Nalendra Pradipto (2019) Fungsi Jaminan Sebagai Penentu Credit Scoring Dalam Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi. Skripsi thesis, UNIVERSITAS AIRLANGGA.

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Abstract

The growth of information technology or commonly referred to as Industrial Revolution 4.0 has given birth to a new idea namely Money Lending and Borrowing Services based on Information Technology. Peer to Peer Lending (P2P) Lending is a service that is much in demand by the public. The majority of P2P Lending financial technology providers do not require collateral. Two examples of operators that do not require collateral are Investree and Modalku. With this condition, OJK has issued a special regulation, namely POJK No. 77 / POJK.01 / 2016 concerning Money Lending and Borrowing Services based on Information Technology. Article 21 POJK No.77 / POJK.01/2016 states that the Operator is required to manage credit risk and operational risk. One risk management undertaken by the Provider is to use Credit Scoring to classify Debtors into certain risk grades. The existence of collateral is very influential in the risk grade and position of the Debtor. However, because the majority of P2P Lending does not require a material guarantee, the Credit Scoring factor other than collateral becomes very important. In practice, the Operator is often less selective about the classification of Debtors in Credit Scoring, resulting in many defaults. Currently, there are no rules that specifically regulate Credit Scoring. Therefore, OJK needs to immediately issue special rules governing Credit Scoring to ensure legal protection for creditors and minimize defaults.

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