TINJAUAN HUKUM TERHADAP MEKANISME PENAGIHAN PINJAMAN BERBASIS PEER TO PEER LENDING DI INDONESIA

Authors

  • Siti Sya’ada Alda Risma Program Studi Sarjana Hukum, Fakultas Hukum, Universitas Mulawarman, Samarinda
  • Erna Susanti Program Studi Sarjana Hukum, Fakultas Hukum, Universitas Mulawarman, Samarinda

DOI:

https://doi.org/10.23969/jp.v11i3.67188

Keywords:

Financial Technology, Peer to Peer Lending, Mekanisme Penagihan, Kepastian Hukum, Perlindungan Debitur.

Abstract

Indonesia is a developing country undergoing rapid digital economic transformation. The emergence of Financial Technology, specifically Information Technology-Based Joint Funding Services (LPBBTI) or Peer to Peer (P2P) Lending, offers inclusive financial access. However, it also brings severe issues regarding debt collection mechanisms that are often intimidating, violate privacy rights, and disregard consumer protection principles. This study aims to analyze the legal certainty of P2P Lending debt collection mechanisms and the legal protection provided to debtors. Employing a doctrinal legal research methodology with statutory and conceptual approaches, this study examines Law No. 21 of 2011, Law No. 1 of 2024 (ITE Law Amendment), OJK Regulation No. 40/POJK.05/2024, POJK No. 22 of 2023, and SEOJK No. 19/SEOJK.06/2025. The results indicate that normatively, the legal framework for P2P Lending collection in Indonesia is comprehensively established. Nevertheless, empirically, a significant gap remains between das sollen and das sein due to weak enforcement, ineffective oversight of third-party debt collectors, and low financial literacy among consumers.

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Published

2026-09-09

Issue

Vol. 11 No. 3 (2026): Volume 11 No.3 September, 2026.

Section

Articles

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