UPAYA OTORITAS JASA KEUANGAN DALAM MENGATASI PINJAMAN ONLINE ILEGAL YANG TERJADI DI MASYARAKAT

Abstrak

This paper discusses the role of the Financial Services Authority Financial Services Authority (OJK) in handling and overcoming illegal online lending practices that are rampant in the community. practices that are rampant in the community. Online lending is a breakthrough in the financial sector that provides financial assistance from financial service institutions through online platforms or electronic networks. through an online platform or electronic network. This allows the public to access it through electronic devices such as computers. However, in practice practice, illegal online loans are often found with involving debt collectors who pose threats and pressure to online loan users who have not reached maturity. Therefore, government must act decisively in eradicating the practice of illegal online lending. practice. This research uses a normative juridical method with a focus on the analysis of legal materials, including regulations and statutory norms. analysis of legal materials, including regulations and statutory norms that are still effective today. that are still effective today. The main focus of the research is to identify regulations related to the practice of online lending through peer to peer lending platform in Indonesia. In addition, the role of the Financial Services Authority (OJK) in providing protection to Financial Services Authority (OJK)'s role in providing protection to consumers in the context of fintech peer to peer activities or online lending through information technology in Indonesia will also be outlined. in Indonesia will also be outlined.