Abstract
Peer to peer lending has developed into a new investment measure providing solution for middle and small business enterprises in Indonesia, i.e., to obtain loan without collateral. However, the business enterprise providing the platform for peer to peer lending (websites or other apps), connecting would be lenders and borrowers, almost always puts into the service agreement a disclaimer stating that it would not be held liable in case of default. Using a juridical dogmatic approach, the author discusses the existence of such disclaimers from the viewpoint of consumer protection. The main argument put forward here is that the business enterprise providing this service cannot and should not shy away from bearing responsibility in protecting the consumer, i.e. those that provide loans.
Highlights
Abstrak Peer to peer lending berkembang di Indonesia sebagai salah satu instrumen investasi baru sekaligus solusi pinjaman dana tanpa agunan, terutama bagi pelaku usaha kecil dan menengah
Dengan menggunakan metoda yuridis dogmatis, akan menelaah peer to peer lending dari sudut pandang perlindungan konsumen
“Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi adalah penyelenggaraan layanan jasa keuangan untuk mempertemukan pemberi pinjaman dengan penerima pinjaman dalam rangka melakukan perjanjian pinjam meminjam dalam mata uang rupiah secara langsung melalui sistem elektronik dengan menggunakan jaringan internet.”
Summary
Abstrak Peer to peer lending berkembang di Indonesia sebagai salah satu instrumen investasi baru sekaligus solusi pinjaman dana tanpa agunan, terutama bagi pelaku usaha kecil dan menengah. Ditenggarai bahwa penyelenggara peer to peer lending yang mempertemukan pemberi pinjaman dan penerima pinjaman lewat website maupun aplikasi selalu menambahkan ketentuan disclaimer, yaitu bahwa badan usaha atau penyelenggara tidak bertanggung jawab dalam resiko gagal bayar penerima pinjaman.
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