JAKARTA (!) -Otoritas Jasa Keuangan (OJK) menyebutkan hingga saat ini baru tiga perusahaan financial technology (fintech) bidang pinjam meminjam langsung (peer to peer lending) yang diterima sebagai yang terdaftar di regulator.
“Saat ini yang masih proses 25 perusahaan, yang sudah terdapat pendaftaran tiga perusahaan,” kata Direktur Pengawasan Lembaga Pembiayaan OJK Tuahta Aloysius Saragih di Jakarta, Selasa.
Salah satu syarat dalam pendaftaran yaitu minimal permodalan perusahaan fintech sebesar Rp1 miliar. Kemudian modal tersebut harus ditambahkan menjadi Rp2,5 miliar apabila ingin mengajukan izin. Peraturan tersebut tercantum dalam POJK Nomor 77/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi yang diterbitkan pada 29 Desember 2016.
Menurut Aloysius, sesuai POJK Nomor 77/2016, jika terdapat perusahaan fintech belum siap untuk memenuhi syarat-syarat pendaftaran, maka diberikan kesempatan tambahan waktu selama enam bulan sejak 29 Juni hingga 29 Desember 2017.
Setelah 29 Desember 2017, seluruh perusahaan fintech bidang peer to peer lending harus terdaftar di OJK. “Jika tidak, OJK bisa memanggil dan memeriksa,” ujar Aloysius.
Aloysius mengakui bahwa bisnis fintech memiliki volatilitas yang tinggi dan sulit diprediksi. Hal itu pula yang menjadi bahan pertimbangan perusahaan Fintech untuk memenuhi syarat-syarat pendaftaran yang diminta OJK.
“Jadi memang bisnis fintech itu ada kemungkinan tidak berkembang. Maka itu OJK total berikan waktu satu tahun untuk persiapkan usahanya,” ujar dia.
Menurut Aloysius, OJK memang saat ini belum memiliki departemen khusus untuk pengawasan usaha fintech, tetapi dia menyatakan OJK secara aktif telah menjalin sinergi dengan departemen, serta kementerian/lembaga terkait untuk membahas mengenai peraturan serta pengawasan kepada pelaku industri fintech.(ant/arh)
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