<> "The repository administrator has not yet configured an RDF license."^^ . <> . . . "KONSEKUENSI KEDUDUKAN HUBUNGAN HUKUM FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING YANG DINYATAKAN TIDAK BERIZIN OLEH OJK (STUDI DI YOGYAKARTA)"^^ . "The emergence of Peer to Peer Lending based Financial Technology\r\n(FinTech) services procedurally offers faster and easier access without the need to\r\nvisit banks or credit service offices. However, there are drawbacks such as service\r\nproviders operating without proper authorization, the possibility of default risks\r\nfrom fund recipients, and legal status risks for unlicensed OJK services. Thus,\r\nthere are two main issues addressed: First, the legal consequences of\r\nrelationships in unlicensed OJK Peer to Peer Lending-based FinTech. Second, the\r\nlegal protection efforts that can be undertaken by parties involved in unlicensed\r\nOJK Peer to Peer Lending-based FinTech in the Yogyakarta region.\r\nThis research employs a normative empirical legal research method using\r\nliterature studies that examine the theory of contractual legal relationships, legal\r\nprotection theory, and consumer protection theory, utilizing a legislative\r\nregulation approach. The research data sources include primary legal materials\r\nsuch as laws and regulations, secondary legal materials like interviews, books,\r\narticles, and scholarly works, and tertiary legal materials from encyclopedias or\r\ninternet sources.\r\nThe results of this research indicate that, the existence of the Civil Code\r\n(KUH Perdata) cannot be disregarded by parties involved in bilateral agreements\r\nbetween fund providers and recipients in unlicensed OJK Peer to Peer Lending\r\nbased FinTech. Based on Article 1320 of the Civil Code, agreements in such cases\r\nare deemed invalid. The requirements of capacity and a legitimate cause are not\r\nfulfilled because the services provided by the providers are not registered and do\r\nnot have authorization from OJK, as stipulated in OJK Regulation No.\r\n10/POJK.05/2022 concerning Information Technology-based Joint Funding\r\nServices. Legal protection that can be undertaken by parties involved in\r\nunlicensed OJK Peer-to-Peer Lending-based FinTech includes preventive legal\r\nprotection through understanding industry risks and opportunities through\r\nfinancial literacy education and financial inclusion, aiding consumers in\r\nunderstanding potential financial, legal, and privacy risks. Repressive legal\r\nprotection is through the issuance of Law No. 4 of 2023 concerning the\r\nDevelopment and Strengthening of the Financial Sector, serving as the basis for\r\nOJK to enforce criminal sanctions against unlicensed financial service business\r\noperators, and the Financial Services Authority Regulation No. 22 of 2023\r\nconcerning Consumer and Public Protection in the Financial Services Sector,\r\nstrengthening OJK's authority in civil lawsuits."^^ . "2024-01-31" . . . . "UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . "FAKULTAS SYARI’AH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . . . . . . . "NIM.: 20103040056"^^ . "Rifka Assyifa Kamala"^^ . "NIM.: 20103040056 Rifka Assyifa Kamala"^^ . . . . . . "KONSEKUENSI KEDUDUKAN HUBUNGAN HUKUM FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING YANG DINYATAKAN TIDAK BERIZIN OLEH OJK (STUDI DI YOGYAKARTA) (Text)"^^ . . . . . "20103040056_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf"^^ . . . "KONSEKUENSI KEDUDUKAN HUBUNGAN HUKUM FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING YANG DINYATAKAN TIDAK BERIZIN OLEH OJK (STUDI DI YOGYAKARTA) (Text)"^^ . . . . . "KONSEKUENSI KEDUDUKAN HUBUNGAN HUKUM FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING YANG DINYATAKAN TIDAK BERIZIN OLEH OJK (STUDI DI YOGYAKARTA) (Other)"^^ . . . . . . "KONSEKUENSI KEDUDUKAN HUBUNGAN HUKUM FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING YANG DINYATAKAN TIDAK BERIZIN OLEH OJK (STUDI DI YOGYAKARTA) (Other)"^^ . . . . . . "KONSEKUENSI KEDUDUKAN HUBUNGAN HUKUM FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING YANG DINYATAKAN TIDAK BERIZIN OLEH OJK (STUDI DI YOGYAKARTA) (Other)"^^ . . . . . . "KONSEKUENSI KEDUDUKAN HUBUNGAN HUKUM FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING YANG DINYATAKAN TIDAK BERIZIN OLEH OJK (STUDI DI YOGYAKARTA) (Other)"^^ . . . . . . "KONSEKUENSI KEDUDUKAN HUBUNGAN HUKUM FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING YANG DINYATAKAN TIDAK BERIZIN OLEH OJK (STUDI DI YOGYAKARTA) (Other)"^^ . . . . . . "lightbox.jpg"^^ . . . "KONSEKUENSI KEDUDUKAN HUBUNGAN HUKUM FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING YANG DINYATAKAN TIDAK BERIZIN OLEH OJK (STUDI DI YOGYAKARTA) (Other)"^^ . . . . . . "preview.jpg"^^ . . . "KONSEKUENSI KEDUDUKAN HUBUNGAN HUKUM FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING YANG DINYATAKAN TIDAK BERIZIN OLEH OJK (STUDI DI YOGYAKARTA) (Other)"^^ . . . . . . "medium.jpg"^^ . . . "KONSEKUENSI KEDUDUKAN HUBUNGAN HUKUM FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING YANG DINYATAKAN TIDAK BERIZIN OLEH OJK (STUDI DI YOGYAKARTA) (Other)"^^ . . . . . . "small.jpg"^^ . . "HTML Summary of #65005 \n\nKONSEKUENSI KEDUDUKAN HUBUNGAN HUKUM FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING YANG DINYATAKAN TIDAK BERIZIN OLEH OJK (STUDI DI YOGYAKARTA)\n\n" . "text/html" . . . "Ilmu Hukum" . .