Penanganan TerhadaP Financial Technology Peer-To-Peer lending Ilegal MelaluI OTOrITas Jasa Keuangan (studi Pada OJK Jakarta Pusat)

Abstract

abstract This article aims to examine the role of Otoritas Jasa Keuangan (OJK) in handling illegal peer-to-peer (P2P) financial technology (fintech) in Indonesia. This role includes the handling carried out by the FSA to minimize the number of illegal fintech in Indonesia, both through supervision and arrangements related to illegal fintech. This type of empirical legal research, is descriptive, with primary data types. Literature study and interview data collection techniques, qualitative analysis techniques. Factors causing the rise of illegal fintech are normative and non-normative factors. Then the role of the OJK in making efforts to handle illegal P2P lending includes establishing Satgas Waspada Investasi, listing registered P2P lending and licensed on the official OJK website, socializing to the public about the characteristics of illegal P2P lending that must be avoided and data of illegal P2P lending in Indonesia, closing illegal P2P lending, blocking applications and illegal P2P lending websites on a regular basis, conducting selective checks on P2P lending companies that propose opening new accounts, applying special rules for P2P lending companies related to the fintech payment system , and submit information reports to the Criminal Investigation Police regarding cyber crime. Keywords: Otoritas Jasa Keuangan; Illegal Fintech; Peer-to-Peer abstrak Artikel ini bertujuan untuk mengkaji peranan Otoritas Jasa Keuangan (OJK) dalam menangani financial technology (fintech) peer-to-peer (P2P) lending ilegal di Indonesia. Peranan tersebut meliputi penanganan yang dilakukan OJK untuk meminimalisir jumlah fintech ilegal di Indonesia, baik melalui pengawasan maupun pengaturan terkait fintech ilegal. Jenis penelitian hukum empiris, bersifat deskriptif, dengan jenis data primer. Teknik pengumpulan data studi kepustakaan dan wawancara, teknik analisis kualitatif. Faktor penyebab tumbuh maraknya fintech ilegal adalah adanya faktor normatif dan non-normatif. Kemudian peranan OJK dalam melakukan upaya penanganan P2P lending ilegal antara lain dengan membentuk Satgas Waspada Investasi, mencantumkan daftar P2P lending yang terdaftar dan berizin di website resmi OJK, mensosialisasikan kepada masyarakat terkait ciri-ciri P2P lending ilegal yang harus dihindari dan data P2P lending ilegal di Indonesia, melakukan penutupan terhadap P2P lending ilegal, pemblokiran aplikasi dan website P2P lending ilegal secara rutin, melakukan pemeriksaan secara selektif bagi perusahaan P2P lending yang mengajukan pembukaan rekening baru, memberlakukan aturan khusus bagi perusahaan P2P lending terkait fintech payment system, dan menyampaikan laporan informasi kepada Bareskrim Polri terkait tindakan cyber crime. Kata Kunci: Otoritas Jasa Keuangan; Fintech Ilegal; Peer-to-Peer Lending

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