{"id":379075,"date":"2018-03-05T16:35:22","date_gmt":"2018-03-05T09:35:22","guid":{"rendered":"http:\/\/vibiznews.com\/?p=379075"},"modified":"2018-03-05T16:35:22","modified_gmt":"2018-03-05T09:35:22","slug":"ojk-akan-terbitkan-aturan-p2p-lending","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2018\/03\/05\/ojk-akan-terbitkan-aturan-p2p-lending\/","title":{"rendered":"OJK Akan Terbitkan Aturan P2P Lending"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking) \u2013 Industri teknologi finansial (tekfin) berbasis\u00a0<em>peer to peer\u00a0<\/em>(P2P)\u00a0<em>lending\u00a0<\/em>makin merajalela di Tanah Air. Dengan tawaran imbal hasil yang rata-rata dua digit membuat perusahaan tekfin ini makin jadi incaran para investor.<\/p>\n<p style=\"text-align: justify;\">Otoritas Jasa Keuangan (OJK) mencatat, jumlah pemberi pinjaman di sektor tekfin tahun lalu melesat 602,73% menjadi 100.940 orang. Tak heran, jika nilai penyaluran pinjaman sektor ini selama 2017 melejit hingga delapan kali lipat dibanding 2016 yang hanya Rp 284,15 miliar.<\/p>\n<p style=\"text-align: justify;\">Pemanfaatan teknologi membuat bisnis ini lebih menarik di mata beberapa investor yang mencari imbal hasil maksimal. \u00a0Sebagai regulator, OJK tidak dapat membendung aktivitas P2P lending beroperasi namun untuk melindungi masyarakat \u00a0serta untuk memitigasi risiko yang akan timbul, OJK bersegera membuat aturan khusus tentang transparansi dan keadilan dalam bisnis tekfin.<\/p>\n<p style=\"text-align: justify;\">Otoritas Jasa Keuangan (OJK) akan mengatur bunga kredit dan lock up dana perusahaan teknologi finansial (tekfin) yang bergerak di peer to peer Salah satunya terkait asas keadilan. OJK ingin besaran bunga yang adil bagi peminjam dalam P2P lending. Menurut Wimboh Santoso, Ketua Dewan Komisioner OJK, rata-rata bunga pinjaman saat ini di P2P lending cukup tinggi, sekitar 19%.<\/p>\n<p style=\"text-align: justify;\">Dari 36 perusahaan P2P lending yang terdaftar di OJK saat ini, rasio kredit bermasalah alias non performing loan (NPL) yang tercatat per Desember 2017 sebesar 0,8%. Sementara per Januari 2018 meningkat menjadi 1,2%.<\/p>\n<p style=\"text-align: justify;\">Jika trennya telah kelihatan seperti apa, OJK juga akan memberlakukan aturan lock up sejumlah dana yang perlu disediakan perusahaan P2P lending sebagai modal untuk back up risiko. Jumlahnya tergantung sebesar apa bisnis perusahaan tersebut.<\/p>\n<p style=\"text-align: justify;\">Wimboh melanjutkan, perlu kehati-hatian akan risiko default karena kegiatan antara peminjam dan investor dilakukan secara virtual. Tidak ada kedekatan emosional di antara kedua pihak. &#8220;Jika terjadi default siapa yang bertanggung jawab? Apakah pemilik perusahaan P2P lending atau investor? Itu juga perlu diatur lewat azas transparansi tadi,&#8221; kata dia. OJK menargetkan aturan ini akan meluncur pada semester I tahun ini.<\/p>\n<p style=\"text-align: justify;\">Peraturan yang akan dikeluarkan ini tentunya akan merubah dan melengkapi peraturan sebelumnya yakni POJK Nomor 77\/POJK.01\/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi (LPMUBTI) yang sudah baik. Prinsip kehati-hatian\u00a0 sudah diatur dalam POJK tersebut. Seperti harus melalui virtual account dan escrow account di perbankan, sehingga operasionalnya cukup optimal.<\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\"><em>Belinda Kosasih\/Coordinating Partner of Banking Business Services\/Vibiz Consulting Group<\/em><\/p>\n<p style=\"text-align: justify;\"><em>Editor : Asido Situmorang<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking) \u2013 Industri teknologi finansial (tekfin) berbasis\u00a0peer to peer\u00a0(P2P)\u00a0lending\u00a0makin merajalela di Tanah Air. Dengan tawaran imbal hasil yang rata-rata dua digit membuat perusahaan tekfin ini makin jadi incaran para investor. Otoritas Jasa Keuangan (OJK) mencatat, jumlah pemberi pinjaman di sektor tekfin tahun lalu melesat 602,73% menjadi 100.940 orang. Tak heran, jika nilai penyaluran [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":11102,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[353,29],"tags":[6139,2805,6745],"class_list":["post-379075","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-economy-business","tag-fintech","tag-ojk","tag-p2p-lending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OJK Akan Terbitkan Aturan P2P Lending - Vibiznews.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vibiznews.com\/index.php\/2018\/03\/05\/ojk-akan-terbitkan-aturan-p2p-lending\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OJK Akan Terbitkan Aturan P2P Lending - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Banking) \u2013 Industri teknologi finansial (tekfin) berbasis\u00a0peer to peer\u00a0(P2P)\u00a0lending\u00a0makin merajalela di Tanah Air. Dengan tawaran imbal hasil yang rata-rata dua digit membuat perusahaan tekfin ini makin jadi incaran para investor. Otoritas Jasa Keuangan (OJK) mencatat, jumlah pemberi pinjaman di sektor tekfin tahun lalu melesat 602,73% menjadi 100.940 orang. 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