PELAKSANAAN PERLINDUNGAN HUKUM TERHADAP NASABAH PERBANKAN OLEH OTORITAS JASA KEUANGAN DI SUMATERA BARAT

Abstract

ABSTRACT Based on Article 4 of Law Number 21 of 2011, the Financial Services Authority (OJK) was established with the primary objective of protecting the interests of consumers and the public. This leads to an important inquiry: 1) In what ways does the Financial Services Authority contribute to ensuring legal protection for banking customers who experience financial losses in West Sumatra? 2) What obstacles are encountered in efforts to provide legal protection to banking customers by the Financial Services Authority in West Sumatra? 3) What solutions does the Financial Services Authority take to protect banking customers who suffer losses in West Sumatra? The method used is Sociological Juridical. Conclusion: 1) The role of OJK in providing legal protection to banking customers who suffer losses in West Sumatra includes regulation, supervision, resolution, education and collaboration with related institutions. 2) The obstacles encountered in efforts to provide legal protection to Banking Customers by the Financial Services Authority in West Sumatra are Lack of Regulatory Harmonization, Weaknesses in Supervision, Legal Protection Arrangements, Limited OJK Resources, Lack of Accessibility, Complicated Procedures, Low Financial Literacy, Lack of Socialization by the OJK, Limited Collaboration with Other Institutions, People's Fear of Complaining. 3) solutions implemented by the Financial Services Authority to protect disadvantaged banking customers in West Sumatra, namely strengthening regulations, increasing education, simplifying complaint procedures, inter-agency collaboration, increasing accessibility.