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All Journal SUPREMASI: Jurnal Pemikiran, Penelitian Ilmu-Ilmu Sosial, Hukum dan Pengajarannya Pembaharuan Hukum International Journal of Law Reconstruction DE LEGA LATA: Jurnal Ilmu Hukum NUSANTARA : Jurnal Ilmu Pengetahuan Sosial WAJAH HUKUM Unes Law Review Jurnal Justitia : Jurnal Ilmu Hukum dan Humaniora JURNAL ILMIAH ADVOKASI Legalite: Jurnal Perundang Undangan dan Hukum Pidana Islam Eksekusi : Journal Of Law JURNAL USM LAW REVIEW LEGAL BRIEF Hukum Responsif : Jurnal Ilmiah Fakultas Hukum Universitas Swadaya Gunung Jati Cirebon UNES Journal of Swara Justisia Jurnal Pengabdian Masyarakat (ABDIRA) Collegium Studiosum Journal Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) Journal of Comprehensive Science VIVA THEMIS- Jurnal Ilmu Hukum dan Humaniora Journal of Law, Poliitic and Humanities Jurnal Dialektika Hukum Jurnal Hukum dan Keadilan Journal of Strafvodering Indonesian Ipso Jure
Guntara, Deny
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Religion Aerospace Engineering Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Physics Public Health Social Sciences Other

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Journal : Pembaharuan Hukum

 1 
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.
Co-Authors Abas, Muhamad Abbas, Muhamad Abdul Majid, Luky Abdurakhman, Maman Aidina, Fitria Aini, Nida Qurratul Akbar, Gary Gagarin Anggy Giri Prawiyogi Asyhadi, Farhan Atmaja, Annisa Tri Darsono, Ahmad Bagas Dwi Dewi, Cindy Aulia Fauzan, Ade Ahmad Fauzi, Muhamad Jiia Fauziah, Margie Rahayu Gugun Gunawan, Gugun Gunawan, Endang Ano Hariri, Mochammad Sofyan Hendri Gunawan Herman, Rizky Nurjulianto Hidayat, Anwar Himim, Aldora Ananda Putra Irawan, Surya Iswandi, Erik Ivan Hanafi Ixal, Da'i Safuad Izdihar, Naufal Koswara, Wahyu Kurnia, Didiek Lubis, Adyan Mahardika, Fazri Editiya Mahmudi, Afrizal Makhron, Fiki Muzaki Maulida Ridfar, Lulu Minetha, Adelli Ritza Muhamad Abas Mutiara Dewi, Chalidya Nasution, Moh Sofyan Naufal, Raden Hisyam Al Noviandi, Muhamad Topik Nugraha, Tirta Nur Elita, Raden Lita Nurdin Nurdin Panjaitan, Michael Putra Patul Mudin, Arip Pratama, Raka Indra Putra, Daffa Fauzan Hanif Angkoso Putri, Shilva Alya Rahman, M. Rafly Dwi Rahmatiar, Yuniar Ramadani, Trisna Ramdhani, Alvian Ranisya Hadi, Vira Robillah, Robillah Sakum, Sakum Sampurna Banyuaji, Sampurna Sanjaya, Suyono Sopyan Sopyan Suhaeri Suhaeri, Suhaeri Syahida, Nadia Targana, Tatang Triana Dewi, Liza Ulandari, Mega Wahyudi, Rikes Yani, Abdul Yulianti, Yuli