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Widhianti, Kris
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Humanities Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Pengaruh Digitalisasi terhadap Efektivitas Pengawasan OJK di Sektor Perbankan Indonesia Widhianti, Kris; Amelia, Dita Fitria; Vijaya, Ageng Darma Putra
RIO LAW JURNAL Vol 6, No 1 (2025): Rio Law Jurnal
Publisher : Universitas Muara Bungo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36355/rlj.v6i1.1548

Abstract

Transformasi digital yang terjadi dalam sektor keuangan di Indonesia mendorong Otoritas Jasa Keuangan (OJK) untuk mengadopsi teknologi guna meningkatkan efektivitas pengawasan di sektor perbankan. Digitalisasi melalui penerapan teknologi pengawasan keuangan (RegTech) bertujuan untuk memperkuat pengawasan terhadap risiko, kepatuhan, dan stabilitas sistem keuangan. Penelitian ini bertujuan untuk menganalisis pengaruh digitalisasi terhadap efektivitas pengawasan OJK di sektor perbankan Indonesia, serta mengidentifikasi manfaat dan tantangan yang dihadapi OJK dalam mengimplementasikan teknologi tersebut. Hasil penelitian ini diharapkan dapat memberikan rekomendasi terkait pengembangan dan peningkatan sistem pengawasan berbasis teknologi, guna memperkuat stabilitas dan transparansi perbankan nasional.
Analisis Yuridis Manajemen Risiko dalam Pelaksanaan Bancassurance di Indonesia Berdasarkan Surat Edaran Otoritas Jasa Keuangan Nomor 33/SEOJK.03/2016 tentang Penerapan Manajemen Risiko pada Bancassurance Widhianti, Kris; Reykasari, Yunita
Journal of Contemporary Law Studies Vol. 1 No. 1 (2023): November
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/lawstudies.v1i1.1947

Abstract

The concept of bancassurance is that banks act as intermediaries in helping insurance companies reach their target customers with the aim of increasing market share. Financial Services Authority supervision of bancas-surance needs to be carried out. In reality, the implementation of bancassurance does not necessarily always comply with the Financial Services Authority Circular Letter Number 33/SEOJK.03/2016 and allows for future risks. The implementation of bancassurance allows for operational, legal and reputation risks. Risk management is carried out to avoid the possibility of these risks occurring. Therefore, the question arises about the role of the Financial Services Authority in mitigating the implementation of bancassurance in Indonesia. This research uses a statutory and conceptual approach with a normative juridical research type. The initial mitigation in implementing bancassurance is by selecting the right insurance company partner in accordance with the advantages and benefits for carrying out cooperation to the work plan and approval from the financial services authority as the supervisory institution. Banks are required to have written procedures to manage the risks inherent in bancassurance activities which include systems and procedures as well as authority; identification of all inherent risks; risk measurement and monitoring methods; accounting recording methods; analysis of legal aspects; and transparency of information to customers.
Co-Authors Amelia, Dita Fitria Reykasari, Yunita Vijaya, Ageng Darma Putra