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All Journal Hukum dan Politik dalam Berbagai Perspektif Media Hukum Indonesia (MHI)
Silalahi, Bob Ben Salomoan
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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.
Analisis Hukum Syariah Terhadap Bisnis Fintech Peer-To-Peer Lending doi Indonesia Silalahi, Bob Ben Salomoan; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 2 (2025): June
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

The development of financial technology, particularly Peer-to-Peer (P2P) lending services, has brought significant innovation in access to financing in Indonesia. However, conventional P2P lending practices that still use interest-based systems and contain elements of uncertainty (gharar) pose challenges from an Islamic law perspective. This article aims to analyze the application of Islamic economic law principles in the fintech P2P lending business in Indonesia, examine regulations issued by the Financial Services Authority (OJK) and fatwas from the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), and evaluate the challenges and opportunities in implementing sharia-compliant fintech P2P lending. The research employs a qualitative approach through literature studies from various primary and secondary sources. The findings indicate that although regulatory frameworks and sharia fatwas exist, gaps remain in operational practices, particularly regarding sharia supervision, transparency, and Islamic financial literacy. Therefore, harmonization of regulations, strengthening of Sharia Supervisory Boards, and enhancement of sharia literacy are necessary for fintech P2P lending to function as a fair, transparent, and Islamically compliant financing instrument.
Aspek Hukum Dalam Penerapan Prinsip Know Your Customer (KYC) Pada Lembaga Perbankan Silalahi, Bob Ben Salomoan; B, Baidhowi; Novita, Yustina Dhian
Media Hukum Indonesia (MHI) Vol 3, No 2 (2025): June
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15552061

Abstract

In facing the challenges of globalization and increasing financial crimes such as money laundering and terrorism financing, the Know Your Customer (KYC) principle is an important pillar in maintaining the integrity of the financial system in Indonesia. This article analyzes the legal aspects of the application of the KYC principle in Indonesian banking institutions using a normative legal approach. The study was conducted on various regulations that serve as the legal basis, including Law No. 8 of 2010 concerning the Prevention and Eradication of Money Laundering, as well as regulations from the Financial Services Authority and Bank Indonesia. The findings show that although the legal framework is available and the implementation of KYC has made a significant contribution to identifying and preventing suspicious transactions, there are still implementation challenges such as limited human resources, technology gaps, and ownership of official documents by customers. To increase the effectiveness of KYC, it is necessary to increase human resource capacity, utilize advanced technology, and strengthen cross-country cooperation in combating financial crimes.
Analisis Perlindungan Hukum Konsumen pada Perjanjian Transaksi E- Commerce terkait Investasi Kripto Ilegal via Media Sosial Muflikh, Alna Aulin Miftakhul; Ramadan, Daud Renata Candra; Silalahi, Bob Ben Salomoan; Martitah, Martitah; Sulistianingsih, Dewi
Bookchapter Hukum dan Politik dalam Berbagai Perspektif Vol. 4 (2025)
Publisher : Bookchapter Hukum dan Politik dalam Berbagai Perspektif

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Abstract

Perkembangan e-commerce dan media sosial telah membuka ruang baru bagi praktik investasi berbasis aset kripto, termasuk yang berjalan secara ilegal dan menimbulkan kerugian besar bagi konsumen. Penelitian ini bertujuan menganalisis perlindungan hukum konsumen dalam perjanjian transaksi e-commerce terkait investasi kripto ilegal serta mengidentifikasi kendala yang dihadapi dalam implementasinya. Metode penelitian yang digunakan adalah penelitian hukum normatif dengan pendekatan perundang-undangan, konseptual, dan studi kasus melalui putusan pengadilan. Hasil penelitian menunjukkan bahwa perlindungan hukum konsumen secara normatif telah tersedia melalui UUPK, UU ITE, serta regulasi Bappebti dan OJK, namun efektivitasnya masih rendah. Perlindungan preventif terhambat oleh asimetri informasi, lemahnya literasi digital, serta kurangnya pengawasan terhadap promosi investasi di media sosial. Sementara itu, perlindungan represif sering tidak optimal karena keterbatasan pelacakan aset, kompleksitas teknologi blockchain dan koordinasi antar lembaga yang belum terpadu. Penelitian ini menyimpulkan bahwa perlindungan konsumen dalam investasi kripto ilegal masih menghadapi gap antara norma dan praktik. Sebagai kontribusi, penelitian ini menekankan perlunya regulasi yang lebih adaptif, pengawasan responsif dan mekanisme pemulihan kerugian yang lebih efektif bagi korban.
Co-Authors B, Baidhowi Dewi Sulistianingsih Martitah Martitah Muflikh, Alna Aulin Miftakhul Novita, Yustina Dhian Purba, Calvin Axel Ramadan, Daud Renata Candra