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All Journal JURNAL USM LAW REVIEW Priviet Social Sciences Journal
Nurrachman, Alfan Dzikria
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Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Legal Protection Against Lender in Fintech Peer-to-Peer Lending Sharia Yuspin, Wardah; Nurrachman, Alfan Dzikria; Fauzie, Ata; Hakim, Lukman
JURNAL USM LAW REVIEW Vol. 7 No. 2 (2024): AUGUST
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/julr.v7i2.9064

Abstract

The purpose of this study is to determine the legal protection of lenders in Sharia P2PL, which is trying to offer an improved concept of legal protection at POJK No.10/ OJK.05 / 2022. The novelty of this research is the aspect of legal protection from the lender's perspective. This research method uses empirical juridical research through primary data interviews with lenders and observation of providers, including Dana Syariah, Alami Syariah, Ammana, Duha Syariah, Qazwa, Ethics, Investree Syariah, and Papitupi Syariah. The results of this study indicate that financing by lenders in Sharia peer-to-peer lending, the organizers have implemented article 100 of POJK Number 10/POJK.05/2022, including the principles of transparency, fair treatment, as well as confidentiality and security of consumer data. Several factors, such as facilities, community, and culture, support this. This indicates efforts to improve legal protection from lender perspective. However, other consumer protection principles, including the principles of reliability and complaint handling and simple, fast, affordable consumer dispute resolution, still need to be improved. Eventually, there are suggested concept that can increase legal protection for lenders in terms of the obligation to use insurance and also the use of fiduciary guarantees to further increase legal protection for lenders. 
Initiating financial technology regulation based on Islamic legal principles Nurrachman, Alfan Dzikria
Priviet Social Sciences Journal Vol. 5 No. 11 (2025): November 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v5i11.841

Abstract

This article aims to determine the regulations regarding Sharia financial technology, as regulated in the Regulation of the Financial Services Authority of the Republic of Indonesia Number 40/2024 concerning Information Technology-Based Joint Funding Services (LPBBTI). This study uses an empirical juridical approach with primary data in the form of interviews with funders and Sharia fintech operators. The results of this study indicate that the regulation of Sharia fintech based on POJK Number 40/2024 concerning LPBBTI presents characteristics in the form of ecosystem-based financing, with the spirit built being the distribution of funds to support productive activities. The organizers themselves also provide insurance protection in the distribution of financing and cooperate with certain companies to provide periodic guidance on every productive activity.
Co-Authors Fauzie, Ata Lukman Hakim Wardah Yuspin