Pengaturan Hukum Terkait Penggunaan Telepon pada Penagihan Peer to Peer Lending
DOI:
https://doi.org/10.55606/jhpis.v3i2.3767Keywords:
peer to peer lending, collection, legal protectionAbstract
Peer to peer lending (P2PL) is an online-based money lending platform. P2PL billing is very diverse even though it has been regulated in several regulations in Indonesia but still requires continuous study. The objectives of this study are (1) To find out the reasons for the need for more detailed legal rules related to debt collection procedures in P2PL and (2) To find out the future legal rules regarding P2PL debt collection procedures that have not been regulated in Indonesian laws and regulations. This research uses normative juridical research using statutory, conceptual and comparative legal approaches. The result of this research is the reason for the need for more detailed legal arrangements related to debt collection procedures in P2PL is to achieve justice in the form of balance for the parties involved in P2PL and the detailing of billing arrangements by telephone means which are explicitly stated in the legislation by categorizing continuous telephone ringing and conducting telephone conversations repeatedly with the intention of disturbing, abusing, or harassing someone at the intended number in the category of violence and the obligation to disclose the identity of P2PL debt collectors in every collection in any form.
References
Asosiasi Fintech Pendanaan Bersama Indonesia. (2020). Pedoman perilaku pemberian layanan pinjam meminjam uang berbasis teknologi informasi secara bertanggung jawab tahun 2020. https://afpi.or.id/assets/document/SK-Pengurus-Perkumpulan-AFPI-No.002-merged.pdf (Accessed March 15, 2023).
Baruna, S. S. A., Dalimunthe, Z., & Triono, R. A. (2023). Factors affecting investor switching intention to fintech peer-to-peer lending. In B. Alareeni & A. Hamdan (Eds.), Sustainable finance, digitalization and the role of technology. ICBT 2021. Lecture Notes in Networks and Systems, vol 487. Springer, Cham. https://doi.org/10.1007/978-3-031-08084-5_7
Bojsen-Møller, M., Auken, S., Devitt, A. J., & Christensen, T. K. (2020). Illicit genres: The case of threatening communications. Sakprosa, 12(1), 1–53. https://doi.org/10.5617/sakprosa.7416
CFR Part 1006 (Regulation F). (2024). https://www.consumerfinance.gov/rules-policy/regulations/1006/14/#c (Accessed May 1, 2024).
Fair Debt Collection Practices Act (FDPCA). (2024). https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text#806 (Accessed April 25, 2024).
Firanda, G. A., et al. (2021). Debt collection of financial technology lending. ICSTIAMI EAI. https://doi.org/10.4108/eai.17-7-2019.2303007
FSU Police Department. (2024). https://servicecenter.fsu.edu/s/article/What-do-I-do-if-I-am-getting-harassing-or-life-threatening-phone-calls-1600352417529 (Accessed April 30, 2024).
Garner, B. A. (2009). Black’s law dictionary (9th ed.). St. Paul: West.
Handoko, J., Kevin, K., Paulus, P., & Salsabila, Z. (2022). Sistem deteksi nomor telepon dan rekening bank terindikasi penipuan berbasis aplikasi android dan web. Jurnal Sifo Mikroskil, 23(2), 183-196. https://doi.org/10.55601/jsm.v23i2.913
Hart, H. L. A. (1997). The concept of law. Clarendon Press.
Havrylchyk, O., Mariotto, C., Rahim, T., & Verdier, M. (2020). The expansion of peer-to-peer lending. Review of Network Economics, 19(3), 145-187. https://doi.org/10.1515/rne-2020-0033
Karp, D. J. (2023). Business and human rights in a changing world order: Beyond the ethics of disembedded liberalism. Business and Human Rights Journal, 8(2), 135–150. https://doi.org/10.1017/bhj.2023.10
Kemdikbud. (2023). https://kbbi.kemdikbud.go.id/entri/perlindungan (Accessed March 1, 2024).
Kitab Undang-undang Hukum Perdata.
Malakani, C., Bagula, A., Ajayi, O., & Maluleke, H. (2022). Trading 4.0: An online peer-to-peer money lending platform. In Y. H. Sheikh, I. A. Rai, & A. D. Bakar (Eds.), e-Infrastructure and e-Services for Developing Countries. AFRICOMM 2021. Lecture Notes of the Institute for Computer Sciences, Social Informatics and Telecommunications Engineering, vol 443. Springer, Cham. https://doi.org/10.1007/978-3-031-06374-9_10
Montana State University Police Department. (2024). https://www.securecommunitynetwork.org/resources/model-security-policies-procedures/threatening-phone-calls (Accessed April 25, 2024).
National Research Council. (2011). Threatening communications and behavior: Perspectives on the pursuit of public figures. Washington, DC: The National Academies Press. https://doi.org/10.17226/13091
O'Hair, H. D., Bernard, D. R., & Roper, R. R. (2011). Communication-based research related to threats and ensuing behavior. In C. Chauvin (Ed.), Threatening communications and behavior: Perspectives on the pursuit of public figures (pp. 33–73). The National Academies Press.
Peraturan Otoritas Jasa Keuangan No. 22 Tahun 2023 Tentang Perlindungan Hukum Konsumen dan Masyarakat di Sektor Jasa Keuangan.
Peraturan Otoritas Jasa Keuangan No. 77/POJK.01/2016 Tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi.
Prastiyo, W., & Suartha, I. (2021). Debt collection violations in financial technology in a cyber-ethic and legal perspective. Jurnal Komunikasi Ikatan Sarjana Komunikasi Indonesia, 6(1), 13-21. https://doi.org/10.25008/jkiski.v6i1.510
Rafael, A., & Ishak, S. (2022). Analysis of unlawful collection actions regarding online loans from illegal fintech (Case Study on Decision Number 438/Pid. Sus/2020/PN. Jkt. Utr). In 3rd Tarumanagara International Conference on the Applications of Social Sciences and Humanities (TICASH 2021). Atlantis Press.
Rahmawati, D. (2018). Makna kepastian hukum dalam penyelenggaraan rumah susun. MAKSIGAMA, 12(2), 117-128. Retrieved from https://maksigama.wisnuwardhana.ac.id/index.php/maksigama/article/view/49
Wu, T.-P., Wu, H.-C., Liu, S.-B., Hsueh, H.-P., & Wang, C.-M. (2020). Causality between peer-to-peer lending and bank lending in China: Evidence from a panel data approach. The Singapore Economic Review. https://doi.org/10.1142/S0217590820500332
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 JURNAL HUKUM, POLITIK DAN ILMU SOSIAL
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
