Regulation of Sharia Information Technology-Based Peer-To-Peer Financing Services in POJK No. 10/POJK.05/2022


Afif Noor(1*), Dwi Wulandari(2)

(1) Faculty of Sharia and Law Universitas Islam Negeri Walisongo Semarang, Indonesia
(2) Faculty of Humanities Universitas Diponegoro Semarang, Indonesia
(*) Corresponding Author

Abstract


The regulation of Sharia Information Technology-Based Peer to Peer Financing Services (LPBBTI) is essential for its operational and supportive role in creating a prudent Sharia LPBBTI ecosystem. In July 2022, the Financial Services Authority issued a new regulation, Financial Services Authority Regulation No. 10/POJK.05/2022, which replaced the previous one. This research analyses the legal relationship, operational procedures, and protection of Sharia LPBBTI users under the latest regulation. The study applied normative juridical research and used relevant legal materials obtained through document studies. The findings reveal that POJK No. 10/2022 regulates the legal relationships between parties and protects service users but does not restrict the relationship between recipients and organisers of Sharia LPBBTI. Additionally, the regulation does not provide alternative dispute resolution mechanisms outside the court and only applies to licensed Sharia LPBBTI operators, leaving illegal operators outside its scope.

Pengaturan Layanan Pembiayaan Bersama Berbasis Teknologi Informasi Syariah (LPBBTI) sangat signifikan sebagai pijakan operasional dan untuk mendukung ekosistem LPBBTI syariah yang prudent. Pada bulan Juli 2022, Otoritas Jasa Keuangan menerbitkan Peraturan Otoritas Jasa Keuangan (POJK) No. 10/POJK.05/2022 yang menggantikan POJK No. 77/POJK.01/2016. Fokus kajian dalam studi ini adalah bagaimana hubungan hukum, operasional, dan perlindungan hukum pengguna LPBBTI syariah diatur dalam peraturan terbaru tersebut? Penelitian ini tergolong dalam penelitian yuridis normatif dengan meng­guna­kan data sekunder yang dilakukan melalui studi dokumen. Dari hasil analisis kualitatif meng­hasilkan temuan bahwa POJK No. 10 Tahun 2022 telah mengatur hubungan hukum para pihak tetapi tidak mengatur hubungan hukum antara penerima dana dengan penye­leng­gara LPBBTI syariah. Adapun beberapa hak pengguna layanan diatur sebagai bentuk per­lindungan hukum. Namun di sisi lain, POJK No. 10 Tahun 2022 tidak menyediakan alternatif penyelesaian sengketa di luar pengadilan. Aturan yang terdapat dalam POJK No. 10 Tahun 2022 bersifat teknis dan hanya mengatur penyelenggara LPBBTI syariah yang resmi, sehingga tidak mencakup penyelenggara LPBBTI ilegal.


Keywords


Legal Protection; Regulation, Agreement; Sharia Compliance; Sharia Peer-to-Peer Financing Services.

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DOI: https://doi.org/10.15575/adliya.v17i1.21887

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