IMPLIKASI HUKUM PASCA PENCABUTAN IZIN PERUSAHAAN PINJAMAN BERBASIS TEKNOLOGI (PEER TO PEER LENDING) OLEH OTORITAS JASA KEUANGAN

IMPLIKASI HUKUM PASCA PENCABUTAN IZIN PERUSAHAAN PINJAMAN BERBASIS TEKNOLOGI (PEER TO PEER LENDING) OLEH OTORITAS JASA KEUANGAN

  • Suhermi, Sasmiar, M.Hosen

Abstrak

Peer to peer lending that information technology based lending and borrowing money services are defined as the provision of financial services to bring together lenders with loan recipients in the context of entering into loan and loan agreements in rupiah directly through an electronic system using the network Internet. Agreement on the implementation of information technology based lending and borrowing services is an agreement between the organizer and the lender; and agreements between lenders and loan recipients. The meeting between lenders and borrowers takes place on the information technology platform. Organizers are required to provide, manage and operate peer to peer lending services. The Financial Services Authority has the authority to impose sanctions on Organizers who violate the obligations and prohibitions set out in POJK No.77 / 2016. Sanctions in the form of: Written warning, fines, namely the obligation to pay a certain amount of money, restrictions on business activities, revocation of licenses. The organizer is fully responsible to the lender because the Provider has proven to be negligent in conducting his business.

Diterbitkan
2020-02-06