Desvinawati, Ria (2023) Peran Otoritas Jasa Keuangan Dalam Menangani Permasalahan Layanan Pinjaman Uang Illegal (studi Kasus Lembaga Keuangan Non Bank Fintech) Di Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Lending and borrowing activities arise because of the very high demand. With the existence of technology, financial technology was born, which is the result of a combination of financial services and technology that ultimately changes the business model from conventional to moderate. In this study there is a basic problem: How is the role of the financial services authority in dealing with the problem of information technology-based illegal money lending services and how is the impact of the use of technologybased money lending. This legal research is a type of survey research (Observational Research). This type of research method is intended to solve existing problems by collecting data and compiling or clarifying it so as to analyze and see a legal reality in society to then obtain a result. The results of the research that the author obtained: First, OJK in addition to the authority to supervise and regulate the financial services industry, OJK is also authorized to protect the public in supervising illegal online loan companies OJK is mandated to carry out duties as chairman and secretariat of SWI, in this case OJK cooperates with banks to block illegal online loan accounts, prohibits the Financial Services Industry from facilitating illegal online loans and expanding education to the public. Second, technology-based money lending can have a good impact on users with mechanisms that make it easier for the community and can reach remote locations including those not yet reached by banks. Registered and licensed P2P lending fintechs still often cause adverse impacts, but illegal P2P fintechs that do not comply with OJK and government regulations dominate violations in terms of data security, consumer protection, high interest rates, intimidating collection procedures, so that many consumers are harmed.

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