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All Journal Masalah-Masalah Hukum LAW REFORM Diponegoro Law Journal Jurnal Dinamika Hukum Jurnal Selat Diponegoro Private Law Review Gema Keadilan Administrative Law & Governance Journal Law, Development and Justice Review JURNAL PEMBANGUNAN HUKUM INDONESIA Jurnal Rechts Vinding : Media Pembinaan Hukum Nasional
Rinitami Njatrijani
Fakultas Hukum, Universitas Diponegoro
Energy Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Journal : LAW REFORM

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THE LEGAL PROTECTION OF LENDERS IN PEER TO PEER LENDING SYSTEM Budiharto Budiharto; Sartika Nanda Lestari; Gusto Hartanto
LAW REFORM Vol 15, No 2 (2019)
Publisher : PROGRAM STUDI MAGISTER ILMU HUKUM FAKULTAS HUKUM UNIVERSITAS DIPONEGORO SEMARANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (116.483 KB) | DOI: 10.14710/lr.v15i2.26186

Abstract

Financial technology based on Peer to Peer Lending is one of the new breakthroughs in financial services institutions in Indonesia. The peer to peer lending platforms are essentially online markets that match the supply and demand of funds as one of the alternative financing mechanisms for individual or business. But there is still few of regulation regarding peer to peer lending. We address two questions by theoretical legal research by examining secondary data through literature studies. First, the mechanism of credit agreements with a peer to peer lending; second, analyze lender’s legal protection in credit agreements in peer to peer lending. Based on the the research, we found that the mechanism of lending through a peer to peer lending credit agreement is in line with Financial Services Authority (Otoritas Jasa Keuangan - OJK) Regulation No. 77/POJK.01/2016 concerning Information Technology-Based Lending and Borrowing Services. Futhermore, the protection of legal lenders peer to peer lending from the aspect of law public has been sufficient but in private law, OJK has not been able to provide maximum protection.
Co-Authors Achdiat, Evando Marsa Adinda Putriani Aisyah Ayu Musyafah Aldhika Benjamin Madjan Alpheratz Uzhma Fatria Alya Nuzulul Qurniasari Aminah Aminah Aminah Aminah Anisah Novitarani Arfian Setiantoro Arifin Pringgo Laksono Arinta Rachmawati Astrid Puspita Ramadhani Bagus Rahmanda Bagus Rahmanda Bambang Eko Turisno Budi Santoso Budiharto Budiharto Budiharto Budiharto Budiharto Budiharto Candrika Nanda Sasmita Dewantoro, Fara Deinara Dwi, Novi Edelia, Anastasya Riris Elisyamedita, Milla Erlangga Nugraha Etty Susilowati Fakhri Aditya Putra Fayreizha Destika Putri Gika Asdina Firanda Gilang Adi Yuliarso Giovanni Bagas Hizkia Gusto Hartanto Gusto Hartanto Hendro Saptono Hendro Saptono Hendro Saptono, Hendro Hendy Kurnia Miesadhi Hernanda, Febrian Herni Widanarti Jaka Sena Prakarsa Kashadi, Kashadi Kuntoro, Brama Lutfiyani, Fildzah Mahendra, Irwansyah Dhiaulhaq Margaret, Saulita Marjo Marjo, Marjo Mirza Rahmaniar Muhammad Mizan Aufa Nagari, Galang Nikhafila Aprilia Novitarani, Anisah Paramita Prananingtyas Pramesti, Mutiara Pratama, Luci Andika Primastito, Cantika Assyifani Primayoga, Andhika Mediantara Putri, Fayreizha Destika Rahmadia Maudy Putri Karina Rahmanda, Bagus Reyhan Dewangga Saputra Sakhiyatu Sova Sartika Nanda Lestari, Sartika Nanda Sembiring, Ester Purinta Sembiring, Mikhail Alvindra Setia Aji Pamungkas Setiantoro, Arfian Setyowati, Ro’fah Shavira Andriasari Siti Mahmudah Suradi Suradi Sutrisno, Putri Ayu Tanjung, Damar Ramadhanna Thalib, Nur Aisyah Tharra Fariha Tiana Yulia Insani Trisna Alysianingrum Wibowo, Benedictus Satryo Yosefa, Nesya Giveri Zulfah, Shofiy