Vol. 1 No. 2 (2024): Volume 1 Number 2 June 2024
Articles

Analisis Pengawasan Penyelenggaraan Financial Technologi Oleh Otoritas Jasa Keuangan Pasca Putusan MA Nomor 1206/K/PDT/2024

PDF
  • belgis shafira,
  • Farrah Miftah,
  • Dewi Rahayu
belgis shafira
Jimly School Surabaya
Farrah Miftah
Legal Cakra.Id
Dewi Rahayu
Legal Cakra.Id

Published 2025-05-07

Keywords

  • Otoritas Jasa Keuangan,
  • Perlindungan Konsumen,
  • Fintech Peer to Peer lending,
  • Putusan Kasasi Mahkamah Agung Nomor 1206/K/PDT/2024

Copyright (c) 2025 Jimly School of Law and Government

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

How to Cite

Analisis Pengawasan Penyelenggaraan Financial Technologi Oleh Otoritas Jasa Keuangan Pasca Putusan MA Nomor 1206/K/PDT/2024. (2025). JIMLY LEGAL YUSTISIA JOURNAL, 1(2), 1-13. https://jslgjournal.com/jly/article/view/6

Abstract

Digital financial innovation provides easy access to the financial industry. Convenience can be felt in the process of transferring funds, non-cash payments, to funding services through applications or websites. This is called the P2P lending service which is under the supervision of the OJK. However, this supervision has not been implemented optimally, as evidenced by the large number of illegal P2P lending service providers in Indonesia, misuse of personal data by P2P lending providers, collection processes that are not in accordance with regulations, and complaint processes that do not receive feedback. This concern was expressed in a citizen lawsuit and was agreed to by the Supreme Court in the Cassation Decision Number 1206/K/PDT/2024. Therefore, it is necessary to study further in depth and comprehensively regarding the urgency of supervising the implementation of P2P lending in Indonesia and how to protect P2P lending consumers after the Supreme Court Decision Number 1206/K/PDT/2024. By using a normative legal research method through a legislative approach and a conceptual approach, it is hoped that it can provide answers to the formulation of the problem that is the focus of the research issue. The results of the analysis are OJK as mandated by Article 5 of the OJK Law states that the implementation of fintech is the authority of OJK in carrying out supervision. Supervision by OJK is needed in order to guarantee the rights and obligations of the parties and to be able to minimize the number of illegal P2P lending organizers in Indonesia. There is still overlapping legal protection for consumers as users of P2P lending service providers. So it is appropriate if OJK then issues the LPBBTI 2023-2028 roadmap as an effort to be able to enforce the legal protection process as in the Supreme Court Cassation Decision Number 1206 / K / PDT / 2024.

PDF

References

  1. Badrulzaman, Mariam Darus. Perjanjian Kredit Bank. Bandung: Alumni, 1983.
  2. Chen, Elizabeth, Muhamad Ibnu Afif, William Jason, Cancolio Frederick Sidauruk, and Salsabila Permata Anugrah. “Perlindungan Hukum Terhadap Konsumen Pengguna Pinjaman Online Ilegal.” Prosiding Serina 1, no. 1 (2021): 2045–52. https://doi.org/10.24912/pserina.v1i1.18080.
  3. Faried, Femmy Silaswaty, and Nourma Dewi. “PERAN OTORITAS JASA KEUANGAN DALAM PENGATURAN DAN PENGAWASAN JASA LAYANAN KEUANGAN BERBASIS TEKNOLOGI (FINANCIAL TECHNOLOGY.” Jurnal Supremasi 10, no. 1 (2020): 12–22.
  4. Ishaq. Dasar-Dasar Ilmu Hukum. Jakarta: Sinar Grafika, 2009.
  5. Mertokusumo, Sudikno. Mengenal Hukum. Yogyakarta: Penerbit Liberti, 1991.
  6. Mochamad Januar Rizki. “OJK Bakal Eksekusi Putusan MA Perkuat Aturan Dan Pengawasan Pinjol.” Hukumonline.com, n.d. https://www.hukumonline.com/berita/a/ojk-bakal-eksekusi-putusan-ma-perkuat-aturan-dan-pengawasan-pinjol-lt66a1c8a6796ec/.
  7. Mongan Frischa Faradilla Arwinda Fintech: Peer to Peer Lending di Indonesia: Peluang dan Tantangan. - Ponorogo : Uwais Inspirasi Indonesia, 2024.
  8. Muchsin. Perlindungan Dan Kepastian Hukum Bagi Investor Di Indonesia. Surakarta: Universitas Sebelas Maret, 2003.
  9. Muhaimin. METODE PENELITIAN HUKUM. Juni,2020. Mataram-NTB: Mataram University Press, 2020. http://eprints.unram.ac.id/20305/1/Metode Penelitian Hukum.pdf.
  10. Najwan Gibran Aufa Perlindungan Hukum terhadap Data Pribadi Peminjam yang Disalahgunakan oleh Layanan Pinjaman Online Ilegal. - Surakarta : Jurnal Pendidikan Tambusai, 2024. - 2 : Vol. 8.
  11. Philipus M. Hadjon. Perlindungan Hukum Bagi Rakyat Di Indonesia. Surabaya: Bina Ilmu, 1987.
  12. Ramadina Nabila Dinda Perlindungan Hukum Terhadap Investor Di Platform Fintech Peer-To-Peer Lending Yang Mengalami Gagal Bayar. - Jakarta : Jurnal Hukum dan Kewarganegaraan, 2024. - 10 : Vol. 2.
  13. Salvasani, Alifia, and Munawar Kholil. “Handling Illegal Financial Technology Peer-To-Peer Lending Through the Financial Services Authority (Study at OJK Central Jakarta).” Jurnal Privat Law 8, no. 2 (2020): 252.
  14. Shidarta. Hukum Perlindungan Konsumen Indonesia. Jakarta: PT. Grafindo Indonesia, 2004.
  15. Soemitra, Andri, and Adlina. “Perlindungan Konsumen Terhadap Kebocoran Data Pada Jasa Keuangan Di Indonesia.” Jurnal Insitusi Politeknik Ganesha Medan Juripol 5 (2022): 288–303.
  16. Subhan Zein. “TINJAUAN YURIDIS PENGAWASAN OTORITAS JASA KEUANGAN TERHADAP APLIKASI PINJAMAN DANA BERBASIS ELEKTRONIK (PEER TO PEER LANDING / CROWFUNDING ) DI INDONESIA.” Jurnal Bisnis Dan Akuntansi Unsurya 4, no. 2 (2019): 115–24. https://doi.org/10.1007/978-3-540-71095-0_11275.
  17. Syah Muhammad Mekaar Peer To Peer Lending Berlisensi, Sebuah Tinjauan Yuridis Hukum Ekonomi Syariah Indonesia. - Bengkalis : Jurnal Manajemen Dan Akuntansi , 2024. - 4 : Vol. 1.
  18. Tambunan Toman Sony Hukum Bisnis. - Jakarta : Prenamedia Group, 2019.
  19. Violina, Delfa, and Renny Supriyatni. “Perlindungan Hukum Terhadap Konsumen Pengguna Teknologi Finansial Berbasis Peer to Peer Lending Syariah Di Indonesia.” Ajudikasi : Jurnal Ilmu Hukum 5, no. 1 (2021): 17–34. https://doi.org/10.30656/ajudikasi.v5i1.3267.