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Journal : Pembaharuan Hukum

Legal Analysis of Financial Sector Supervision and Regulation for Consumer Protection in Financial Services Guntara, Deny; Abas, Muhamad
Jurnal Pembaharuan Hukum Vol 12, No 1 (2025): Jurnal Pembaharuan Hukum
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26532/jph.v12i1.41469

Abstract

The establishment of the Financial Services Authority (Otoritas Jasa Keuangan/OJK) is rooted in a critical evaluation of banking supervision in Indonesia. The issuance of Government Regulation No. 4 of 2023 concerning the Strengthening and Development of the Financial Sector is an effort by public institutions to encourage government support through changes in Indonesia’s monetary sector. This study examines how Law No. 4 of 2023 impacts financial services actors (market conduct), its effect on the consumer protection system in financial services, and its influence on financial education and literacy in society. This study uses a normative legal research method with a juridical-normative approach. Government Regulation No. 4 of 2023 has a positive impact by strengthening the authority of the OJK to supervise the behavior of the financial industry. This aims to protect consumers’ interests, maintain national economic stability, and provide legal certainty for businesses in the financial technology sector. The Financial Technology Industry Law has a positive impact on financial sector consumers. This law not only protects consumers and regulates the financial technology industry but also emphasizes the importance of financial literacy education. The Government Regulation No. 4 of 2023 acts like a pseudo-down payment provision within supported monetary policies and provides security for buyers in the monetary sector. This study concludes that Government Regulation No. 4 of 2023 significantly strengthens the legal framework for regulating market conduct and protecting financial consumers in Indonesia.
Effectiveness of Government Regulation Number 22/2021 in Controlling Air Pollution from Brick-Making Industry Pranata, Rifo Andi; Rahmatiar, Yuniar; Abas, Muhamad
Jurnal Pembaharuan Hukum Vol 12, No 2 (2025): Jurnal Pembaharuan Hukum
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26532/jph.v12i2.47411

Abstract

The phenomenon of air pollution caused by the brick-making industry has become a pressing environmental issue demanding resolution. Various studies have shown that emissions from the brick-kiln process contribute significantly to the decline in ambient air quality in industrial areas and their surroundings. This study aims to evaluate the environmental impacts of brick-kiln operations and to assess the effectiveness of government policy implementation in controlling air pollution from the industrial sector. This study adopts a normative and empirical research paradigm as its primary methodological framework. A qualitative approach is used because of its ability to facilitate in-depth exploration of phenomena in the natural environment, with the researcher acting as the primary instrument for data collection and analysis. The result of this study are brick-kiln operations in Mekarmulya Village cause significant air, noise, and land degradation impacts, with the community gradually normalizing pollution due to weak regulatory oversight and limited institutional capacity in enforcing environmental policies for micro-enterprises. The study concludes that ineffective environmental governance and limited institutional capacity have allowed the micro-scale brick-kiln industry in Mekarmulya Village to cause significant pollution and land degradation, highlighting the need for the implementation of adaptive, socially aware, and inclusive environmental policies for the informal sector.
Co-Authors Abdurakhman, Maman Aditia, Fani Agus Antoni, Mochamad Aini, Nida Qurratul Akbar, Gary Gagarin Akbar, Muhamad Gary Gagarin Akbar, Muhammad Gary Gagarin Akup, Apriliyanto Juwan Sukmana Alpidoh, Intan Amalia, Sitti Fadilah Amaliya, Lia Andri Susanto Andriani, Nina Anggraeni, Kiki Arafat, Zarisnov Ardiansyah, Aldi Ardiansyah, Ata Asnanda, Anggraeni Asyahadi, Farhan Asyhadi, Farhan Atmaja, Annisa Tri Ayomi, Andreas C. Bintang S, Andi Muhamad Bintang, Muhamad Budi Prayogo, Sutras Chicka Aircheny Dede Nurhayatie Dewi Putri Wibowo, Sabrina Dini Nurfalah Farhan Asyhadi Fatonah Fatonah Fauzan, Ade Ahmad Fauzi, Muhamad Jiia Febrian, M. Ibnu Gagarin Akbar, M. Gary Gary Gagarin Akbar, Muhamad Gugun Gunawan, Gugun Guntara, Deny Haetami, Vikri Hambali, Muslim Hariawan, Hariawan Hasanah, Hilyatun Hasrinda, Hasrinda Hendri Gunawan Herman, Rizky Nurjulianto Hidayat, Anwar Hilman Alfiansah Himim, Aldora Ananda Putra I Ketut Suardika Ichsan Maulana Indah Nurhayati Irawan, Angki Irawan, Surya Iswandi, Erik Ivan Hanafi Ixal, Da'i Safuad Kaimuddin, Sitti Mikarna Koswara, Wahyu Kurnia, Didiek Lestari, Widya Annisa Pudji LIA AMALIA Lubis, Adyan Lukman, Dedi Machestian, Hario Bismo Maharani, Dennisya Maharani, Syahwa Mahardika, Fazri Editiya Mahmudi, Afrizal Makhron, Fiki Muzaki Malau, Masnida Marhan, Citra Marpaung, Dorkas Maulida Ridfar, Lulu Mehue, Bruce Meidah, Nuryanah Tirostiah Muhammad Latif Mutiara Dewi, Chalidya Nasution, Moh Sofyan Ningrum, Wulan Cahya Nopianti, Wike Nor Khasanah, Jana Siti Nugraha Putra, Muhamad Nugroho, Gynastiar Nur Elita, Raden Lita Nurbaliza, Violita Nurdin Nurdin Nurhidayah, Desyifa Panjaitan, Michael Putra Pebriyani, Pebriyani Pranata, Rifo Andi Pratama, Raka Indra Purwana, Dalih Putra, Reza Alamsyah Putri, Ina Malia R, La Ode Rafiuddin Rahmatiar , Yuniar Rahmatiar, Niar Rahmatiar, Yuniar Ramadani, Trisna Rana Dewi Siauta, Putri Rizal Aripin Robillah, Robillah Rosdiana Dewi, Elvira Rudin, Suci Ramadhani Sadjat, Rizki Safitri, Diana Alpiani Sahab, Nurlin Sampurna Banyuaji, Sampurna Sanjaya , Suyono Sanjaya, Suyono Santoso, Imam Budi Saripudin, Asep Sartika Dewi Septian, Fazrian Setiawan, Ade Yunas Shidqi Mubarok, Muhammad Sibri, Lili Sidabutar, Octaviana Sihotang, Alex Antonius Sitorus, Leonardo Sopian, Singgih Sopyan Sopyan Sri Wahyuni Sudjadi, Agung Sukarta, Dimas Tatang Wiro Sukmawati Sukmawati Suroso, Zulfiansyah Yusuf Suryadi, Ismutiah Susanti, Depi Sutrisno, Sutrisno Syahida, Nadia Taofik Rohman, Paisal Targana, Tatang Toha, Imam Sofii Tri Setiady, Tri Triana Dewi, Liza Viyanda, Karina Wakono, Nur Widasari, Widasari Wilianita, Ani Wiranata, Muhammad Ardi Yulianita, Donna Yulianti, Yuli Yuniar Rahmatiar Zaenury, Ahmad Goza Zahra Alfianti, Kartika