Karakteristik Invoice Financing dalam Perjanjian Pinjam Meminjam Berbasis Peer-To-Peer Lending

Ananda Amalia Tasya, S.H. (2022) Karakteristik Invoice Financing dalam Perjanjian Pinjam Meminjam Berbasis Peer-To-Peer Lending. Skripsi thesis, UNIVERSITAS AIRLANGGA,.

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Abstract

Peer-to-peer lending is a fintech financial product where lenders (lenders) meet with borrowers (borrowers) on platforms provided by service providers in an electronic system or P2P Lending provider as regulated in POJK Number 77/POJK. 01/2016. P2P Lending provider offer a variety of loan products that the public can choose according to their needs, one of which is Invoice Financing. In the legal construction of the Invoice Financing product, there is 1 (one) party involved, namely the payer. This will raise new questions regarding the legal relationship between the payor and other parties in P2P Lending such as borrowers, lenders and P2P Lending provider. Then, if the invoice is used as loan collateral in the Invoice Financing scheme, then the invoice must be executed to pay off the borrower's obligations. This study was conducted to analyze the legal relationship between the parties in Invoice Financing and the accountability of P2P Lending provider in Invoice Financing. This research is a normative research using statute approach, conceptual approach and case study. The results of this study indicate that the party who has a legal relationship with payor is only the borrower and the claim is used as collateral not in the sense of a guarantee that is bound by a guarantee agreement. In this case, the P2P Lending provider may also be responsible for the negligence he/she did which resulted in a loss to the other party. This research is expected to be a reference for academics and practitioners in the implementation of invoice financing in Indonesia.

Item Type: Thesis (Skripsi)
Additional Information: KKB KK-2 T.FH.K.03/22 Ana k
Uncontrolled Keywords: invoice financing, P2P Lending, collateral, loan agreement.
Subjects: H Social Sciences > HG Finance > HG1-9999 Finance > HG1501-3550 Banking
H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance.Corporation finance
K Law > K Law (General) > K1-7720 Law in general. Comparative and uniform law. Jurisprudence > K(520)-5582 Comparative law. International uniform law > K1000-1395 Commercial law
K Law > K Law (General) > K1-7720 Law in general. Comparative and uniform law. Jurisprudence > K(520)-5582 Comparative law. International uniform law > K623-968 Civil law > K830-968 Obligations > K840-917 Contracts
Divisions: 03. Fakultas Hukum > Magister Kenotariatan
Creators:
CreatorsNIM
Ananda Amalia Tasya, S.H.032014253010
Contributors:
ContributionNameNIDN / NIDK
Thesis advisorINDIRA RETNO ARYATI198003202005012002
Thesis advisorTRISADINI PRASASTINAH USANTI196702261993032001
Depositing User: mat sjafi'i
Date Deposited: 14 Sep 2026 07:17
Last Modified: 14 Sep 2026 07:17
URI: http://repository.unair.ac.id/id/eprint/146718
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