kredit melalui perusahaan pembiayaan dengan menandatangani perjanjian kredit yang sah dan mengikat. Namun, tidak sedikit debitur yang lalai (wanprestasi) dalam melaksanakan perjanjian tersebut. Penelitian ini menggunakan penelitian hukum normatif dengan metode penelitian yuridis normatif. Data diperoleh melalui studi pustaka perundang-undangan dan dianalisis secara deskriptif kualitatif. Hasil penelitian menunjukkan bahwa bahwa Pengadilan Negeri Purwokerto dalam putusannya menyatakan bahwa penggugat telah melakukan wanprestasi. Namun, Pengadilan Tinggi menyatakan bahwa tergugat melakukan perbuatan melawan hukum. Pada tingkat kasasi, Mahkamah Agung menguatkan putusan Pengadilan Negeri Purwokerto dengan menyatakan bahwa gugatan penggugat tidak dapat diterima berdasarkan alat bukti yang ada, serta menolak gugatan penggugat karena terbukti melakukan wanprestasi.