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primary topic: ANALISIS HUKUM PENYELESAIAN KREDIT MACET DALAM SISTEM PEMBAYARAN PEER TO PEER LENDING (P2P)

ANALISIS HUKUM PENYELESAIAN KREDIT MACET DALAM SISTEM PEMBAYARAN PEER TO PEER LENDING (P2P)
type: Thesis
type: Article
abstract: The Peer-to-Peer (P2P) lending system, as one of the innovations in digital finance, provides easier access to loans for the public. However, this convenience also creates the problem of non-performing loans, which has become a serious challenge for providers, borrowers, and lenders. This study aims to analyze the legal aspects of resolving non-performing loans in the P2P lending system in Indonesia and to examine the effectiveness of legal protection for the parties involved. This research employs a qualitative approach with a normative juridical method. The choice of this method is based on the research objective, which focuses on analyzing applicable legal rules, making the statutory and doctrinal approaches more relevant. In addition, this study is complemented by case studies on several P2P lending platforms registered with the Financial Services Authority (OJK) to provide an empirical description of the practices in resolving non-performing loans. Data were collected through interviews, direct observations, and documentation of the research objects, and then analyzed descriptively to illustrate the relationship between the prevailing legal provisions and their implementation in practice. The findings indicate that based on OJK Circular Letter Number 19/SEOJK.06/2023, providers are required to conduct debt collection independently, although they may appoint third parties to assist in the collection process. In the event of a payment dispute or loan default, resolution can be pursued through litigation. This study also finds that strengthening the legal framework, enhancing transparency, and establishing more effective dispute resolution mechanisms are necessary to protect creditors’ rights. Moreover, the application of the 3R principles (Restructure, Rescheduling, Reconditioning) and the 5C principles (Character, Capacity, Capital, Collateral, Condition) has not been fully implemented by fintech companies. Although POJK No. 10/POJK.05/2022 regulates the mechani…
date: 2025-08-14
status: published
author list: authors
type: EPrint
type: ThesisEPrint
is part of: repository
has document: ANALISIS HUKUM PENYELESAIAN KREDIT MACET DALAM SISTEM PEMBAYARAN PEER TO PEER LENDING (P2P) (Text)
has version: ANALISIS HUKUM PENYELESAIAN KREDIT MACET DALAM SISTEM PEMBAYARAN PEER TO PEER LENDING (P2P) (Text)
has published: ANALISIS HUKUM PENYELESAIAN KREDIT MACET DALAM SISTEM PEMBAYARAN PEER TO PEER LENDING (P2P) (Text)
subject: 340 Ilmu Hukum

ANALISIS HUKUM PENYELESAIAN KREDIT MACET DALAM SISTEM PEMBAYARAN PEER TO PEER LENDING (P2P) (Text)
type: Document
has file: 21103040147_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
has part: 21103040147_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf

ANALISIS HUKUM PENYELESAIAN KREDIT MACET DALAM SISTEM PEMBAYARAN PEER TO PEER LENDING (P2P) (Text)
type: Document

UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

FAKULTAS ILMU SOSIAL DAN HUMANIORA, UIN SUNAN KALIJAGA YOGYAKARTA
type: Organization

NIM.: 21103040147 Reyhan Adriyan Maulana
type: Person
given name: NIM.: 21103040147
family name: Reyhan Adriyan Maulana

HTML Summary of #76553 ANALISIS HUKUM PENYELESAIAN KREDIT MACET DALAM SISTEM PEMBAYARAN PEER TO PEER LENDING (P2P)
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primary topic: ANALISIS HUKUM PENYELESAIAN KREDIT MACET DALAM SISTEM PEMBAYARAN PEER TO PEER LENDING (P2P)

340 Ilmu Hukum
type: Concept