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Elvira Fitriyani Pakpahan
Universitas Prima Indonesia
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Journal : JURNAL MAGISTER HUKUM UDAYANA

 1 
Peran Otoritas Jasa Keuangan (OJK) dalam Mengawasi Maraknya Pelayanan Financial Technology (Fintech) di Indonesia Elvira Fitriyani Pakpahan; Jessica Jessica; Corris Winar; Andriaman Andriaman
Jurnal Magister Hukum Udayana (Udayana Master Law Journal) Vol 9 No 3 (2020)
Publisher : University of Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JMHU.2020.v09.i03.p08

Abstract

The purpose of this research is to give insights on how Fintech and the role of OJK in supervising the services of Fintech in Indonesia. The presence of Fintech in Indonesia greatly helps citizens in accessing and provide easiness in financial transactions. At the moment, Fintech provides several functions that are believed to develop rapidly and Fintech also provides services on electronic money, virtual account, aggregator, lending, crowdfunding and other online monetary transactions. Various businesses that are part of Fintech are startups and online businesses. Therefore, the government should provide legal protection in order to protect both parties, the business organizers and the possible customers. In this case, business organizers with legal Fintech development have potential that is related to consumer protection, stable financial system, economy, and payment methods. The method of the research that is used in conducting this journal is the applied law research method. This research is using normative law with the facts approach and Constitution approach. In this case, Bank Indonesia has issued the Bank Indonesia Regulation No. 18/40/PBI/2016 about the implementation of the payment transaction and the Bank Indonesia Regulation No. 19/12/PBI/2017 about the implementation of Financial Technology. Along with OJK Regulation No. 13/POJK.02/2018 about the innovation of digital money in the financial services sector as a provision that covers the supervision and stipulates financial technology (fintech) industry issued by Otoritas Jasa Keuangan (OJK). Tujuan dari penelitian ini adalah untuk memberikan pengetahuan bagaimana Fintech dan peran OJK dalam mengawasi maraknya pelayanan Fintech di Indonesia. Munculnya Fintech di Indonesia sangat membantu masyarakat untuk mengakses dan mempermudah transaksi keuangan. Saat ini, Fintech memiliki berbagai fungsi yang diyakini mampu berkembang cepat dan Fintech mampu melayani electronic money, virtual account, agregator, lending, crowdfunding dan transaksi keuangan online lainnya. Berbagai usaha yang termasuk dalam Fintech adalah bisnis startup dan bisnis online. Dengan demikian Pemerintah harus memberikan suatu bentuk perlindungan hukum baik itu dari segi penyelenggara bisnis maupun untuk masyarakat yang berperan sebagai nasabah. Dalam hal ini, Pelaksanaan bisnis yang dijalankan secara legalitas untuk pengembangan fintechnya memiliki potensi resiko yang berhubungan dengan perlindungan konsumen, stabilitas sistem keuangan dan ekonomi ,serta sistem pembayaran. Metode penelitian yang digunakan dalam penyusunan jurnal ini adalah metode hukum yuridis normatif. Dimana penelitian ini meneliti hukum secara normatif dengan menggunakan pendekatan fakta dan pendekatan Undang-Undang. Dalam Hal ini Bank Indonesia (BI) mengeluarkan Peraturan Bank Indonesia No 18/40/PBI/2016 dan Peraturan Bank Indonesia No 19/12/PBI/2017 serta Peraturan OJK No. 13/POJK.02/2018 sebagai bentu pengawasan dan pengaturan industri financial technology (fintech) yang dikeluarkan oleh Otoritas Jasa Keuangan (OJK).
Co-Authors Achmad Noerkhaerin Putra Adawiyah, Rodiatun Affendy, Albert Ben Agnes Fortunata Akmal Siregar, Lasro Alana Putri Br. Ginting, Jessica Albert Gabriel M Situmeang Alexander Johnatan Pardede Alkana Yudha Anderson Tanjaya Andres Winardi Andriaman Andriaman Anggraini, Fitria Arifin Alexander Arini Batubara, Sonya Armaini, Agus Arman Muis Aryado Togu Suganda Hutagaol Astari, Wina Azharuddin Azharuddin Azharuddin Azharuddin Azharuddin, Azharuddin Azharuddin, Azharuddin Bambang Tri Bawono Bartolomeus Diaz Sianipar Besty Habeahan Cantika Debora Panjaitan Chandra, Lionel Ricky Chang, Johny Cindy Winni Violita Clarissa Yeoman, Michelle Corris Winar Daeli, Nilam Permata Daffa Verandy, Muhammad Danniel Danniel Danniel, Danniel Devi Lyana Simanjuntak Dewa, Ananta Aria Diana Diana Dicky Dicky Dwiki Pernandes Sembiring Elisah Elisah Enda Noviyanti Simorangkir Eric Kurniawan Erstendo Pasaribu Ervina Ervina Evelyne Fatahillah Pakpahan, Emir Syarif Febriyana Laia Ferry Duan Fibert Lovano Fitry Silitonga Flavia Tanaya Fortunata, Agnes Frederico, Lineus Gail Jevona Juneta Elviani Zebua Giovanni Thomasia Giri Pratomo Gulo, Immanuel Frans Franata Guntur Hutagalung Hadiwijaya Sinaga Hadlen, Michelle Helfan Muhammad Henny Yulieta Sinurat Heriyanti Heriyanti Heriyanti Heriyanti Heriyanti Heriyanti Heriyanti, Heriyanti Hulu, Andi Martin Hulu, Angellina Livonaria Imaniza, Faheera Irawati Isnainul, O.K. Isnainul, OK Isnainul, OK. Jessica Alana Putri Br. Ginting Jessica Angkasa Jessica Jessica Jessica Koharuddin Jestyn Hermawan Johny Chang Joswen Sianipar Juwi Sonia Karryn Young Kartina Pakpahan Kelfin Candra Kerisna Sukma Adji Sembiring Kesuma Wijaya, Emil Kevin Alexander Khairan Nisa Mendrofa Kholilur Rahman, Kholilur Koharuddin, Jessica Kristina Chandra Lenny Maria Aritonang Leonard, Tommy Lindawati Putri Widharta M. Iqbal Asnawi M.S. Alfarisi made adhiguna samvara Maggie Maggie Marcos Sihombing Markus Suryoutomo Marsa Suhaila Melinda Tarigan Melva Nainggolan Michael Michael Michael Michael Michelle Amanda Esitria Sumampow Michelle Clarissa Yeoman Michelle Hadlen Misael Leo Nard Haganta Tarigan Monica Muhammad, Helfan Mulyadi Mulyadi Mulyadi Mulyadi Musliansyah, Irfan Nainggolan, Samuel Dharma Putra Nasution, Farah Hanifah Ndruru, Mawatulo Nourma Dewi Nurhasanah Fauziah Tanjung O K Isnainul O.K. Isnainul Ojita Aziziyah OK Isnainul Priyangka, Trisha Mahsuri Purba, Emmerita Putri, Stela Dwi Rahadian, Risna Ramon Nafrial rizal, said Robby Dian Rona Indara Roy Saputra Manalu Ry, Agus Armaini Sahat Raja Hutajulu Samuel Sitinjak Sandi Noel Rajagukguk Sarifuddin Gulo Selvia Fransiska Wijaya Shindy Natalia Litani SIAHAAN, MARSEM PAHAM MARSAOR Silvi Yanti Simanjuntak, Lamhot Simbolon, Edison Donauli Sipahutar, Theresia Siregar, Jenni Yustina Sisca, Hilda Afrida Sitanggang, Adella Sitompul, Mikael Jonatan Sonya Airini Batubara, Sonya Airini Sri Rahayu Hulu Stela Dwi Putri stephanie, winnie Steven Albertrius Tamba Suhunan Purba, Kevin Tanry, Clarisa Adelia Tanto, Harnando Tarigan, Melinda Teguh Prasetyo Tommy Leonard Tommy Leonard Tommy Leonard Torry Hia Tyson Terbit Simbolon Violita, Cindy Winni Vita Cita Emia Tarigan Vivi Prisilla Vivi Rahayu Sianturi Wibowo, Stefani Wijaya, Selvia Fransiska Willy Tanjaya Winardi, Andres Yeriko Purba Rambe Yoshinaga, Yoshinaga Young, Karryn Yuni Adriana Malau Zhou, Valerie