ATALIA, LIA (2023) PERLINDUNGAN HUKUM PENERIMA PINJAMAN FINTECH PEER-TO-PEER LENDING TERHADAP RISIKO GAGAL BAYAR AKIBAT TERDAMPAK PANDEMI COVID-19 DITINJAU BERDASARKAN POJK NOMOR 58/POJK.05/2020 TENTANG PERUBAHAN ATAS POJK NOMOR 14/POJK.05/2020 TENTANG KEBIJAKAN COUNTERCYCLICAL DAMPAK PENYEBARAN CORONA VIRUS DISEASE 2019 BAGI LEMBAGA JASA KEUANGAN NONBANK (Studi Kasus Penerima Pinjaman Aplikasi Kredit Pintar Indonesia). S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
The presence of globalization has a great impact on all sectors of life including technology. The impact of technological advances Financial Technology based on Peer-to-Peer Lending. The COVID-19 pandemic has caused borrowers in ¬P2PL to be unable to fulfill their obligations to pay bills because the event is beyond the control of the borrower, called Force Majeure. Based on this background, identify the problem, namely: First, how is the legal protection for Smart Credit P2PL loan recipients against the risk of default due to the impact of the Covid-19 pandemic. And, how is the legal certainty of POJK Number 58/POJK.05/2020 for loan recipients who have defaulted due to the impact of the Covid-19 Pandemic. To be able to answer the identification of the problem above, researchers use the theory of Legal Protection and Legal Certainty. This research uses the Normative Juridical method with a legislative approach and a conceptual approach. Data sources in this study used secondary data sources including primary, secondary and tertiary legal materials. Data collection was carried out by means of literature studies and by conducting structured interviews. Based on the results of the study, it is known that legal protection and legal certainty for Kredit Pintar loan recipients are not running properly because the regulations issued by the OJK are not strict so that many P2PL operators do not pass their customers who apply for restructuring. The COVID-19 pandemic has greatly affected the economy in the community. The impact is a decrease in income and many workers are laid off. This causes the fulfillment of obligations by P2PL borrowers to be delayed. Borrowers affected by the pandemic must get legal protection because the borrower as a consumer should be protected.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Hadirnya globalisasi membawa dampak yang besar di seluruh sektor kehidupan termasuk teknologi. Dampak dari kemajuan teknologi muncul Financial Technology berbasis Peer-to-Peer Lending. Pandemi covid-19 menyebabkan penerima pinjaman dalam ¬P2PL tidak dapat memenuhi kewajibannya membayar tagihan karena peristiwa tersebut di luar kendali dari penerima pinjaman, disebut dengan Force Majeure. Berdasarkan latar belakang tersebut maka Identifikasi masalahnya yaitu: Pertama, bagaimana perlindungan hukum terhadap penerima pinjaman P2PL Kredit Pintar terhadap risiko gagal bayar akibat terdampak pandemi covid-19. Kedua, bagaimana kepastian hukum dari POJK Nomor 58/POJK.05/2020 terhadap Penerima pinjaman yang mengalami gagal bayar akibat terdampak Pandemi Covid-19. Untuk dapat menjawab identifikasi masalah di atas maka peneliti menggunakan teori Perlindungan Hukum dan Kepastian Hukum. Penelitian ini menggunakan metode Yuridis Normatif dengan jenis Pendekatan Perundang-undangan dan Pendekatan Konseptual. Sumber data dalam penelitian ini menggunakan sumber data sekunder meliputi bahan hukum primer, sekunder dan tersier. Pengumpulan data dilakukan dengan cara studi kepustakaan dan dengan melakukan wawancara terstruktur. Berdasarkan hasil penelitian diketahui bahwa perlindungan hukum dan kepastian hukum terhadap penerima pinjaman Kredit Pintar tidak berjalan dengan semestinya karena peraturan yang dikeluarkan oleh OJK bersifat tidak tegas sehingga banyak penyelenggara P2PL tidak meloloskan nasabahnya yang mengajukan restrukturisasi. Pandemi covid-19 sangat mempengaruhi perekonomian pada masyarakat. Dampak yang ditimbulkan yaitu menurunnya pendapatan dan banyak pekerja yang di PHK. Menyebabkan pemenuhan kewajiban oleh penerima pinjaman P2PL tertunda. Penerima pinjaman yang terkena dampak pandemi wajib mendapatkan perlindungan hukum karena penerima pinjaman sebagai konsumen yang sepatutnya harus dilindungi. | |||||||||
| Uncontrolled Keywords: | Legal Protection, Covid-19, Fintech, Peer-to-Peer Lending. Perlindungan Hukum, Covid-19, Fintech, dan Peer-to-Peer Lending. | |||||||||
| Subjects: | T Technology > T Technology (General) T Technology > T Technology (General) > T201 Patents. Trademarks |
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| Divisions: | 01-Fakultas Hukum 01-Fakultas Hukum > 74201-Program Studi Ilmu Hukum |
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| Depositing User: | Mrs Lia Atalia | |||||||||
| Date Deposited: | 26 Jun 2023 15:02 | |||||||||
| Last Modified: | 26 Jun 2023 15:02 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/25484 |
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