Legal Protection for Financial Technology Peer to Peer Lending Customers in Indonesia

Budi, Wawan Setia and Kusuma, Pramandyah Fitah and Fithri, Nur Hidayatul and Suhadi, Mochammad (2020) Legal Protection for Financial Technology Peer to Peer Lending Customers in Indonesia. Journal of Law, Policy and Globalization, 102. ISSN 2224-3259

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Abstract

A financial institution that provides technology-based money lending services or financial technology peer to peer lending (fintech P2P lending) is expected to be a solution for people in Indonesia who are unable to access conventional banking services. However, in line with the developments, there are also a presence of legal problems relating to the growing number of illegal fintech P2P lending companies which are harmful to the people who use these financial institutions. This article is the result of research related to the legal protection of Fintech P2P Lending customers in Indonesia. This study applied the normative legal research method with the theory of legal protection as the analysis theory. The approaches used were the statute approach and the conceptual approach. The result of the study showed that legal protection for fintech P2P lending customers has been sufficiently regulated, but the regulation is still partial and spread out in various laws and regulations. In the future, comprehensive regulations related to the legal protection of fintech P2P lending customers are urgently needed.

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