Perlindungan Hukum Terhadap Konsumen Pengguna Teknologi Finansial Berbasis Peer to Peer Lending Syariah di Indonesia
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Abstract
Today's technological developments are increasingly developing, one of the sectors affected by this technological development is the economic sector. Peer to Peer Lending is a product of technology in the economic sector. Considering that Indonesia is a country with a majority Muslim population, making Peer to Peer Lending experience a change from conventional to sharia. Peer to peer lending sharia must follows sharia principles based on the rules established by the Otoritas Jasa Keuangan and Fatwa Majelis Ulama Indonesia. The convenience provided by Peer to Peer Lending Syariah has the posibility to all the risks that exist, making the government try to be able to protect all parties with existing regulations. This research will be using normative juridical methods, which connected with all the theories, concepts, documents, and regulation which related to peer to peer lending syariah. Therefore, this journal aims to understand positive legal provisions related to the implementation of Peer to Peer Lending sharia and legal protection and legal action that can be taken by consumers based on the regulation of Peer to Peer Lending.
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References
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PERATURAN PERUNDANG-UNDANGAN
Kitab Undang-Undang Hukum Perdata
Undang-Undang Nomor 11 Tahun 2008 tentang informasi dan Transaksi Elektronik
POJK Nomor 1/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan
POJK Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi informasi
Fatwa DSN-MUI Nomor 117/DSN-MUI/II/2018 tentang Layanan Pembiayaan Berbasis Teknologi informasi Berdasarkan Prinsip Syariah
INTERNET
Dewi Anita, Sistem Penagihan Pinjol Berkah Fintek Syariah Bermasalah, diakses dari https://mediakonsumen.com/2020/12/19/surat-pembaca/sistem-penagihan-pinjol-berkahfintek-syariah-bfs-bermasalah
Sovia Hasanah, Kedudukan fatwa MUI dalam Hukum Nasional, https://www.hukumonline.com/klinik/detail/ulasan/lt5837dfc66ac2d/kedudukan-fatwa-mui-dalam-hukum-Indonesia
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