Putri, Amelia Juliana
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Efektivitas Pengawasan Otoritas Jasa Keuangan (OJK) Dalam Menjamin Keamanan Dana Nasabah di Era Perbankan Digital : Studi Kasus Bank Syariah Indonesia Aini, Ailia Nur; Girsang, Rachel; Putri, Amelia Juliana; 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.14195708

Abstract

In the modern digital era, technological developments have driven major changes in the banking industry, enabling people to carry out convenient and efficient online transactions. This progress increases the tendency of people to save money in banks for the security of their assets, because the banking system is considered safer with the support of supervision by institutions such as the Financial Services Authority (OJK). Banks not only function as depositors of funds, but also play an important role in national economic growth through providing access to financing, lending and distributing monetary policy. Bank Syariah Indonesia (BSI), as one of the sharia-based banks in Indonesia, has adopted digital banking to strengthen services to customers according to sharia principles. Supervision of digital banks, especially by the OJK and Bank Indonesia, aims to protect customers through strict regulations regarding data security, transparency and fair treatment. In the case of cyber attacks such as ransomware that hit BSI, this security challenge shows the importance of increasing coordination between OJK, the National Cyber and Crypto Agency (BSSN), and related institutions to speed up response and recovery. This case underscores the importance of evaluating regulations and increasing the effectiveness of OJK supervision, especially in preparedness to face cyber threats, technology investment and customer education in digital banking
Optimalisasi Pemberian Hak Karyawan Pasca Pemutusan Hubungan Kerja (PHK) : Studi Kasus PHK di PT Goto Tbk Amilia, Putri Villa; Alfarizky, Hertasandho Maynaka; Hidayah, Nur; Putri, Amelia Juliana; Susilawati, Siti; Syafri, Muhammad Irvan
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.14208824

Abstract

Layoffs have been part of the dynamics of industrial relations that have occurred since the past, when work began to be formally organized. In the pre-industrial era, layoffs were hardly recognized because employment relations at that time were based more on the patron-client system, where workers were employed in family-based agrarian or craft systems. However, with the development of the times and the onset of the Industrial Revolution in the 18th and 19th centuries, layoffs began to be more widely recognized. During this time, large corporations that employed many workers saw layoffs as a way to respond to financial pressures or operational efficiencies, albeit often arbitrarily. The situation of workers at that time did not have adequate legal protection, so they could be dismissed arbitrarily and at any time without compensation. Pemutusan Hubungan Kerja (PHK) in the context of Indonesian law refers to the act of terminating the employment relationship between workers and employers. Termination of employment is regulated in Law Number 13 Year 2003 on Manpower and also in other related regulations. According to Article 1 Paragraph 25 of Law Number 13 Year 2003, layoff is “the termination of employment by an employer against a worker/laborer.” Layoffs can occur for various reasons, including company efficiency, bankruptcy, or other reasons stipulated in laws and regulations. Layoffs are a complex issue because they can have an impact on unemployment, crime, and employment opportunities. 
Optimalisasi Regulasi dan Perlindungan Investor Terhadap Investasi Bodong di Pasar Modal Syariah Putri, Amelia Juliana; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

The Islamic capital market is currently growing rapidly as an investment alternative that is in accordance with Islamic principles. However, this growth is also accompanied by the rampant cases of fraudulent investments that harm investors and threaten the credibility of the Islamic capital market. This article discusses the challenges of regulation and strategies for optimizing investor protection in dealing with fraudulent investments in the Islamic capital market. Using a juridical-normative approach, this study analyzes the applicable regulations, weaknesses in supervision, and prevention efforts that have been carried out by relevant authorities such as the Financial Services Authority (OJK), the Indonesia Stock Exchange (IDX), and the National Sharia Council-Indonesian Ulema Council (DSN-MUI). The results of the study indicate that although Islamic capital market regulations in Indonesia have developed, there are still gaps in supervision and investor protection mechanisms, especially in terms of early detection and law enforcement against illegal investments. Therefore, it is necessary to optimize regulations by strengthening supervision mechanisms, increasing Islamic financial literacy, and utilizing technology such as Regulatory Technology (RegTech) in detecting and preventing fraudulent investments. With these steps, it is expected that the Islamic capital market can be more trusted, transparent, and able to provide better protection for investors.
Urgensi Penguatan Pengawasan Terhadap Kolaborasi antara Bank Dengan Fintech Lending Dalam Sistem Hukum Perbankan di Indonesia Aini, Ailia Nur; Putri, Amelia Juliana; Adhnin, Ghariza Ardhia; Girsang, Rachel; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

Collaboration between banking and fintech lending or online loans is a development that continues to emerge in the Indonesian financial system. On the one hand, this collaboration offers inclusive and efficient financial service innovations, but on the other hand it raises potential legal, operational, and consumer protection risks that have not been fully anticipated by the existing supervisory framework. This article examines the urgency of strengthening legal supervision of this collaboration, with an emphasis on regulatory gaps, overlapping supervisory authorities, and challenges in ensuring compliance with the principles of prudence and transparency. This study uses a normative legal approach with an analysis of laws and regulations, financial institution decisions, and case studies of bank-fintech collaboration. The results of the study indicate that strengthening supervision is needed through regulatory harmonization between the OJK and Bank Indonesia, affirmation of integrated supervisory mechanisms, and updates to digital risk-based policies. With this strengthening, the Indonesian banking legal system is expected to be able to accommodate the development of financial technology adaptively while protecting the stability of the financial system and consumer interests.