IMPLEMANTASI PENGAWASAN OTORITAS JASA KEUANGAN TERHADAP LEMBAGA KEUANGAN MIKRO  (Studi Kasus Pada Bank Perkreditan Rakyat Yang Terdaftar Dan Diawasi OJK Regional 8 Bali Dan Nusa Tenggara)

Ni Putu Galuh Nirmalasari; Ni Wayan Suartini; I Nyoman Gede Supraptha

Authors

Ni Putu Galuh Nirmalasari Universitas Mahendradatta
Ni Wayan Suartini Universitas Mahendradatta
I Nyoman Gede Supraptha Universitas Mahendradatta

Keywords:

Financial Services Authority, Supervision, Microfinance Institution

Abstract

The Financial Services Authority is an independent institution and is free from interference from other parties that has the functions, duties, authorities as regulation, supervision and protection. One of the institutions that is closely monitored by the Financial Services Authority is the Microfinance Institution. The Financial Services Authority also stipulates that if the business activities of a Microfinance Institution exceed one district/city area, the institution must transform into a Rural Bank or Sharia Rural Financing Bank. This policy is of course related to the many problems in the banking sector that occurred in the crisis and impacted the 21 national private banks which were liquidated by Bank Indonesia, which found various irregularities so that many questioned Bank Indonesia's supervision. This study aims to describe the supervision of the Financial Services Authority and the Standard Operating Procedures of the Financial Services Authority on the performance of Microfinance Institutions. Data collection techniques were carried out by questionnaires and literature studies, with quantitative descriptive analysis techniques. The results of the study show: (1) The supervision of the Financial Services Authority partially has a positive and significant influence on the performance of Microfinance Institutions, it can be said that the significance value is 0.000 with a coefficient value of 0.429. (2) Standard Operating Procedures of the Financial Services Authority partially have a positive and significant effect on the performance of Microfinance Institutions, it can be said that the significance value is 0.000 with a coefficient value of 0.661. (3) Supervision of the Financial Services Authority and Standard Operating Procedures of the Financial Services Authority simultaneously have a positive and significant influence on the performance of Microfinance Institutions, it can be said that this is because a significance value of 0.000 is obtained.

Downloads

Download data is not yet available.

References

Achma Hendra Setiawan. 2017. “Analisis Komparasi Lembaga Keuangan Mikro (LKM) Dalam Penyaluran Kredit Mikro Menurut Prefensi Usaha Mikro Di Kota Semarang.” Jurnal. Fakultas Ekonomi Dan Bisnis Universitas Diponegoro Semarang

Amina,Zaidatul. 2012. “Kajian Pembentukan Otoritas Jasa Keuangan Di Indonesia: Melihat Dari Pengalaman Di Negara Lain. ”Akunesa: Jurnal Akutansi 1(1 )

Asfari, Difa Dini, Fakultas Ekonomi, dan Universitas Katolik. 2014. “Otoritas Jasa Keuangan.” Bina Ekonomi 18(2):27–38.

Budisantoso, Totok, dan Nuritomo. 2017. Bank dan Lembaga Keuangan Lain.

Diba, Nabilah Farah, Hari Sutra Disemadi, dan Paramita Prananingtyas. 2020. “Kebijakan Tata Kelola Otoritas Jasa Keuangan (OJK) Di Indonesia.” Ekspose: Jurnal Penelitian Hukum Dan Pendidikan 18(2):868–76. doi: 10.30863/ekspose.v18i2.485.

F. Aldhouse. 2014 “The Information Commissioner and The Financial Services Authority.” Journal of Computer Law & Security Review 30(3):321-323.

F. Moshirian. 2011. “The global financial crisis and the evolution of markets, institutions and regulation.” Journal of Banking & Finance 35(3):502- 511

Harinowo Cyrillus. 2004. Penanganan Krisis Indonesia Pasca IMF. Jakarta: PT. Gramedia Pustaka Utama

Hermansyah. 2013. Hukum Perbankan Nasional Indonesia. Edisi II. Jakarta: Kencana.

Hesty D. Lestari. 2012. “Otoritas Jasa Keuangan : Sistem Baru Dalam Pengaturan Dan Pengawasan Sektor Jasa Keuangan.” Jurnal Dinamika Hukum Faculty Of Law, Universitas Jenderal Soedirman. Vol 12, No.3 (2012)

Hesti,Yulia. 2018. “Analisis Yuridis Tujuan Dan Kewenangan Otoritas Jasa Keuangan (OJK) Dalam Lembaga Perbankan Di Indonesia.” Pranata Hukum: Jurnal Ilmu Hukum 13( 2).

https://www.ojk.go.id/id/tentang-ojk/Pages/Nilai-Nilai.aspx

https://www.ojk.go.id/id/kanal/perbankan/data-dan statistik/Pages/Daftar-Alamat-Kantor-Pusat-BPR.aspx

Juita, Subaidah Ratna, dan Dhian Indah Astanti. 2018. “Kewenangan Otoritas Jasa Keuangan (OJK) Dalam Melakukan Fungsi Pengawasan Pada Lembaga Perbankan Syariah.” Law and Justice 2(2):157–67. doi: 10.23917/laj.v2i2.5547.

Kharisma, Dona Budi. 2020. “Urgency of Financial Technology (Fintech) Laws in Indonesia.” International Journal of Law and Management (Figure 1). doi: 10.1108/IJLMA-08-2020-0233.

Kiky Zakia Rohmadani. 2019. “Peran Lembaga Otoritas Jasa Keuagan Terhadap Layanan Pinjam Meminjam Uang Berbasis Tenologi Informasi Yang Belum Terdaftar (Studi Di Lembaga Otoritas Jasa Keuangan Malang).” Skripsi. Jurusan Hukum Bisnis Syariah Fakultas Syariah Universitas Islam Negeri Maulana Malik Ibrahim Malang.

Makmur. 2011. Efektivitas Kebijakan Pengawasan. Bandung: Refika Aditama

Mardayulis dan Amik Dumai. (2015). Penguatan Lembaga Keuangan Mikro Melalui Usaha Mikro Masyarakat. Menara Ekonomi: ISSN : 2407-8565. Volume I No. 1 - April 2015

Masyitoh. 2018. “Peranan Otoritas Jasa Keuangan (OJK) Dalam Pengawasan Perbankan Syariah Di Kota Jambi”. Skripsi. Fakultas Ekonomi Dan Bisnis Islam UIN Sulthan Thaha Saifuddin Jambi.

Maulidiana, Lina. 2014. “Fungsi Otoritas Jasa Keuangan Sebagai Lembaga Pengawas Perbankan Nasional Di Indonesia.” Keadilan Progresif 5(1):18.

Peter Mahmud Marzuki. 2017. Penelitian Hukum: Edisi Revisi. Jakarta: Kencana Prenada Media Group.

Rilia Cindi Pratiwi. (2018). Analisis Efektivitas Pengawasan dan Pemeriksaan Kinerja Keuangan Perbakan Syariah Di Otoritas Jasa Keuangan (Studi Kasus di Kantor Otoritas Jasa Keuangan Jasa Keuangan Solo). Skripsi. Fakultas Ekonomi Dan Bisnis Islam Institut Agama Islam Negeri Surakarta.

Sihombing Jonker. 2012. Otoritas Jasa Keuangan. Jakarta: Ref Publisher, Sutedi Adrian. 2014. Aspek Hukum Otoritas Jasa Keuangan Jakarta Timur:

Siti Sundari. 2011. Laporan Kompendium Hukum Bidang Perbankan. Jakarta: Kementrian Hukum dan HAM RI

Spalek. 2001. “Policing the U.K. Financial System: the Creation of the ‘New’ Financial Services Authority and its Approach to Regulation.” Journal of the Sociology of Law 29(1):75-87.

Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan

Undang-Undang Nomor 1 Tahun 2013 tentang Lembaga Keuangan Mikro

Zainal Asikin. 2015. Pengantar Hukum Perbankan Indonesia. Jakarta,: Rajawali