TINJAUAN HUKUM ISLAM TERHADAP UU NO. 8 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN BIDANG JASA LAYANAN PINJAM MEMINJAM UANG BERBASIS TEKNOLOGI INFORMASI

MINATUL CHOMISAH, NIM. 14380081 (2022) TINJAUAN HUKUM ISLAM TERHADAP UU NO. 8 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN BIDANG JASA LAYANAN PINJAM MEMINJAM UANG BERBASIS TEKNOLOGI INFORMASI. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

In the era of digital economi development, the community continues to develop innovations in service provision in lending and borrowing activities, one of which is characterized by the emergence of information technology-based money lending service or better known as Peer to Peer Lending. Poor financial management of technology is relatively new in Indonesia, allowing many people who still feel unfamiliar with information technology-based money lending transactions. In this case it can problems, including legal protection for users to Peer to Peer Lending and many other problems. Consumer protection regulations have been regulated in law No. 8 of 1995 concerning Consumer Protection, but this is still not effective in carrying out its role. Indonesian Banks and Otoritas Jasa Keuangan have recognized the existence of Peer to Peer Lending by issuing one of the rules stipulated in Peraturan Jasa Keuangan No. 77/POJK.01/2016 concerning Information Technology-Based Money Lending Services. But the regulation needs to be reviewed because there are still shortcomings or things that have not been regulated in it. This research is normative juridical research, namely research focused on examining the application of rules of norms or norms of legal norms in positive law and Islamic law with the type of library research. So that is study is descriptive analytical, namely explaining or giving a general description of the positive legal views and Islamic law on Consumer Protection in Information Technology-Based Money Lending and Borrowing Services or Peer to Peer Lending. Analysis in deductive is a way of thinking based on general theory and general rules. The conclusion of the thesis research is that the users (consumers) must be more protected in carrying out all activities involving financial technology, lending and in conducting Peer to Peer Lending practices to ensure legal certainty in accordance with prevailing laws and rgulations in Indonesia and the role of OJK in regulating and supervising the development of fintech must be emphasized in applying regulations to the actual facts

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