PERAN OTORITAS JASA KEUANGAN PROVINSI RIAU DALAM MENGAWASI PENYELENGGARAAN LAYANAN PINJAM MEMINJAM UANG BERBASIS TEKNOLOGI INFORMASI (PEER TO PEER LENDING) ILEGAL DI KOTA PEKANBARU

Abstract

One of digitalization improvement form was experienced by technology field. Internet technology has greatest impact for world economic needs. Internet brings economic sector into the new level that is most known as digital economics. The most recent popular digital economics service specifically in Indonesia is fintech. According to the Indonesian Joint Fintech Funding Association (AFPI), the financial technology of peer to peer lending (loan) is considered the type of Fintech which activity is most prominent in Indonesia. The purpose of this research; First, to know the form of legal protection given by the Financial Services Authority of Riau Province against the use of borrowing money services based on illegal information technology (eer to peer lending) in Pekanbaru city, Second to know the optimizing role of Financial Services Authority of Riau Province to supervise the implementation of borrowing money services based on illegal information technology (peer to peer lending) in Kota Pekanbaru.
This type of research can be classified into a type of sociological research. This research direcly gain the data from the research location at Financial Service Authory of Riau Province and Legal aid Pekanbaru. From the research results based on two problems can be concluded, First, the form of legal protection provided by the Financial Services Authority of Financial Services Authority of Riau is supposed to focus on the socialization of prevention by conducting socialization related to middle and lower society. Second, optimizing the role of Financial Services Authority of Riau Province to supervise the implementation of borrowing money services based on illegal information technology (peer to peer lending) in the territory of Pekanbaru city, seen from the efforts of Financial Services Authority of Riau in renewing preventive efforts but in terms of repressive Financial Services Authority of Riau has not been able because there is no specific rules that govern the implementation of the money-borrowing services based should urge the Government to immediately formulate the law on the Misuse of Personal Data in order to minimize the cases.
Keyword: Financial Services Authority-Money Loans services based on information technology (peer to peer lending)-illegal