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All Journal Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada
Johanes Widijantoro
Faculty of Law, University of Atma Jaya Yogyakarta
Law, Crime, Criminology & Criminal Justice

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MEWUJUDKAN PERNIAGAAN BERKEADILAN MELALUI PENINGKATAN AKSES KEADILAN KONSUMEN Johanes Widijantoro
Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada Vol 28, No 3 (2016)
Publisher : Fakultas Hukum Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (374.125 KB) | DOI: 10.22146/jmh.16672

Abstract

Abstract In the mid of free trade era, both in domestic and international level, consumer protection issues has become more relevan to be examined. One of the important aspect in the field of consumer protection that should be strengthened is consumer’s acces to justice. The complexity of global trade marked by unfair commercial practices have often negative impacts for consumer; consumer rights often be ignored and violated by business people. Therefore government must be able to ensure the existence of consumer’s access to justice through the rule making, policy, and the new legal institutionalization in order to create fair business climate. IntisariDi era perdagangan bebas seperti sekarang ini, isu perlindungan konsumen makin penting dan relevan baik dalam konteks perdagangan di tingkat domestik maupun internasional. Salah satu aspek yang masih harus ditingkatkan di bidang perlindungan konsumen ialah akses keadilan konsumen, sebab pertumbuhan perniagaan yang makin kompleks jangan sampai hanya memposisikan konsumen sebagai obyek kepentingan bisnis semata. Oleh karena itu, Negara harus dapat menjamin terciptanya akses keadilan konsumen baik melalui regulasi, kebijakan, maupun kelembagaan hukum baru agar tercipta iklim perniagaan yang berkeadilan. Di samping itu melalui peningkatan akses keadilan konsumen diharapkan dapat menumbuhkan kesadaran konsumen akan hak-haknya.
THE ROLE OF FINANCIAL SERVICES AUTHORITY IN THE CONSUMER PROTECTION AMID THE GROWTH OF FINTECH INDUSTRY IN INDONESIA Sari Murti Widiyastuti; Johanes Widijantoro
Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada Vol 31, No. 2 (2019)
Publisher : Fakultas Hukum Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/jmh.43129

Abstract

AbstractThe growth of the financial technology (fintech) industry is a necessity as an effort to make financial services more practical and efficient. On the other hand, consumers of financial services are still low in financial literacy levels, especially in considering various risks that can occur in dealing with the fintech industry. Indonesian Financial Services Authority (OJK) is the body responsible for carrying out the protection of consumers of financial services. This article describes how legal matters in the fintech business, which are actually useful and can encourage financial inclusion, but on the other hand have the potential to harm consumers if they are not properly regulated. Existing related OJK Regulations would be examined and what things should be regulated by the OJK so that consumers of financial services are protected amid the development of fintech, will also be elaborated in this article. This article respectively describes the rationality of consumer protection in the financial services, the dynamics of fintech growth and its problems, and an analysis of the role of OJK in the era of fintech industry. IntisariPertumbuhan industri teknologi keuangan (fintech) adalah sebuah keniscayaan sebagai konsekuensi kemajuan teknologi sekaligus upaya untuk menjadikan jasa keuangan lebih praktis dan efisien. Sementara tingkat “melek keuangan” konsumen masih rendah, khususnya dalam mempertimbangkan berbagai risiko yang dapat terjadi sehubungan dengan layanan fintech. Artikel ini menggambarkan bagaimana persoalan hukum dalam industri fintech di satu sisi, yang sesungguhnya bermanfaat dan dapat mendorong peningkatan derajad inklusi keuangan masyarakat, namun di sisi lain berpotensi merugikan konsumen apabila tidak diatur dengan baik. Apa yang seharusnya diatur oleh Otoritas Jasa Keuangan (OJK) sehingga konsumen terlindungi hak-haknya di tengah pertumbuhan industri fintech, juga akan dianalisis dalam artikel ini.
Co-Authors Sari Murti Widiyastuti