Perlindungan Hukum Bagi Investor Reksa Dana Online Dalam Aplikasi Bibit

Abstract

With the development of information technology and the internet, online investment is starting to become the main priority in society. Online investment is a digital investment activity that uses internet technology. This investment model is increasingly favored by investors because of the online trading capabilities offered by investment companies and brokers. One of the investment instruments that is used as an investor's choice is mutual funds. An example of an investment application that sells mutual funds online is Bibit. The type of research used in this research is normative legal research. Normative legal research is a process to find a rule of law, legal principles, and legal doctrines in order to answer the legal issues faced. The results showed that the form of legal protection provided was in the form of preventive and repressive protection. The UUPM explains that the disclosure of information to the public is in the form of periodic reports. Through the Financial Services Authority Regulation Number 6/POJK.07/2022 concerning Consumer and Community Protection in the financial services sector, it is emphasized that financial services business actors together with consumers get legal protection certainty, so that in carrying out various financial service transactions it can be ensured that both parties get rights and legal guarantees and is able to strengthen the digital transaction network at this time. Mutual fund investment in the Bibit application is one of the investments with low risk. Mutual funds in the Bibit application were developed by PT. Bibit Tumbuh Bersama which was established in 2019 and mutual funds in the Bibit application offer investments with a very small nominal of Rp. 10,000.