{"id":580511,"date":"2025-05-13T16:47:14","date_gmt":"2025-05-13T09:47:14","guid":{"rendered":"https:\/\/vibiznews.com\/?p=580511"},"modified":"2025-05-13T16:47:14","modified_gmt":"2025-05-13T09:47:14","slug":"aturan-pinjol-2025-termasuk-denda-dan-penagihan-lewat-debt-collector","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2025\/05\/13\/aturan-pinjol-2025-termasuk-denda-dan-penagihan-lewat-debt-collector\/","title":{"rendered":"Aturan Pinjol 2025 Termasuk Denda dan Penagihan Lewat Debt Collector"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Pinjaman online makin marak di Indonesia, kemudahan yang ditawarkan melalui penawaran yang menarik lewat handphone hampir setiap hari terjadi.<\/p>\n<p style=\"text-align: justify;\">Sehingga tidak heran banyak orang yang tergiur untuk mendapatkannya, namun setiap pinjaman yang diberikan tentu harus membayar pada waktunya.<\/p>\n<h5 style=\"text-align: justify;\">Para nasabah layanan pinjaman online (pinjol) <em>peer-to-peer<\/em> (P2P) wajib membayar utang dalam tempo yang ditetapkan. Jika menunggak, tak jarang nasabah harus berhadapan dengan penagih utang atau <em>debt collector.<\/em><\/h5>\n<p style=\"text-align: justify;\">Peran <em>debt collector<\/em> penting untuk memastikan kedisiplinan pembayaran dalam bisnis utang-piutang. Otoritas Jasa Keuangan (OJK) mengizinkan jasa <em>debt collector<\/em>, namun ada rambu-rambu yang harus dipatuhi.<\/p>\n<p style=\"text-align: justify;\">Aturan soal pinjol, termasuk cara penagihan <em>debt collector,<\/em> telah disusun oleh OJK. Yakni melalui peta jalan Lembaga Pendanaan Bersama Berbasis Teknologi Informasi (LPPBBTI).<\/p>\n<p style=\"text-align: justify;\">Kepala Eksekutif Pengawas Lembaga Pembiayaan, Perusahaan Modal Ventura, Lembaga Keuangan Mikro dan Lembaga Jasa Keuangan Lainnya (PVML) OJK Agusman mengatakan. \u201d Setiap penyelenggara wajib menjelaskan terkait prosedur pengembalian dana kepada debitur atau nasabahnya.\u201d<\/p>\n<h5 style=\"text-align: justify;\">Selain itu, juga terdapat ketentuan dan etika dalam proses penagihan. Penyelenggara P2P lending dilarang menggunakan ancaman, bentuk intimidasi, dan hal-hal negatif lainnya termasuk unsur SARA dalam proses penagihan.<\/h5>\n<p style=\"text-align: justify;\">Bahkan, OJK juga mengatur waktu penagihan bagi para penyelenggara kepada debitur maksimal hingga pukul 20.00 waktu setempat.<\/p>\n<p style=\"text-align: justify;\">Terakhir, Agusman juga menegaskan, para penyelenggara wajib bertanggung jawab terhadap semua proses penagihan. Artinya, <em>debt collector<\/em> atau jasa penagih yang memiliki kontrak dengan pihak penyelenggara berada di bawah tanggung jawab penyelenggara.<\/p>\n<p style=\"text-align: justify;\">Sebagaimana diketahui, road map ini sejalan dengan amanat Undang-Undang No.4 tahun 2023 tentang Pengembangan dan Penguatan Sistem Perbankan (UU PPSK).<\/p>\n<p style=\"text-align: justify;\">Adapun Pasal 306 UU PPSK mengatur sanksi jika pelaku usaha sektor keuangan (PUSK) melakukan pelanggaran dalam penagihan. Termasuk memberikan informasi yang salah kepada nasabah akan dipidana penjara paling singkat 2 tahun dan paling lama 10 tahun. Dan pidana denda paling sedikit Rp 25 miliar dan Rp 250 miliar.<\/p>\n<p style=\"text-align: justify;\">Menurut Analis Vibiz Research Center,\u00a0 aturan ini penting menghindari penyalahgunaan etika penagihan dalam proses penagihan dan juga untuk melindungi nasabah.<\/p>\n<p style=\"text-align: justify;\"><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n<p style=\"text-align: justify;\">\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; (Vibiznews \u2013 Banking &amp; Insurance) \u2013 Pinjaman online makin marak di Indonesia, kemudahan yang ditawarkan melalui penawaran yang menarik lewat handphone hampir setiap hari terjadi. Sehingga tidak heran banyak orang yang tergiur untuk mendapatkannya, namun setiap pinjaman yang diberikan tentu harus membayar pada waktunya. Para nasabah layanan pinjaman online (pinjol) peer-to-peer (P2P) wajib membayar [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":486807,"comment_status":"closed","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],"tags":[14667],"class_list":["post-580511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-debt-collector"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Aturan Pinjol 2025 Termasuk Denda dan Penagihan Lewat Debt Collector - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"Aturan soal pinjol, termasuk cara penagihan debt collector, telah disusun oleh OJK. 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