Problem Pinjaman Online di Indonesia: Tinjauan Sosiologi Hukum dan Hukum Syaria

Moh Rifqi Zamzami

doi:10.3342/jursih.v1i1.17

Penulis

Moh Rifqi Zamzami Universitas Pembangunan Nasional Veteran Jawa Timur

DOI:

https://doi.org/10.3342/jursih.v1i1.17

Kata Kunci:

Problem, Loan, Technology, Government

Abstrak

Technology seems to be very sophisticated at this time, and anyone can gain access to all the

human needs that are required, beginning with food, and ending with finance. Many citizens take advantage of this opportunity to start a financial loan industry. Online loans are one of the businesses that can make people easily get money without having to work hard with just enough online based smartphone and easy terms they can get cash immediately. However, because the portion of the claim is not proportional to the amount loaned, this business might indeed render them useless. The aim of the research is to provide an overview of the implementation of online lending and borrowing services, as well as an overview of the positive and negative impacts of online loans. An empirical juridical legal research method was used in this study. The findings of this study are constituted in Article 1 paragraph 3 of the Financial Services Authority Regulation number 77 of 2016, which is a credit and lending protection. It's also desired that this will provide the public with a clear picture of the importance of understanding how to loan and withdraw electronically.

Referensi

Chrisinta, Intan Vaudya, dan I Gusti Ngurah Parwata (2020). in Kertha Semaya : Journal Ilmu Hukum; Vol 8 No 4; 592-607

Fadhliyah, Nurul dan Ahmad Musyahid. (2020) in Qadauna: Jurnal Ilmiah Mahasiswa Hukum Keluarga Islam; Vol 1. Istiqamah. (2019). in Jurisprudentie : Jurusan Ilmu Hukum Fakultas Syariah dan Hukum; Vol 6, No 2 (2019).

Jawa Tengah.go.id Jateng tertibkan puluhan pinjol ilegal. Tersedia secara online melalui https://jatengprov.go.id/beritaopd/jateng-tertibkan-puluhan-pinjol-ilegal/ diakses pada 10 Nopember 2021.

Khosia’ah siah, Fiqh Muamalah perbandingan, (Bandung:pustaka setia,2014).

Kompas. Banyak Masyarakat Terjerat bunga tinggi pinjol. Tersedia secara online https://money.kompas.com/read/2021/10/11/114458926/banyak- masyarakat- terjerat-bunga-tinggi-pinjol-ini-perintah-jokowi-ke-ojk diakses pada 12 November 2021.

Manan, Muhammad Abdul Teori dan Praktik Ekonomi Islam, (Yogyakarta:Dana Bakti Wakaf),1995.

Mubarok, Atus Ludin. “praktik pinjam meminjam uang dalam perspektif hukum islam”, jurnal Hukum Islam,2(2019).

Setiani, D. D., Nivanty, H., Lutfiah, W., & Rahmawati, L. (2020). Fintech syariah: manfaat serta problematika penerapan di UMKM. Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 5(1).

Soekanto, Soerjono. 2007, Pengantar Penelitian Hukum, UII Press, Jakarta.

Triasih, D., Muryati, D. T., & Nuswanto, A. H. (2021, August). Perlindungan Hukum Bagi Konsumen dalam Perjanjian Pinjaman Online. In Seminar Nasional Hukum Universitas Negeri Semarang (Vol. 7, No. 2, pp. 591-608).

Otoritas Jasa Keuangan (OJK) , “Siaran Pers: Satgas Waspada Investasi Tutup 126 Fintech Lending Ilegal dan 32 Investasi Tanpa Izin,” https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Siaran-Pers-

Satgas-Waspada-Investasi-Tutup-126-Fintech-Lending-Ilegal-dan-32-Investasi- Tanpa-Izin-. diakses pada 13 Nopember 2021.

Peraturan Otoritas Jasa Keuangan No.77/POJK.01/2016 tentang layanan pinjam meminjam teknologi informasi.

Pratama, R. R., & Hidayatullah, M. S. (2021). Penanganan Angsuran Tertunggak Di Koperasi Syariah Arrahmah Banjarmasin dalam Tinjauan Sosiologi Hukukm Islam. Muamalatuna, 12(2), 50-75.