ANALISIS PENGAWASAN OTORITAS JASA KEUANGAN TERHADAP PINJAM MEMINJAM UANG BERBASIS TEKNOLOGI INFORMASI YANG TERDAFTAR DI OTORITAS JASA KEUANGAN

Abstract

ABSTRACT The Financial Services Authority (OJK) has an important role in regulating and overseeing the financial services sector in Indonesia, including fintech lending, in accordance with POJK Number 77/POJK.01/2016. Even so, there are still many fintech organizers who are not registered, and various problems, such as manipulation of consumer data, continue to emerge. This study aims to analyze the effectiveness of OJK supervision of registered fintech lending, and its impact on the performance and compliance of the organizers. The method used in this study is normative juridical with a qualitative analysis approach, which relies on secondary data from various legal sources. The results showed that OJK supervision was carried out in two stages: pre-operational which included registration, licensing, and eligibility evaluation, as well as operations involving periodic reports and direct inspections. The impact of this supervision includes increasing transparency, accountability, and risk management, which in turn prevents illegal practices and increases consumer protection. The conclusion of this study confirms the importance of OJK supervision in creating a healthy fintech ecosystem. There is an urgent need to increase the intensity of supervision and provide education to the public to increase financial literacy.