Kewenangan otoritas jasa keuangan dalam penanganan skimming dan dampaknya terhadap sistem tata kelola Perbankan

Chrisnamurty, Devinta Pramesti (2021) Kewenangan otoritas jasa keuangan dalam penanganan skimming dan dampaknya terhadap sistem tata kelola Perbankan. Masters thesis, Universitas Pelita Harapan.

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Abstract

Pembentukan dan penetapan peraturan perundang-undangan yang mengatur mengenai manajemen risiko dan pemberian perlindungan bagi Nasabah di Sektor Perbankan sebagaimana dimaksud dalam Peraturan Otoritas Jasa Keuangan Nomor 1/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan (Lembaran Negara Republik Indonesia Tahun 2013 Nomor 118; Tambahan Lembaran Negara Republik Indonesia Nomor 5431) pada dasarnya bertujuan untuk memberikan jaminan kepastian hukum bagi Nasabah dan untuk mewujudkan sistem tata kelola perbankan yang baik. Permasalahan dalam penelitian ini adalah mengenai pengaturan terhadap kewenangan Otoritas Jasa Keuangan dalam penanganan terjadinya skimming, dan implementasi atas kewenangan Otoritas Jasa Keuangan tersebut dan dampaknya terhadap Sistem Tata Kelola Perbankan. Tujuan penelitian ini, yaitu untuk mengetahui, menelusuri, menemukan, dan menganalisis pengaturan mengenai kewenangan Otoritas Jasa Keuangan dalam penanganan terjadinya skimming dan implementasi kewenangan Otoritas Jasa Keuangan tersebut dan dampaknya terhadap Sistem Tata Kelola Perbankan. Penelitian ini disusun menggunakan metode penelitian yuridis normatif yang pengumpulan data sekundernya dilakukan melalui studi kepustakaan dan wawancara. Seluruh data sebagaimana dimaksud dianalisa menggunakan Pendekatan Economic Analysis Of Law melalui 2 (dua) metode, yaitu Metode Cost Benefit Analysis (CBA) dan Regulatory Impact Analysis (RIA). Dari hasil penelitian tersebut dapat disimpulkan bahwa POJK 1/2013 mengenai pemberian perlindungan kepada Nasabah di Sektor Perbankan yang belum mampu memberikan jaminan kepastian hukum dalam penanganan penyelesaian pengaduan Nasabah terkait skimming akan mengakibatkan terganggunya sistem tata kelola Bank yang berujung pada menurunnya reputasi Bank, dan kewenangan OJK yang tidak optimal dalam menangani skimming di Sektor Perbankan telah mengakibatkan keberlakuan POJK 1/2013 tersebut tidak efisien / The Financial Services Authority Regulation Number 1/POJK.07/2013 concerning Consumer Protection in the Financial Services Sector (State Gazette of the Republic of Indonesia of 2013 Number 118; Supplement to State Gazette of the Republic of Indonesia Number 5431) basically aims to provide legal certainty for customers and to realize a good banking governance system by establishing and stipulating laws and regulations governing risk management and providing protection for customers in the banking sector. The subject addressed in this research is the regulation of the Financial Services’ Authority in dealing with skimming incidents, as well as the implementation of the Financial Services Authority’s and its impact on the Banking Governance System. The purpose of this study is to discover, investigate, locate, and analyze the regulations governing the Financial Services Authority's in dealing with skimming, as well as the application of that authority and its effects on the Banking Governance System. Secondary data was gathered through literature review and interviews in this study, which was structured utilizing a normative juridical research technique. All of the data in question is assessed using the Economic Analysis of Law Approach, which applies 2 (two) methods: Cost-Benefit Analysis (CBA) and Regulatory Impact Analysis (RIA). The conclusions of this research are POJK 1/2013 regarding the provision of protection to customers in the banking sector, which has not been able to provide legal certainty in handling customer complaints related to skimming, will result in a disruption of the Bank's governance system, which will lead to a decline in the Bank's reputation, and the implementation of POJK 1/2013 has been ineffective due to the authority of OJK, which is not ideal in dealing with skimming in the banking sector.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Chrisnamurty, Devinta PramestiNIM01659190047devintachy@gmail.com
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSoetopo, Maria Grasia SariNIDN0323076702maria.soetopo@gmail.com
Uncontrolled Keywords: Otoritas Jasa Keuangan ; skimming ; tata kelola perbankan
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Depositing User: Users 4006 not found.
Date Deposited: 30 Jul 2021 03:01
Last Modified: 25 Feb 2022 02:08
URI: http://repository.uph.edu/id/eprint/40703

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