Legal Protection in Consumer Dispute Resolution: Independence of the Financial Services Authority (OJK)

Riad Abdillah; Sjaifurrachman Sjaifurrachman; Abintoro Prakoso; Evi Dwi Hastri

doi:10.59712/iaml.v3i2.87

Authors

Riad Abdillah Universitas Wiraraja
Sjaifurrachman Sjaifurrachman
Abintoro Prakoso
Evi Dwi Hastri

DOI:

https://doi.org/10.59712/iaml.v3i2.87

Keywords:

Alternative, Dispute Resolution, Financial Services Authority (OJK), Legal Protection

Abstract

The progress of the national economy is influenced by financial services. The Financial Services Authority (OJK) as an independent institution that is responsible and plays an important role in supervising and regulating management in the financial services sector, is committed to providing legal protection guarantees for consumer rights. The normative legal research method using a statutory approach and this concept approach shows the results that the Financial Services Authority (OJK) has used the concept of Alternative Dispute Resolution (ADR) as part of pseudo/quasi by establishing an Alternative Dispute Resolution Institution based on OJK Regulation Number 61/POJK.07/2020 of 2020 concerning Alternative Dispute Resolution Institutions in the Financial Services Sector as a follow-up step taken to provide legal protection to consumers in the financial services sector in regulating and resolving disputes or complaints. In addition, the independence of the Financial Services Authority (OJK) has guaranteed in protecting consumers in the financial services sector with the issuance of OJK Regulation Number 6/POJK.07/2022 of 2022 concerning Consumer and Public Protection in the Financial Services Sector.

Downloads

Download data is not yet available.

Metrics

Metrics Loading ...

References

Amilatul, S. N., Suciati, S., & Ambarsari, R. I. D. (2021). Upaya Penanganan Lembaga Alternatif Penyelesaian Sengketa Terhadap Otoritas Jasa Keuangan. Jurnal Panorama Hukum, 6(1), 61– 67.https://doi.org/https://doi.org/10.21067/jph.v6i1.5658 DOI: https://doi.org/10.21067/jph.v6i1.5658

Athasya, A., & Muryanto, Y. T. (2019). Tugas Dan Fungsi Otoritas Jasa Keuangan Dalam Sengketa

Perdata Terkait Perlindungan Hukum Bagi Konsumen. Jurnal Privat Law, 7(2), 164.

https://doi.org/10.20961/privat.v7i2.34403 DOI: https://doi.org/10.20961/privat.v7i2.34403

Aufa;, M. F., & Fittriyanti, F. (2022). The Integration of Alternative Dispute Resolutions Institutions

in the Financial Services Sector with POJK No. 61/POJK.07/2020. Veteran Law Review, 5(2).

https://doi.org/https://doi.org/10.35586/velrev.v5i2.4633 DOI: https://doi.org/10.35586/velrev.v5i2.4633

Gusdarnelis, D., Iyah Faniyah, & Bisma Putra Pratama. (2024). Peran Otoritas Jasa Keuangan Dalam

Penyelesaian Sengketa Penolakan Klaim Asuransi Kerugian oleh Perusahaan Asuransi Terhadap

Nasabahnya. Unes Journal of Swara Justisia, 7(4), 1321–1331.

https://doi.org/10.31933/ujsj.v7i4.445 DOI: https://doi.org/10.31933/ujsj.v7i4.445

Harjono, D. K., & Panjaitan, H. (2021). Settlement of Consumer Disputes Through the Consumer

Dispute Resolution Agency and Their Problems. Jurnal Hukum Dan Peradilan, 10(3), 463.

https://doi.org/http://dx.doi.org/10.25216/jhp.10.3.2021.463-478 DOI: https://doi.org/10.25216/jhp.10.3.2021.463-478

Ilias, I. a. k. . I., Mohd Zain, M. I., Rahmat, N. E., & Keumala, D. (2023). A Comparative Assessment

of Alternative Dispute Resolution for Financial Consumer Protection in Malaysia and Indonesia.

In Kedah International Conference on Social Science and Humanities (Vol. 8). International

Conference on Contemporary Legal and Policy Issues (ICCLPI).

https://doi.org/https://doi.org/10.21834/e-bpj.v8iSI13.5041 DOI: https://doi.org/10.21834/e-bpj.v8iSI13.5041

Imam Asfali. (2023). Kewenangan dan Mekanisme Penyelesaian Sengketa Perbankan dalam Rangka

Perlindungan Nasabah Perbankan Setelah Dibentuknya Undang-Undang Nomor 21 Tahun 2011

Tentang Otoritas Jasa Keuangan. Jurnal Smart Hukum (JSH), 1(2), 313–322.

https://doi.org/10.55299/jsh.v1i2.272 DOI: https://doi.org/10.55299/jsh.v1i2.272

Indonesia, O. R. Peraturan Otoritas Jasa Keuangan Nomor 61 /POJK.07/2020 Tentang Lembaga

Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan, Peraturan Otoritas Jasa Keuangan

Republik Indonesia Nomor 61 /Pojk.07/2020 § (2020). Retrieved from

https://peraturan.bpk.go.id/Details/227092/peraturan-ojk-no-61-pojk072020-tahun-2020

Kholid, M. (2016). PENYELESAIAN SENGKETA PERBANKAN PASCA KELUARNYA

UNDANG-UNDANG NOMOR 21 TAHUN 2011 TENTANG OTORITAS JASA

KEUANGAN. Adliya, 10(1). https://doi.org/https://doi.org/10.15575/adliya.v10i1.5148 DOI: https://doi.org/10.15575/adliya.v10i1.5148

Kumala, W., Yaswirman, Y., & Ulfanora, U. (2019). Kewenangan Badan Penyelesaian Sengketa Konsumen (BPSK) dalam Menyelesaikan Sengketa Asuransi Pasca Keluarnya Peraturan Otoritas Jasa Keuangan (OJK) Nomor 1/POJK.07/2014. Jurnal Mercatoria, 12(2), 102.https://doi.org/https://doi.org/10.31289/mercatoria.v12i2.2748 DOI: https://doi.org/10.31289/mercatoria.v12i2.2748

Lestari, S. (2023). The Legal Certainty for Resolving Consumer and Business Actor Disputes from the Perspective of Social Engineering Justice from Roscoe Pound. Jurnal IUS Kajian Hukum Dan Keadilan, 11(3). https://doi.org/10.29303/ius.v11i3.1309 DOI: https://doi.org/10.29303/ius.v11i3.1309

Maryanto, Hanim, L., & Fitri, D. A. (2021). PROCEDURE FOR RESOLVING CONSUMER DISPUTES THROUGH CONSUMER DISPUTE SETTLEMENT AGENCY (BPSK). International Journal of Law Society Service, 1(2). https://doi.org/http://dx.doi.org/10.26532/ijlss.v1i2.17822 DOI: https://doi.org/10.26532/ijlss.v1i2.17822

Musjtari, D. N., Yunita, A., & Hamsin, M. K. (2020). Efektivitas Penyelesaian Sengketa Perbankan Syariah Melalui Mekanisme Fasilitasi Oleh Otoritas Jasa Keuangan (Ojk). Masalah-Masalah Hukum, 49(1), 1. https://doi.org/10.14710/mmh.49.1.2020.1-13 DOI: https://doi.org/10.14710/mmh.49.1.2020.1-13

OJK Republik Indonesia. PERATURAN OTORITAS JASA KEUANGAN REPUBLIK INDONESIA NOMOR 6 /POJK.07/2022 TENTANG PERLINDUNGAN KONSUMEN DAN MASYARAKAT DI SEKTOR JASA KEUANGAN (2022). Retrieved from https://peraturan.bpk.go.id/Details/227355/peraturan-ojk-no-6pojk072022-tahun-2022

Pemerintah Republik Indonesia. UNDANG-UNDANG REPUBLIK INDONESIA NOMOR 21 TAHUN 2011 TENTANG OTORITAS JASA KEUANGAN (2011). Indonesia. Retrieved from= https://peraturan.bpk.go.id/Details/39257/uu-no-21-tahun-2011

Pemerintah RI. UNDANG-UNDANG NOMOR 8 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN, Jakarta § (1999). Indonesia: Pemerintah Republik Indonesia. Retrieved from https://peraturan.bpk.go.id/Details/45288/uu-no-8-tahun-1999

Putri, S. P. (2023). Kompleksitas Penegakan Hukum Di Indonesia. Dinamika Hukum & Masyarakat, 5(2). https://doi.org/10.30737/dhm.v5i2.4651 DOI: https://doi.org/10.30737/dhm.v5i2.4651

Rambe, T. A. F., Sunarmi, S., Siregar, M., & Sukarja, D. (2022). Kewenangan Badan Penyelesaian Sengketa Konsumen Kota Medan Memeriksa Sengketa Konsumen Jasa Keuangan Pasca Terbentuknya Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan. Locus Journal of Academic Literature Review, 1(2), 109–116. https://doi.org/10.56128/ljoalr.v1i2.57 DOI: https://doi.org/10.56128/ljoalr.v1i2.57

Sinaga, K. R. (2022). Coordination System Between Financial Services Authorities And Deposit Guarantee Insittutions In Handling Failed Banks Based On Law Number 21 Year 2011 Concerning Financial Services Authorities. Journal of Law Science, 4(1). Retrieved from https://iocscience.org/ejournal/index.php/JLS/article/view/1691 DOI: https://doi.org/10.35335/jls.v4i1.1691

Situmorang, R. L., & Gunadi, A. (2023). Rechtssicherheit Alternative Dispute Resolution in Financial Services (LAPS SJK) as a Forum for External Dispute Resolution in Services of Consumer Complaints through Consumer Protection Portal Application (APPK). Melayunesia Law, 7(1), 1–16. https://doi.org/10.30652/ml.v7i1.7973 DOI: https://doi.org/10.30652/ml.v7i1.7973

Supriatna, U. (2019). Kewenangan Otoritas Jasa Keuangan Di Bidang Perbankan Dalam Mewujudkan Kepastian Hukum. Jurnal Ilmu Keuangan Dan Perbankan (JIKA), 7(2), 7–18. https://doi.org/10.34010/jika.v7i2.1911 DOI: https://doi.org/10.34010/jika.v7i2.1911

Syam, M., Zahara, Z., Fitri, D., & Oktarina, N. (2023). Sengketa Leasing Dalam Konteks Penyelesaian Sengketa Konsumen. UNES Journal of Swara Justisia, 7(1), 161. https://doi.org/10.31933/ujsj.v7i1.324 DOI: https://doi.org/10.31933/ujsj.v7i1.324

Ulfia Hasanah. (2014). Efektifitas Pengawasan Otoritas Jasa Keuangan (OJK) berdasarkan Undang- Undang Nomor 21 Tahun 2011 Tentang Otoritas Jasa Keuangan. Jurnal Aplikasi Bisnis, 5(1). https://doi.org/http://dx.doi.org/10.31258/jab.5.1.85-99

Wibowo, D. E. (2019). Penerapan Konsep Utilitarianisme Untuk Mewujudkan Perlindungan Konsumen Yang Berkeadilan Kajian Peraturan Otoritas Jasa Keuangan Nomor: 1/Pojk.07/2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan. Syariah: Jurnal Hukum Dan Pemikiran, 19(1), 15–30. https://doi.org/10.18592/sy.v19i1.2296 DOI: https://doi.org/10.18592/sy.v19i1.2296