REGULASI DAN PENGAWASAN FINTECH DI INDONESIA : PERSFEKTIF HUKUM EKONOMI SYARIAH

Authors

  • Muhammad Fachrurrazy Institut Agama Islam Negeri Palopo (IAIN Palopo), Indonesia
  • Dirah Nurmila Siliwadi Institut Agama Islam Negeri Palopo (IAIN Palopo), Indonesia

DOI:

https://doi.org/10.35673/as-hki.v2i2.928

Abstract

Technology-based financial innovation has an important role to develop national economic, regulatory and surveillance controls haven’t completely protected against legal and illegal fintech breaches. This study aims to analyze government policies in monitoring and providing legal protection against conflict in fintech and sharia violations. Research show fintech arrangements and surveillance are currently on financial service authority (POJK) and Indonesian’s central bank regulations (PBI) as the main regulator, and then the Fatwa DSN-MUI and the council governors rule (PADG BI) as the fan regulator. Fintech surveillance regulations are currently not running optimal because current surveillance was applied to a pre-operational stage due to regulations and oversight barriers.

Keywords: Fintech; Islamic economic law; Legal Protection; Surveillance.

References

Bagir Manan, “Hukum positif Indonesia : Suatu kajian teoritikâ€, FH UII Press, Yogyakarta ,2004.

Imam Nawawi kitab : “Raudlatu al-Thalibinâ€. Pustaka Azzam. Indonesia.

Wahbah al-zulaihi, kitab “Al-Fiqhu al-Islami wa Adillatuhuâ€. Darul Fikr, Beirut. tth.

Budi Wibowo,“Analisa Regulasi Fintech Dalam Membangun Perekonomian di Indonesiaâ€, dalam https://www.academia.edu/35563302/analisa_ regulasi _ fintech_dalam_membangun_perekonomian_di_indonesia.

Greg Buchak, “et alâ€, “Fintech, Regulatory Arbitrage, And The Rise Of Shadow Banksâ€, National Bureau of Economic Research, No.23288, Sepetember 2018

Ernama Santi, “et alâ€, ‘Pengawasan Otoritas Jasa Keuangan Terhadap Financial Technology (Peraturan Otoritas Jasa Keuangan Nomor 77/Pojk.01/2016)â€, Diponegoro Law Journal, Vol.6 No.3, Juli 2017.

Hida Hiyanti, “et alâ€, “Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesiaâ€, Jurnal Ilmiah Ekonomi Islam (JIEI), Vol.5 No.3, 2019.

Egi Alvian Firmansyah, “et alâ€, “Islamic Financial Technology (Fintech): Its Challenges And Prospectâ€, Proceedings of the Achieving and Sustaining SDGs 2018 Conference: Harnessing the Power of Frontier Technology to Achieve the Sustainable Development Goals (ASSDG 2018) Atlantis Press, January 2019.

Mireza Fitriadi “et alâ€, “Kedudukan Otoritas Jasa Keuangan Terhadap Perusahaan Modal Ventura Asing dalam Melakukan Pembiayaan Secara Langsung di Indonesiaâ€, Jurnal Penelitian Hukum, Vol. 1, Nomor 2, Juli 2014.

Peraturan Bank Indonesia Nomor 19/12/PBI/2017 Tentang Penyelenggaraan Teknologi Finansial.

Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 Tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi.

Fatwa Dewan Syariah Nasional-Majelis Ulama Indonesia No:117/DSN-MUI/II/2018 Tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah.

Peraturan Anggota Dewan Gubernur BI Nomor 19/14/PADG/2017 tentang Ruang Uji Coba Terbatas (Regulatory Sandbox) Teknologi Finansial.

Muhammad Mufid, 2016. Wawancara “Pelaksanaan Pengawasan OJK terhadap Financial Technology†di OJK. Jakarta, 12 April 2016.

M. Ajisatria Suleiman, 2016. Wawancara “Pelaksanaan Pengawasan OJK terhadap Financial Technology†di Asosiasi Financial Technology Indonesia. Jakarta, 11 April 2017.

Roy Franedya, Tito Bosnia ; “ ini dia empat jenis fintech di Indonesiaâ€; https://www.cnbcindonesia.com/tech/20180110145800-37-1126/ini-dia-empat-jenis-fintech-di-indonesia, diakses pada 14 juli 2020.

https://www.bi.go.id/id/sistem-pembayaran/fintech/Content : diakses pada 1 agustus 2020.

https://id.m.wikipedia.org/wiki/Inklusi_keuangan.

Jimmy Ramadhan Azhari : “ Terjerat utang online, supir taksi tulis surat sebelum gantung diriâ€;https://megapolitan.kompas.com/read/2019/02/11/14544 111/terjerat-utang-online-sopir-taksi-tulis-surat-sebelum-gantung-diri. diakses pada 10 juli 2020.

Agustinus Respati ; " Banyak Kasus, Tingkat Kepercayaan Terhadap Fintech Menciut"; https://www.google.com/amp/amp.kontan.co.id/news/banyak-kasus-tingkat-kepercayaan-terhadap-fintech-menciut, diakses pada 14 agustus 2020.

Additional Files

Published

2020-09-02

How to Cite

Fachrurrazy, M., & Siliwadi, D. N. (2020). REGULASI DAN PENGAWASAN FINTECH DI INDONESIA : PERSFEKTIF HUKUM EKONOMI SYARIAH. AL-SYAKHSHIYYAH Jurnal Hukum Keluarga Islam Dan Kemanusiaan, 2(2), 154–171. https://doi.org/10.35673/as-hki.v2i2.928

Issue

Vol. 2 No. 2 (2020): Hukum Keluarga Islam Dalam Konteks Ke-Indonesiaan

Section

Articles

Citation Check

License

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a  Creative Commons Attribution-ShareAlike License (CC BY-SA 4.0) that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.