Mediasi Sebagai Alternatif Penyelesaian Sengketa Dalam Pinjaman Peer To Peer Lending Di Indonesia

Abstract

ARTICLE INFO Information and communication technology is increasingly developing. Nothing but also felt by the financial sector. A developing innovation in the financial sector that is being discussed in recent years is Peer To Peer (P2P) Lending. This Peer to Peer service is becoming popular among people around the world as a convenient non-bank financing institution and a better alternative to the banking system for many users. Apart from its sophistication, on the other hand there are also drawbacks. Regulations are needed regarding legal protection for borrowers if they fail to make payments. And it also requires dispute resolution efforts carried out by parties outside the court that are classified as fast and easy. The purpose of this paper is to describe mediation as an alternative dispute resolution in peer to peer lending in Indonesia. This study uses a descriptive analytical research method with the type of normative doctrinal or juridical research. This descriptive-analytic study is intended to describe, analyze, and explain the problems to be studied related to the problem of consumer protection fintech peer to peer lending business activities in Indonesia. The results of the study show that dispute resolution through mediation is considered better than dispute resolution using litigation. Mediation that creates a peace agreement will be a complete solution because the final result does not use the win or lose principle.