Authors:

Ni Nengah Ayu Putri Darsani, Dewa Gde Rudy

Abstract:

“Penelitian ini bertujuan untuk mengetahui legalitas penggunaan asuransi kredit dalam Peer To Peer Lending (P2P Lending) sebagai perlindungan dana lender dalam maraknya gagal bayar oleh borrower akibat pandemi COVID-19. Metode penelitian hukum normatif digunakan dalam penelitian ini Berdasarkan hasil analisis yang dilakukan penggunaan asuransi kredit dalam P2P Lending belum memiliki regulasi khusus terkait, namun penggunaan asuransi kredit sendiri telah dinyatakan legal dengan adanya perluasan produk asuransi umum yang dijelasakan lebih lanjut dengan dibentuknya ketentuan POJK No. 69/2016, kemudian bentuk perlindungan hukum yang dapat dijamin dengan penggunaan asuransi kredit terhadap dana kreditur berupa pemberian ganti rugi dari perusahaan asuransi umum yang menawarkan produk asuransi kredit tersebut kepada kreditur terhadap ketidakmampuan debitur dalam memenuhi kewajibannya dalam perjanjian pokok. Dimana sebelum memasarkan produk asuransi kredit tersebut, perusahaan asuransi umum harus memenuhi persyaratan yang tertera dalam Pasal 2 Permenkeu No. 124/2008, apabila perusahaan asuransi umum tidak memenuhi persyaratan tersebut maka produk asuransi kredit tidak dapat diedarkan. Dan juga perusahaan asuransi umum yang menawarkan produk asuransi kredit tidak diperkenankan menunda maupun tidak memenuhi kewajibannya dalan pemberian ganti rugi dalam keadaan apapun. Kata Kunci: Peer To Peer Lending, Asuransi Kredit, Perlindungan Hukum ABSTRACT This reasearch aims is to find out the legality of the use of credit insurance in Peer To Peer Lending (P2P Lending) as a protection for lender funds in the rampant defaults by borrowers due to the COVID-19 pandemic. The normative legal research method used in this research. Based on analysis P2P Lending doesn’t have a specific regulation yet, but the use of online money lending service such as peer to peer lending is legal and because of it’s extention of general insurance that’s been explained in the POJK No.69/PJOK.05/2016. Futhermore the type of protection from this law is guaranteed by using credit insurance to the credit fund in giving compensation from the general insurance company that offered the credit insurance products to the creditors to the debtor who can’t keep their contract. Before marketing their products companies should comply with the law that’s stated in Pasal 2 Permenkeu No. 124/2008, if a general insurance company cannot fulfill the requirements then their product will not be sold and these companies are not allowed to postpone and deny giving the proper compensation under any circumstances. Key Words: Peer To Peer Lending, Credit Insurance, Legal Protectio”

Keywords

Peer To Peer Lending, Asuransi Kredit, Perlindungan Hukum ABSTRACT This reasearch aims is to find out the legality of the use of credit insurance in Peer To Peer Lending (P2P Lending) as a protection for lender funds in the rampant defaults by borrowers due to the COVID-19 pandemic. The normative legal research method used in this research. Based on analysis P2P Lending doesn’t have a specific regulation yet, but the use of online money lending service such as peer to peer lending is legal and because of it’s extention of general insurance that’s been explained in the POJK No.69/PJOK.05/2016. Futhermore the type of protection from this law is guaranteed by using credit insurance to the credit fund in giving compensation from the general insurance company that offered the credit insurance products to the creditors to the debtor who can’t keep their contract. Before marketing their products companies should comply with the law that’s stated in Pasal 2 Permenkeu No. 124/2008, if a general insurance company cannot fulfill the requirements then their product will not be sold and these companies are not allowed to postpone and deny giving the proper compensation under any circumstances. Key Words: Peer To Peer Lending, Credit Insurance, Legal Protectio

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PDF:

https://jurnal.harianregional.com/kerthawicara/full-73190

Published

2021-09-22

How To Cite

DARSANI, Ni Nengah Ayu Putri; RUDY, Dewa Gde. Legalitas Asuransi Kredit Sebagai Perlindungan Dana Peer Lender Dalam Pelaksanaan Peer to Peer Lending.Kertha Wicara : Journal Ilmu Hukum, [S.l.], v. 10, n. 9, p. 692-701, sep. 2021. ISSN 2303-0550. Available at: https://jurnal.harianregional.com/kerthawicara/id-73190. Date accessed: 22 Jun. 2024. doi:https://doi.org/10.24843/KW.2021.v10.i09.p03.

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Issue

Vol 10 No 9 (2021)

Section

Articles

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