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

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.