Aziza, Azmy (2025) Peran Otoritas Jasa Keuangan (ojk) Dalam Memberikan Perlindungan Hukum Terhadap Pengguna Pinjaman Online di Kota Pekanbaru (studi Ojk Pekanbaru). Other thesis, Universitas Islam Riau.

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Abstract

Along with the emergence of various financial services, Indonesia's financial services industry is currently growing rapidly. Financial Technology (fintech) is designed to fulfill financial needs and make it easier because it saves time and can be accessed anywhere. The existence of online loans is a fintech development that greatly facilitates borrowers. Based on Law No. 21 of 2011, the Financial Services Authority (OJK) is responsible for overseeing the financial services industry in Indonesia. OJK manages the comprehensive regulation and supervision of all activities in the sector. As for this research has the main problems that will be discussed, namely: how the role of the Financial Services Authority in providing legal protection to online loan users in Pekanbaru City, and secondly what are the obstacles received by the Financial Services Authority in supervising online loans in Pekanbaru City and the purpose of this research is to find out the results of the formulation of problems made by researchers. This legal research is a type of survey research (Observational Research). This type of research method is intended to solve current problems by collecting data and compiling or clarifying it and then analyzing and seeing a legal reality in society to then obtain a result. The results of the research obtained by the author are the role of the Financial Services Authority in providing legal protection to online loan users must still be optimized and the obstacles received by the Financial Services Authority in supervising online loans, namely the number of unregistered and unlicensed online loans that operate, causing victims. P2PLending organizers must pay attention to the provisions in POJK Number 10 / POJK.05 / 2022 concerning Information Technology-Based Money Lending and Borrowing Services.

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