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Ratna Hartanto
Fakultas Hukum Universitas Islam Indonesia
Law, Crime, Criminology & Criminal Justice

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Hubungan Hukum Para Pihak dalam Peer to Peer Lending Ratna Hartanto; Juliyani Purnama Ramli
Jurnal Hukum IUS QUIA IUSTUM Vol. 25 No. 2: MEI 2018
Publisher : Fakultas Hukum Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iustum.vol25.iss2.art6

Abstract

The development of digital world has provided various services that are beneficial for the community, one of which is the presence of information technology-based lending and borrowing services or known as peer to peer lending. However, the current applicable regulations have not clearly explained the construction of the legal relations among the parties involved in peer to peer lending platform. Regarding the fact that some peer to peer lending services are similar to those of banks, the Financial Services Authority (OJK) is required to affirm the construction of the legal relations among parties so as to create legal certainty. Based on this explanation, there is a question: how is the Legal Relation among the Parties involved in Peer To Peer Lending in terms of the Legal Certainty for these Parties. This study used a normative method. The results showed that peer to peer lending services providers are not banks that collect funds from the community and distribute them to the community. Therefore, the legal relation among the parties involved in peer to peer lending shall be differentiated from the legal relations among the parties involved in banking sector, especially in the business activities of distributing funds through credit or financing agreements. The legal certainty in peer to peer lending shall be fulfilled so that peer to peer lending business activities are not categorized as an illegal bank and so that this business is able to provide legal standing for all the parties.
Hubungan Hukum Para Pihak Dalam Layanan Urun Dana Melalui Penawaran Saham Berbasis Teknologi Informasi Ratna Hartanto
Jurnal Hukum IUS QUIA IUSTUM Vol. 27 No. 1: JANUARI 2020
Publisher : Fakultas Hukum Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iustum.vol27.iss1.art8

Abstract

The development of information technology has provided many facilities for business entities to obtain funding. One way to obtain funding without going through an initial public offering process is through equity crowdfunding. Equity crowdfunding is a platform system developed and managed by a host company. The platform can be used by publishing companies to offer securities in the form of shares to buyers or investors. Equity crowdfunding investors need legal certainty and legal protection for their investments. On the other hand, equity issuers and platform operators also need to get legal certainty from the Financial Services Authority. The Financial Services Authority has issued Financial Services Authority Regulation (POJK) Number 37/POJK.04/2018 regarding Funding Services through Information Technology Based Shares (Equity Crowdfunding). The problem examined in this paper is how the construction of legal relations and legal protection for the parties in equity crowdfunding in Indonesia. This study uses a normative method by reviewing the laws and regulations related to the legal issues studied. The results of the study concluded that the parties in holding equity crowdfunding, namely share issuers, organizers, and investors, all three has a triangular relationship that is born based on agreements or laws and regulations. Even though the OJK has issued regulations relating to equity crowdfunding, the current regulations do not guarantee full legal protection especially for investors.
Co-Authors Juliyani Purnama Ramli