Analisis Kritis Kebijakan Otoritas Jasa Keuangan terhadap Penyandang Disabilitas dalam Mewujudkan Layanan Perbankan Inklusif

Sylvia Janisriwati
Heru Saputra Lumban Gaol
Marchethy Riwani Diaz

Inklusi Journal of Disability Studies
Vol. 12 No. 1 (2025)

The Financial Services Authority (Otoritas Jasa Keuangan/OJK) has made efforts to promote inclusive financial services for persons with disabilities through Regulation No. 6/POJK.07/2022 concerning Consumer and Community Protection in the Financial Services Sector, along with the OJK Operational Technical Guidelines (PTO) for providing services to persons with disabilities. However, in practice, several barriers remain, particularly for persons with visual disabilities when opening savings accounts at banks, due to difficulties related to the use of fingerprints in banking documentation. This study aims to critically examine the effectiveness of POJK No. 6/POJK.07/2022 and the PTO OJK in ensuring inclusive financial services for persons with disabilities in the banking sector. This research employs a normative-empirical legal method. Fieldwork was conducted in Surabaya through interviews with informants from Kedaibilitas and HWDI Surabaya. The findings reveal that the implementation of OJK regulations and guidelines in the banking sector has not been fully realized. Adopting an equality-based approach and human rights-based policy formulation is crucial in developing inclusive banking services. Otoritas Jasa Keuangan (OJK) berupaya mengakomodasi hadirnya layanan jasa keuangan yang inklusif bagi penyandang disabilitas melalui POJK Nomor 6/POJK.07/2022 tentang Perlindungan Konsumen dan Masyarakat di Sektor Jasa Keuangan beserta Petunjuk Teknis Operasional (PTO) OJK untuk pelayanan keuangan kepada penyandang disabilitas. Namun demikian, di lapangan masih terdapat sejumlah hambatan bagi penyandang disabilitas, khususnya disabilitas netra dalam membuka rekening tabungan di bank, karena hambatan penggunaan sidik jari dalam dokumen perbankan. Penelitian ini bertujuan untuk mengkaji secara kritis efektivitas POJK No.6/POJK.07/2022 dan PTO OJK untuk pelayanan keuangan kepada penyandang disabilitas di sektor perbankan. Penelitian dilakukan menggunakan metode penelitian normatif-empiris. Studi lapangan dilakukan di kota Surabaya dengan melakukan wawancara kepada informan di Kedaibilitas dan HWDI kota Surabaya. Hasil penelitian menunjukkan penerapan aturan dan pedoman OJK di sektor perbankan masih belum diterapkan sepenuhnya. Pendekatan prinsip kesetaraan dan formulasi kebijakan berlandaskan HAM penting digunakan dalam menyusun kebijakan layanan perbankan yang inklusif.