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All Journal Media Hukum Indonesia (MHI)
Adhnin, Ghariza Ardhia
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Law, Crime, Criminology & Criminal Justice

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Efektivitas Pengawasan Produk Keuangan Syariah oleh Otoritas Jasa Keuangan Adhnin, Ghariza Ardhia; B, Baidhowi
Media Hukum Indonesia (MHI) Vol 3, No 3 (2025): September
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

Islamic finance in Indonesia is growing rapidly and contributing to financial inclusion and economic stability. The Financial Services Authority (OJK) plays a role in supervising Islamic financial products to ensure they comply with Islamic regulations and principles. However, supervision still faces challenges, such as the lack of specific regulations, minimal coordination with DSN-MUI, and low Islamic financial literacy. Improvement of regulations, strengthening coordination between institutions, and product innovation are needed so that the Islamic financial industry is more competitive and has an effective supervision system.
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.
Co-Authors Aini, Ailia Nur B, Baidhowi Girsang, Rachel Putri, Amelia Juliana