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primary topic: Studi Komparasi Perlindungan Konsumen Dalam Layanan Fintech Peer To Peer Lending Di Indonesia Dan Singapura

Studi Komparasi Perlindungan Konsumen Dalam Layanan Fintech Peer To Peer Lending Di Indonesia Dan Singapura
type: Thesis
type: Article
abstract: Abstract The development of Financial Technology (Fintech) services, particularly Peer-to-Peer Lending, has expanded public access to financing and encouraged financial inclusion. However, behind its positive impact, various legal issues have emerged that weaken consumer protection, such as high and non-transparent loan interest rates, misuse of personal data, unethical debt collection practices, and the proliferation of illegal fintech platforms. This condition illustrates that Indonesia's regulatory framework has not been fully able to provide legal certainty and balanced protection for fintech peer-to-peer lending consumers, and even has the potential to create systemic risks for the digital financial services industry. This research aims to analyze consumer protection in Peer-to-Peer Lending fintech services in Indonesia and Singapore, as well as to formulate a reconstruction of consumer protection regulations for fintech in Indonesia. The novelty of this research lies in its normative-comparative approach, which not only compares the regulations of both countries but also uses the results of the comparison as a basis for formulating a systemic and preventive reconstruction of consumer protection regulations. The research method used is normative juridical, employing statutory and comparative legal approaches, through qualitative analysis of primary, secondary, and tertiary legal materials. The results show that consumer protection for Peer-to-Peer Lending fintech in Indonesia remains fragmentary and predominantly administrative in nature, and is thus not yet optimal in guaranteeing legal certainty and consumer protection. In contrast, Singapore applies risk-based regulation that is more integrated and effective. Based on these findings, this research recommends a reconstruction of fintech consumer protection regulation in Indonesia through strengthening regulation at the statutory (law) level, integrating supervisory and law enforcement authority, and strengthe…
date: 2026-07-15
status: published
author list: authors
type: EPrint
type: ThesisEPrint
is part of: repository
has document: Studi Komparasi Perlindungan Konsumen Dalam Layanan Fintech Peer To Peer Lending Di Indonesia Dan Singapura (Text)
subject: K Law (General)

Studi Komparasi Perlindungan Konsumen Dalam Layanan Fintech Peer To Peer Lending Di Indonesia Dan Singapura (Text)
type: Document
has file: COVER_Gita.pdf
has part: COVER_Gita.pdf

Studi Komparasi Perlindungan Konsumen Dalam Layanan Fintech Peer To Peer Lending Di Indonesia Dan Singapura (Text)
type: Document
has file: BAB I.pdf
has part: BAB I.pdf

Studi Komparasi Perlindungan Konsumen Dalam Layanan Fintech Peer To Peer Lending Di Indonesia Dan Singapura (Text)
type: Document

Studi Komparasi Perlindungan Konsumen Dalam Layanan Fintech Peer To Peer Lending Di Indonesia Dan Singapura (Text)
type: Document

Studi Komparasi Perlindungan Konsumen Dalam Layanan Fintech Peer To Peer Lending Di Indonesia Dan Singapura (Text)
type: Document
has file: BAB IV.pdf
has part: BAB IV.pdf

Studi Komparasi Perlindungan Konsumen Dalam Layanan Fintech Peer To Peer Lending Di Indonesia Dan Singapura (Text)
type: Document
has file: DAFTAR PUSTAKA.pdf
has part: DAFTAR PUSTAKA.pdf

Studi Komparasi Perlindungan Konsumen Dalam Layanan Fintech Peer To Peer Lending Di Indonesia Dan Singapura (Text)
type: Document

UPN VETERAN JAWA TIMUR
type: Organization

KODEPRODI74108#Hukum, UPN VETERAN JAWA TIMUR
type: Organization

Teddy Prima Anggriawan
type: Person
given name: Teddy Prima
family name: Anggriawan

Gita Laksmi Zalsabilla
type: Person
given name: Gita Laksmi
family name: Zalsabilla

HTML Summary of #55563 Studi Komparasi Perlindungan Konsumen Dalam Layanan Fintech Peer To Peer Lending Di Indonesia Dan Singapura
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primary topic: Studi Komparasi Perlindungan Konsumen Dalam Layanan Fintech Peer To Peer Lending Di Indonesia Dan Singapura

K Law (General)
type: Concept