Authors:

Denise Denise, Putu Devi Yustisia Utami

Abstract:

“Tujuan penelitian ini adalah untuk menganalisa hubungan hukum berdasarkan dari perjanjian antara sejumlah pihak yang bersangkutan pada kegiatan peer to peer lending sesuai hukum positif di Indonesia. Metode penelitian pada jurnal ini merupakan metode penelitian hukum normatif dimana menerapkan pendekatan perundang-undangan. Hasil studi menyatakan bahwa dalam pelaksanaan kegiatan peer to peer lending melibatkan 3 (tiga) pihak, yakni pengelola, pihak yang memberi dan pihak yang menerima dana kredit online. Meskipun dilaksanakan secara online, peer to peer lending tetap mewujugkan kontak hukum antar pihak dikarenakan adanya perjanjian elektronik pinjam-meminjam dimana memiliki basis teknologi. Persoalan ini sesuai dengan arahan peraturan yang berlaku dalam Pasal 30 Peraturan Otoritas Jasa Keangan (POJK) Nomor 10/POJK.05/2022 Tahun 2022 tentang Layanan Pendanaan Bersama Berbasis Teknologi Informasi (LPBBTI). This study aims to inquire about legal relations based on like-mindedness between the parties under peer to peer lending activity under the positive law in Indonesia. This journal uses the normative within the law method with a statutory approach. This study states that the implementation of peer to peer lending activity involves three parties: the organizer, lender, and borrower. Despite being held online through technology, peer to peer lending still establishes legal relations between the parties under an electronic loan agreement. This statement refers to Article 30 of The Regulation of the Financial Services Authority No. 10/POJK.05/2022 regarding Information Technology-Based Joint Funding Service.”

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PDF:

https://jurnal.harianregional.com/kerthadesa/full-97875

Published

2023-12-08

How To Cite

DENISE, Denise; UTAMI, Putu Devi Yustisia. HUBUNGAN HUKUM DALAM PEER TO PEER LENDING BERDASARKAN HUKUM POSITIF DI INDONESIA.Kertha Desa, [S.l.], v. 11, n. 8, p. 3096-3108, dec. 2023. Available at: https://jurnal.harianregional.com/kerthadesa/id-97875. Date accessed: 02 Jun. 2025.

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Issue

Vol 11 No 8 (2023)

Section

Articles

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