Measuring Opportunities and Challenges in Dispute Resolution of Fintech Sharia Business Through LAPS

Siti Nurhayati; Nurjamil Nurjamil; Muhammad Haris Fadhillah

doi:10.47268/ballrev.v3i1.929

Authors

Siti Nurhayati Study Program in Islamic Economics, Manajemen Koperasi Indonesia Institute, Sumedang
Nurjamil Nurjamil Study Program in Islamic Economics, Manajemen Koperasi Indonesia Institute, Sumedang
Muhammad Haris Fadhillah Study Program in Management, Manajemen Koperasi Indonesia Institute, Sumedang

DOI:

https://doi.org/10.47268/ballrev.v3i1.929

Keywords:

Fintech, LAPS, Business Disputes

Abstract

This research was conducted to outline the opportunities and challenges of resolving fintech business disputes through the Alternative Dispute Resolution Institute (LAPS) in Indonesia. The research method used in this research is a legal reasearch approach and qualitative approach that is to review primary and secondary data sources related to regulations on business dispute resolution in Indonesia. The results show that fintech plays a role in encouraging the economic development of the community, especially as an alternative to financing. LAPS serves as a solution to dispute resolution of business people in Indonesia this institution was chosen because it is more effective and efficient, the verdict is final and binding that is contrary to litigation lines that seem time-consuming and expensive costs. LAPS opportunities are very large for the rise of digital-based businesses and payments that still leave many legal problems while LAPS khsusus fintech is not yet available where LAPS provides services that are in line with digital business; the settlement is a win-win solution, which is in accordance with the character of the business world, which is obliged to manage risks, including reputational risk, operational risk and legal risk. While the challenges faced by LAPS in fintech include: Dualism alternative fintech dispute resolution can be through LAPS and can also through the Consumer Dispute Resolution Agency (BPSK); Limited Legal Infrastructure The number of fintech transactions that continue to increase in line with the potential for disputes that will occur; Availability of Mediators and Arbitrators of LAPS Financial Services Sector.

Downloads

Download data is not yet available.

Citation Metrics

References

Abubakar, L., & Tri, Ha. (2019). Alternatif Penyelesaian Sengketa. 20(2), 173–204.

Alfaris, M. R., Mursida, M. W., Irfan, M., & Syahroni, D. (2019). Model Regulasi Financial Technology Syariah Dalam Kerangka Hukum Indonesia: Studi Perbandingan Malaysia Dan Inggris. Legislatif.

Aliyudin, R. S. (2020). Peran Financial Technology Dalam Meningkatkan Penerimaan Pajak Di Indonesia. Jurnal Akuntansi Keuangan Dan Sistem Informasi.

Amalia, H. N., Ramdani, M. G., Ashiddiq, M. R., Sulistiyani, I., & Lokania. (2020). Penyelesaian Sengketa dalam Peer to Peer Lending (Pinjam Meminjam Online).

Dakum, & Praja, C. B. E. (2020). Urgensi Pembentukan Undang-Undang Fintech sebagai Upaya Legalisasi Penyelesaian Sengketa Transaksi Fintech di Indonesia. Borobudur Law Review, 2(1), 1–15.

Habibunnajar, R., & Rahmatullah, I. (2020). Problematika Regulasi Pinjam Meminjam secara Online Berbasis Syariah di Indonesia. Jurnal Legal Reasoning.

Hariyani, I., Hukum, F., Jember, U., Serfiyani, C. Y., Hukum, F., & Airlangga, U. (2017). Perlindungan Hukum Dan Penyelesaian Sengketa Bisnis Jasa Pm-Tekfin. 345–358.

Kharisma, D. B. (2021). Tantangan laps sektor jasa keuangan sebagai alternatif penyelesaian sengketa di sektor. 26(1), 216–220.

Marsudi, A. S., & Widjaja, Y. (2019). Industri 4.0 dan Dampaknya Terhadap Financial Technology Serta Kesiapan Tenaga Kerja di Indonesia. Jurnal Ikraith Ekonomika.

Nurjamil, D. (2019). Model Penyelesaian Sengketa Pembiayaan Bermasalah Pada Bank Wakaf Mikro Berbasis Pesantren. Res Nullius - Law Jurnal.

Rahmat, T. (2020). Penyelesaian Sengketa Kredit Macet Pinjam Meminjam Uang Berbasis Teknologi Informasi (FInancial Technology).

Silalahi, R., Luh, N., & Hartati, W. (2020). Keunggulan Komparatif Antara Fintech Lending Dan Kredit Mikro Perbankan. Perbanas Review.

Supriyatni, R., & Nurjamil, N. (2021). The Urgency of Handling Non-Performing Financing in Sharia Banks in the Development of Indonesian Sharia Economics. PADJADJARAN Jurnal Ilmu Hukum (Journal of Law). https://doi.org/10.22304/pjih.v8n1.a2

Wasiaturrahma, Ajija, S. R., Sulistyowati, C., & Farihah, E. (2019). Fintech dan Prospek Bisnis Koperasi Syariah (N. Azizah (ed.)). Scopindo Media Pustaka.