Peran Otoritas Jasa Keuangan (OJK) dalam penanggulangan perusahaan financial technology ilegal

Cristy, Thalia (2020) Peran Otoritas Jasa Keuangan (OJK) dalam penanggulangan perusahaan financial technology ilegal. Bachelor thesis, Universitas Pelita Harapan.

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Abstract

Penelitian ini bertujuan untuk mengetahui peranan Otoritas Jasa Keuangan (OJK) dalam menanggulangi perusahaan financial technology ilegal serta untuk mengetahui perangkat hukum dan dampak financial technology peer to peer lending (fintech P2PL) terhadap perkembangan lembaga jasa keuangan di Indonesia dan bagaimana kewenangan OJK dalam mengawasi penyelenggaraan fintech P2PL di Indonesia. Penelitian ini menggunakan metode penelitian yang bersifat normatif yuridis dengan menganalisa pasal-pasal dalam peraturan perundang-undangan serta doktrin hukum yang berkaitan dengan permasalahan. Dalam penelitian ini, yang diteliti pada awalnya adalah data sekunder yang terdiri dari bahan hukum primer, bahan hukum sekunder, dan bahan hukum tersier, yang kemudian dilanjutkan dengan melakukan penelitian terhadap data primer pada praktiknya. Teknik pengumpulan data dilakukan dengan melakukan wawancara dengan lembaga jasa keuangan terkait serta didukung dengan studi pustaka baik melalui buku maupun jurnal hukum. Dalam melakukan wawancara, peneliti terlebih dahulu memberikan daftar pertanyaan kepada narasumber guna mempermudah peneliti dalam melakukan wawancara terstruktur. Data yang diperoleh dari hasil wawancara akan dianalisa secara deskriptif menggunakan analisis kualitatif untuk mendapatkan jawaban atas permasalahan. Hasil penelitian menunjukkan bahwa, peranan OJK dalam menanggulagi pertumbuhan perusahaan fintech P2PL ilegal yaitu dengan melakukan tindakan preventif, dimana OJK bekerja sama dengan lembaga pemerintahan terkait untuk menyediakan layanan pengaduan dan dengan segera menindaklanjuti pengaduan tersebut, OJK juga berwenang untuk melakukan tindakan represif dengan melakukan pemblokiran terhadap situs Fintech P2PL ilegal dan kemudian melaporkannya kepada SWI. OJK menjalankan tugas pengawasannya terhadap perusahaan yang sudah terdaftar dan memiliki izin melalui tiga cara yaitu: pengawasan offsite, market conduct, pengawasan onsite. Kehadiran industri Fintech P2PL juga memberikan kontribusi besar pada peningkatan literasi dan inklusi keuangan terutama dibidang jasa keuangan dengan basis teknologi. Industri Fintech P2PL telah memiliki pondasi hukum yang kuat sejak dikeluarkannya Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi. / This research aims to find out about The financial services auhority (OJK)’s role in handling illegal financial technology companies, to find out about fintech P2PL legal device and its impact in developing Indonesia’s financial service institution and to find out OJK’s authority in controling the implementation of financial technology regulation. This research uses juridical normative research methods by analyzing the section of the legislation. In this research, what we initially investigated was the secondary data consisting of primary legal material, secondary legal material and practical. Research data collection technique are obtained through literature review both from books and legal journals relation to the problems. Interview was conducted with finanancial institution and law office,in order to gain information that is needed to conduct this research. In conducting the interview, the author had given the question to the interviewee that will had the interview to make it easier to carry out structural interview. Data that author has obtained will be analyze descriptively using the qualitative analysis methods to get the answer of the problem. The results showed that the role of the financial service authority (OJK) in preventing the growth of illegal P2PL fintech company is by taking the preventive measures, where the financial service authority (OJK) cooperates with government to provide complaints service and immediately take an action towards the complaints, Financial Service Authority (OJK) is also authorized to take repressive action by blocking illegal P2PL fintech sites and then reported it to SWI. The Financial Service Authority (OJK) carry out their supervisory duty on company that has been registered and has license in three ways, namely offsite supervision, market conduct and onsite supervision. The presence of the fintech P2PL industry also contributed in increasing literacy and financial inclusion especially in the field of financialservice on a technology basis. The P2PL fintech industry has had a strong legal foundation since the issuance of the Financial Service Authority regulation Number 77/POJK.01/2016 ruled about Technology-based money lending and borrowing services.

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