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Journal : JURNAL USM LAW REVIEW

Legal Protection Against Lender in Fintech Peer-to-Peer Lending Sharia Yuspin, Wardah; Nurrachman, Alfan Dzikria; Fauzie, Ata; Hakim, Lukman
JURNAL USM LAW REVIEW Vol. 7 No. 2 (2024): AUGUST
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v7i2.9064

Abstract

The purpose of this study is to determine the legal protection of lenders in Sharia P2PL, which is trying to offer an improved concept of legal protection at POJK No.10/ OJK.05 / 2022. The novelty of this research is the aspect of legal protection from the lender's perspective. This research method uses empirical juridical research through primary data interviews with lenders and observation of providers, including Dana Syariah, Alami Syariah, Ammana, Duha Syariah, Qazwa, Ethics, Investree Syariah, and Papitupi Syariah. The results of this study indicate that financing by lenders in Sharia peer-to-peer lending, the organizers have implemented article 100 of POJK Number 10/POJK.05/2022, including the principles of transparency, fair treatment, as well as confidentiality and security of consumer data. Several factors, such as facilities, community, and culture, support this. This indicates efforts to improve legal protection from lender perspective. However, other consumer protection principles, including the principles of reliability and complaint handling and simple, fast, affordable consumer dispute resolution, still need to be improved. Eventually, there are suggested concept that can increase legal protection for lenders in terms of the obligation to use insurance and also the use of fiduciary guarantees to further increase legal protection for lenders. 
Co-Authors Abdullah Tri Wahyudi Absori Absori Achmad Miftah Farid Adi Nugroho Adityo Wiwit Kurniawan Ahmad Ghufron Ahzar, Rizki Maulana Aidul Fitiada Azhari Aidul Fitriciada Azhari Amanda Putri Ariyani Amandha Bayu Wiedyasari Ameilia Annisa Salsabila Andria Luhur Prakoso Andriadin, Andriadin Andriati, Fatmi Anindhita Nurfaatin Sukirman Anisa, Nurul Arief Budiono Ata Fauzie Aya Mohammed Youssef Abd Allah Azhar Alam Bahari, Roni Baskoro Tri Pamungkas Basuki, Muhammad Nur Aji Berlian Ramadhany Ayuningtyas Binar Sapto Nugroho Chandra, Rizky Aditya Danang Kurniawan Danang Sugihardana Diana Setiawati Diyah Murti Hastuti ellectrananda anugerah ash-shidiqqi Eny Purwandari Esmara Sugeng Etyn Ariyani Susilowati Fadhilah, Astutik Fafta Aini Putriana Fahmi Fairuzzaman Fatimah Salma Azzahra Fauzie, Ata Femy Wahyu Fitriani Gandung Triyanto Genta Arya Mohammad Ghufron, Ahmad Gulyamov, Said Gulyamov, Said Saidakhrarovich Harun Hatinuraya, Yurisvia Previlega Indah Maulani Iramadya Dyah Marjanah Irawansah, Didik Isman, Isman Jati, Ridho Bawana Jihad, Muhamad Ramdhani Jompon Pitaksantayothin Jompon Pitaksantayothin Kelik Wardiono Kuswardhani Kuswardhani Lukman Hakim M Junaidi, M Marisa Kurnianingsih Marjanah, Iramadya Dyah Moh. Indra Bangsawan Mohammad, Genta Arya Muchamad Iksan Mudofi, Luthfi Nurul Hidayah Muhammad Edi Hermawan Muhammad Nur Aji Basuki Muhammad Nur Aji Basuki Mutimatun Ni’ami Nasrullah Natangsa Surbakti Noviasari, Ryska Nur Hasanah Nur ilmi putri febriyanti Nurlina Afifah Litti Nurrachman, Alfan Dzikria Patra, Yusril Aulia Peggy Dian Septi Nur Anggraini Pramesti, Nadila Putri Puspitasari, Aprilia Dyah Rahardjo, Trisno Rajput, Trisha Ridwan Rika Yunita Hardiyati Rizka Rizka Rizka Rizka Rizka Rizka, Rizka Said Saidakhrarovich Gulyamov Sakia Agia Salsabella Salsabila Athiyyatulmajid Septarina Budiwati Setiyawan, Wahyudi SH, Harun Shofiana Eka Aulia Siti Soekiswati Soekarno, Rohmat Syaifuddin Zuhdi SYAMSUL HIDAYAT Tampawestri, Miranti Kusretno Ulfa, Nadiya Wiliani, Amalia Yudanto Yudanto Yulian Dwi N Yurisvia Previlega Hatinuraya Zuvarcan, Diaz Alifarizki