TINJAUAN YURIDIS MENGENAI PEMBERIAN DANA PROTEKSI OLEH PENYELENGGARA FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER (P2P) LENDING SEBAGAI UPAYA PENCEGAHAN DAN PENANGGULANGAN GAGAL BAYAR

Tiffara, Nadya Katharina (2023) TINJAUAN YURIDIS MENGENAI PEMBERIAN DANA PROTEKSI OLEH PENYELENGGARA FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER (P2P) LENDING SEBAGAI UPAYA PENCEGAHAN DAN PENANGGULANGAN GAGAL BAYAR. S1 thesis, Universitas Atma Jaya Yogyakarta.

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Abstract

The era of globalization is an era where the use of technology is easy and the use of technology is one of the attractions of a country's progress. Technology was created to provide positive benefits for human life. Many aspects of human life have become easier because of this technological development, one of which is the financial industry in Indonesia, which is commonly referred to as financial technology (fintech). Many financial services are offered through the existence of this financial technology, one of which is peer to peer (P2P) lending, which is a method that can be used to obtain loans for individuals/businesses based on information technology (online). The easy conditions for P2P lending transactions increase the risk of loss for creditors. One of the solutions provided by the platform is the provision of protection funds for creditors in the event of default. Unfortunately, the provision of protection funds is contrary to POJK No. 10/POJK.05/2022 so that the platform is deemed to have violated the applicable provisions.

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