Analisis Hukum Perlindungan Konsumen dalam Layanan Teknologi Keuangan Peer-to-Peer Lending berdasarkan POJK Nomor 10/POJK.05/2022 di Indonesia
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Abstract
Studi ini mengkaji mekanisme perlindungan konsumen dalam layanan teknologi keuangan peer-to-peer (P2P) lending di Indonesia, dengan fokus pada kerangka regulasi yang diatur dalam POJK No. 10/POJK.05/2022 yang diterbitkan oleh Otoritas Jasa Keuangan (OJK). Dengan menggunakan analisis hukum normatif, makalah ini mengevaluasi sejauh mana regulasi tersebut melindungi hak-hak konsumen di sektor fintech yang berkembang pesat. Analisis ini mencakup aspek-aspek utama perlindungan konsumen, termasuk transparansi, privasi data, penyelesaian sengketa, dan efektivitas penegakan hukum. Temuan menunjukkan bahwa meskipun peraturan tersebut menawarkan perlindungan yang komprehensif, tantangan tetap ada dalam implementasinya, terutama di bidang penegakan hukum, pengawasan, dan pendidikan konsumen. Studi ini menyoroti kebutuhan akan koordinasi yang lebih baik antara lembaga pengawas, sanksi yang lebih tegas terhadap platform ilegal, dan upaya yang lebih besar untuk meningkatkan kesadaran konsumen. Penelitian ini berkontribusi pada pengembangan kerangka kerja perlindungan konsumen yang lebih kokoh dalam ekosistem fintech Indonesia.
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