Pengaturan P2P Lending di India, Apa Bedanya dengan Indonesia?

"Participant means a person who has entered into an arrangement with an NBFC-P2P to lend on it or to avail of loan facilitation services provided by it."

3. Syarat Pendaftaran bagi Penyelenggara P2P Lending di India

Jadi, di India, semua perusahaan penyelenggara P2P lending harus terdaftar dan mereka akan menerima yang namanya Certificate of Registration (CoR) dari Reserve Bank of India. Syaratnya apa untuk bisa terdaftar? Menurut Section 5 clause (I) point (iii), setiap perusahaan yang mendaftar harus mempunyai minimal net owned fund tidak kurang dari 20 juta rupee atau jumlah lain sebagaimana ditentukan lain oleh Reserve Bank of India.

"(ii) The Bank, for the purpose of considering the application for registration, shall require the following conditions, among others, to be fulfilled: 

a) The company is incorporated in India

b) The company has the necessary technological, entrepreneurial and managerial resources to offer such services to the participants; 

c) The company has the adequate capital structure to undertake the business of Peer to Peer Lending Platform; 

d) The promoters and the Directors of the company are fit and proper; 

e) The general character of the management of the company is not prejudicial to the public interest; 

f) The company has submitted a plan for, or implemented, a robust and secure Information Technology system; 

g) The company has submitted a viable business plan for conducting the business of Peer to Peer Lending Platform;