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All Journal Media Hukum Indonesia (MHI)
Muflikh, Alna Aulin Miftakhul
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Law, Crime, Criminology & Criminal Justice

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Peran Otoritas Jasa Keuangan (OJK) Dalam Pengawasan dan Penegakan Hukum di Sektor Perbankan Muflikh, Alna Aulin Miftakhul; Silalahi, Bob Ben Salomoan; Purba, Calvin Axel; Suwarsit, Suwarsit
Media Hukum Indonesia (MHI) Vol 2, No 4 (2024): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14201714

Abstract

This article explores the strategic roles of the Financial Services Authority (OJK) and Bank Indonesia (BI) in supervising and enforcing regulations within the banking sector to ensure the stability of the national financial system. Bank Indonesia, as the central bank, holds primary responsibility for controlling inflation, enhancing production efficiency, and fostering employment growth through well-directed monetary policies. Meanwhile, OJK focuses on integrated oversight across the financial services sector, including banking, capital markets, and non-bank financial institutions, using risk-based and compliance-based supervision approaches. In addressing modern challenges, such as the increasing complexity of banking operations and advancements in financial technology, adaptive regulatory reforms, enhanced supervisory capabilities, and advanced technological tools are essential. Interagency coordination and public participation are critical factors in strengthening oversight, safeguarding the banking sector, and supporting sustainable national economic stability.
Bantuan Hukum Pro Bono Sebagai Pilar Strategis Dalam Penegakan Hak Asasi Manusia Di Indonesia Muflikh, Alna Aulin Miftakhul; Hert, Daiva Ebiandre; Purba, Calvin Axel; Silalahi, Bob Ben Saloman
Media Hukum Indonesia (MHI) Vol 3, No 1 (2025): March
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

Pro bono legal aid plays a crucial role in ensuring access to justice for groups of people who are economically unable to afford commercial legal services. In the context of the rule of law and the protection of human rights, the existence of pro bono legal aid not only reflects the social concern of the advocate profession, but is also an important element in the implementation of the principle of equality before the law. This article examines the contribution of pro bono legal aid to the enforcement of human rights in Indonesia through a juridical-normative approach with qualitative analysis of laws and regulations, professional codes of ethics, and practices in the field. The findings show that despite the normative obligation for advocates to provide pro bono services, there are still various structural barriers, including the lack of institutional support, low appreciation of pro bono services, and operational constraints in the field. Therefore, it is necessary to strengthen policies, inter-institutional synergies, and internalize social justice values in legal aid practices to ensure that pro bono is not only a formal obligation, but also the ethos of advocates' struggle in realizing substantive justice for all citizens.
Peran OJK dalam Pengawasan Hukum terhadap Praktik Perbankan di Indonesia Muflikh, Alna Aulin Miftakhul; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

This study discusses the role of the Financial Services Authority (FIA) in the legal supervision of banking practices in Indonesia. Following the transfer of bank supervision functions from the Bank of Indonesia to the OJK through Law Number 21 of 2011, the OJK became an independent agency holding the primary authority in supervising the activities of the financial services sector, including banking. The study highlights the challenges that the OJK faces in carrying out its functions, such as the acceleration of digital finance innovation that exceeds regulatory readiness, the lack of inter-institutional coordination such as with the Bank of Indonesia and the Deposit Guarantor Institute (LPS), as well as human resource constraints in the areas of technology and digital law. Additionally, the effectiveness of OJK’s applied risk-based supervisory approach is also evaluated, particularly in terms of law violation prevention, consumer protection, and customer loss recovery. While progress has been made in regulatory formation such as the issuance of various OJK Regulations (POJK), the study concludes that OJK legal supervision of banking still requires structural reforms, strengthening of interagency coordination, and enhancement of financial institutional capacity and adaptive responsiveness to enable more complex industrial effects
Co-Authors B, Baidhowi Hert, Daiva Ebiandre Purba, Calvin Axel Silalahi, Bob Ben Saloman Silalahi, Bob Ben Salomoan