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All Journal Media Hukum Indonesia (MHI)
Purba, Calvin Axel
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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 Pengawasan Otoritas Jasa Keuangan Terhadap Pinjaman Online Berdasarkan Undang-Undang Nomor 21 Tahun 2011 Purba, Calvin Axel; Khairunnisa, ‘Imarroh Lutfiyatul Laeli
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.15612312

Abstract

One of OJK's steps in regulating this sector is through OJK Regulation Number 77/POJK.01/2016 concerning Information Technology-Based Money Lending Services. This regulation provides detailed provisions regarding the implementation of online loan services as well as educational obligations for the public to increase knowledge and understanding of financial institutions, financial products, and financial services (Mohammad Amin El Fajri, 2018). However, because there are still many illegal online loan practices, OJK is actively eradicating illegal online loan providers. This study is a qualitative descriptive study with a normative perspective. The main data is obtained from the results of a literature review. Data analysis uses qualitative analysis. The results of the study show that the supervision carried out by OJK so far has had a positive impact, especially in increasing the sense of security and legal protection for consumers, raising public awareness of their rights, and encouraging industry players to carry out healthy business practices. However, challenges such as the rise of illegal online loans, illegal collection practices, weak supervision of third parties, and the transfer of some regulatory authority to industry associations, indicate that the OJK needs to continue to update and strengthen regulations that are more assertive, systemic, and integrated.
Co-Authors Hert, Daiva Ebiandre Khairunnisa, ‘Imarroh Lutfiyatul Laeli Muflikh, Alna Aulin Miftakhul Silalahi, Bob Ben Saloman Silalahi, Bob Ben Salomoan