akibat hukum penyelenggara yang wanprestasi dalam kegiatan usaha financial teknologi berbasis peer to peer lending

Abstract

Abstrak

Penelitian berjudul Akibat Hukum Penyelenggara Yang Wanprestasi Dalam Usaha Finansial Teknologi Berbasis Peer To Peer Lending. Penelitian dengan mengajukan permasalahan Apa akibat hukumnya jika penyelenggaraan Financial Technology berbasis Peer to peer lending di Indonesia tidak memenuhi kewajiban terhadap Pendana dan Upaya hukum apa yang dapat dilakukan oleh Pendanadalam Peer to peer lending apabila peminjam tidak mampu mengembalikan pinjaman. Penelitian menggunakan metode penelitian yuridis normative yaitu suatu prosedur penelitian ilmiah untuk menemukan kebenaran berdasarkan logika ilmu hukum dari sisi normatifnya. Penelitian hukum normatif meletakkan hukum sebagai sebuah bangunan sistem norma mengenai asas-asas-norma, kaidah dari peraturan perundang-undangan maupun putusan pengadilan guna menjawab permasalahan hukum yang sedang dihadapi.Berdasarkan hasil penelitian diperoleh suatu kesimpulan sebagai berikut: Akibat hukumnya jika penyelenggaraan Financial Technology berbasis Peer to peer lending di Indonesia tidak memenuhi kewajiban terhadap Pendana , bahwa penyelenggaraan Financial Technology berbasis Peer to peer lending  tidak memenuhi kewajibannya dalam arti mengalami kegagalan dalam menjalankan kegiatan usaha, segala bentuk kerugian dialihkan kepada Pendana. Sehingga segala bentuk tanggungjawab kerugian yang timbul dari perjanjian kerjasama Pendanaan secara keseluruhan dibebankan kepada Pendana, penyelenggaraan Financial Technology berbasis Peer to peer lending melepaskan tanggungjawabnya. Upaya hukum apa yang dapat dilakukan oleh Pendana dalam Peer to peer lending apabila peminjam tidak mampu mengembalikan pinjaman, bahwa penyelenggaraan Financial Technology berbasis Peer to peer lending yang mengalihkan bentuk tanggungjawab atas kerugian yang timbul dalam penyelenggaraan kegiatan Financial Technology berbasis Peer to peer lending berdasarkan ketentuan Pasal  37 POJK Nomor 77/POJK.01/2016 LPMUBTI, yang menentukan bahwa: “Penyelenggara wajib bertanggung jawab atas kerugian pengguna yang timbul akibat kesalahan dan/atau kelalaian, direksi, dan/atau pegawai penyelenggara”. Pendana apabila dirugikan dapat menggugat ganti kerugian terhadap penyelenggaraan kegiatan Financial Technology berbasis Peer to peer lending ke Pengadilan Negeri atas dasar telah melakukan perbuatan melanggar hukum.

Kata Kunci : Akibat Hukum, Wanprestasi, Peer To Peer Lending

Abstract

The study is entitled The Legal Consequences of Providers with Default in Peer To Peer Lending-Based Financial Businesses. Research by proposing the problem What are the legal consequences if the implementation of Peer to peer lending-based Financial Technology in Indonesia does not meet obligations to Funders and what legal remedies can be carried out by Peers to peer lending if the borrower is unable to repay the loan.

The study uses the normative juridical research method which is a scientific research procedure to find the truth based on the logic of legal science from the normative side. Normative legal research puts the law as a building system of norms regarding the principles, norms, rules of legislation and court decisions to address the legal problems being faced.

Based on the results of the study, a conclusion is obtained as follows: The legal consequences if the implementation of Peer to peer lending-based Financial Technology in Indonesia does not meet obligations to Funders, that the implementation of Peer to peer-lending-based Financial Technology does not fulfill its obligations in the sense of experiencing failure in carrying out business activities, all the loss form is transferred to the Funder. So that all forms of responsibility for losses arising from the cooperation agreement Funding as a whole is borne by Funders, the implementation of Peer to peer lending-based Financial Technology relinquishes its responsibilities. What remedies can be done by lenders in Peer to peer lending if the borrower is unable to repay the loan, that the implementation of Peer to peer lending-based Financial Technology which transfers the form of liability for losses arising in the operation of Peer to peer lending-based Financial Technology activities based on the provisions of Article 37 POJK Number 77 / POJK.01 / 2016 LPMUBTI, which determines that: "The Operator is responsible for user losses arising from errors and / or negligence, directors, and/or organizing employees". Funders if harmed can sue for compensation against the implementation of Peer to peer lending-based Financial Technology activities to the District Court on the basis of having committed an illegal act.

Keywords: Legal Consequences, Default, Peer To Peer Lending