LEGAL PROTECTION FOR CREDITORS AGAINST DEBTORS IN DEFAULT PEER TO PEER LENDING AGREEMENTPeer to Peer Lending Agreement • May 12th, 2024
The purpose of this research is to determine the validity of the Civil Code perspective on peer to peer lending agreements and to determine the factors that hinder creditor returns and the role of the OJK in protecting creditors. This research uses normative juridical methods, namely obtained from library materials and related literature such as books, journals and so on. Peer to peer lending agreements made using an electronic system are basically valid because they fulfill the 4 requirements in Article 1320 of the Civil Code. There are several factors that hinder returns and creditors, namely, individual characteristics, business, credit, internal and external factors. OJK's role in protecting lenders in peer to peer lending agreements, OJK provides sanctions to organizers for losses from fund owners due to errors and negligence in cases where there is a lack of transparency, not acting fairly, not being reliable, not maintaining data confidentiality and security.
FP: A Credit Rating System and Peer-to-Peer Lending Agreement Based on the BSC NetworkPeer-to-Peer Lending Agreement • May 19th, 2021
The development of human society is inseparable from the credit system. According to Adam Smith's description of the origin of money, money originated from barter. In primitive society, transactions among people need to be exchanged for things. If someone, who only has a bag of flour, needs a goose, while another person who needs a bag of flour has a goose at the same time, a deal can be concluded between them. But if a third person is added, or the entire village come to join the transaction, the process becomes very complicated. Therefore, money
