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Reka Dewantara
Faculty Of Law Universitas Brawijaya
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Journal : Yustisia

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Cartel Indications on Determination of Loan Interest Rate in Fintech Lending Sukarmi Sukarmi; Ranitya Ganindha; Reka Dewantara
Yustisia Vol 11, No 3: December 2022
Publisher : Faculty of Law, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/yustisia.v11i3.56339

Abstract

The application of information technology platforms that appear in business transactions in Indonesia is a pattern of business models that cannot be avoided. One of the rapidly growing technology companies is an online loan service.The ease of borrowing funds through these services supports business growth. In contrast to the banking sector, which is regulated by a series of strict government regulations and the determination of interest rates that have been determined by looking at economic conditions. The absence of regulation in the legislation makes AFPI set the limit for determining the maximum interest rate, but the determination of interest rates by AFPI is suspected to lead to cartel actions. There is a close relationship between fair business competition and consumer protection. This research is a normative juridical research with a statutory approach and a comparative approach. In this case, the setting of interest rate limits will reduce consumers’ rights to get competitive prices. The existence of conscious parallelism by the AFPI on the LPMUBTI services can be categorized as a price fixing agreement. It is because the determination of the maximum interest rate limit is not regulated through direct government regulations.
Co-Authors Abdul Rachmad Budiono Agatha, Bimarceline Airin Liemanto Amimakmur, Satria Amiputra Anestu Cahayoni Rahayu, Anestu Cahayoni Annisa, Yusifa Nur Ayu, Tirsa Berliana, Dina Budi Santoso Devi Atikawati Diah Aju Isnuwardhani Dien Nufitasari Dien Nufitasari Djajadikerta, Hadrian Geri Dyah Aju Wisnuwardhani Erma Defiana Putriyanti Fadli, Moh. Fahrul Ramadan Faizin Sulistio Fines Fatimah Hanif Nur Widhiyanti Hutahayan, Benny I Gusti Ngurah Parikesit, I Gusti Ngurah Ikaningtyas Ikaningtyas Jauharoh, Arini Junaidi, Muchammad Aqib M. Sudirman Mahandhani Wahyu Ibrahim Mardiana, Yusni Fitri Meidiana Indah Lestari Mohamad Fajri Mekka Putra Muhammad Alfan Thoriq Muhammad Fajaruddin Shiroth Mukhamad Khabib Risvian Mutiarawati, Intan Nadya Rizki Emeralda Naif, Hendry Tholabah Ilman Nanin Koeswidi Astuti, Nanin Koeswidi Nugroho, Hayyu Rahmanda Adi Nur Chanifah Nurfitriyani Nurfitriyani Nurul Ula Ulya Nurul Ula Ulya Pandansari, Rekyan Putri, Cyndiarnis Cahyaning Rachmat, Sigit Nur Ranitya Ganindha raodiah Rekyan Pandansari Rika Kurniaty Rumi Suwardiyati Santoso, Ike Cyntia Putri Septianes Nora Kartika Setiawan Wicaksono, Setiawan Shinta Hadiyantina Sihabuddin Sihabudin Sihabudin Sihabudin Sihabudin Sihabudin Sihabudin, Sihabudin Siti Hamidah Sitorus, Hany Ayunda Mernisi Sukarmi Sukarmi Sukarmi Sukarmi Sukarmi Sukarmi, Sukarmi Sukarmi, Sukarmi Syafi’i, R. Imam Rahmat Tanti Rachmawati Tobing, Dwinoven Lumban Tumanggor, Manumpan S. Widhiawati, Dyah Wisnuwardhani, Diah Aju Yenny Eta Widyanti Yuniar, Lisa Mega Zora Febriena Dwithia Hidayat Putri