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All Journal Media Hukum Indonesia (MHI) Desentralisasi: Jurnal Hukum, Kebijakan Publik, Dan Pemerintahan
Aldi Rizal Syahputra
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Law, Crime, Criminology & Criminal Justice Social Sciences

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Problematika Kelembagaan Otoritas Jasa Keuangan (OJK) dalam Pengawasan Pinjaman Online dan Layanan Keuangan Digital di Indonesia Anggita Lailatun Ni’mah; Bintang Afifah Nailah; Dyah Hayu Woro; Aldi Rizal Syahputra
Desentralisasi : Jurnal Hukum, Kebijakan Publik, dan Pemerintahan Vol. 2 No. 4 (2025): November : Desentralisasi : Jurnal Hukum, Kebijakan Publik, dan Pemerintahan
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/desentralisasi.v2i4.1252

Abstract

The development of the digital economy in Indonesia has driven various innovations in the financial services sector, including online lending services (PINJOL) and digital financial platforms. This phenomenon presents both opportunities and challenges for the national financial supervisory system. The Financial Services Authority (OJK), as the institution authorized to regulate and supervise financial services, is required to adapt its role to these dynamics. This study aims to examine the institutional challenges faced by the OJK in carrying out its supervisory function over online lending services and digital financial services in Indonesia. The methods used in this research are normative juridical, with a statute approach, legal theory and institutional theory (Conceptual approach), case approach, and a comparison of fintech supervisory models with those of other countries (Comparative approach). The results of this study are expected to provide an understanding of the OJK's institutional challenges and serve as evaluation material for formulating future digital financial supervisory policies.
Analisis Efektivitas Kebijakan Penyaluran Beasiswa KIPK Aspirasi di Indonesia Rohmatul Jannah; Dida Oktavian; Aldi Rizal Syahputra
Media Hukum Indonesia (MHI) Vol 4, No 1 (2026): March
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17925878

Abstract

Education is a constitutional right of citizens that must be fulfilled by the state, as mandated in Article 31 of the 1945 Constitution of the Republic of Indonesia. One of the policy instruments used by the government to ensure equitable access to higher education is the Indonesia Smart Card for Higher Education (Kartu Indonesia Pintar Kuliah/KIP-K) Program, including the KIP-K Aspirasi scheme, which is distributed through recommendations from members of the House of Representatives (DPR). Although normatively KIP-K Aspirasi aims to expand access to higher education for students from underprivileged families, its implementation across various universities indicates a gap between policy objectives and practices in the field.This study aims to analyze the effectiveness of the KIP-K Aspirasi scholarship distribution policy in Indonesia and to identify supporting factors, inhibiting factors, and policy improvement efforts from the perspective of public policy law. The research method employed is a descriptive qualitative approach based on a literature review, with data sources consisting of laws and regulations, policy documents, and relevant previous research findings. The analysis uses the theoretical framework of public policy implementation and policy effectiveness indicators.The results show that the effectiveness of KIP-K Aspirasi still faces several obstacles, particularly in terms of transparency, targeting accuracy, and the smooth disbursement of funds. In addition, the absence of specific legal regulations governing the KIP-K Aspirasi mechanism raises issues of legal certainty, accountability, and the potential politicization of the policy. Therefore, this study recommends strengthening regulations, increasing transparency, and reinforcing oversight systems so that the KIP-K Aspirasi policy can be implemented more effectively and equitably as an instrument for fulfilling the right to higher education.
Co-Authors Anggita Lailatun Ni’mah Bintang Afifah Nailah Dida Oktavian Dyah Hayu Woro Rohmatul Jannah