Implementasi Besaran Bunga Peer to Peer Lending Berdasarkan Asas Itikad Baik dalam Pemanfaatan Teknologi Informasi Serta Pengawasannya

Anita Khoirunisa, Agus Suwandono, Helitha Novianty Muchtar

Abstract

Peer to Peer Lending (“P2P Lending”) is one of financial technology products as financing alternative for public. The execution of P2P Lending is under supervision of OJK which regulated in POJK Number 77/POJK.01/2016. OJK appointed AFPI as OJK’s strategic partner who is authorized to make regulations on the execution of P2P Lending for Providers which accommodated in Code of Conduct formed by AFPI. In brief, this Code of Conduct contains rules that have not been accommodated in POJK Number 77/POJK.01/2016, which interest rates regulation is a part of the Code of Conduct. Interest rates in P2P Lending only accommodated in Code of Conduct, but it has not been well obeyed by the Providers because there are still infringement in determining the interest rates which exceed the predetermined standard with the unclear interest rate information notice. Therefore, this article aims to analyse the application of P2P Lending interest rates which only regulated in Code of Conduct. Furthermore, researcher will also analyse the utilization of information technology in P2P Lending to find out whether the implementation of P2P is in accordance with the good faith principle of the use of information technology in Law Number 11 of 2008 concerning Information and Electronic Transactions. The results of this legal research indicate that OJK are expected to set loan interest rates in P2P Lending individually so that it can provide legal certainty for each party in P2P Lending which impacts on the implementation of P2P Lending.

Keywords

Financial Technology; Information Technology; Interest Rates

Article Metrics

Abstract view : 84 times
PDF (Bahasa Indonesia) view : 33 times

References

DAFTAR PUSTAKA

Peraturan Perundang-Undangan

Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan.

Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik.

Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi.

Surat Edaran Otoritas Jasa Keuangan Nomor 18/SEOJK.02/2017 tentang Tata Kelola dan Manajemen Risiko Teknologi Informasi Pada Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi.

Buku

Adiningsih, Sri. (2019). Transformasi Ekonomi Berbasis Digital di Indonesia: Lahirnya Tren Baru Teknologi, Bisnis, Ekonomi, dan Kebijakan di Indonesia. Jakarta: PT Gramedia Pustaka Utama.

Arifin, Thomas. (2018). Berani jadi Pengusaha: Sukses Usaha dan Raih Pinjaman. Jakarta: PT Gramedia Pustaka Utama.

Ibrahim, Johnny. (2006). Teori dan Metodologi Penulisan hukum Normatif. Malang: Bayumedia Publishing.

Kasmir. (2014). Bank dan Lembaga Keuangan Lainnya. Jakarta: PT Raja Grafindo.

Rumondang, Astri, dkk. (2019). Fintech: Inovasi Sistem Keuangan di Era Digital. Medan: Yayasan Kita Menulis.

Syamil, Ahmad, Pantri Heriyati, dan Marko Hermawan. (2020). Perspektif Industri Financial Technology di Indonesia. Jawa Timur: Qiara Media.

Artikel Jurnal Lewat Website

Huang, Jianqing dan Xiao Liu. (2018). The Analysis of Interest Rate Pricing and Impact on P2P Platform in the Scalper Arbitrage Environment. Open Journal of Social Sciences, 6, 166-179. Retrieved from https://pdfs.semanticscholar.org/3b85/f91cd587cec3b428be78f9264c58dbb47890.pdf

Matugorn, Limpanadusadee dan Li Zhihong. (2017). The Impact of Personal Characteristics on Lender’s Trust in Online P2P Lending. Journal of Business and Management, 19(11), 48-54. Retrieved from http://www.iosrjournals.org/iosr-jbm/papers/Vol19-issue11/Version-7/H1911074854.pdf

Mills, Edwin S. (1998). The Functioning and Regulation of Escrow Accounts. Housing Policy Debate. 5(2), 203-218. Retrieved from https://www.innovations.harvard.edu/sites/default/files/hpd_0502_mills.pdf

Pratiwi, Dwi Restu. (2018). Pentingnya Perkembangan Financial Technology dalam Mendorong Keuangan Inklusif. Buletin APBN. 3(15), 3-8. Retrieved from https: //berkas.dpr.go.id/puskajianggaran/buletin-apbn/public-file/buletin-apbn-public-64.pdf

Ruiqiong, GAO dan FENG Junwen. (2014). An Overview Study on P2p Lending. International Business and Management. 8(2), 14-18. Retrieved from https://pdfs.semanticscholar.org/abcf/28ac799f85d724b22e6df61f12c5046228e1.pdf

Website

Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI). (2019). AFPI Bekali Calon Penyelenggara Fintech Lending Indonesia. Diambil Februari 24, 2020, dari https://www.afpi.or.id/detail pressrelease/afpi-bekali-calon-penyelenggara-fintech-lending-indonesia

Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI). (2019). Pedoman Perilaku Pemberian Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi secara Bertanggung Jawab. Diambil Februari 24, 2020, dari https://www.afpi.or.id/detailsnews/pedoman-perilaku

IDN Financials. (2019). AFPI Tentukan Bunga Pinjaman Multiguna di Fintech Maksimal 0,8% per Hari. Diambil Februari 24, 2020, dari https://www.idnfinancials.com/id/news/28347/afpi-fintech-lending-larger-day

Otoritas Jasa Keuangan. (2019). Statistik Fintech Lending Periode Januari 2020. Diambil Februari 24, 2020, dari https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Pages/Statistik-Fintech-Lending-Periode-Januari-2020.aspx

Sony Maulana Sikumbang, Fitriani Ahlan Sjarif, dan M. Yahdi Salampessy. (2015). Modul 1. Pengantar Ilmu Pengetahuan Perundang-undangan. Diambil Februari 25, 2020, dari http://repository.ut.ac.id/4111/1/HKUM4403-M1.pdf

Refbacks

  • There are currently no refbacks.