<![CDATA[Riska Kartika Sari, M. Hamidi Masykur, SH, M.Kn., Dr. Reka Dewantara, SH, M.H. Fakultas Hukum Universitas Brawijaya kartikasariska@gmail.com  ABSTRAK Pada penelitian ini, penulis mengangkat permasalahan tentang, Penerapan Pasal 22 POJK No. 19/POJK.03/2014 Tentang Layanan Keuangan Tanpa Kantor Dalam Rangka Keuangan Inklusif Mengenai Branchless Banking Melalui Sistem Agen Dengan Layanan E-Warung KUBE. Branchless banking adalah layanan perbankan yang dilakukan di luar kantor bank lewat kerja sama dengan pihak ketiga yang bertindak mewakili bank melalui penggunaan sarana teknologi. Pelaksanaan Branchless Banking yang masih terbilang baru menimbulkan beberapa persoalan. Penelitian ini bertujuan untuk mendeskripsikan hambatan dan penerapan Pasal 22 POJK Nomor 19/POJK.03/2014 Tentang Layanan Keuangan Tanpa Kantor Dalam Rangka Keuangan Inklusif. Penelitian ini menggunakan beberapa konsep, yaitu branchless banking, BNI, dan E-warung KUBE. Metode penelitian dalam penelitian ini adalah empiris yuridis dengan menggunakan pendekatan yuridis sosiologis dan menggunakan metode analisis deskriptif kualitatif. Hasil penelitian ini menunjukkan bahwa antara BNI 46 dengan Agen46 terjadi hubungan kerja sama yang baik sesuai dengan ketentuan Pasal 22 POJK No. 19/03,POJK/2014. Dalam pelaksanaan operasionalnya e-warung KUBE Toko Mulyani juga mengalami beberapa hambatan seperti biaya yang mahal dinilai memberatkan masyarakat. Solusi mengenai hambatan yang terjadi saat keberlangsungan branchless banking diharapkan dapat mewujudkan sistem keuangan inklusif, seperti yang diharapkan Pemerintah. Kata Kunci :Penerapan, Pelaksanaan Pasal, Branchless Banking, E-Warung KUBE  ABSTRACT Branchless banking is part of banking service where related activities take place outside bank office through partnership with third party that acts as a representative of the bank with the assistance of technology. The implementation of branchless banking is still considered new and it still comes with several issues. This research is aimed to describe impeding factors and the implementation of Article 22 of Regulation of Financial Services Authority Number 19/POJK.03/2014 concerning branchless financial services to support the program of inclusive finance. This research involved several the concept of branchless banking, BNI, and E-warung KUBE, while the research method was based on juridical empirical supported with socio-juridical approach. The data obtained was analysed with descriptive qualitative method.  The research result reveals that there is a positive partnership between BNI 46 and Agen46 as in accordance with the provisions of Article 22 of Regulation of Financial Services Authority Number 19/03, POJK/2014. During the operation, e-warung KUBE owned by Mulyani also faced several difficulties like the high cost and this seems to give burden to the people involved. Solution to the issues that hamper the continuity of branchless banking should be given, and this should be able to achieve the system of inclusive finance as what government expects. Keywords : Implementation, Article implementation, Branchless Banking, E-Warung Cube]]>
