ANALISIS YURIDIS SOSIOLOGIS PERLINDUNGAN HUKUM DEBITUR TERHADAP PRAKTIK FINTECH PEER-TO-PEER LENDING (Studi Di Otoritas Jasa Keuangan Tasikmalaya)

Fintech Peer-to-Peer Lending is the provision of financial services to bring together lenders with borrowers in order to enter into information technology-based lending and borrowing agreements through one platform. OJK is an independent institution that has the task, authority, inspection, regulation and supervision of the implementation of Fintech Lending. The issues raised are How is the practice of Fintech Peer-to-Peer Lending and the role of the Financial Services Authority (OJK) Tasikmalaya in Supervision of Fintech Peer-to-Peer Lending Legal and How is the legal protection for debtors who use Fintech Peer-to-Peer Lending Legal services in the event of late payment. In order to collect data, the author uses empirical juridical research methods that analyze problems by combining legal materials, secondary data with primary data obtained from field research. The results show that the supervision and regulation of Fintech Peer-to-Peer Lending is currently carried out by the IKNB 2A (DPI 3) Supervision Department with the Directorate of Financial Technology Regulation, Licensing and Supervision in Jakarta. The role of OJK Tasikmalaya is to receive complaints from the public regarding Fintech peer-to-peer lending received by OJK Tasikmalaya has been forwarded through the Consumer Complaint Portal Application (APPK) to each entity. To increase public literacy regarding the use of Fintech Lending, OJK Tasikmalaya intensively conducts educational and financial literacy activities related to Fintech Lending. Throughout 2021, it was recorded. Throughout 2022 as of June, 30 Complaints submitted to the Tasikmlaya OJK office related to Fintech peer-to-peer Lending problems were recorded. Every loan recipient must always pay attention that the Fintech provider is registered and licensed by the OJK