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Perlindungan Konsumen Terhadap Jeratan Pinjaman Online di Masa Pandemi Covid 19
Corresponding Author(s) : Megawati Simanjuntak
Policy Brief Pertanian, Kelautan, dan Biosains Tropika,
Vol. 4 No. 1 (2022): Policy Brief Pertanian, Kelautan dan Biosains Tropika
Abstract
Pinjaman online (Pinjol) merupakan layanan pinjam meminjam berbasis teknologi informasi yang dilakukan secara online tanpa perlu tatap muka. Cara ini memberikan kemudahan dan kecepatan dalam proses pengajuan kredit. Pinjaman online yang mudah dan cepat dibandingkan dengan lembaga keuangan lainnya, menin gkat di masa Pandemi Covid 19. Berbagai permasalahan muncul karena kurangnya ketersediaan peraturan dan kebijakan yang menekankan kewajiban dan sanksi bagi pelaku usaha P2P Lending dan literasi konsumen yang rendah. Dalam upaya mewujudkan perlindungan konsumen jasa pinjaman online, berbagai pihak seperti Otoritas Jasa Keuangan (OJK), Satgas Waspada Investasi (SWI), Kementerian Komunikasi dan Informatika serta Bareskrim perlu berkoordinasi. Perlu pembuatan aturan yang lebih rinci, pengawasan P2P Lending legal dan ilegal lebih ketat, sosialisasi dan penindakan P2P Lending ilegal, penyebarluasan informasi tentang P2P Lending legal secara efektif dan masif; dan aturan yang tegas kepada pelaku usaha P2P Lending ilegal agar dalam melakukan penagihan wajib menerap kan etika bisnis dan prinsip humanisme.
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