TANTANGAN LAPS SEKTOR JASA KEUANGAN SEBAGAI ALTERNATIF PENYELESAIAN SENGKETA DI SEKTOR FINANCIAL TECHNOLOGY

Dona Budi Kharisma

Abstract


Kompleksitas produk dan layanan jasa keuangan dalam financial tecnology (fintech) berpotensi menimbulkan sengketa antara penyelenggara dengan pengguna atau konsumen. YLKI mencatat, pada tahun 2020, sektor jasa keuangan (perbankan, asuransi, leasing, fintech peer to peer lending) adalah sektor yang paling bermasalah. Oleh karenanya, sebagai rangkaian upaya perlindungan konsumen, OJK melalui POJK No. 61/POJK.07/2020 membentuk Lembaga Alternatif Penyelesaian Sengketa (LAPS) Sektor Jasa Keuangan. Namun, diperlukan identifikasi akan potensi berbagai tantangan dan kendala yang dihadapi LAPS Sektor Jasa Keuangan agar fungsi dan tugasnya dapat dijalankan secara optimal. Jenis pendekatan dalam penelitian ini adalah pendekatan perundang-undangan (statute approach). Pengumpulan data dilakukan dengan studi kepustakaan (library research). Hasil penelitian menunjukkan bahwa LAPS Sektor Jasa Keuangan memiliki berbagai tantangan, diantaranya: dualisme alternatif penyelesaian sengketa konsumen jasa keuangan antara Badan Penyelesaian Sengketa Konsumen (BPSK) dengan LAPS Sektor Jasa Keuangan, terbatasnya infrastruktur hukum, dan ketersediaan jumlah mediator dan arbiter. Mengatasi berbagai tantangan tersebut, strategi hukum yang dapat dilakukan diantaranya: (1) rekonstruksi dan harmonisasi LAPS dalam peraturan perundang-undangan; (2) penyediaan infrastruktur hukum LAPS Sektor Jasa Keuangan di seluruh wilayah Indonesia; dan (3) memformulasikan rasio potensi sengketa di setiap wilayah dengan ketersediaan jumlah mediator dan arbiter.

The The complexity of financial products and services in financial technology (fintech) has the potential to cause disputes between providers and users or consumers. YLKI noted that in 2020, the financial services sector (banking, insurance, leasing, fintech peer to peer lending) was the most problematic sector. Therefore, as a series of consumer protection efforts, OJK through POJK No. 61/POJK.07/2020 established an Alternative Dispute Resolution Institution (LAPS) for the Financial Services Sector. However, it is necessary to identify the potential challenges and obstacles faced by the Financial Services Sector LAPS so that its functions and duties can be carried out optimally. The type of approach in this research is the statute approach. Data collection is done by literature study (library research). The results show that the Financial Services Sector LAPS has various challenges, including: the dualism of alternative consumer dispute resolution for financial services between the Consumer Dispute Resolution Agency (BPSK) and the Financial Services Sector LAPS, limited legal infrastructure, and the availability of a number of mediators and arbitrators. Overcoming these challenges, legal strategies that can be carried out include: (1) reconstruction and harmonization of LAPS in laws and regulations; (2) provision of legal infrastructure for the Financial Services Sector LAPS throughout Indonesia; and (3) formulate the ratio of potential disputes in each region with the availability of the number of mediators and arbitrators.


Keywords


LAPS; fintech; alternatif penyelesaian sengketa; LAPS; fintech; alternative dispute resolution

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References


Peraturan Perundangan-undangan:

Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen.

Undang-Undang Nomor 30 Tahun 1999 tentang Arbitrase dan Alternatif Penyelesaian Sengketa.

Peraturan Otoritas Jasa Keuangan (POJK) Nomor 61 /POJK.07/2020 tentang Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan.

Buku:

Adi Sulistiyono. (2006). Mengembangkan Paradigma Non-Litigasi di Indonesia. Surakarta: UNS-Press.

Nolan-Haley. (1992). Alternative Dispute Resolution. Minnesota: ST. Paul.

Jurnal:

Al Sentot Sudarwanto and Dona Budi Kharisma. (2021). “Comparative Study of Personal Data Protection Regulations in Indonesia, Hong Kong and Malaysia”. Journal of Financial Crime. Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/JFC-09-2021-0193

Dewi Tuti Muryati dan B. Rini Heryanti. (2011). “Pengaturan dan Mekanisme Penyelesaian Sengketa Non-Litigasi di Bidang Perdagangan”. Jurnal Dinamika Sosbud. Vol. 13 No. 1, h. 50-51.

Dona Budi Kharisma. (2020). “Urgency of financial technology (Fintech) laws in Indonesia”. International Journal of Law and Management. Vol. 63 No. 3 pp. 320-331. https://doi.org/10.1108/IJLMA-08-2020-0233.

Ghansham Anand, Agus Yudha Hernoko dan Antonius Gunawan Dharmadji. (2020). “The Urgency of Enacting Personal Data Protection Law as a Patronage From The Development of Communication and Information Technology in Indonesia”. Jurnal Perspektif. Volume 25 Nomor 1 Tahun 2020 Edisi Januari, h. 54-62.

Yudho Taruna Muryanto, Dona Budi Kharisma, and Anjar Sri Ciptorukmi Nugraheni (2021). “Prospects and challenges of Islamic fintech in Indonesia: a legal viewpoint”. International Journal of Law and Management. Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/IJLMA-07-2021-0162

Internet:

Bank Indonesia (BI). “Statistik Sistem Pembayaran Bank Indonesia.” https://www.bi.go.id/id/statistik/ekonomi-keuangan/ssp/uang-elektronik-transaksi.aspx, diakses pada 26 Juli 2021.

Otoritas Jasa Keuangan (OJK). “Perkembangan Fintech Lending November 2020.” https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Documents/Statistik%20FL%20November.pdf diakses pada 16 Maret 2021.




DOI: http://dx.doi.org/10.30742/perspektif.v26i3.810

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