Hasil Pencarian  ::  Simpan CSV :: Kembali

"ABSTRAKTeknologi telah berhasil mendisrupsi semua yang kita ketahui, termasuk sektor keuangan. Ribuan startup telah tercupta di seluruh dunia, dengan yang paling populer selama beberapa tahun terakhir ini adalah fintech. Di Indonesia, fintech baru mulai mencuat baru-baru ini. Berfokus pada Peer-to-Peer Lending, penelitian ini mencoba untuk memahami bagaimana persepsi investor terhadap layanan peer-to-peer lending dan bagaimana hal itu mempengaruhi niat berkelanjutan untuk menggunakan platform. Studi ini telah mengumpulkan 110 responden yang memiliki pengalaman dalam berinvestasi dalam platform Peer-to-Peer Lending. Metode Partial Least Square digunakan untuk menguji model yang diusulkan, yang menghasilkan risiko keuangan memiliki efek paling negatif pada intensi berkelanjutan pengguanaan Peer-to-Peer Lending, sedangkan Economic Benefit memiliki efek positif terkuat. Studi ini dapat berkontribusi untuk memahami manfaat dan faktor risiko yang mempengaruhi intensi penggunaan Peer-to-Peer Lending secara berkelanjutan, karena studi tentang topik ini masih sangat sedikit.

---

ABSTRACTTechnology has come to disrupt everything we know, including the financial sector. Thousands of startups had has risen around the world, with the most popular one for these few years were Financial Technology. In Indonesia, such thing has just gained its fame recently. Focusing on Peer to Peer Lending, this study tries to understand how people on lender side perceived the services and how that affecting the continuous intention to use the platform. This research has collected 110 participants that have experience on investing at Peer to Peer Lending platforms. Partial Least Square method was used to test the proposed model, resulting on financial risk had the most negative effect on Peer to Peer Lending continuance intention, while economic benefit had the strongest positive effect. This study can contribute to understand the benefit and risk factors that affecting the Peer to Peer Lending continuance intention, as there are very limited number of study regarding the topic. "

"ABSTRAKSkripsi ini membahas mengenai pengaturan beneficial ownership dantransparasinya di Indonesia, yang mana pengaturannya ditemukan di dalam sektoragraria, investasi, keuangan, pasar modal, perpajakan dan perindustrian, skripsi inijuga membahas pengaturan internasional terkait dengan beneficial ownership,yaitu terdapat didalam OECD Model Tax Convention 1977 and 2014 Update,FATF Guidance on Beneficial Ownership and Transparency 2014 dan G20 High-Level Principles on Beneficial Ownership Transparency 2014 sebagai panduaninternasional dari pengaturan di Indonesia, pada penelitian yuridis normatif iniakan dijelaskan analisis pengaturan beneficial ownership di Indonesia denganpengaturan internasional dan analisis pengaturan antar sektor untuk keperluanharmonisasi peraturan perundang-undangan sehingga dicapai pengaturan yanglebih baik dan mencegah kerugian negara yang diakibatkan corporate crimes danpelanggaran lainnya.

---

ABSTRACTThis thesis discusses the regulations on beneficial ownership and it's transparencyin Indonesia, the regulations are found in the agrarian, investment, finance, capitalmarkets, taxation and industry sectors, this thesis also discusses internationalregulations relating to beneficial ownership that contained in the OECD ModelTax Convention 1977 and 2014 Update, FATF guidance on Beneficial Ownershipand Transparency 2014 and the G20 High-Level Principles on Beneficialownership Transparency 2014 as international guidelines of the regulations inIndonesia, at this juridical normative thesis there will be an analysis of beneficialownership regulations in various sectors with international regulations and acomparative analysis among aforementioned sectors for regulationsharmonization with purpose of achieving better beneficial ownership regulationsand prevention state losses caused by corporate crimes and another violations."

"Daya saing merupakan permasalahan klasik bagi industri pengolahan Indonesia khususnya sektor mikro dan kecil. Salah satu upaya untuk meningkatkan daya saing adalah penerapan sertifikasi produk. Dengan menggunakan data cross-section dari Survei IMK Tahun 2019 yang dikeluarkan BPS dan metode regresi OLS dan Logit, penelitian ini bertujuan untuk menganalisis dampak penerapan sertifikasi produk yaitu SNI, sertifikat nasional lainnya, sertifikasi internasional, dan merek dagang terhadap peningkatan daya saing industri mikro dan kecil di Indonesia. Daya saing diukur dengan nilai tambah, produktivitas tenaga kerja dan ekspor. Hasil menunjukan bahwa kepemilikan sertifikat internasional dan merek dagang berpengaruh signifikan terhadap peningkatan nilai tambah, produktivitas tenaga kerja dan ekspor IMK. Sedangkan sertifikat SNI hanya berpengaruh terhadap peningkatan produktivitas tenaga kerja. Selain itu penelitian ini juga melihat dampak sertifikasi produk berdasarkan ukuran usaha. Hasil menunjukan bahwa sebagian besar sertifikasi produk lebih berpengaruh pada industri mikro dibandingkan dengan industri kecil. Dengan demikian pemerintah dapat melanjutkan dan mengintegrasikan program fasilitasi sertifikasi produk bagi IMK sebagai upaya mendorong peningkatan daya saing IMK.

---

Competitiveness is a classical problem for the Indonesian manufacturing industry, especially the micro and small industrie. One of the efforts to improve competitiveness is the application of product certification. Using cross-sectional data from Survey IMK 2019 from BPS and using OLS and Logit regression methods, this study aims to analyze impact from product certification namely SNI, other national certificates, international certifications, and trademarks to increasing the competitiveness of micro and small industries in Indonesia. Competitiveness measured by value added, labor productivity and exports. The results show that ownership of international certificates and trademarks has an effect on increasing value added, labor productivity and IMK exports. While the SNI certificate only affects the increase in labor productivity. In addition, this study also analyze at product certification based on business size. The results show that most of product certification has more influence on micro industries compared to small industries. Thus, the government can continue and integrate the certificate facilitation for IMK to encourage IMK’s competitiveness.         "

"Pertumbuhan internet yang cepat dan kemajuan teknologi telah menyebabkan berkembangnya layanan keuangan baru dan inovatif atau disebut juga financial technology (fintech). Peer-to-Peer Lending adalah salah satu kategori Fintecth yang memfasilitasi mekanisme pinjam meminjam melalui Internet tanpa adanya jaminan dan tidak terlibatnya lembaga keuangan. Kepercayaan perlu dibangun dalam menghadapi risiko yang tinggi ketika menggunakan sistem pinjaman online. Kepercayaan antara lender dan borrower telah banyak dibahas, namun masih sedikit studi yang fokus kepada kepercayaan terhadap platform pinjaman. Studi ini dilakukan untuk memahami faktor penting yang mendorong kepercayaan lender terhadap platform untuk berinvestasi pada Peer-to-Peer Lending Platform. Penelitian ini mengumpulkan 180 responden yang memiliki pengalaman berinvestasi di Peer-to-Peer Lending Platform Indonesia. Model penelitian kemudian diuji secara empiris menggunakan metode Structural Equation Modeling (SEM) dengan hasil hubungan positif antara Perceived Regulatory Protection, Service Quality, dan Security Protection dengan Trust in Platform dan Trust in Platform mempengaruhi Willingness to Lend secara positif. Penemuan dari penelitian ini memberikan tambahan wawasan bagi akademis di masa depan dan sebagai pedoman bagi Peer-to-Peer Lending Platform.

---

The rapid internet growth and advancement in technology has led to the expansion of a new and innovative financial service or financial technology (Fintech). Peer-to-Peer Lending is one of the Fintech categories that facilitate lending mechanism between lender and borrower through the Internet without the involvement of collateral and financial institutions. Trust must be cultivated to tackle the high risk while using the online lending systems. Trust between lender and borrower have been discussed a lot, but there are limited studies focusing on trust towards lending platforms. This study aims to understanding the critical factors that drive lender’s trust in platform to invest on Peer-to-Peer Lending Platform. To test the model, 180 participants with investing in Indonesian Peer-to-Peer Lending experiencee were collected. The proposed model is empirically tested using Structural Equation Modeling (SEM) resulting positive effect of Perceived Regulatory Protection, Service Quality, and Security Protection on Trust in Platform and Trust in Platform positively affecting Willingness to Lend. The findings of this research provide valuable insights for future academic studies as well as practical guidance for Peer-to-Peer Lending Platform. "

"P2P Lending merupakan perpaduan antara inovasi keuangan dan teknologi. Mengingat pesatnya perkembangan pasar P2P Lending, ada kebutuhan untuk memahami niat investasi awal calon investor pada platform P2P Lending. Tujuan dari penelitian ini adalah untuk menjelaskan pengaruh masing-masing faktor terhadap kepercayaan awal dan persepsi risiko dan kemudian menghubungkannya kembali dengan niat investasi. Faktor-faktor dalam penelitian ini terbagi menjadi dua yaitu faktor individu yang didalamnya terdapat selera risiko dan kecenderungan untuk percaya, dan faktor platform yang didalamnya terdapat persepsi kemudahan penggunaan, persepsi keamanan, persepsi reputasi, persepsi lembaga legalitas, maka kedua faktor tersebut. dimediasi oleh kepercayaan awal dan risiko yang dirasakan dan kemudian memberikan penjelasan tentang niat untuk berinvestasi di P2P Lending. Penelitian ini mengumpulkan data menggunakan kuesioner dengan teknik purposive sampling dalam mengumpulkan data yang dibutuhkan. Sampel yang digunakan dalam penelitian ini adalah mahasiswa S1 dan SMK Universitas Indonesia sebanyak 203 mahasiswa Universitas Indonesia yang sudah mewakili seluruh fakultas yang ada. Temuan penelitian ini adalah niat investasi akan meningkat secara signifikan jika dipengaruhi oleh persepsi keamanan dan reputasi melalui kepercayaan awal pada P2P lending.

---

P2P Lending is a blend of financial and technological innovation. Given the rapid development of the P2P Lending market, there is a need to understand potential investors' initial investment intentions on the P2P Lending platform. The purpose of this study is to explain the effect of each factor on initial belief and risk perception and then relate it back to investment intention. The factors in this study are divided into two, namely individual factors in which there is an appetite for risk and a tendency to trust, and platform factors in which there are perceptions of ease of use, perceptions of security, perceptions of reputation, perceptions of legality institutions, then these two factors. mediated by initial trust and perceived risk and then provides an explanation of the intention to invest in P2P Lending. This study collects data using a questionnaire with purposive sampling technique in collecting the required data. The samples used in this study were undergraduate and vocational students at the University of Indonesia as many as 203 students from the University of Indonesia who already represented all existing faculties. The findings of this study are that investment intentions will increase significantly if it is influenced by perceptions of security and reputation through initial trust in P2P lending."

"[ABSTRAKReformasi dalam tata kelola penyelenggaraan pemerintah kita kenal denganistilah reformasi birokrasi. Beberapa permasalahan yang dihadapi adalahperbedaan pemahaman terhadap peraturan dan manajemen sumber daya manusiaaparatur belum dilaksanakan secara optimal untuk meningkatkan profesionalisme,kinerja pegawai dan organisasi. Tunjangan kinerja merupakan cara yangdigunakan untuk meningkatkan profesionalisme kinerja pegawai sebagai bentukpenghargaan terhadap prestasi kerja Aparatur Sipil Negara dalam rangkapelaksanaan reformasi birokrasi. Tesis ini berupaya untuk mengetahui kesesuaianPERMEN KP Nomor 30/PERMEN-KP/2013 dalam hal penilaian dan pemberiantunjangan kinerja sebagaimana Undang-Undang Nomor 5 Tahun 2014 tentangAparatur Sipil Negara mengaturnya dalam Manajeman Aparatur Sipil Negara(ASN) serta menganalisis dampak pemberian tunjangan kinerja dapatmempengaruhi peningkatan kinerja pegawai Inspektorat Jenderal (Itjen KKP)apabila dikaitkan dengan asas akuntabilitas dalam hukum administrasikepegawaian. Penulisan tesis ini menggunakan metode penelitian yuridis normatifdengan melihat, menelaah dan menginterpretasikan hal-hal yang bersifat teoritisyang menyangkut asas-asas hukum berupa konsepsi, peraturan perundangundangan,pandangan, doktrin hukum dan sistem hukum yang berkaitan.Berdasarkan analisis, perbedaan pemahaman mengenai peraturan pada tingkatpusat terhadap pengisian penilaian kinerja yang dilakukan berdampak tidakberjalannya penilaian kinerja secara teratur dan tertib. Pemberian tunjangankinerja pada lingkup Itjen KKP belum menunujukkan peningkatan kinerja yangsignifikan. Hal ini berakibat terhadap terhambatnya pelaksanaan reformasibirokrasi sebagai perubahan besar dalam tata kelola pemerintahan (goodgovernance) di lingkup Itjen KKP.

---

ABSTRACTReform of governmental performance management so called BureaucracyReform. Some faced problems are the difference between comprehension toregulation and human resource (apparatus) management had not beenimplemented to increase professionalism, employees performance andorganization optimally. Performance support/allowance is any method to increaseprofessionalism of employees performance as any appreciation/award toachievement of State Civil Servant within framework of bureaucracy reformationimplementation. This thesis had endeavored to know suitability of GovernmentalRegulation of Marine and Fishery No. 30/PERMEN-KP/2013 regardingevaluation and performance awarding/supporting as Law No.5 of 2014 on StateCivil Apparatus regulating in State Civil Apparatus (ASN) management andimpact analysis of such performance awarding/supporting may influenceemployees performance increasing of General Inspectorate of Maritime andFishery Ministry if it is related with accountability principles in employeeadministrative law. This thesis writing uses normative and juridical researchmethod by observing, studying and interpreting theories relating to legal principlesuch as conception, rules and regulation, legal doctrine and related law system.Based on analysis, comprehension on regulation at central/state level againstperformance evaluation completing having impact that performance evaluationmay not be implemented regularly and orderly. Performance awarding/supportingat scope of General Inspectorate of Ministry of Marine Affairs and Fisheries hadnot indicated significant performance increasing. It result in the hindrance ofbureaucracy reform implementation of good governance at scope of GeneralInspectorate of Ministry of Marine Affairs and Fisheries.;Reform of governmental performance management so called BureaucracyReform. Some faced problems are the difference between comprehension toregulation and human resource (apparatus) management had not beenimplemented to increase professionalism, employees performance andorganization optimally. Performance support/allowance is any method to increaseprofessionalism of employees performance as any appreciation/award toachievement of State Civil Servant within framework of bureaucracy reformationimplementation. This thesis had endeavored to know suitability of GovernmentalRegulation of Marine and Fishery No. 30/PERMEN-KP/2013 regardingevaluation and performance awarding/supporting as Law No.5 of 2014 on StateCivil Apparatus regulating in State Civil Apparatus (ASN) management andimpact analysis of such performance awarding/supporting may influenceemployees performance increasing of General Inspectorate of Maritime andFishery Ministry if it is related with accountability principles in employeeadministrative law. This thesis writing uses normative and juridical researchmethod by observing, studying and interpreting theories relating to legal principlesuch as conception, rules and regulation, legal doctrine and related law system.Based on analysis, comprehension on regulation at central/state level againstperformance evaluation completing having impact that performance evaluationmay not be implemented regularly and orderly. Performance awarding/supportingat scope of General Inspectorate of Ministry of Marine Affairs and Fisheries hadnot indicated significant performance increasing. It result in the hindrance ofbureaucracy reform implementation of good governance at scope of GeneralInspectorate of Ministry of Marine Affairs and Fisheries.;Reform of governmental performance management so called BureaucracyReform. Some faced problems are the difference between comprehension toregulation and human resource (apparatus) management had not beenimplemented to increase professionalism, employees performance andorganization optimally. Performance support/allowance is any method to increaseprofessionalism of employees performance as any appreciation/award toachievement of State Civil Servant within framework of bureaucracy reformationimplementation. This thesis had endeavored to know suitability of GovernmentalRegulation of Marine and Fishery No. 30/PERMEN-KP/2013 regardingevaluation and performance awarding/supporting as Law No.5 of 2014 on StateCivil Apparatus regulating in State Civil Apparatus (ASN) management andimpact analysis of such performance awarding/supporting may influenceemployees performance increasing of General Inspectorate of Maritime andFishery Ministry if it is related with accountability principles in employeeadministrative law. This thesis writing uses normative and juridical researchmethod by observing, studying and interpreting theories relating to legal principlesuch as conception, rules and regulation, legal doctrine and related law system.Based on analysis, comprehension on regulation at central/state level againstperformance evaluation completing having impact that performance evaluationmay not be implemented regularly and orderly. Performance awarding/supportingat scope of General Inspectorate of Ministry of Marine Affairs and Fisheries hadnot indicated significant performance increasing. It result in the hindrance ofbureaucracy reform implementation of good governance at scope of GeneralInspectorate of Ministry of Marine Affairs and Fisheries., Reform of governmental performance management so called BureaucracyReform. Some faced problems are the difference between comprehension toregulation and human resource (apparatus) management had not beenimplemented to increase professionalism, employees performance andorganization optimally. Performance support/allowance is any method to increaseprofessionalism of employees performance as any appreciation/award toachievement of State Civil Servant within framework of bureaucracy reformationimplementation. This thesis had endeavored to know suitability of GovernmentalRegulation of Marine and Fishery No. 30/PERMEN-KP/2013 regardingevaluation and performance awarding/supporting as Law No.5 of 2014 on StateCivil Apparatus regulating in State Civil Apparatus (ASN) management andimpact analysis of such performance awarding/supporting may influenceemployees performance increasing of General Inspectorate of Maritime andFishery Ministry if it is related with accountability principles in employeeadministrative law. This thesis writing uses normative and juridical researchmethod by observing, studying and interpreting theories relating to legal principlesuch as conception, rules and regulation, legal doctrine and related law system.Based on analysis, comprehension on regulation at central/state level againstperformance evaluation completing having impact that performance evaluationmay not be implemented regularly and orderly. Performance awarding/supportingat scope of General Inspectorate of Ministry of Marine Affairs and Fisheries hadnot indicated significant performance increasing. It result in the hindrance ofbureaucracy reform implementation of good governance at scope of GeneralInspectorate of Ministry of Marine Affairs and Fisheries.]"

"Kemajuan teknologi telah mengarah pada pembentukan konsep peer-to-peer lending, yang memberikan pinjaman untuk usaha mikro, kecil dan menengah UMKM di internet tanpa lembaga keuangan seperti bank. Namun, karena ini adalah metode pembiayaan baru, kepercayaan perlu dibina untuk mempengaruhi pemberi pinjaman untuk dipinjamkan. Penelitian ini bertujuan untuk menganalisis pengaruh kepercayaan pada peminjam, kepercayaan pada perantara dan manfaat yang dirasakan pada intensi untuk memberikan pinjaman kepada UMKM di Indonesia dalam pinjaman peer-to-peer. Hasil penelitian mencatat bahwa intensi untuk meminjamkan dalam platform pinjaman peer-to-peer secara signifikan dipengaruhi oleh manfaat yang dirasakan dari transaksi, sementara kepercayaan baik peminjam dan kepercayaan dalam peer-to-peer lending intermediary tidak memainkan keharusan faktor untuk mempengaruhi kemauan pemberi pinjaman untuk meminjamkan.

---

Recent technological advancements have led to the establishment of online peer to peer lending concept, which allows lending for small and medium enterprises in the internet without the inclusion of financial institutions such as banks. However, since this is a new financing method, trust needs to be cultivated to influence lenders to lend. This research aims to analyze the effect of trust in borrower, trust in intermediary and perceived benefit on the intention to lend to small and medium enterprises in Indonesia in peer to peer lending.

The results of the research notes that willingness to lend in peer to peer lending platform is significantly influenced by the perceived benefit of the transaction, while trust in both borrower and trust in the peer to peer lending intermediary do not play an imperative factor to affect lenders willingness to lend."

"Usaha Mikro, Kecil, dan Menengah UMKM memiliki peran penting dalam mendukung perekonomian Indonesia. Keterbatasan akses untuk mendapatkan pinjaman modal melalui perbankan bukan lagi menjadi kendala bagi UMKM untuk berkembang karena saat ini banyak perusahaan start-up berbasis peer-to-peer lending P2P lending yang memberikan peluang pembiayaan. Meski demikian, tidak semua platform P2P lending dapat menggalang dana sejumlah yang diajukan oleh peminjam UMKM secara penuh dan sesuai dengan tenggat waktu yang diberikan. Penelitian ini bertujuan untuk mengetahui faktor apa saja yang mempengaruhi keinginan investor untuk menanamkan modal pada UMKM melalui platform P2P lending di Indonesia. Penelitian ini menggunakan PLS-SEM dengan alat bantu SmartPLS 3.2.7 untuk melakukan analisis data terhadap 214 responden yang terdaftar pada platform P2P lending. Hasil dari penelitian ini menunjukkan bahwa keinginan investor untuk menanamkan modal pada UMKM ditentukan oleh faktor perceived risk, dan kepercayaan investor terhadap platform P2P lending platform trust. Faktor perceived risk berbanding terbalik dengan tingkat keinginan investor untuk menanamkan modal, sedangkan faktor platform trust berbanding lurus dengan keinginan investor untuk menanamkan modal. Dengan demikian, dapat disimpulkan bahwa semakin sedikit risiko yang mungkin muncul dan semakin tinggi kepercayaan investor terhadap platform P2P lending, maka semakin tinggi pula keinginan investor untuk menanamkan modal pada UMKM melalui platform P2P lending.

---

Micro, Small and Medium Enterprises MSMEs have important role in supporting economy in Indonesia. Limited access to capital loans through banking is no longer an obstacle for MSMEs to grow since there are many start-up companies peer-to-peer lending P2P lending based that provide such financing opportunities. However, not all of P2P lending platforms can raise funds submitted by the borrower MSME in full amount and in accordance with the given deadlines.

This study aims to determine what factors that affect the desire of investors to invest in MSMEs through P2P lending platform in Indonesia. This study uses PLS-SEM with SmartPLS 3.2.7 for data analysis of 214 respondents registered on P2P lending platform.

The results indicate that the desire of investors to invest in MSME is determined by perceived risk factors, and investor's trust in P2P lending platform platform trust. Perceived risk inversely proportional to the level of investor desire to invest, while platform trust is directly proportional to the desire of investors to invest. Thus, it can be concluded that the less risk that may arise and the higher the investor's trust in P2P lending platform, the higher the investor's desire to invest in MSMEs through P2P lending platform."

"ABSTRAKFintech Peer to Peer Lending saat ini sedang mengalami pertumbuhan yang meningkat pada industrinya, termasuk di Indonesia. Sayangnya pertumbuhan industri ini tidak dilengkapi dengan peraturan/lembaga perlindungan dana yang jelas untuk para lender nya dari risiko gagal bayar, baik itu dari OJK maupun platform sebagai penyelenggara. Pada akhirnya peneliti mencoba mencari tahu pengaruh mengenai perlindungan lender dari risiko gagal bayar tersebut terhadap intensi lender dalam memberikan pinjaman yang dimediasi dan dimoderasi oleh kepercayaan pada platform. Penelitian ini menggunakan metode Structural Equation Model SEM dengan jumlah data yang diperoleh sebanyak 303 melalui kuesioner online. Peneliti juga mencari tahu mengenai persepsi lender, apakah beberapa perlindungan yang sudah ditawarkan oleh platform sudah cukup melindungi mereka atau tidak dari risiko gagal bayar. Hasil penelitian menunjukan bahwa pengaruh antar variabel terbukti positif, signifikan, memiliki mediasi berupa partial mediation, moderasi berupa partial moderation, serta variabel platform trust terbukti menguatkan hubungan antara iv dan dv. Beberapa perlindungan yang ditawarkan platform pun sudah dianggap cukup melindungi walaupun masih ada yang dianggap belum cukup melindungi sehingga perlu di perbaiki kembali oleh pihak platform.

---

ABSTRACTFintech Peer to Peer Lending is currently experiencing an increasing growth in its industry, including in Indonesia. Unfortunately, the growth of this industry is not equipped with a clear regulation fund protection institution for its lenders from the risk of default, either from OJK or the platform as the organizer. Finally, the researcher tries to find out the effect of lender protection from thedefault risk against lending intention mediated and moderated by platform trust. This study uses Structural Equation Model SEM method with the amount of data obtained as much as 303 through the online questionnaire. Researchers also find out about the perception of lenders, whether some of the protection already offered by the platform is enough to protect them or not from the risk of default. The results showed that the influence between variables proved positive, significant, had partial mediation, had partial moderator, and the variable platform trust proved to strengthen the relationship between iv and dv. Some protection was considered sufficient to protect although there are still considered not enough to protect so need to be repaired again by the platform. "

"Perkembangan Peer to Peer (P2P) Lending memunculkan potensi pencucian uang. Pelaku pencucian uang dapat menjalankan modus pencucian uang dengan menjadi pemberi pinjaman (Lender) dan menginvestasikan dana di P2P Lending. Kemudahan proses registrasi menjadi Lender dapat meningkatkan potensi pencucian uang. Permasalahan yang muncul dari kemudahan proses registrasi Lender antara lain data registrasi Lender tidak lengkap, tidak valid, palsu, atau milik orang lain. Penelitian ini bertujuan untuk menghasilkan rancangan modul registrasi Lender pada P2P Lending Platform agar dapat mencegah potensi pencucian uang dari proses registrasi Lender. Penelitian ini menggunakan Waterfall Development untuk metodologi pengembangan sistemnya. Pengumpulan data dilakukan dengan mewawancarai narasumber dari Otoritas Jasa Keuangan (OJK) selaku regulator P2P Lending dan Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) selaku lembaga yang fokus terhadap pencucian uang. Pengumpulan data juga dilakukan dengan studi dokumen aturan-aturan yang relevan. Hasil wawancara dan studi dokumen tersebut dianalisis untuk penyusunan requirements sistem. Penelitian ini menghasilkan rancangan modul registrasi Lender pada P2P Lending dengan sebelas use cases yang bertujuan untuk mengatasi celah potensi pencucian uang di proses registrasi Lender. Validasi dilakukan melalui expert judgment yang melibatkan Staf Senior Direktorat Pengawasan Kepatuhan dikarenakan rancangan ini belum diimplementasikan menjadi sistem yang dapat diuji coba. Rekomendasi untuk penelitian selanjutnya yaitu penelitian dapat dikembangkan dengan mengidentifikasi potensi pencucian uang dari berbagai celah yang mungkin dari P2P Lending Platform.

---

The development of Peer to Peer (P2P) Lending raises the potential for money laundering. Money launderers can perform money laundering mode by becoming a lender and investing funds in P2P Lending. The ease of the registration process to become a lender can increase the potential for money laundering. Problems that arise from the ease of the lender registration process include incomplete, invalid, fake, or other people's registration data. This study aims to produce a design for the lender registration module on the P2P Lending Platform in order to prevent potential money laundering from the lender registration process. This study uses Waterfall Development for system development methodology. Data collection was carried out by interviewing sources from the Financial Services Authority (OJK) as the P2P Lending regulator and the Financial Transaction Reports and Analysis Center (PPATK) as an institution that focuses on money laundering. Data collection was also carried out by studying the relevant regulations documents. The results of interviews and document studies were analyzed for the preparation of system requirements. This research produces a module design for lender registration in P2P Lending with eleven use cases that aims to address the potential gap for money laundering in the lender registration process. Validation is carried out through expert judgment involving the Senior Staff of the Compliance Supervision Directorate because this design has not been implemented into a system that can be tested. The recommendation for further research is that research can be developed by identifying the potential for money laundering from various possible loopholes of the P2P Lending Platform."