Strategy Of Illegal Technology Financial Management In Form Of Online Loans

Raden Ani Eko Wahyuni

doi:10.22225/jhp.7.1.2020.27-33

Raden Ani Eko Wahyuni Faculty of Law, Diponegoro University

DOI: https://doi.org/10.22225/jhp.7.1.2020.27-33

Keywords: Strategy, Finacial Technology, Online Loans

Abstract

The existence of technological development has an impact on aspects of people's economic life. The emergence of financial technology in the form of online loans makes it easy to get the desired funds in a short and easy process. This study aims to discuss the practice of illegal online lending from the perspective of business ethics. The research method used is Normative Juridical with descriptive analytical research specifications. In the practice of Financial Technology (fintech), namely online loans, several problems have been discovered, such as the emergence of illegal online loans, recorded from January 2018 to April 2019, the Financial Services Authority has blocked 947 types of fintech entities in the form of loans between unlicensed online parties. The existence of illegal financial technology can lead to criminal acts such as fraud, money laundering or misuse of consumer's data. This condition was triggered by many people who did not yet know about the technology financial business. Even for legal online loan services that already have risks, the illegal ones will certainly be more risky, and the last many reports from the public as victims of unethical debt collection by online loan service companies. This happens because of the lack of public knowledge about the legality of online loan service companies

Author Biography

Raden Ani Eko Wahyuni, Faculty of Law, Diponegoro University

I am a woman was born on May 4th, 1996 in Jombang Regency, East Java, named Raden Ani Eko Wahyuni. I like to write a story. I currently live in the city of Semarang. When i was a child, i lived with my parents in Surabaya. I studied at Menur Pumpungan State Elementary School and IPIEMS Surabaya Middle School since 2002 until 2011. At 2011, i studied in Senior High School PGRI Kesamben Jombang, East Java until 2014. In the same year I continued my education in the City of Semarang, Central Java at the Faculty of Law, Semarang University, to attain a law degree, in compiling my final project is related to protection children as victims of divorce and i was graduated in 2018. Since my graduation in 2018 until now I study at the Masters of Law, Faculty of Law, Diponegoro University. My learning concentration is economic and business law. So, I am interested in making a paper about economic issues in Indonesia. I was writing my thesis currently, my research is legal protection of national interests in investment treaty that is Bilateral Investment Treaty in Indonesian investment law.

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