Perjanjian Pinjaman Online Berbasis Financial Technology (Fintech)

Ni Made Eka  Pradnyawati; I Nyoman  Sukandia; Desak Gde Dwi  Arini

doi:10.22225/jkh.2.2.3230.320-325

Ni Made Eka Pradnyawati
I Nyoman Sukandia Univesitas Warmadewa
Desak Gde Dwi Arini Univesitas Warmadewa

DOI: https://doi.org/10.22225/jkh.2.2.3230.320-325

Abstract

Financial Technology (Fintech) is a technology alternative that facilitates loan transactions that can be done online. Online loans create new problems such as rampant fraud and default. Referring to the problems described, this research was conducted with the aim of explaining the legal position of financial technology-based online loan agreements (Fintechl), and knowing the legal protection of creditors who provide financial technology-based online loans (Fintech). This research used normative legal research. Sources of data are primary and secondary legal materials, data are combined with recording techniques in obtaining primary and secondary legal materials, namely examining several reading materials such as journals, scientific books and statutory regulations. After the data is collected, it is then analyzed qualitatively. The result showed that the legal position of online loan agreements based on financial technology (Fintech) when reviewed legally, the online agreement is legally valid because it has a basis, namely Article 1320 of the Civil Code and the validity of the evidence used refers to law Number 11 of 2008 concerning Article 5 of the ITE Law on information, documents and electronic signatures. Legal protection for creditors in an online loan agreement based on financial technology (Fintech) consists of preventive legal protection and repressive legal protection.

References

Baihaqi, J. (2018). Financial Technology Peer-To-Peer Lending Berbasis Syariah di Indonesia. Journal of Sharia Economic Law, 1(2), 116–132.

Budiyanti. (2019). Upaya Mengatasi Bisnis Finansial Teknologi. Jurnal Info Singkat, 11(4), 20–31.

Fais, K. (2021). Perlindungan Hukum Bagi Pengguna Layanan Pinjam Meminjam Uang Berbasis Tegnologi Informasi. Jurnal Hukum, 13(1), 70–90.

Ghazali, D. S., & Usman, R. (2012). Hukum Perbankan. Jakarta : Sinar Grafika.

Istiqamah. (2019a). Analisis Pinjaman Online oleh Fintech dalam Kajian Hukum Perdata. Jurusan Ilmu Hukum Fakultas Syariah Dan Hukum, 6(2), 291–306.

Istiqamah. (2019b). Analisis Pinjaman Online oleh Fintech Dalam Kajian Hukum Perdata Hukum Fakultas Syarian dan Hukum, 6 (2). Jurnal Jurisprudentie, 6(2), 291–306.

Noor, I. H. (2011). Pemanfaatan Ilmu Pengetahuan dan Teknologi dalam Kegiatan Pengabdian Masyarakat di Perguruan Tinggi. Jurnal Pendidikan Dan Kebudayaan, 17(3).

Novinna, V. (2020). Perlindungan Konsumen dari Penyebarluasan Data Pribadi oleh Pihak Ketiga. Jurnal Magister Hukum Udayana (Udayana Master Law Journal), 9(1), 92–110.

Sugangga, R., & Sentoso, E. H. (2020). Perlindungan Hukum Terhadap Pengguna Pinjaman Online (Pinjol) Ilegal. Jurnal of Law, 1(1), 47–61.

Sugiyono. (2013). Metode Penelitian Pendidikan Pendekatan Kuantitatif dan Kualitatif. Alfabeta.

Wahyuni, R. A. E., & Turisno, B. E. (2019). Praktik Finansial Teknologi Ilegal dalam Bentuk Pinjaman Online Ditinjau dari Etika Bisnis. Jurnal Pembangunan Hukum Indonesia, 1(3), 379–391.

Yuliana, O. Y. (2000). Penggunaan Teknologi Internet dalam Bisnis. Jurnal Akuntansi Dan Keuangan, 2(1), 36–52.