Authors:

Gabriella Krisavira Deahandira, Anak Agung Angga Primantari

Abstract:

“Tujuan studi ini untuk mengkaji kriteria kredit macet dan upaya penyelesaian kredit macet yang diajukan tanpa agunan pada layanan kredit berbasis teknologi atau financial technology di Indonesia perspektif hukum perbankan. Metode penelitian yang digunakan adalah metode normatif dengan pengaturan perundangan. Hasil studi menunjukkan bahwa kriteria kredit macet dalam P2P Lending belum diatur secara komperhensif. Serta upaya penyelesaian kredit macet dalam P2P Lending yakni masih melalui langkah persuasif. Untuk menghindari adanya kredit macet maka pihak penyelenggara P2P Lending dapat melihat kolektibilitas peminjam serta mendaftar ke sistem informasi keuangan sehingga setiap peminjam yang bermasalah dapat terekam jejaknya. The purpose of this study is to examine the criteria of bad debt and the settlement efforts of bad loans that are applied without collateral on technology-based credit services or financial technology in Indonesia from the perspective of banking law. The research method used is a normative approach with legislative arrangements. The results of the study shows that the criteria for bad debt in P2P Lending have not been comprehensively regulated. Moreover, settlement efforts to resolve bad loans in P2P Lending are still through persuasive procedure. In order to avoid bad loans, the P2P Lending organizers can assess the collectibility of the borrower as well as registering with the financial information system so that every troubled borrower can be traced.”

Keywords

Keyword Not Available

Downloads:

Download data is not yet available.

References

References Not Available

PDF:

https://jurnal.harianregional.com/kerthadesa/full-79075

Published

2022-07-15

How To Cite

DEAHANDIRA, Gabriella Krisavira; ANGGA PRIMANTARI, Anak Agung. UPAYA PENYELESAIAN KREDIT MACET TANPA AGUNAN DALAM PEER TO PEER LENDING.Kertha Desa, [S.l.], v. 10, n. 7, p. 607-616, july 2022. Available at: https://jurnal.harianregional.com/kerthadesa/id-79075. Date accessed: 02 Jun. 2025.

Citation Format

ABNT, APA, BibTeX, CBE, EndNote - EndNote format (Macintosh & Windows), MLA, ProCite - RIS format (Macintosh & Windows), RefWorks, Reference Manager - RIS format (Windows only), Turabian

Issue

Vol 10 No 7 (2022)

Section

Articles

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