WHO IS THE MOST AUTHORIZED TO ERADICATE ILLEGAL FINANCIAL INSTITUTION ?
Abstract
Illegal financial institutions have repeatedly appeared and disappeared in the community. Illegal banks or savings institutions disguise their businesses as travel agents or public fund savings institutions called arisan. At the moment, there have been emerging illegal online loan institutions (Pinjol). In 2021, illegal online loans (Pinjol) become a trending topic in Indonesia. Illegal lending has become a long-standing issue in society. The authorities have carried out the eradication of illegal lending. However, illegal borrowing is never completely eradicated and is always present in the community. Illegal borrowing has also caused a lot of community problems. This research aims to examine the illegal borrowing in the midst of society. This research uses a normative juridical method. This research concludes that eradicating illegal lending is the responsibility of the police, not the responsibility of the Indonesian Financial Services Authority (OJK). Even though illegal lenders operate in the financial industry, the Indonesian Financial Services Authority has no authority over the illegal financial industry. The authority of the Indonesian Financial Services Authority has been confirmed in Law of the Republic of Indonesia Number 21 of 2011. The illegal financial industry does not only exist in the financial technology industry, but has also emerged repeatedly in the conventional financial industry, such as illegal banks, fraudulent investments, and credit unions.
Full Text:
PDFReferences
Article
Awanda, I. Tria. (2019). Analisis Pinjaman Online oleh Fintech Dalam Kajian Hukum Perdata. Jurisprudentie, 6(2), 291–306. https://doi.org/10.31227/osf.io/nufce
Budiyanti, Eka. (2019). Upaya Mengatasi Layanan Pinjaman Online Ilegal. Info Singkat, Kajian Singkat Terhadap Isu Aktual Dan Strategis Bidang Ekonomi Dan Kebijakan Publik, 11(4), 19–24.
Dei, M. Fina. (2020). Transaksi Pinjaman Online Ditinjau Dari Undang- Undang Tentang Informasi Dan Transaksi Elektronik. Proceeding: Call for Paper 2nd National Conference on Law Studies: Legal Development Towards A Digital Society Era, 126–149.
Disemadi, hari Sutra., & Regent. (2021). Urgensi Suatu Regulasi yang Komprehensif Tentang Fintech Berbasis Pinjaman Online Sebagai Upaya Perlindungan Konsumen di Indonesia. Jurnal Komunikasi Hukum, 7(2), 605–618. Retrieved from https://ejournal.undiksha.ac.id/index.php/jkh
Firanda, G. Asdina., Prananingtyas, Paramita., & Lestari, N. L. (2019). Nagih Utang Pinjaman Online Berbasis Financial Technology. Diponegoro Law Review, 8(4), 2523–2538.
Hakim BF, Ari. Rahmad., Wisudawan, I. Gusti. Agung., & Setiawan, Yudi. (2020). Pengaturan Bisnis Pinjaman Secara Online Atau Fintech Menurut Hukum Positif Di Indonesia. Ganec Swara, 14(1), 464–475. https://doi.org/10.35327/gara.v14i1.122
Iin Indriani, Nurhayati, & Utaminingsih, Sri. (2021). Analisis Dampak Dan Resiko Hukum Terhadap Praktik Pinjaman Online Di Masa Pandemi. Rechtsregel, 4(1), 95–107.
Johan, Suwinto. (2020). Users’ acceptance of financial technology in an emerging market (An empirical study in Indonesia). Jurnal Ekonomi Dan Bisnis, 23(1), 173–188. https://doi.org/10.24914/jeb.v23i1.2813
Johan, Suwinto. (2021). Peer-to-peer Lending’s Customer Profile: Empirical Research on Indonesia’s Financial Technology Market. Southeast Asian Journal of Economics, 9(1), 103–120.
Johan, Suwinto., & Ariawan, Ariawan. (2021). Keterbukaan Informasi Uu Pasar Modal Menciptakan Asymmetric Information Dan Semi Strong Form. Masalah-Masalah Hukum, 50(1), 106–118. https://doi.org/10.14710/mmh.50.1.2021.106-118
Johan, Suwinto., & Ariawan, Ariawan. (2021). Consumer protection in financial institutions. Legality : Jurnal Ilmiah Hukum, 29(2), 173–183. https://doi.org/10.22219/ljih.v29i2.16382
Nugroho, Hendro. (2020). Perlindungan Hukum bagi Para Pihak dalam Transaksi Pinjaman Online. Justitia: Jurnal Ilmu Hukum Dan Humaniora, 7(2), 328–334. https://doi.org/10.35706/positum.v5i1.3482
Nurmantari, N. N. Ari. Diah., & Martana, Nyoman. A. (2019). Perlindungan Hukum Terhadap Data Pribadi Peminjam Dalam Layanan Aplikasi Pinjaman Online. Kertha Wicara, 8, 1–14.
Nurwahridya, M. Meingga., & Hartiwiningsih. (2020). Peranan Polri Dalam Penanggulangan Tindak Pidana Siber Oleh Desk Collector Pinjaman Online. Jurnal Recidive, 9(1), 43–49.
Prilliasari, Erna. (2019). Pentingnya perlindungan data pribadi dalam transaksi pinjaman. Majalah Hukum Nasional, 2, 1–27.
Sitompul, M. Gerarita. (2018). Urgensi Legalitas Financial Technology (Fintech): Peer To Peer (P2P) Lending Di Indonesia. Jurnal Yuridis Unaja, 1(2), 68–79. https://doi.org/10.35141/jyu.v1i2.428
Sugangga, Rayyan., & Sentoso, E. Hari. (2020). Perlindungan Hukum Terhadap Pengguna Pinjaman Online (PInjol) Ilegal. PAJOUL (Pakuan Justice Journal of Law), 01(01), 47–61.
Wahyuni, R. Ani. Eko., & Turisno, B. E. (2019). Praktik Finansial Teknologi Ilegal Dalam Bentuk Pinjaman Online Ditinjau Dari Etika Bisnis. Jurnal Pembangunan Hukum Indonesia, 1(3), 379–391. https://doi.org/10.14710/jphi.v1i3.379-391
Wardani, D. Kusuma., Nugroho, S. Pulung., & Prabowo, A. Adi. (2021). Pengaruh Persepsi Etis Dan Religiusitas Terhadap Niat Umkm Melakukan Pinjaman Online Pada Masa Covid-19. Kajian Bisnis Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha, 29(2), 81–92. https://doi.org/10.32477/jkb.v29i2.296
Widiarti, Arti., Insani, Nursolihi., & Tuanaya, H. Humayra. (2020). Penyuluhan Dampak Positif dan Negatif Dari Layanan Pinjaman Online Dalam Ranah Hukum Pidana dan Hukum Perdata di Desa Jagabaya, Kabupaten Lebak-Banten. Jurnal Pengabdian Kepada Masyarakat, 2(3), 425–430.
Regulations
Kitab Undang Undang Hukum Perdata
Peraturan Menteri No. 20 tahun 2016 tentang Perlindungan data pribadi dalam transaksi elektronik
Peraturan Otoritas Jasa Keuangan Nomor 1/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan,
Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi
Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen
Undang Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan
Others
Asmara, C. Gian. (2021). Jokowi Punya Rencana Jitu Untuk Musnahkan Pinjol Ilegal. CNBC Indonesia.
CNBC Indonesia. (2021). sebar-foto-kontak-begini-jahatnya-pinjol-ilegal.
CNBC Indonesia. (2021). Mahfud MD: Kita Serius Tindak Pinjol Ilegal, Bisa Dipidana!
CNN Indonesia. (2021). ciri-ciri-arisan-online-bodong-awas-penipuan.
Mantalean, Vitorio. (2020). first-travel-akan-ajukan-pk-minta-aset-yang-dirampas-negara-dikembalikan.
Roy. (2021). Diteror Debt Collector Pinjol Ilegal, Ini Saran Bareskrim. CNBC Indonesia.
Tempo.co. (2015). bos-cipaganti-divonis-18-tahun-penjara.
Widyastuti, R. Ariyani. Yakti. (2021). Ibu Asal Wonogiri Ini Bunuh Diri Tak Kuat Ditagih Pinjol Ilegal, Respons OJK? Tempo.Co.
Woiden. (2018). Cara Mendaftarkan Aplikasi iOS Ke Apple App Store.
DOI: https://doi.org/10.36987/jiad.v11i1.3224
Refbacks
- There are currently no refbacks.
This journal is also a member of and subscribes to the principles of the Committee on Publication Ethics.Â
Â
All publications by Jurnal Ilmiah Advokasi [p-ISSN: 2337-7216] [E-ISSN: 2620-6625] is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License (CC BY - NC - SA 4.0)
Â