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All Journal Media Hukum Indonesia (MHI)
Isnugraheny, Rizqika Farah
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Law, Crime, Criminology & Criminal Justice

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Optimalisasi Prinsip Kerahasiaan Data Nasabah dan Peranan Otoritas Jasa Keuangan Dalam Mencegah Kebocoran Informasi Isnugraheny, Rizqika Farah; Megawati, Zahra Ekasiwi; Susilawati, Siti
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.14181761

Abstract

The principle of customer data confidentiality is a key pillar in maintaining trust and integrity within the financial services sector. With the advancement of digital technology and the increasing threat of data breaches, optimizing customer data protection has become a critical issue. This study examines the efforts to optimize the principle of customer data confidentiality through the implementation of effective policies and the role of the Financial Services Authority (OJK) as the main regulator and supervisor in Indonesia. OJK plays a key role in setting data security standards, overseeing regulatory implementation, and ensuring that financial service providers comply with good governance principles. This study also analyzes various data breach cases that have occurred, as well as preventive measures that can be taken, such as strengthening security systems, educating financial service providers, and imposing strict sanctions for violations. The findings suggest that collaboration between OJK, financial service providers, and other stakeholders is crucial in creating a safe, transparent, and trustworthy financial ecosystem. Optimizing customer data confidentiality not only protects consumer rights but also strengthens the stability of the national financial sector in the digital era.
Eksistensi OJK Sebagai Lembaga Surveuilance: Pembaharuan Hukum Perbankan Ulima, Ajeng; Isnugraheny, Rizqika Farah; Megawati, Zahra Ekasiwi; Fitrada, Azzahra Hifz Aldin; B, Baidhowi
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.15642885

Abstract

The establishment of the Financial Services Authority (OJK) in Indonesia marks an important step in the effort to strengthen banking law and financial sector supervision. This paper examines the role of the OJK as a supervisory agency in the context of Indonesian banking law, with an emphasis on its contribution to regulatory reform and consumer protection. This study uses a normative juridical approach, supported by a comprehensive literature review, to analyze the functioning of the OJK based on Law Number 21 of 2011 and its impact on banking governance. One of the OJK’s main responsibilities is overseeing compliance with sound banking practices and ensuring compliance with regulatory frameworks among financial institutions. The organization is also proactive in adapting regulations to new financial technologies, so it can address challenges arising from the rapid development of the fintech industry. Despite achieving progress, OJK still faces challenges in effective enforcement, resource allocation, and interagency collaboration. The paper concludes that although the OJK has made significant strides in improving the stability and integrity of the Indonesian banking system, additional measures are needed to strengthen its monitoring capabilities and address emerging risks. Recommendations include strengthening human resources, utilization of technology for greater efficiency, and increased public participation to ensure financial literacy. By strengthening its role as a regulator, the OJK can effectively navigate Indonesia’s complex and dynamic financial services landscape, ultimately protecting consumers’ interests and driving economic growth.
Co-Authors B, Baidhowi Fitrada, Azzahra Hifz Aldin Megawati, Zahra Ekasiwi Siti Susilawati, Siti Ulima, Ajeng