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All Journal Transparansi Jurnal Ilmiah Ilmu Administrasi Global Legal Review
Laurenzia Luna
Universitas Pelita Harapan
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengawasan Teknologi Finansial Melalui Regulatory Sandbox oleh Bank Indonesia Atau Otoritas Jasa Keuangan Berdasarkan Perspektif Keadilan Bermartabat Rizky P.P Karo Karo; Laurenzia Luna
Transparansi : Jurnal Ilmiah Ilmu Administrasi Vol 2, No 2: Desember 2019
Publisher : Institut Ilmu Sosial dan Manajemen STIAMI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (346.274 KB) | DOI: 10.31334/transparansi.v2i2.547

Abstract

Financial technology (TF) cannot be released by the community both in rural areas or urban areas. TF provides a paradigm shift for the community. TF makes it easy for humans to make financial transactions simply by using a smart phone (HP) that humans can make payment transactions, borrow money. People will certainly choose TF that is safe and reliable and profitable, but sometimes people rarely know that a good and correct TF is a TF that has passed the Regulatory Sandbox (RS) test or a limited trial room. Two Government institutions that are authorized to carry out hospitals are Bank Indonesia (BI) through Bank Indonesia Regulation No: 19/12 / PBI / 2017 concerning Financial Services and Financial Services Authority (OJK) Implementation through “Financial Services Authority Regulation NUMBER 13 /POJK.02/2018 about Digital Financial Innovation in the Financial Services Sector”. The formulation of the problem raised is how is the TF supervision mechanism through the hospital implemented by BI or OJK? The method used in this scientific paper is a normative juridical method, using secondary data in the form of primary legal material consisting of laws and regulations relating to TF, secondary legal material in the form of scientific articles, journals and tertiary legal materials in the form of dictionaries. The research results obtained are that TF must pass the trial in the Regulatory Sandbox applied by BI or OJK. BI and OJK have the authority to determine whether the proposed TF is feasible or not feasible. RS is a significant method, according to the laws and regulations to get a TF that is suitable and safe for consumers and contains dignified justice, justice for business people and consumers.
STATE LAW, INTEGRAL ECONOMIC JUSTICE, AND BETTER REGULATORY PRACTICES: PROMOTING ECONOMIC EFFICIENCY IN INDONESIA Fajar Sugianto; Yuber Lago; Laurenzia Luna
Global Legal Review Vol 3, No 2 (2023): October
Publisher : Universitas Pelita Harapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19166/glr.v3i2.6552

Abstract

Indonesia as a state based on the rule of law like any other developing countries, its society is based on patterns and economic classes, overall obedience to the law is not easy. In heterogeneous society formed of groups based on religion, race, language, and wealth, it is one of the most difficult unifying factors in terms of compliance with the law. Law deals with complex social, and conflicting societies apply law as a powerful instrument of regulation and control. Although law acts as an independent agent to facilitate their complexity, with economic approach, efficiency is an ideal model that guides legal practice. It is because most people as homo economicus (except children and the profoundly retarded) in all of their activities has one thing in common, that is the need for efficiency, perhaps efficiency is the nearest we are likely to approach to a universal secular “religion”. Efficiency in law simplifies how law works in different society, especially in heterogeneous communities. This approach does not reduce law to economics (or vice versa, for that matter), it claims simply that law and economics have a lot to learn from one another. The primacy of efficiency helps to harmonize the practice of law with social practices. When such law exists, it does function as a social tool aiming at the promotion of economic efficiency that goes well with other social practices.
Co-Authors Fajar Sugianto P. Karo, Rizky Pratama Yuber Lago