Peran OJK (Otoritas Jasa Keuangan) sebagai Lembaga Pengawas Keuangan dalam Kasus Gagal Bayar Perusahaan Fintech P2P (Peer To Peer) Lending

Abstract

OJK is an independent institution whose activities do not interfere with other parties, OJK's main task is to supervise and regulate the financial system in Bank and Non-Bank financial services institutions. The purpose of this research is to find out how the role of the OJK (Financial Services Authority) in handling cases of default or default that have occurred recently in FinTech Peer 2 Peer Lending companies. The type of research used by the author is using secondary data. The author gets information from web articles, journals and the official web of the OJK institution. The results of the research obtained there are 4 FinTech Peer 2 Peer Lending companies that have defaulted or failed as of May 2024, among the companies are PT Igrow Resources Indonesia, PT Investree Radhika Jaya, PT TaniFund Madani Indonesia and PT Modal Rakyat Indonesia. From this case, OJK plays a very important role in handling the problem, the role carried out by OJK as a supervisory and regulatory institution, of course OJK supervises, sanctions companies that violate OJK rules, and finally OJK revokes business licenses for companies that cannot resolve the default.