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Septira Putri Mulyana
University of Mataram
Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Normative analysis of the legal construction of minimum foreign direct investment requirements under Government Regulation No. 28 of 2025 Septira Putri Mulyana; Febrihadi Suparidho
Priviet Social Sciences Journal Vol. 6 No. 6 (2026): June 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v6i6.1136

Abstract

Government Regulation No. 28 of 2025 on Risk-Based Business Licensing reinforces the regulatory framework concerning minimum investment thresholds for Foreign Direct Investment (FDI) with the aim of enhancing investment quality and restructuring the national economic landscape. The minimum investment requirement stipulated in Article 212 paragraph (2) raises several normative issues related to its consistency with the fundamental principles of investment law, legal certainty, and the regulatory objectives of the risk-based licensing reform. This study seeks to examine the legal construction of the minimum investment requirement for FDI in Government Regulation No. 28 of 2025 and to assess its conformity with Indonesia’s investment law principles. This research employs a normative legal method, using statutory and conceptual approaches. Data were analyzed qualitatively through legal interpretation and principles-based analysis. The findings indicate that the minimum investment requirement possesses a ratio legis as a mechanism for selecting qualified foreign investors; however, it still presents ambiguities in relation to the principles of non-discrimination and proportionality within investment law. These results underscore the need for normative harmonization and the development of clearer implementing guidelines to strengthen legal certainty for business actors.
Problematika dan Reformulasi Pengaturan Pembiayaan Investasi dalam Peraturan Otoritas Jasa Keuangan pada Era Digital Financial Services Septira Putri Mulyana; I Gusti Bagus Sakah Sumaragatha
Private Law Vol 6 No 2 (2026): Private Law Universitas Mataram
Publisher : Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/e5c3bf26

Abstract

Akselerasi era Digital Financial Services (DFS) telah mendisrupsi tatanan operasional industri perusahaan pembiayaan produktif di Indonesia. Penelitian ini bertujuan untuk menganalisis karakteristik pengaturan pembiayaan investasi dalam POJK Nomor 35/POJK.05/2018, mengidentifikasi problematika yuridis yang muncul di era digital, serta merumuskan konsep reformulasi regulasi yang ideal. Metode penelitian yang digunakan adalah hukum normatif dengan pendekatan perundang-undangan, konseptual, dan futuristis. Hasil penelitian menunjukkan bahwa meskipun transisi dari Perpres Nomor 9 Tahun 2009 ke POJK Nomor 35/POJK.05/2018 berhasil mengukuhkan kedudukan pembiayaan investasi untuk sektor produktif, aturan ini memicu kesenjangan hukum (rechtsvacuüm) dan benturan norma (conflict of norms). Masalah utama bersumber dari kewajiban verifikasi fisik lapangan kaku yang mengabaikan efisiensi transaksi elektronik UU ITE, kekosongan aturan tata kelola siber atas praktik Alternative Credit Scoring pasca-berlakunya UU Perlindungan Data Pribadi, serta pembatasan kaku plafon pembiayaan langsung sebesar Rp500 juta. Penelitian ini merekomendasikan OJK untuk mereformulasi regulasi dengan mengkodifikasi prinsip kesetaraan fungsional (functional equivalence principle) berbasis risiko, melembagakan regulatory sandbox khusus industri multifinance, serta melakukan sinkronisasi ambang batas plafon pembiayaan secara dinamis mengacu pada rezim hukum kontemporer POJK Nomor 46 Tahun 2024 dan POJK Nomor 35 Tahun 2025.
Co-Authors Febrihadi Suparidho I Gusti Bagus Sakah Sumaragatha