Pengawasan Teknologi Finansial Melalui Regulatory Sandbox oleh Bank Indonesia Atau Otoritas Jasa Keuangan Berdasarkan Perspektif Keadilan Bermartabat
DOI:
https://doi.org/10.31334/transparansi.v2i2.547Keywords:
Regulatory Sandobox, Financial Services Authority, Bank Indonesia, Dignified JusticeAbstract
Financial technology (TF) cannot be released by the community both in rural areas or urban areas. TF provides a paradigm shift for the community. TF makes it easy for humans to make financial transactions simply by using a smart phone (HP) that humans can make payment transactions, borrow money. People will certainly choose TF that is safe and reliable and profitable, but sometimes people rarely know that a good and correct TF is a TF that has passed the Regulatory Sandbox (RS) test or a limited trial room. Two Government institutions that are authorized to carry out hospitals are Bank Indonesia (BI) through Bank Indonesia Regulation No: 19/12 / PBI / 2017 concerning Financial Services and Financial Services Authority (OJK) Implementation through “Financial Services Authority Regulation NUMBER 13 /POJK.02/2018 about Digital Financial Innovation in the Financial Services Sector. The formulation of the problem raised is how is the TF supervision mechanism through the hospital implemented by BI or OJK? The method used in this scientific paper is a normative juridical method, using secondary data in the form of primary legal material consisting of laws and regulations relating to TF, secondary legal material in the form of scientific articles, journals and tertiary legal materials in the form of dictionaries. The research results obtained are that TF must pass the trial in the Regulatory Sandbox applied by BI or OJK. BI and OJK have the authority to determine whether the proposed TF is feasible or not feasible. RS is a significant method, according to the laws and regulations to get a TF that is suitable and safe for consumers and contains dignified justice, justice for business people and consumers.References
Buku
Karo Karo, Rizky , (2019). Penegakan Hukum Kejahatan Dunia Maya (Cybercrime) Melalui Hukum Pidana, Karawaci: Penerbit Fakultas Hukum, Universitas Pelita Harapan.
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Jurnal
Karo, R. K., & Sebastian, A. (2019). Juridical Analysis on the Criminal Act of Online Shop Fraud in Indonesia. Lentera Hukum, 6(1), 1-14.
Artikel
Rizky Karo Karo, “Bukti Elektronik Sudah Finalâ€, Koran Tempo tanggal 18 Juni 2019
Laporan Penelitian
Penelitian Dana Internal dengan no. 441 / LPPM – UPH / XII / 2018 yang diketuai oleh Prof. Dr. Teguh Prasetyo, S.H., M.Si dan beranggotakan: Rizky Karo Karo (dosen) dan Vena Pricilia (Mahasiswi) dengan judul “Urgensi Pembentukan Peraturan Hukum Tentang Pemanfaatan Teknologi Blockchain di Indonesia“.
Peraturan Perundang-undangan
Undang-undang Dasar Negara Republik Indonesia Tahun 1945
Undang-Undang Nomor 23 Tahun 1999 tentang Bank Indonesia (Lembaran Negara Republik Indonesia Tahun 1999 Nomor 66, Tambahan Lembaran Negara Republik Indonesia Nomor 3843) sebagaimana telah beberapa kali diubah, terakhir dengan Undang-Undang Nomor 6 Tahun 2009 tentang Penetapan Peraturan Pemerintah Pengganti Undang-Undang Nomor 2 Tahun 2008 tentang Perubahan Kedua atas Undang-Undang Nomor 23 Tahun 1999 tentang Bank Indonesia menjadi Undang-Undang (Lembaran Negara Republik Indonesia Tahun 2009 Nomor 7, Tambahan Lembaran Negara Republik Indonesia Nomor 4962);
Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik (Lembaran Negara Republik Indonesia Tahun 2008 Nomor 58, Tambahan Lembaran Negara Republik Indonesia Nomor 4843) sebagaimana telah diubah dengan Undang-Undang Nomor 19 Tahun 2016 tentang Perubahan atas Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik (Lembaran Negara Republik Indonesia Tahun 2016 Nomor 251, Tambahan Lembaran Negara Republik Indonesia Nomor 5952);
Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan (Lembaran Negara
Republik Indonesia Tahun 2011 Nomor 111, Tambahan Lembaran Negara Republik Indonesia Nomor 5253);
Peraturan Bank Indonesia No 19/12/PBI/2017 tentang Penyelenggaraan Teknologi Finansial (Lembaran Negara Republik Indonesia Tahun 2017 No. 245, Tambahan Lembaran Negara Republik Indonesia Nomor 6142)
Peraturan Anggota Dewan Gubernur No 19 / 14 / PADG / 2017 tentang Ruang Uji Coba Terbatas / Regulatory Sandbox
Peraturan Otoritas Jasa Keuangan No. 13/POJK.02/2018 tentang Inovasi Keuangan Digital di Sektor Jasa Keuangan (Lembaran Negara Republik Indonesia Tahun 2018 Nomor 135, Tambahan Lembaran Negara Republik Indonesia Nomor 6238)
Jurnal
Karo Karo, Rizky & Sebastian Agnes. (2019). Juridical Analysis on the Criminal Act of Online Shop Fraud in Indonesia. Lentera Hukum, Vol 6 Issue 1 (2019), p.1-14, ISSN P: 2355-4673, ISSN-E: 2621-3710, doi: https://doi.org/10.19184/ejlh.v6i1.9567
Artikel dari Internet
https://www.bi.go.id/id/sistem-pembayaran/fintech/Contents/default.aspx diakses tanggal 11 Juni 2019
https://www.cnbcindonesia.com/fintech/20180110145800-37-1126/ini-dia-empat-jenis-fintech-di-indonesia diakses tanggal 11 Juni 2019
https://ekonomi.kompas.com/read/2018/10/18/144300126/geliat-fintech-di-era-industri-40?page=all diakses tanggal 11 Juni 2019
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