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Journal : pandecta

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.
Efektifitas Pengaturan dan Pengawasan Bisnis Financial Technology (Peer to Peer Lending) di Indonesia Kornelius Benuf; Ery Agus Priyono; Siti Mahmudah; Siti Malikhatun Badriyah; Bagus Rahmanda; Amiek Soemarmi
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.
Co-Authors Adam, Riyan Agus Priyono, Ery Amalia, Annisa Dinda Amiek Soemarmi Anggre, Uci Kartika Avicenna, Muhammad Fakhri Bagus Rahmanda Bambang Eko Turisno Benuf, Kornelius Budiharto Budiharto Citra, Amelia Dewi Hendrawati El Rakhim, Nourma Alivia Zahra Ery Agus Priyono Fadhillah, Azzah Fifiana Wisnaeni Fitrianingrum, Avisa Hastuti, Intan Nindi Hendro Saptono Hutagalung, Tya Pancawati Irawati Irawati Irma Cahyaningtyas, Irma Issan Subbal Maknun Jannah, Masitoh Miftahul Kashadi Kashadi Kasyfi, Muhammad Alan Kornelius Benuf Kornelius Benuf Kornelius Benuf Kurniawan, Deni Hendri Latifa, Ratih Lumbanraja, Brata Yoga Makhrom, Wawo Fadholna Marjo Marjo Marjo Marjo Marjo, Marjo Mega, Chrystianto Odolf Muhammad Haidar Fakhri Allam Muktamara, Savira Alia Nisa Almadina Nizzar, Ananda Farhan Nurjannah, Ghina Hanun Nuryati Nuryati Panggabean, Herman Daud Parlinggoman, Bryan Eliezer Prananda, Rahandy Rizki Purbaningrum, Anggi Indah Purnamachandra, Augusta Bayu Putro, Edoardo Biyakto Qatrunnada, Alicia R Suharto R. Suharto R. Suharto Rachman, Rizal Okta Rahmanda, Bagus Reiza Ibrahim Saleh Retno Saraswati Reyfaza, Daffi Riska, Annisa Sabrina Chaerani Salsabila, Nabila Salsabila, Winalda Aulia Sampurna, Putri Sari Ageng Jaya Saputra, Muhammad Arsyi Alfin Fachrurroji Saragih, Elvandi Christian Savarina, Anitya Arwa Sayarina, Anitya Arwa Septapuri Nugrandini, Aemilia Biccheri Septesha, Widya Ade Siagian, Marolop Samuel SITI MAHMUDAH Siti Mahmudah Suharto, R Suharto, R. Syakira, Syalaisha Fathinah Umami, Fadli Victoria Damanik, Jessica Bintang Wijayanti, Nurul Wahyu Yulheldi, Sari Aprilia Yumna, Lonita Aini Zahradinda, Agnia