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

Widya Yuridika

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Title Implementasi Besaran Bunga Peer to Peer Lending Berdasarkan Asas Itikad Baik dalam Pemanfaatan Teknologi Informasi Serta Pengawasannya
 
Creator Khoirunisa, Anita
Suwandono, Agus
Muchtar, Helitha Novianty
 
Subject Financial Technology; Information Technology; Interest Rates
 
Description 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.
 
Publisher Universitas Widya Gama Malang
 
Contributor
 
Date 2020-05-24
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article
 
Format application/pdf
 
Identifier http://publishing-widyagama.ac.id/ejournal-v2/index.php/yuridika/article/view/1294
10.31328/wy.v3i1.1294
 
Source Widya Yuridika: Jurnal Hukum; Vol 3, No 1 (2020): Widya Yuridika, Periode Juni, 2020; 29-42
Widya Yuridika; Vol 3, No 1 (2020): Widya Yuridika, Periode Juni, 2020; 29-42
2620-5556
2615-7586
10.31328/wy.v3i1
 
Language ind
 
Relation http://publishing-widyagama.ac.id/ejournal-v2/index.php/yuridika/article/view/1294/1155
 
Rights Copyright (c) 2020 Widya Yuridika
http://creativecommons.org/licenses/by-sa/4.0
 

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