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Dialectics of Sharia Fintech Peer to Peer Lending: Opportunities and Challenges Wardah Yuspin; Muhammad Edi Hermawan
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 5, No 1 (2022): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i1.4214

Abstract

The purpose of this study is to find out some of the dialectical or problematic regulations of sharia-based peer to peer lending financial technology in Indonesia. The discussion in particular, this study explores the problems that arise related to the regulations used in Islamic peer to peer lending fintech which are regulated using the Financial Services Authority Regulation (POJK) Number 77 of 2016 concerning Information Technology-Based Lending and Borrowing Services. In addition, this study will also discuss the urgency behind the importance of establishing sharia-based fintech peer to peer lending regulations as well as ideas about content material that should be included in the formation of special regulations regarding sharia peer to peer lending fintech. This research is a library research through a statute approach. This research uses data collection method in the form of literature study. Through literature study, researchers collect documents and data to be processed using content analysis method. The results of this study indicate that in the regulation of sharia peer to peer lending fintech there are several problems related to the regulations used, the first is that POJK Number 77 of 2016 which is used to regulate sharia peer to peer lending fintech has more connotations of conventional peer to peer lending fintech , so that there is confusion in terms of separating the rules of conventional peer to peer lending from sharia peer to peer lending, Second, the emergence of legal uncertainty because currently sharia peer to peer lending fintech must comply with POJK rules Number 77 of 2016 and the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN MUI Fatwa) Number 117 of 2018. Even though the fatwa should not be a statutory regulation that used to regulate because fatwas are not included in the hierarchy of laws and regulations according to Law Number 12 of 2011 concerning the Establishment of Legislations. Third, there is no regulation regarding the Sharia Supervisory Board in charge of supervising sharia compliance and is closely related to consumer protection, and fourth, POJK Number 11 of 2016 has not regulated in detail the dispute resolution mechanism
Co-Authors Absori Absori Adi Nugroho 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 Ash-shidiqqi, Ellectrananda Anugerah Ata Fauzie Athiyyatulmajid, Salsabila Aya Mohammed Youssef Abd Allah Azhar Alam Azhari, Aidul Fitiada 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 Farid, Achmad Miftah 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 Jompon Pitaksantayothin Jompon Pitaksantayothin Kelik Wardiono Kurniawan, Adityo Wiwit 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 ilmi putri febriyanti Nurlina Afifah Litti Nurrachman, Alfan Dzikria Peggy Dian Septi Nur Anggraini Pramesti, Nadila Putri Rahardjo, Trisno Rajput, Trisha Ridwan Rika Yunita Hardiyati Rizka Rizka Rizka Rizka Rizka Rizka Rizka, Rizka Said Saidakhrarovich Gulyamov Sakia Agia Salsabella Septarina Budiwati Septarina Budiwati Setiyawan, Wahyudi SH, Harun Shofiana Eka Aulia Siti Soekiswati Syaifuddin Zuhdi Syaifuddin Zuhdi Syaifuddin Zuhdi Syaifuddin Zuhdi SYAMSUL HIDAYAT Tampawestri, Miranti Kusretno Ulfa, Nadiya Wiliani, Amalia Yudanto Yudanto Yulian Dwi N Yurisvia Previlega Hatinuraya Zuhdi, Syaifuddin Zuvarcan, Diaz Alifarizki