ANALISIS PENYELESAIAN SENGKETA FINTECH MENGGUNAKAN BPSK DAN LAPS DI INDONESIA
Abstract
Abstrak
Penelitian ini bertujuan untuk mengetahui efesiensi antara (BPSK) Badan Penyelesaian Sengketa Konsumen dan (LAPS) Lembaga Alaternatif Penyelesaian Sengketa dan dalam proses penyelesaiannya apakah terdapat dualisme dalam penyelesaian sengketa pada bisnis fintech dengan jalur non-litigasi, metode penelitian ini menggunakan penelitian kualitatif dengan pendekatan hukum normatif, hasil penelitian menunjukkan bahwa terdapat kemiripan fungsi dan efesiensi antara BPSK dan LAPS dalam penyelesaian sengketa disektor bisnis fintech, kedua lembaga tersebut memiliki fungsi sebagai badan penerima keluhan dan permohonan terkait dengan perselisihan antara pemilik usaha dan konsumen. Dengan kemiripan fungsi antara BPSK dan LAPS menimbulkan kebingungan oleh konsumen jika ingin melakukan gugatan terhadap pelaku usaha, hal demikian dapat menimbulkan dualisme dalam peroses penyelesaian sengketa dan tidak adanya ketegasan Undang-Undang dalam mengatur hal tersebut.
Kata kunci : Sengketa, BPSK dan LAPS.
Abstract
This study aims to determine the efficiency between (BPSK) Consumer Dispute Resolution Agency and (LAPS) Alternative Dispute Resolution Institution and in the settlement process whether there is dualism in dispute resolution in the fintech business with non-litigation channels, this research method uses qualitative research with a normative legal approach, the results show that there are similarities in function and efficiency between BPSK and LAPS in dispute resolution in the fintech business sector, both institutions have a function as a receiving body for complaints and requests related to disputes between business owners and consumers. With the similarity of functions between BPSK and LAPS creates confusion by consumers if they want to file a lawsuit against business actors, this can lead to dualism in the dispute resolution process and the absence of firmness of the Law in regulating this matter.
Keywords : Dispute, BPSK and LAPS.
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