Sumirat, Iin Ratna and Atikah, Ika (2019) Legal Protection For Financial Technology Loan Consumers In Indonesia: A Review Of Regulation Of Financial Services Authority. ICLJ E-Proceeding, Vol.1. pp. 145-149. ISSN ISSN: 1823-4593 | E-ISSN: 2710-6462
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This study discusses the legal protection efforts of loan recipients as consumers of financial technology in Indonesia in terms of financial services authority regulations. The formulation of the problem of this research is: how is the legal protection for financial technology loan recipients, what efforts can be done by the recipients of financial technology loans in the event of a loss with the lender. This normative research uses a statutory and conceptual approach. The results of this study indicate that legal protection for loan recipients is clearly regulated and not detrimental to The main element of the implementation of the transaction is the existence of a standard clause in the form of the agreement agreed by both of them in the electronic document. The agreement is made electronically in writing following the laws and regulations. Lenders as fintech operators are prohibited from transferring responsibilities or obligations to the recipient, users must comply with new, additional and advanced rules and are prohibited from making changes unilaterally by the organizer within the period the user utilizes the service. Fintech lenders are obliged to provide transparency, fair treatment, reliability, confidentiality and security of consumer data / information, and handling complaints and settling consumer disputes in a simple, fast, and affordable cost. The Financial Services Authority (OJK) has a central role in regulating and overseeing the implementation of financial technology companies, including providing protection for fintech loan recipients. Fintech consumers can make complaints due to losses from fintech providers, submit the complaint to the board of commissioners in the field of education and consumer protection. Providing facilities in resolving complaints of fintech cases by consumers.
| Tipe Item/Data: | Artikel |
|---|---|
| Informasi Tambahan: | Penulis: Iin Ratna Sumirat dan Ika Atikah (page 145-149) Shria Faculty State Islamic UniversitySharia Faculty State Islamic University Sultan Maulana Hasanuddin Banten |
| Kata Kunci (keywords): | Keywords: Protection, Consumer, Financial Technology, Financial Services Authority |
| User Penyetor: | S.IPI Tsulatsiah Andi |
| Tanggal Disetorkan: | 31 Okt 2022 05:05 |
| Perubahan Terakhir: | 01 Nov 2023 07:56 |
| URI: | http://repository.uinbanten.ac.id/id/eprint/10206 |
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