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All Journal Media Hukum Indonesia (MHI)
Rosita, Dita Puspa
Unknown Affiliation
Law, Crime, Criminology & Criminal Justice

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Peran Bank Indonesia Dalam Pengawasan Keamanan Siber di Era Digitalisasi Perbankan Rosita, Dita Puspa; Hidayah, Nur; Imon, Syarah Adilla; S, 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.14194910

Abstract

Rapid advances in digital technology have brought significant changes to the banking sector in Indonesia, increasing efficiency and expanding access to financial services. However, digitalization also presents new challenges, especially related to cyber security threats. The cyber attack case that hit Bank Syariah Indonesia (BSI) in 2023 revealed weaknesses in the security system which caused disruption to services and leakage of customer data. In this context, Bank Indonesia (BI) has an important role as a regulator that sets rules and standards to maintain the security of the financial system. This research adopts a literature study and policy analysis approach to assess the steps taken by BI in managing cyber security and responding to incidents that occurred at BSI. Research findings show that BI has designed a comprehensive cyber security policy, implemented strict supervision, and increased cooperation with various related parties. Apart from that, efforts to educate the public regarding the safe use of information technology are also a top priority. Overall, the success of banking digitalization relies heavily on the integration of technology with solid security policies to maintain public trust.
Tugas dan Wewenang Otoritas Jasa Keuangan (OJK) Dalam Mengawasi Sektor Keuangan di Indonesia Rosita, Dita Puspa; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

The Financial Services Authority (OJK) is an independent institution established under Law Number 21 of 2011. Its primary purpose is to implement an integrated system of regulation and supervision over all activities within the financial services sector. This study employs a normative legal research method through literature review and document analysis. The findings indicate that OJK's main duties include regulating, supervising, inspecting, and investigating activities across the financial services sector, which covers banking, capital markets, and non-bank financial institutions. OJK’s authority includes formulating policies, granting business licenses, monitoring compliance, and protecting the rights of consumers in the financial services industry.
Strategi Pegadaian Syariah Dalam Mendorong Ketahanan Ekonomi Melalui Prinsip Syariah Rosita, Dita Puspa; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

Sharia Pawnshop plays a strategic role in strengthening national economic resilience by providing fair, transparent, and interest-free Sharia-based financing access. Through rahn and ijarah contracts, it helps communities, especially SMEs, obtain capital without the burden of interest, thereby supporting sustainable economic growth. Digitalization of services further expands financial inclusion and facilitates public access to Sharia-compliant financing. The findings show that Sharia Pawnshop serves as a crucial instrument in building an economy based on Islamic values, emphasizing justice, welfare, and blessings in financial transactions.
Co-Authors B, Baidhowi Imon, Syarah Adilla Nur Hidayah