{"id":210516,"date":"2024-05-11T18:25:48","date_gmt":"2024-05-11T11:25:48","guid":{"rendered":"https:\/\/nawacita.co\/?p=210516"},"modified":"2024-05-11T17:24:51","modified_gmt":"2024-05-11T10:24:51","slug":"aturan-baru-penagihan-debt-collector","status":"publish","type":"post","link":"https:\/\/nawacita.co\/index.php\/2024\/05\/11\/aturan-baru-penagihan-debt-collector\/","title":{"rendered":"Aturan Baru Penagihan Debt Collector Pinjol 2024"},"content":{"rendered":"

Aturan Baru Penagihan Debt Collector Pinjol 2024<\/h1>\n

JAKARTA, Nawacita<\/a><\/strong> – Aturan Baru Penagihan Debt Collector Pinjol 2024, Aturan baru bagi penagih utang atau debt collector pinjaman online (pinjol) peer-to-peer (P2P) lending diatur oleh Otoritas Jasa Keuangan (OJK), melalui peta jalan Lembaga Pendanaan Bersama Berbasis Teknologi Informasi (LPPBBTI).<\/p>\n

Kepala Eksekutif Pengawas Lembaga Pembiayaan, Perusahaan Modal Ventura, Lembaga Keuangan Mikro dan Lembaga Jasa Keuangan Lainnya (PVML) OJK Agusman mengatakan setiap penyelenggara wajib menjelaskan terkait prosedur pengembalian dana kepada debitur atau nasabahnya. Selain itu, juga terdapat ketentuan dan etika dalam proses penagihan.<\/p>\n

Penyelenggara P2P lending dilarang menggunakan ancaman, bentuk intimidasi, dan hal-hal negatif lainnya termasuk unsur SARA dalam proses penagihan.\u00a0Bahkan, OJK juga mengatur waktu penagihan bagi para penyelenggara kepada debitur maksimal hingga pukul 20.00 waktu setempat.<\/p>\n

Terakhir, Agusman juga menegaskan, para penyelenggara wajib bertanggung jawab terhadap semua proses penagihan. Artinya, debt collector atau jasa penagih yang memiliki kontrak dengan pihak penyelenggara berada di bawah tanggung jawab penyelenggara.<\/p>\n

Sebagaimana diketahui, road map ini sejalan dengan amanat Undang-Undang No.4 tahun 2023 tentang Pengembangan dan Penguatan Sistem Perbankan (UU PPSK).<\/p>\n

Adapun Pasal 306 UU PPSK mengatur jika pelaku usaha sektor keuangan (PUSK) melakukan pelanggaran dalam penagihan hingga memberikan informasi yang salah kepada nasabah akan dipidana penjara paling singkat 2 tahun dan paling lama 10 tahun dan pidana denda paling sedikit Rp 25 miliar dan Rp 250 miliar.<\/p>\n

Aturan Baru Penagihan Pinjol 2024<\/h3>\n

1. Penurunan Bunga dan Biaya Lain<\/h3>\n

Pemerintah mengatur besaran bunga pada pinjaman online. Hal itu tertuang dalam peta jalan Pengembangan dan Penguatan Layanan Pendanaan bersama Berbasis Teknologi Informasi (LPBBTI) dan Surat Edaran (SE) OJK 19\/SEOJK.06\/ 2023.<\/p>\n

Dalam SE OJK terbaru, besaran bunga peer to peer lending (P2P) kini diatur OJK. Otoritas membatasi bunga pinjol akan dibatasi menjadi 0,1% hingga 0,3% per hari. Sebelumnya Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) menetapkan maksimal bunga harian pinjol 0,4% per hari.<\/p>\n

Dalam SE OJK 19\/SEOJK.06\/ 2023, manfaat ekonomi yang dikenakan oleh penyelenggara adalah tingkat imbal hasil, termasuk bunga\/margin\/bagi hasil, biaya administrasi\/biaya komisi\/fee platform\/ujrah yang setara dengan biaya dimaksud, dan biaya lainnya, selain denda keterlambatan, bea meterai, dan pajak.<\/p>\n

Baca Juga:\u00a0Daftar Pinjol Ilegal Terbaru, Jangan Sampai Tertipu<\/a><\/strong><\/p>\n

Batasan untuk bunga pinjol untuk pinjaman konsumtif jangka pendek kurang dari 1 tahun, yaitu sebesar 0,3% per hari kalender dari nilai pendanaan yang tercantum dalam perjanjian pendanaan, yang berlaku selama satu tahun sejak 1 Januari 2024.<\/p>\n

2. Denda Keterlambatan<\/h3>\n

OJK juga mengatur denda keterlambatan bagi debitur dalam aturan baru. Untuk sektor produktif dendanya mencapai 0,1% per hari pada 2024. Denda keterlambatan turun menjadi 0,067% per hari pada 2026.<\/p>\n

\"Aturan
Aturan Baru Penagihan Debt Collector Pinjol 2024.<\/figcaption><\/figure>\n

Sementara denda keterlambatan untuk sektor konsumtif mencapai 0,3% per hari mulai 2024 dan 0,2% per hari pada 2025. Denda keterlambatan untuk sektor konsumtif turun kembali menjadi 0,1% per hari pada 2025<\/p>\n

3. Tak Boleh Pinjam Lebih dari 3 Platform<\/h3>\n

Debitur nantinya hanya boleh meminjam maksimal di tiga pinjol. Harapannya, konsumen bisa lepas dari upaya gali lubang tutup lubang pinjol. Penyelenggara harus memperhatikan kemampuan bayar kembali.<\/p>\n

4. Penagihan Hanya Sampai Jam 8 Malam<\/h3>\n

Aturan tersebut ada dalam roadmap pengembangan dan penguatan Layanan Pendanaan Bersama Berbasis Teknologi Informasi, yang mengatur ketentuan bagi para penyelenggara dan perlindungan konsumen.<\/p>\n

OJK juga akan mengatur waktu penagihan bagi para penyelenggara kepada debitur, maksimal hingga pukul 20.00 waktu setempat.<\/p>\n

Para penyelenggara wajib bertanggung jawab terhadap semua proses penagihan. Artinya, debt collector atau jasa penagih yang memiliki kontrak dengan pihak penyelenggara berada di bawah tanggung jawab penyelenggara.<\/p>\n

5. Memperketat Aturan Penagihan<\/h3>\n

Penyelenggara dilarang menggunakan ancaman, bentuk intimidasi, dan ha-hal negatif lainnya termasuk unsur SARA dalam proses penagihan.<\/p>\n

OJK juga melarang penagih melakukan intimidasi dan merendahkan suku, agama, ras, dan antargolongan (SARA), harkat, martabat, dan harga diri, di dunia fisik maupun di dunia maya (cyber bullying) baik kepada debitur, kontak darurat debitur, rekan, hingga keluarga.<\/p>\n

6. Kontak Darurat Bukan Buat Menagih<\/h3>\n

Kontak darurat bukan digunakan untuk melakukan penagihan pendanaan kepada pemilik data kontak darurat. Kontak darurat hanya untuk mengkonfirmasi keberadaan debitur apabila tidak dapat dihubungi, bukan untuk menagih.<\/p>\n

Sebelum menetapkan kontak darurat, platform P2P lending harus melakukan konfirmasi dan mendapatkan persetujuan dari pemilik data kontak darurat. Dengan demikian, kontak darurat tak asal dicantumkan. Penyelenggara mendokumentasikan konfirmasi dan persetujuan yang diberikan oleh pemilik data kontak darurat.<\/p>\n

7. Pinjol Wajib Asuransi<\/h3>\n

Penyelenggara P2P lending wajib memberikan fasilitas mitigasi risiko termasuk bekerja sama dengan perusahaan asuransi. Pengalihan risiko pendanaan sebagaimana dimaksud dapat dilakukan melalui mekanisme asuransi atau penjaminan.<\/p>\n

Regulator menyebut fintech P2P lending wajib bekerjasama dengan perusahaan asuransi atau perusahaan penjaminan yang memiliki izin usaha dari OJK sesuai dengan ketentuan perundang-undangan.\u00a0Nah, itu dia aturan tata cara penagihan fintech\u00a0P2P lending. Semoga informasi ini bermanfaat!<\/p>\n

cnbnws.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Aturan Baru Penagihan Debt Collector Pinjol 2024 JAKARTA, Nawacita – Aturan Baru Penagihan Debt Collector Pinjol 2024, Aturan baru bagi penagih utang atau debt collector pinjaman online (pinjol) peer-to-peer (P2P) lending diatur oleh Otoritas Jasa Keuangan (OJK), melalui peta jalan Lembaga Pendanaan Bersama Berbasis Teknologi Informasi (LPPBBTI). Kepala Eksekutif Pengawas Lembaga Pembiayaan, Perusahaan Modal Ventura, […]<\/p>\n","protected":false},"author":1386,"featured_media":210518,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,2],"tags":[27720,77669,24184,77671,46283,14372,77670,9403,21815],"class_list":{"0":"post-210516","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-hukum","8":"category-nasional","9":"tag-aturan-baru","10":"tag-aturan-baru-penagihan-debt-collector","11":"tag-debt-collector","12":"tag-fintech-p2p-lending","13":"tag-lembaga-jasa-keuangan","14":"tag-ojk-2","15":"tag-penagihan","16":"tag-pinjaman-online","17":"tag-pinjol"},"yoast_head":"\nAturan Baru Penagihan Debt Collector Pinjol 2024 - Nawacita<\/title>\n<meta name=\"description\" content=\"JAKARTA, Nawacita - Aturan Baru Penagihan Debt Collector Pinjol 2024, Aturan baru bagi penagih utang atau debt collector pinjaman online\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nawacita.co\/index.php\/2024\/05\/11\/aturan-baru-penagihan-debt-collector\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Aturan Baru Penagihan Debt Collector Pinjol 2024 - 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