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References
- Buku
- Anshari, Muhammad, Mohammad Nabil Almunawar dan Masairol Masri, An Overview of Financial Technology in Indonesia, Chapter 12, An Overview of Financial Technology in Indonesia, IGI Global, 2020.
- Christhi, Susanne and Janos Barberis, The Fintech Book: The Financial Technology Handbook for Investors, Enterpreuners and Visionaries, John Wiley & Sons Ltd, West Sussex, 2016.
- Cummins, Mark, et.al, Addressing Information Asymmetries in Online Peer-to-Peer Lending, dalam Theo Lynn, et.al, Disrupting Finance: Fintech and Strategy in 21st Century, Springer Nature, Switzerland, 2019.
- D.W., Arner, Barberis, J., and Buckley, R.P, The Evolution of FinTech: A New Post-Crises Paradigm, University of Hongkong, 2015.
- Freedman, Roy S. Introduction to Financial Technology, Complete Technology Guides for Financial Services, Elsevier, California, 2006.
- Marzuki, Peter Mahmud, Penelitian Hukum, Kencana Prenada Media Group, Jakarta, 2013.
- Muhammad, Abdulkadir, Hukum dan Penelitian Hukum, Cetakan Kesatu, Bandung, PT Citra Aditya Bakti, 2004.
- Rubini, Agustin, Fintech in A Flash: Financial Technology Made Easy, Simtac Ltd, London, 2017.
- Jurnal
- A, Eugenia Omarini, “Peer-to-peer Lending: Business Model Analysis and the Platform Dilemma,” International Journal of Finance, Economics and Trade (IJFET), 2(3), 2018
- Diyanti, Anin dan Endang Tri Wiyarti, “Analisis Pengaruh Faktor Internal dan Eksternal Terhadap Terjadinya Non Performing Loan (Studi Kasus pada Bank Umum Konvensional yang Menyediakan Layanan Kredit Pemilikan Rumah Periode 2008-2011)”, Diponegoro Journal of Management, Vol.1, No.2, 2012.
- Dwihandayani, Deasy, “Analisis Kinerja Non Performing Loan (NPL) Perbankan di Indonesia dan Faktor-Faktor yang Mempengaruhi NPL”, Jurnal Ekonomi Bisnis, Vol.22, No.3, 2017.
- Emekter, Riza, et.al, “Evaluating credit risk and loan performance in online Peer-to-Peer (P2P) lending”, Applied Economics, 47:1, 2015.
- Manan, Yulianti M. “Sistem Integrasi Proteksi & Manajemen Resiko Platform Fintech peer to Peer (P2P) Lending dan Payment Gateway untuk Meningkatkan Akselerasi Pertumbuhan UMKM 3.0,” Journal of Islamic Economic, Finance, and Banking, Vol.2, No.1, 2019.
- Rahadiyan, Inda dan M. Hawin, “Pengaturan dan Penerapan Mitigasi Risiko Dalam Penyelenggaraan Peer To Peer Lending Guna Mencegah Pinjaman Bermasalah”, Jurnal Hukum, IUS QUIA IUSTUM, No.2, Vol.27, Mei 2020.
- Shihata, Ibrahim F.I “The Role of Law in Business Development”, Fordham International Law Journal, Volume 20, Issue 5, Article 6, 1996.
- Slattery, P. “Square Pegs in a Round Hole: SEC Regulation of Online Peer-to-Peer Lending and The CFPB Alternative”, Yale J. on Reg, 30, 2013.
- Usanti, Trisadini P. dan Fiska Silvia R.R, “Legal Protection of the Contracting Parties in The Peer to Peer Lending Based on Finacial Technology (P2P Lending Fintech) in Indonesia,”, Advances in Social Science, Education and Humanities Research (ASSEHR), Vol.131, International Conference on Law, Governance and Globalization 2017 (ICLGG 2017), Atlantis Press, (2017).
- Uyen, Tran Dinh and Hoang Ha, “The Sharing Economy and Collaborative Finance: the Case of P2P Lending in Vietnam”, Jurnal Ekonomi Bisnis, Vol. 22, No. 2, 2017.
- Verstein, Andrew “The Misregulation of Person-to-Person Lending”, UC Davis Law Review, Vol. 45, No. 2, November 21, 2011.
- Warren, W.S., "The Frontiers of Peer-to-Peer Lending: Thinking About a New Regulatory Approach”, Duke L. & Tech. Rev., 14, 2016.
- Makalah
- Aiginger, Karl “The current economic crisis: causes, cures and consequences”, No. 341. WIFO Working Papers, 2009.
- Napitupulu, Sarwin Kiko, et.al. “Kajian Perlindungan Konsumen Sektor Jasa Keuangan: Perlindungan Konsumen Pada Fintech”, Departemen Perlindungan Konsumen Otoritas Jasa Keuangan Republik Indonesia, 2017.
- Nemoto, Naoko and Bihong Huang, “Optimal Regulation of P2P Lending for Small and Medium-Sized Eterprises”, No.912, ADBI Working Paper Series, January 2019
- Nelson, William R., and Roberto Perli. "Selected Indicators of Financial Stability." Risk Measurement and Systemic Risk 4. 2007.
- Passagi, Hendrikus “Fintech Lending Indonesia Pendanaan Gotong Royong Online”, Materi Seminar Nasional “Implementasi dan Tantangan Fintech Lending di Indonesia”, Kerjasama antara Business Law Community Fakultas Hukum UGM dengan Otoritas Jasa Keuangan Republik Indonesia, Yogyakarta 22 September 2018.
- Peraturan Perundang-Undangan
- Peraturan Bank Indonesia Nomor 19/12/PBI/2017 tentang Penyelenggaraan Teknologi Finansial
- Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang Pinjam Meminjam Uang Berbasis Teknologi Informasi
- Peraturan Otoritas Jasa Keuangan Nomor 13/POJK.02/2018 Tentang Inovasi Keuangan Digital di Sektor Jasa Keuangan.
- Securities Exchange Act of the United States of America year of 1933
- Internet
- Benjamin Kafer, “Peer to Peer Lending: A Financial Stability Risk Perspective”, dapat diakses pada http://www.uni-marburg.de/fb02/ makroforschung/magkspapers diakses 16 Juli 2019.
- CNBCIndonesia, “Ini dia empat jenis fintech di Indonesia”, https://www.cnbcindonesia.com/tech/20180110145800-37-1126/ini-dia-empat-jenis-fintech-di-indonesia diakses 28 Oktober 2019
- Consumer Financial Protection Bureau, “CFPB Now Accepting Complaints on Consumer Loans from Online Marketplace Lender”, https://www.consumerfinance.gov/about-us/newsroom/cfpb-now-accepting-complaints-on-consumer-loans-from-online-marketplace-lender/, accessed 28 Oktober 2019.
- Consumer Financial Protection Bureau, “About Us”, https://www.consumerfinance .gov/about-us/, accessed 25 Oktober 2019.
- Docutech Corporation, “Maximum Interest Rate Matrix”, https://www.docutech .com/wp-content/uploads/2013/05/Maximum-Interest-Rate-Matrix-2013.pdf, accessed 25 Oktober 2019.
- Investopedia, “Howey Test Definition”, https://www.investopedia. com/terms/h/howey-test.asp, diakses 26 Oktober 2019.
- Investopedia, “Details of Payment Dependent Notes”, https://www.investopedia .com/terms/m/member-payment-dependent-note.asp, accessed 27 Oktober 2019.
- Jane J. Kim. "Peer-To-Peer Lender Relaunched", The Wall Street Journal https://www.wsj.com/articles/SB124088142201761953, Accessed 25 Oktober 2019.
- Kevin David, et.all, Catching-Up with Indonesia’s Fintech Industry, Working Paper, Australian Centre for Financial Studies Monash Univesity, May 2017, https://australiancentre.com.au/wp-content/uploads/2017/05/2_ Catching-Up-with-Indonesias-Fintech-Industry.pdf diakses 29 Oktober 2018
- Kieran Garvey. Et.all., Laporan Industri Keuangan Alternatif Asia-Pasifik Ke-2: Meningkatkan Pertumbuhan, The Australian Centre for Financial Studies Monash University bekerja sama dengan Cambridge Centre for Alternative Finance dan Tsinghua University, https://australiancentre. com.au/wp-content/uploads/2017/09/APAC_BH_e.pdf accessed 25 Nopember 2018
- Matt Kennard dan Shannon Bond, “Interest soars in US peer-to-peer lending”, https://www.ft.com/content/2345e94a-0bb1-11e1-9a61-00144feabdc0#ixzz21aKdQtwL diakses 24 Oktober 2019.
- The Economist, “Peer-to-Peer Lending: Banking without bank”., https://www.economist.com/finance-and-economics/2014/02/28/banking-without-banks diakses 26 Oktober 2019.
- Tim Dore dan Traci Mach (2019). “Marketplace Lending and Consumer Credit Outcomes: Evidence from Prosper,” Finance and Economics Discussion Series 2019-022. Washington: Board of Governors of the Federal Reserve System, https://doi.org/10.17016/FEDS.2019.022 accessed 29 Oktober 2019
- United States Government Accountability Office, GAO-11-613 Report to Congressional Committees: PERSON-TO-PERSON LENDING New Regulatory Challenges Could Emerge as the Industry Grows, https://www.gao.gov/new.items/d11613.pdf. accessed 29 Oktober 2019
- United States Democratic Policy Committee, “Brief Summary of The DODD-FRANK Wall Street Reform and Consumer Protection Act”, https://www.dpc.senate.gov/pdf/wall_street_reform_summary.pdf. 25 Oktober 2019
- U.S Securities and Exchange Commission, “What We Do: Introduction”, https://www.sec.gov/Article/whatwedo.html, diakses 25 Oktober 2019.
- U.S Securities and Exchange Commission, “About EDGAR”, https://www.sec.gov/edgar/aboutedgar.htm, diakses 25 Oktober 2019.
- U.S Securities and Exchange Commission, “Securities Act of 1933”, https://www.sec.gov/answers/about-lawsshtml.html diakses 25 Oktober 2019.
- Westland, et. al., 2018. “Private Information, Credit Risk and Graph Structure in P2P Lending Networks”, https://arxiv.org/pdf/1802.10000 diakses pada 20 November 2019.
References
Buku
Anshari, Muhammad, Mohammad Nabil Almunawar dan Masairol Masri, An Overview of Financial Technology in Indonesia, Chapter 12, An Overview of Financial Technology in Indonesia, IGI Global, 2020.
Christhi, Susanne and Janos Barberis, The Fintech Book: The Financial Technology Handbook for Investors, Enterpreuners and Visionaries, John Wiley & Sons Ltd, West Sussex, 2016.
Cummins, Mark, et.al, Addressing Information Asymmetries in Online Peer-to-Peer Lending, dalam Theo Lynn, et.al, Disrupting Finance: Fintech and Strategy in 21st Century, Springer Nature, Switzerland, 2019.
D.W., Arner, Barberis, J., and Buckley, R.P, The Evolution of FinTech: A New Post-Crises Paradigm, University of Hongkong, 2015.
Freedman, Roy S. Introduction to Financial Technology, Complete Technology Guides for Financial Services, Elsevier, California, 2006.
Marzuki, Peter Mahmud, Penelitian Hukum, Kencana Prenada Media Group, Jakarta, 2013.
Muhammad, Abdulkadir, Hukum dan Penelitian Hukum, Cetakan Kesatu, Bandung, PT Citra Aditya Bakti, 2004.
Rubini, Agustin, Fintech in A Flash: Financial Technology Made Easy, Simtac Ltd, London, 2017.
Jurnal
A, Eugenia Omarini, “Peer-to-peer Lending: Business Model Analysis and the Platform Dilemma,” International Journal of Finance, Economics and Trade (IJFET), 2(3), 2018
Diyanti, Anin dan Endang Tri Wiyarti, “Analisis Pengaruh Faktor Internal dan Eksternal Terhadap Terjadinya Non Performing Loan (Studi Kasus pada Bank Umum Konvensional yang Menyediakan Layanan Kredit Pemilikan Rumah Periode 2008-2011)”, Diponegoro Journal of Management, Vol.1, No.2, 2012.
Dwihandayani, Deasy, “Analisis Kinerja Non Performing Loan (NPL) Perbankan di Indonesia dan Faktor-Faktor yang Mempengaruhi NPL”, Jurnal Ekonomi Bisnis, Vol.22, No.3, 2017.
Emekter, Riza, et.al, “Evaluating credit risk and loan performance in online Peer-to-Peer (P2P) lending”, Applied Economics, 47:1, 2015.
Manan, Yulianti M. “Sistem Integrasi Proteksi & Manajemen Resiko Platform Fintech peer to Peer (P2P) Lending dan Payment Gateway untuk Meningkatkan Akselerasi Pertumbuhan UMKM 3.0,” Journal of Islamic Economic, Finance, and Banking, Vol.2, No.1, 2019.
Rahadiyan, Inda dan M. Hawin, “Pengaturan dan Penerapan Mitigasi Risiko Dalam Penyelenggaraan Peer To Peer Lending Guna Mencegah Pinjaman Bermasalah”, Jurnal Hukum, IUS QUIA IUSTUM, No.2, Vol.27, Mei 2020.
Shihata, Ibrahim F.I “The Role of Law in Business Development”, Fordham International Law Journal, Volume 20, Issue 5, Article 6, 1996.
Slattery, P. “Square Pegs in a Round Hole: SEC Regulation of Online Peer-to-Peer Lending and The CFPB Alternative”, Yale J. on Reg, 30, 2013.
Usanti, Trisadini P. dan Fiska Silvia R.R, “Legal Protection of the Contracting Parties in The Peer to Peer Lending Based on Finacial Technology (P2P Lending Fintech) in Indonesia,”, Advances in Social Science, Education and Humanities Research (ASSEHR), Vol.131, International Conference on Law, Governance and Globalization 2017 (ICLGG 2017), Atlantis Press, (2017).
Uyen, Tran Dinh and Hoang Ha, “The Sharing Economy and Collaborative Finance: the Case of P2P Lending in Vietnam”, Jurnal Ekonomi Bisnis, Vol. 22, No. 2, 2017.
Verstein, Andrew “The Misregulation of Person-to-Person Lending”, UC Davis Law Review, Vol. 45, No. 2, November 21, 2011.
Warren, W.S., "The Frontiers of Peer-to-Peer Lending: Thinking About a New Regulatory Approach”, Duke L. & Tech. Rev., 14, 2016.
Makalah
Aiginger, Karl “The current economic crisis: causes, cures and consequences”, No. 341. WIFO Working Papers, 2009.
Napitupulu, Sarwin Kiko, et.al. “Kajian Perlindungan Konsumen Sektor Jasa Keuangan: Perlindungan Konsumen Pada Fintech”, Departemen Perlindungan Konsumen Otoritas Jasa Keuangan Republik Indonesia, 2017.
Nemoto, Naoko and Bihong Huang, “Optimal Regulation of P2P Lending for Small and Medium-Sized Eterprises”, No.912, ADBI Working Paper Series, January 2019
Nelson, William R., and Roberto Perli. "Selected Indicators of Financial Stability." Risk Measurement and Systemic Risk 4. 2007.
Passagi, Hendrikus “Fintech Lending Indonesia Pendanaan Gotong Royong Online”, Materi Seminar Nasional “Implementasi dan Tantangan Fintech Lending di Indonesia”, Kerjasama antara Business Law Community Fakultas Hukum UGM dengan Otoritas Jasa Keuangan Republik Indonesia, Yogyakarta 22 September 2018.
Peraturan Perundang-Undangan
Peraturan Bank Indonesia Nomor 19/12/PBI/2017 tentang Penyelenggaraan Teknologi Finansial
Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang Pinjam Meminjam Uang Berbasis Teknologi Informasi
Peraturan Otoritas Jasa Keuangan Nomor 13/POJK.02/2018 Tentang Inovasi Keuangan Digital di Sektor Jasa Keuangan.
Securities Exchange Act of the United States of America year of 1933
Internet
Benjamin Kafer, “Peer to Peer Lending: A Financial Stability Risk Perspective”, dapat diakses pada http://www.uni-marburg.de/fb02/ makroforschung/magkspapers diakses 16 Juli 2019.
CNBCIndonesia, “Ini dia empat jenis fintech di Indonesia”, https://www.cnbcindonesia.com/tech/20180110145800-37-1126/ini-dia-empat-jenis-fintech-di-indonesia diakses 28 Oktober 2019
Consumer Financial Protection Bureau, “CFPB Now Accepting Complaints on Consumer Loans from Online Marketplace Lender”, https://www.consumerfinance.gov/about-us/newsroom/cfpb-now-accepting-complaints-on-consumer-loans-from-online-marketplace-lender/, accessed 28 Oktober 2019.
Consumer Financial Protection Bureau, “About Us”, https://www.consumerfinance .gov/about-us/, accessed 25 Oktober 2019.
Docutech Corporation, “Maximum Interest Rate Matrix”, https://www.docutech .com/wp-content/uploads/2013/05/Maximum-Interest-Rate-Matrix-2013.pdf, accessed 25 Oktober 2019.
Investopedia, “Howey Test Definition”, https://www.investopedia. com/terms/h/howey-test.asp, diakses 26 Oktober 2019.
Investopedia, “Details of Payment Dependent Notes”, https://www.investopedia .com/terms/m/member-payment-dependent-note.asp, accessed 27 Oktober 2019.
Jane J. Kim. "Peer-To-Peer Lender Relaunched", The Wall Street Journal https://www.wsj.com/articles/SB124088142201761953, Accessed 25 Oktober 2019.
Kevin David, et.all, Catching-Up with Indonesia’s Fintech Industry, Working Paper, Australian Centre for Financial Studies Monash Univesity, May 2017, https://australiancentre.com.au/wp-content/uploads/2017/05/2_ Catching-Up-with-Indonesias-Fintech-Industry.pdf diakses 29 Oktober 2018
Kieran Garvey. Et.all., Laporan Industri Keuangan Alternatif Asia-Pasifik Ke-2: Meningkatkan Pertumbuhan, The Australian Centre for Financial Studies Monash University bekerja sama dengan Cambridge Centre for Alternative Finance dan Tsinghua University, https://australiancentre. com.au/wp-content/uploads/2017/09/APAC_BH_e.pdf accessed 25 Nopember 2018
Matt Kennard dan Shannon Bond, “Interest soars in US peer-to-peer lending”, https://www.ft.com/content/2345e94a-0bb1-11e1-9a61-00144feabdc0#ixzz21aKdQtwL diakses 24 Oktober 2019.
The Economist, “Peer-to-Peer Lending: Banking without bank”., https://www.economist.com/finance-and-economics/2014/02/28/banking-without-banks diakses 26 Oktober 2019.
Tim Dore dan Traci Mach (2019). “Marketplace Lending and Consumer Credit Outcomes: Evidence from Prosper,” Finance and Economics Discussion Series 2019-022. Washington: Board of Governors of the Federal Reserve System, https://doi.org/10.17016/FEDS.2019.022 accessed 29 Oktober 2019
United States Government Accountability Office, GAO-11-613 Report to Congressional Committees: PERSON-TO-PERSON LENDING New Regulatory Challenges Could Emerge as the Industry Grows, https://www.gao.gov/new.items/d11613.pdf. accessed 29 Oktober 2019
United States Democratic Policy Committee, “Brief Summary of The DODD-FRANK Wall Street Reform and Consumer Protection Act”, https://www.dpc.senate.gov/pdf/wall_street_reform_summary.pdf. 25 Oktober 2019
U.S Securities and Exchange Commission, “What We Do: Introduction”, https://www.sec.gov/Article/whatwedo.html, diakses 25 Oktober 2019.
U.S Securities and Exchange Commission, “About EDGAR”, https://www.sec.gov/edgar/aboutedgar.htm, diakses 25 Oktober 2019.
U.S Securities and Exchange Commission, “Securities Act of 1933”, https://www.sec.gov/answers/about-lawsshtml.html diakses 25 Oktober 2019.
Westland, et. al., 2018. “Private Information, Credit Risk and Graph Structure in P2P Lending Networks”, https://arxiv.org/pdf/1802.10000 diakses pada 20 November 2019.