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Journal

Regulation of Sharia Information Technology-Based Peer-To-Peer Financing Services in POJK No. 10/POJK.05/2022

ADLIYA: Jurnal Hukum dan Kemanusiaan · Vol. 17 No. 1 (2024) · pp. 1–18

DOI
10.15575/adliya.v17i1.21887
ISSN
2657-2125, 1978-8312
Published
2024-06-30
Publisher
Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung
Language
eng

Abstract

The regulation of Sharia Information Technology-Based Peer to Peer Financing Services (LPBBTI) is essential for its operational and supportive role in creating a prudent Sharia LPBBTI ecosystem. In July 2022, the Financial Services Authority issued a new regulation, Financial Services Authority Regulation No. 10/POJK.05/2022, which replaced the previous one. This research analyses the legal relationship, operational procedures, and protection of Sharia LPBBTI users under the latest regulation. The study applied normative juridical research and used relevant legal materials obtained through document studies. The findings reveal that POJK No. 10/2022 regulates the legal relationships between parties and protects service users but does not restrict the relationship between recipients and organisers of Sharia LPBBTI. Additionally, the regulation does not provide alternative dispute resolution mechanisms outside the court and only applies to licensed Sharia LPBBTI operators, leaving illegal operators outside its scope.Pengaturan Layanan Pembiayaan Bersama Berbasis Teknologi Informasi Syariah (LPBBTI) sangat signifikan sebagai pijakan operasional dan untuk mendukung ekosistem LPBBTI syariah yang prudent. Pada bulan Juli 2022, Otoritas Jasa Keuangan menerbitkan Peraturan Otoritas Jasa Keuangan (POJK) No. 10/POJK.05/2022 yang menggantikan POJK No. 77/POJK.01/2016. Fokus kajian dalam studi ini adalah bagaimana hubungan hukum, operasional, dan perlindungan hukum pengguna LPBBTI syariah diatur dalam peraturan terbaru tersebut? Penelitian ini tergolong dalam penelitian yuridis normatif dengan meng­guna­kan data sekunder yang dilakukan melalui studi dokumen. Dari hasil analisis kualitatif meng­hasilkan temuan bahwa POJK No. 10 Tahun 2022 telah mengatur hubungan hukum para pihak tetapi tidak mengatur hubungan hukum antara penerima dana dengan penye­leng­gara LPBBTI syariah. Adapun beberapa hak pengguna layanan diatur sebagai bentuk per­lindungan hukum. Namun di sisi lain, POJK No. 10 Tahun 2022 tidak menyediakan alternatif penyelesaian sengketa di luar pengadilan. Aturan yang terdapat dalam POJK No. 10 Tahun 2022 bersifat teknis dan hanya mengatur penyelenggara LPBBTI syariah yang resmi, sehingga tidak mencakup penyelenggara LPBBTI ilegal.

Keywords

Collaboration network of the authors

31 authors · 80 co-authorship links

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • State University of Malang
  • Walisongo State Islamic University
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Aqila-Syarief Muhammad AfifAffiliation unknown4
Muhammad Fazli AzmiAffiliation unknown4
Ali MaskurAffiliation unknown3
Moh ArifinAffiliation unknown1
GunartoAffiliation unknown1
Bambang Tri BawonoAffiliation unknown1
Kiki Nuriska DenhasAffiliation unknown1
Maesa RaniAffiliation unknown1
Muhammad Zainal IbadAffiliation unknown1
Goldie Melinda WijayantiAffiliation unknown1
Afis Baghiz SyafruddinState University of Malang1
Ari GunawanAffiliation unknown1
Thomas SosecoAffiliation unknown1
Otto FajariantAffiliation unknown1
Fuad Indra KusumaAffiliation unknown1
Nur IndriatiAffiliation unknown1
Ismail MarzukiAffiliation unknown1
Edy SaputroAffiliation unknown1
Muhammad Akmal HabibAffiliation unknown1
SupangatAffiliation unknown1
Abdul GhofurAffiliation unknown1
Anis FittriaAffiliation unknown1
Bagus Shandy NarmadityaAffiliation unknown1
Siti Rosnita Binti SakarjiAffiliation unknown1
Maruf MarufAffiliation unknown1
Aisa RurkinantiaWalisongo State Islamic University1
Saifudin SaifudinAffiliation unknown1
Arifana Nur KholiqAffiliation unknown1
Arina Hukmu AdilaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/adliya/oai, first harvested 7 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">Regulation of Sharia Information Technology-Based Peer-To-Peer Financing Services in POJK No. 10/POJK.05/2022</dc:title>
	<dc:creator>Noor, Afif</dc:creator>
	<dc:creator>Wulandari, Dwi</dc:creator>
	<dc:subject xml:lang="en-US">Legal Protection</dc:subject>
	<dc:subject xml:lang="en-US">Regulation</dc:subject>
	<dc:subject xml:lang="en-US">Agreement</dc:subject>
	<dc:subject xml:lang="en-US">Sharia Compliance</dc:subject>
	<dc:subject xml:lang="en-US">Sharia Peer-to-Peer Financing Services.</dc:subject>
	<dc:description xml:lang="en-US">The regulation of Sharia Information Technology-Based Peer to Peer Financing Services (LPBBTI) is essential for its operational and supportive role in creating a prudent Sharia LPBBTI ecosystem. In July 2022, the Financial Services Authority issued a new regulation, Financial Services Authority Regulation No. 10/POJK.05/2022, which replaced the previous one. This research analyses the legal relationship, operational procedures, and protection of Sharia LPBBTI users under the latest regulation. The study applied normative juridical research and used relevant legal materials obtained through document studies. The findings reveal that POJK No. 10/2022 regulates the legal relationships between parties and protects service users but does not restrict the relationship between recipients and organisers of Sharia LPBBTI. Additionally, the regulation does not provide alternative dispute resolution mechanisms outside the court and only applies to licensed Sharia LPBBTI operators, leaving illegal operators outside its scope.Pengaturan Layanan Pembiayaan Bersama Berbasis Teknologi Informasi Syariah (LPBBTI) sangat signifikan sebagai pijakan operasional dan untuk mendukung ekosistem LPBBTI syariah yang prudent. Pada bulan Juli 2022, Otoritas Jasa Keuangan menerbitkan Peraturan Otoritas Jasa Keuangan (POJK) No. 10/POJK.05/2022 yang menggantikan POJK No. 77/POJK.01/2016. Fokus kajian dalam studi ini adalah bagaimana hubungan hukum, operasional, dan perlindungan hukum pengguna LPBBTI syariah diatur dalam peraturan terbaru tersebut? Penelitian ini tergolong dalam penelitian yuridis normatif dengan meng­guna­kan data sekunder yang dilakukan melalui studi dokumen. Dari hasil analisis kualitatif meng­hasilkan temuan bahwa POJK No. 10 Tahun 2022 telah mengatur hubungan hukum para pihak tetapi tidak mengatur hubungan hukum antara penerima dana dengan penye­leng­gara LPBBTI syariah. Adapun beberapa hak pengguna layanan diatur sebagai bentuk per­lindungan hukum. Namun di sisi lain, POJK No. 10 Tahun 2022 tidak menyediakan alternatif penyelesaian sengketa di luar pengadilan. Aturan yang terdapat dalam POJK No. 10 Tahun 2022 bersifat teknis dan hanya mengatur penyelenggara LPBBTI syariah yang resmi, sehingga tidak mencakup penyelenggara LPBBTI ilegal.</dc:description>
	<dc:publisher xml:lang="en-US">Fakultas Syariah dan Hukum UIN Sunan Gunung Djati Bandung</dc:publisher>
	<dc:date>2024-06-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinsgd.ac.id/index.php/adliya/article/view/21887</dc:identifier>
	<dc:identifier>10.15575/adliya.v17i1.21887</dc:identifier>
	<dc:source xml:lang="en-US">ADLIYA: Jurnal Hukum dan Kemanusiaan; Vol. 17 No. 1 (2023): ADLIYA: Jurnal Hukum dan Kemanusiaan; 1-18</dc:source>
	<dc:source>2657-2125</dc:source>
	<dc:source>1978-8312</dc:source>
	<dc:source>10.15575/adliya.v17i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinsgd.ac.id/index.php/adliya/article/view/21887/pdf</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2023 Afif Noor, Dwi Wulandari</dc:rights>
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