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All Journal Al-Ahkam Pena Justisia: Media Komunikasi dan Kajian Hukum Selisik : Jurnal Hukum dan Bisnis KRTHA BHAYANGKARA Jurnal Hukum Sasana Jurnal Kajian Ilmiah Abdi Bhara: Jurnal Pengabdian Kepada Masyarakat Jurnal Keamanan Nasional
Masri, Esther
Fakultas Hukum, Universitas Bhayangkara Jakarta Raya
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Pena Justisia: Media Komunikasi dan Kajian Hukum

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Reformulation of Fintech Peer to Peer Landing Regulations: Critical Review of Predatory Pricing in the Implementation of Interest Rates Handayani, Otih; Muryanto, Yudho Taruno; Masri, Esther
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 23 No. 2 (2024): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v23i2.4969

Abstract

Fintech Peer to Peer Lending (P2P Lending) have interest rates that tend to be higher and installment terms that are more concise than conventional loans. The Business Competition Supervisory Commission (KPPU) suspects that there is a cartel of agreements to determine interest rates by the Indonesian Joint Funding Fintech Association (AFPI) until finallyFinancial Services Authority (OJK) issued Financial Services Authority Circular (SEOJK) No. 19/SEOJK.06/2023 number VI which governregarding the maximum interest rate limit. This research aims to analyze the settingP2P Lending justice-based with a critical review of predatory pricing in the application of interest ratesP2P Lending. This research is doctrinal/normative legal research with a statutory approach. Literature study, analyzed qualitatively. The research results describe that SEOJK No. 19/SEOJK.06/2023 is actually a monopolistic practice by the government which unilaterally protects the Loan Recipient, this is contrary to economic democracy which requires equal opportunities for Lenders and Platforms to participate in encouraging economic growth and the functioning of a fair market economy due to the potential for predatory pricing which can cause Platforms to be unable to develop and even tend to experience business failure.
Co-Authors Ahmad Saifulloh, Putra Perdana Barus, Sonia Ivana Carolina Tumanggor, Imelda Anastasya elisabet Fadhillah, Helmy Rafi Falah, Syauqi Muhammad Shobibul Friko Rumadanu Hadrian, Endang Handayani, Otih Hirwansyah Hirwansyah Hussein Gemeli, Gusti Ilham Sahputra, Gantar Agal Inri, Vanessa Karen, Theresia Kartika Gusmawati Kirana , Andi Chandra Masriani . Nopriando , Welian Okta Permana, Daffa Otih Handayani Otih Handayani Rabiah Al Adawiah Sartika, Rahfa Dwi SAUNI, HERAWAN Sigit Irianto Sri Wahyuni Sri Wahyuni Sri Wahyuni SRI WAHYUNI, SRI WAHYUNI Sufiarina Tahanunika, Sultan Wahyuni , Sri Yudho Taruno Muryanto Yunita , Nanda