Implementasi Kebijakan Moratorium Fintech Peer- to-Peer Lending Terhadap Perlindungan Konsumen
Authors: Nurhaliza Aisyah , Haryanto Imam 
Published: January 2025

<p><em>This research aims to analyze the implementation of </em><em>the Peer-to-Peer (P2P) Lending Moratorium policy on consumer protection in Indonesia, especially regarding aggressive billing practices by P2P lendin</em><em>g companies. </em><em>Advances in digital technology have made it easier to access financial services through fintech, however, </em><em>aggressive collection practices by legal P2P lending companies show a weakness in the existing regulations.</em><em> This issue must be important to ensure that the principles of consumer protection are fulfilled. In cases of aggressive billing practices, consumers not only suffer financial consequences but also emotional pressure </em><em>which can lead to tragic outcomes</em><em>. Normative juridical methods were used in this research by using a statutory and case approach to evaluate the impact of the moratorium and new regulations such as POJK No. 10/POJK.05/2022 and other regulations to increase consumer protection. </em><em>The innovation in this research </em><em>shows that the moratorium has succeeded </em><em>reduced the influx of illegal P2P lending companies and strengthened oversight by eliminating some P2P lenders</em><em>. However, </em><em>aggressive billing issues still require a significant concern because the number of complaints received by the OJK continues to increase. The research </em><em>findings indicate that the </em><em>P2P Lending moratorium policy </em><em>has positively affected the fintech lending industry by improving operational standards.</em><em> However, new regulations are needed that apply comprehensively and have permanent legal force in the form of laws that specifically regulate Fintech P2P Lending. These regulations must be accompanied by strict sanctions to ensure more effective consumer protection.</em></p><p align="center"> </p><p>Penelitian ini ditujukan untuk menganalisis implementasi kebijakan Moratorium <em>Peer-to-Peer</em> (P2P) <em>Lending</em> terhadap perlindungan konsumen di Indonesia, khususnya berkaitan dengan penagihan agresif oleh Penyelenggara P2P <em>lending</em>. Kemajuan teknologi digital telah mempermudah akses layanan keuangan melalui <em>fintech</em>, tetapi praktik penagihan agresif oleh perusahaan P2P <em>lending legal</em> menunjukkan adanya kelemahan pada regulasi yang berlaku. Masalah ini menjadi penting untuk memastikan terpenuhinya prinsip-prinsip perlindungan konsumen. Pada kasus penagihan agresif, konsumen tidak hanya menghadapi konsekuensi finansial tetapi juga tekanan emosional hingga menghilangkan nyawanya. Metode yuridis normatif digunakan pada penelitian ini melalui pendekatan perundang-undangan dan kasus untuk mengevaluasi dampak moratorium dan regulasi baru seperti POJK No. 10/POJK.05/2022 serta regulasi lainnya dalam meningkatkan perlindungan konsumen. Pembaharuan dalam penelitian ini menunjukan bahwa moratorium telah berhasil menutup laju masuknya perusahaan P2P <em>Lending Ilegal</em> dan memperkuat pengawasan dengan mengeliminasi perusahaan P2P <em>Lending</em>. Namun, masalah penagihan agresif perlu menjadi perhatian khusus karena jumlah aduan yang diterima OJK terus meningkat. Hasil penelitian menunjukkan kebijakan moratorium P2P <em>Lending</em> memberikan dampak positif bagi industri <em>fintech </em>dengan meningkatkan standar operasional. Diperlukan regulasi baru yang berlaku secara menyuluruh dan berkekuatan hukum tetap berbentuk undang-undang yang khusus mengatur terkait <em>Fintech</em> P2P <em>Lending</em>. Regulasi tersebut harus disertai dengan sanksi yang tegas untuk memastikan perlindungan konsumen yang lebih efektif.</p><p> </p>