PENGAWASAN OTORITAS JASA KEUANGAN DALAM LAYANAN PINJAM MEMINJAM UANG BERBASIS TEKNOLOGI INFORMASI

Abstract

ABSTRACT The development of information technology has changed the landscape of the financial sector, one of which is the emergence of information technology-based money lending services. The Financial Services Authority is an independent institution and free from interference from other parties. Based on the formulation of the problem: 1). How does the Financial Services Authority supervise information technology-based money lending services? 2). How does the Financial Services Authority implement a mechanism to supervise information technology-based money lending services? The research method used is a type of normative legal research. Data sources from primary legal materials and secondary data, Data collection techniques with literature studies and observations of legislation. Data are analyzed qualitatively. Conclusions from research results based on research regarding. 1). The Financial Services Authority has issued various regulations to supervise the implementation of information technology-based money lending services, there are still gaps in supervision related to strengthening the supervision system 2). Challenges and mechanisms applied, there needs to be collaboration between the government, the Financial Services Authority, and the community in maintaining the sustainability of the information technology-based money lending industry that is safe and reliable.