PEER TO PEER LENDING DI INDONESIA DAN BEBERAPA PERMASALAHANNYA
DOI:
https://doi.org/10.25123/vej.v5i1.3057Abstrak
Peer to peer lending has developed into a new investment measure providing solution for middle and small business enterprises in Indonesia, i.e., to obtain loan without collateral. However, the business enterprise providing the platform for peer to peer lending (websites or other apps), connecting would be lenders and borrowers, almost always puts into the service agreement a disclaimer stating that it would not be held liable in case of default. Using a juridical dogmatic approach, the author discusses the existence of such disclaimers from the viewpoint of consumer protection. The main argument put forward here is that the business enterprise providing this service cannot and should not shy away from bearing responsibility in protecting the consumer, i.e. those that provide loans.
Referensi
Buku :
Abdulkadir Muhammad, Hukum Perikatan, Citra Aditya Bakti, Bandung, 1990.
A.Z Nasution, Konsumen dan Hukum, Pustaka Sinar Harapan, Jakarta, 1995.
David Oughton dan John Lowry, Textbook on Consumer Law, Blackstone Press Limited Edition, London, 1997.
Gunawan Widjaja dan Ahmad Yani, Hukum Tentang Perlindungan Konsumen, Gramedia Pustaka Utama, Jakarta, 2000.
Lauren, Consumer Protection and The Law, A Dictionary, Library of Congress Cataloging in Publication data, 1995.
Malcolm Leder and Peter Shears, Framework of Consumer Law, Pittman Publishing, Fourth Edition, 1995.
M.J. Leder, Consumer Law, MacDonald and Evans Publisher, 1980.
Shidarta, Hukum Perlindungan Konsumen Indonesia, Grasindo, Jakarta, 2000.
Wirjono Prodjodikoro, Azas–Azas Hukum Perjanjian, Mandar Maju, Bandung, 2000.
Jurnal:
Badar Murifal, Peran Teknologi Finansial Sistem P2L Sebagai Alternatif Sumber Pendanaan UMKM, Perspektif Vol XVI No.2 September 2018.
Ernama Santi, Budiharto, Hendro Saptono, Pengawasan Otoritas Jasa Keuangan Terhadap Financial Technology (Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016), Diponegoro Law Journal Volume 6, nomor 3, Tahun 2017.
Iswi Hariyani dan Cita Yustisia Serfiyani, Perlindungan Hukum dan Penyelesaian Sengketa Bisnis Jasa PM-Tekfin, Jurnal Legislasi Indonesia Vol. 14 No. 3 – September 2017.
Nuzul Rahmayani, Tinjauan Hukum Perlindungan Konsumen Terkait Pengawasan Perusahaan Berbasis Financial Technology di Indonesia, Pagaruyuang Law Journal Volume 2 No.1, Juli 2018.
Paul Slattery, Square Pegs in a Round Hole : SEC Regulation of Online Peer-to-Peer Lending and the CFPB Alternative, Yale Journal on Regulation, Volume 30 Issue 1 2013.
Ratna Hartanto dan Juliyani Purnama Ramli, Hubungan Hukum Para Pihak dalam Peer to Peer Lending, JH Ius Quia Iustum Volume 25 Issue 2, Mei 2018.
Artikel:
W. Sommermeijer, Artikel Tanggung Jawab Hukum (Aansprakelijheid)- Beberapa Hal Tentang itikad Baik dan Tanggung Jawab Hukum. Diterjemahkan oleh Tien Srie Kartini, Bandung: Pusat Studi Hukum-Fakultas Hukum Universitas Katolik Parahyangan, 1999.
Pustaka yang tidak dipublikasi:
Johannes Gunawan, Fungsi Lembaga Pertanggungjawaban Produk dalam Upaya Perlindungan Konsumen di Indonesia, Tesis, 2003.
Ugochi Christine Amajuoyi, Online Peer to Peer Lending Regulation: Justification, classification and remit in UK Law, thesis, University of Exeter.
Internet;
https://www.investopedia.com/terms/p/peer-to-peer-lending.asp.
https://investasi.kontan.co.id/news/imbal-hasil-p2p-lending-menandingi-hasil-reksadana.
https://www.investree.id/how-it-works https://koinworks.com/id/education-center/bagaimana-peer-lending-bekerja.
https://www.investree.id/id/how-it-works/interest-rate-fee.
https://thelawdictionary.org/responsibility/
https://modalku.co.id/terms-of-service https://koinworks.com/id/term_lender. https://www.investree.id/id/how-it-works/interest-rate-fee.
Peraturan Perundang-undangan:
Undang – Undang nomor 8 tahun 1999 tentang Perlindungan Konsumen.
Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi.
Surat Edaran Otoritas Jasa Keuangan Nomor 13/ SEOJK.07/2014 tentang Perjanjian Baku perjanjian baku.
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