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All Journal Jurnal Inovasi Global Jurnal Multidisiplin Indonesia
Hernayati, Hernayati
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Astronomy Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Veterinary

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Safeguarding Investor Rights: OJK’s Regulatory Framework Including Management and Challenges in Indonesia’s Capital Market Kusnawirawan, Iwan; Syarkani, Yofi; Hernayati, Hernayati; Waluyo, Imam
Jurnal Multidisiplin Indonesia Vol. 4 No. 3 (2025): Jurnal Multidisiplin Indonesia
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jmi.v4i3.2243

Abstract

Investor protection is crucial for maintaining stability and trust in Indonesia’s capital market. The Financial Services Authority (Otoritas Jasa Keuangan, OJK) plays a central role in regulating transparency, preventing fraud, and providing dispute resolution mechanisms. Despite a robust regulatory framework, challenges such as weak enforcement, low financial literacy, and regulatory inefficiencies persist. This study employs a qualitative research approach, incorporating legal analysis and a management control framework. Primary data includes expert interviews, while secondary data consists of financial reports, journal articles, and regulatory documents. Key Performance Indicators (KPIs) such as enforcement actions, fraud detection rates, and investor restitution are analyzed to evaluate regulatory effectiveness. Fraud Prevention through POJK No. 43/POJK.04/2020, which grants OJK the authority to impose sanctions but struggles with enforcement effectiveness; and (3) Alternative Dispute Resolution via collaboration with LAPS SJK and the APPK platform, which enhances accessibility but faces challenges in public awareness and efficiency. Despite these measures, issues such as inadequate deterrents for market violations, gaps in technological supervision, and bureaucratic inefficiencies hinder optimal investor protection. To strengthen investor protection, OJK must enhance legal enforcement, expand financial literacy programs, leverage technology for market supervision, and improve inter-agency coordination. The adoption of RegTech solutions, blockchain transparency mechanisms, and stricter legal sanctions can significantly boost regulatory efficiency and investor confidence. Future research should explore international best practices to further refine Indonesia’s financial regulatory landscape.
The Anatomy of Financial Risk: A Legal and Economic Perspective on Hospital and Healthcare Management Syarkani, Yofi; Kusnawirawan, Iwan; Hernayati, Hernayati; Handayan, Dwi Ratna Sari; Waluyo, Imam
Jurnal Inovasi Global Vol. 3 No. 5 (2025): Jurnal Inovasi Global
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jig.v3i5.345

Abstract

Financial and legal risk management in healthcare, particularly under national health insurance programs like Indonesia’s Jaminan Kesehatan Nasional (JKN), is critical for ensuring sustainable and high-quality care delivery. This study explores the multifaceted financial risks faced by hospitals, including rising operational costs, unpredictable patient volumes, inadequate reimbursement mechanisms, and delays in insurance payments. Additionally, it examines the legal frameworks governing billing practices, patient privacy, and fraud prevention, highlighting the consequences of non-compliance, such as financial penalties and reputational damage. Through a systematic literature review, this research identifies integrated risk management (IRM) strategies that combine financial, operational, and legal approaches to mitigate risks. Key strategies include implementing robust financial monitoring systems, strengthening legal compliance through staff training and audits, and advocating for policy reforms to address systemic gaps. Case studies from Indonesia and other countries illustrate the effectiveness of these strategies in improving financial sustainability and regulatory compliance. The findings underscore the importance of adopting IRM frameworks, investing in technology, and conducting further research to evaluate best practices. This study contributes to the growing body of literature by integrating economic and legal perspectives, offering actionable recommendations for healthcare systems operating under national health insurance programs.
Co-Authors Handayan, Dwi Ratna Sari Imam Waluyo Kusnawirawan, Iwan Yofy Syarkani