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Dispute Settlement Method for Lending in Supply Chain Financial Technology in Indonesia Trisadini Prasastinah Usanti; Fiska Silvia; Anindya Prastiwi Setiawati
International Journal of Supply Chain Management Vol 9, No 3 (2020): International Journal of Supply Chain Management (IJSCM)
Publisher : International Journal of Supply Chain Management

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Abstract— Recently, in response to the credit crunch and the increased costs of financing, new solutions for supporting the financial management of supply chains, known as supply chain finance (SCF), have been developed. The purpose of this research is to analyze how the dispute raised from the situations faced by people who involved in fintech peer to peer lending can be solved in fairness. The methodology used in this research are statute approach, conceptual approach, and comparison dispute settlement among Australia and Indonesia through law case study. According to the Indonesian Law as it is stated in BW (Civil Code for Indonesia), companies can settle their loan disputes by filing a lawsuit to the district court. This method is less effective because it is time consuming and costly, while it is not worth with the nominal value of the loan which is not that much. This situation leads to a demand of a faster, simpler and low-cost solution that can be accessed online. This method is called as small claim court method. This method is considerably new and basically is a simplified procedure of the existing dispute settlement. A strong note on this method is its weakness when the disputes happen cross-border. This aspect needs to be improved in many ways considering the current method is only applicable when the parties have the same judicial territory. Hopefully, the information technology strongly supports the task of the judiciary in order to enforce law and legal justice through the application of Electronic Court (e-court) which is in line with the principle of simple, fast and low cost of justice. Vice versa, fintech lending dispute resolution requires procedural law that can compensate for the technology that is developing rapidly. The information technology management referred to information management policies, institutional information management institutional arrangements, and electronic system structuring at the Supreme Court.
The Cooperation Between Conventional Commercial Banks and Rural Banks for Financial Inclusiveness Improvement of Small, Medium And Micro Enterprises Trisadini Prasastinah Usanti; Anindya Prastiwi Setiawati
Ius Positum Journal Of Law Theory And Law Enforcement Vol. 1 Issue. 2 (2022)
Publisher : jfpublshier

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One of the accesses to funding for MSMEs is by inclusive financing which conducted through the collaboration between conventional commercial banks (BUK) and rural credit banks (BPR) with executing, channeling and joint financing schemes. The MSMEs Credit Banking Cooperation (KPKU) between BUK and BPR aims to be mutually beneficial with the ultimate goal is for more financed MSMEs by banks. For BPRs that have limited funds, the KPKU is the main alternative source of funds apart from savings and time deposits. The executing, channeling and co-financing schemes have different characters, especially to parties that dividing the funds to MSMEs debtors and parties who bear the risk due to non-payment funds that have been distributed to MSMEs. This research is a normative research using statutory and conceptual approach.