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The Effectiveness of Financial Services Authority Supervision of Leasing Companies from the Perspective of State Administrative Law Gunarto Wardono; Mustofa Kamil; Rahmat Wijaya; Juhana Nuryana; Raliyanto Budi Wikarno; Hikmat Ansori
International Journal of Business and Quality Research Vol. 4 No. 02 (2026): April-June, International Journal of Business and Quality Research (IJBQR)
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v4i02.3535

Abstract

This study evaluates the effectiveness of the Financial Services Authority (OJK) in supervising leasing companies and identifies systemic challenges in consumer protection from an Administrative Law perspective. Employing a normative legal methodology with a contextual approach, the research analyzes primary regulations, including the OJK Law, Consumer Protection Law, Fiduciary Guarantee Law, and relevant Constitutional Court rulings, alongside documented field practices. Findings reveal a persistent implementation gap between formal regulatory mandates and practical enforcement. Despite measurable declines in consumer complaints, aggressive debt collection, unilateral fiduciary executions, and opaque contractual practices remain prevalent. From an administrative law standpoint, these shortcomings reflect vulnerabilities in applying legitimacy, proportionality, and accountability principles, compounded by regulatory fragmentation, limited institutional capacity, and weak inter-agency coordination. The study concludes that OJK’s supervisory framework requires structural reform to transition from compliance-based monitoring to outcome-oriented governance. Recommendations include harmonizing overlapping regulations, establishing joint enforcement task forces, integrating data-driven monitoring systems, and implementing sustained consumer literacy initiatives. Ultimately, aligning financial supervision with foundational administrative law tenets is essential to strengthen institutional credibility, ensure equitable consumer protection, and foster a resilient leasing sector in Indonesia.
HUBUNGAN SENGKETA DALAM CV STABILITAS OPERASIONAL PERUSAHAAN Juhana Nuryana; Pandri Zulfikar; Rifqi Syifa’ul Qolbi; Muslimin; Hikmat Ansori; Dian Retno Widayati
Berajah Journal Vol. 6 No. 3 (2026): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v6i3.492

Abstract

Commanditaire Vennootschap (CV) is a commercial partnership with unique characteristics involving the separation of roles between managing partners and limited partners. Disputes arising within CV, whether internal or external, significantly impact company operational stability. This study aims to analyze the causal relationship between disputes in CV and company operational stability, and to evaluate effective dispute resolution mechanisms in maintaining business continuity. The research method used is normative legal research with conceptual and statutory approaches. The results indicate that internal disputes between managing partners and limited partners, typically stemming from unclear authority distribution under Article 20 of the Commercial Code, negatively affect financial stability, company reputation, and internal partner relationships. External disputes with third parties, particularly regarding breach of contract and industrial relations disputes, cause operational disruptions, decreased productivity, and financial losses. This study recommends strengthening Alternative Dispute Resolution (ADR) mechanisms, clarifying cooperation agreements, and implementing periodic audits as risk mitigation strategies for CV disputes.