PERLINDUNGAN HUKUM BAGI PEMINJAM MODAL KETIKA MENGALAMI KEBANGKRUTAN DALAM FINTECH MENURUT PERATURAN OTORITAS JASA KUANGAN NO.77/PJOK.01/2016
Abstract
Abstrak
Perusahaan fintech syariah yang berkembang pesat di Indonesia menawarkan banyak kemudahan bagi penggunanya, tetapi juga memiliki risiko yang perlu diperhatikan. Salah satu potensi bahaya adalah kegagalan. Perkembangan fintech lending syariah terus menggeliat yang menyasar masyarakat Muslim. Akan tetapi, penyelenggaraan fintech lending syariah di Indonesia masih berkiblat kepada peraturan fintech konvensional sehingga berpotensi terjadi penyimpangan dalam hal kepatuhan syariah (sharia compliance) dan dapat memberikan celah bagi penyelenggara untuk melakukan berbagai penyimpangan yang merugikan pengguna layanan. Penelitian ini bertujuan untuk mendeskripsikan penyelesaian terhadap risiko gagal bayar oleh peminjam pada modal fintech syariah dan perlindungan hukum bagi peminjam modal ketika usahanya mengalami kebangkrutan.
Kata Kunci : Fintech Syariah, Risiko gagal bayar, Perlindungan hukum
Abstract
Islamic fintech companies that are growing rapidly in Indonesia offer many conveniences for their users, but they also come with risks that need to be considered. One potential danger is failure. The development of sharia fintech lending continues to grow, targeting the Muslim community. However, the implementation of sharia fintech lending in Indonesia is still oriented towards conventional fintech regulations so that there are potential deviations in terms of sharia compliance and can provide a gap for organizers to commit various irregularities that harm service users. This study aims to describe the resolution of the risk of default by borrowers on sharia fintech capital and legal protection for capital borrowers when their business goes bankrupt.
Keywords: Sharia Fintech, Risk of default, Legal protection
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