Transparansi Informasi sebagai Bentuk Perlindungan Konsumen di Sektor Jasa Keuangan: Studi Komparasi di Indonesia, Singapura, dan Malaysia
DOI:
https://doi.org/10.28932/di.v13i2.4391Keywords:
Consumer; Financial Services Sector; TransparencyAbstract
Abstract : Based on the data disclosed by Otoritas Jasa Keuangan (Financial Services Authority) as the supervisory body of the financial services sector, throughout 2020 and 2021, there are thousands of complaints regarding information provided and conveyed by financial services providers. This matter shall be observed carefully, since transparency of information is one of the principles commonly recognized in consumer protection field, both generally and in the financial services sector specifically. The transparency of information principle also directly correlates with the principle of responsible business conduct. The transparency of information regarding financial products and/or services may give the consumers a fair chance to compare said products and/or services, and to assess whether the products and/or services really fit the consumers’ needs. This study aims to dig deeper about the transparency of information principle regarding financial products and/or services, based on the domestic rule and international best practices. This study also compares the rules on the subject of transparency of information regarding financial products and/or services in Indonesia against the rules in Singapore and Malaysia. In this research, it has been found that the existing regulations are sufficient enough, although the regulator shall strengthen the supervisory effort, including the imposition of sanctions. Keywords : Consumer; Financial Services Sector; TransparencyDownloads
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References
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Rifan Adi Nugraha, et. al., “Perlindungan Hukum terhadap Konsumen dalam Transaksi Online,” Jurnal Serambi Hukum, Volume 8 No. 2, Agustus 2014 – Januari 2015.
Rizka Syafriana, “Perlindungan Konsumen dalam Transaksi Elektronik,” De Lega Latta, Volume 1 No. 2, Juli – Desember 2016.
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Pranalar Luar
Novita Intan, “OJK: Pengaduan Konsumen di 2021 Mayoritas mengenai Fintech,” https://www.republika.co.id/berita/r3lf2b414/ojk-pengaduan-konsumen-di-2021-mayoritas-mengenai-fintech, diakses 8 Januari 2022, pukul 12.40 WIB.
Syahrizal Sidik, “OJK: Ada 3.224 Iklan Jasa Keuangan 'Sesat', Bank Terbanyak,” https://www.cnbcindonesia.com/market/20201117170603-17-202517/ojk-ada-3224-iklan-jasa-keuangan-sesat-bank-terbanyak, diakses 7 Januari 2022, pukul 19.32 WIB.
Amiruddin dan Zainal Asikin, Pengantar Metode Penelitian Hukum, Jakarta: Raja Grafindo, 2016.
Lexy J. Moleong, Metodologi Penelitian Kualitatif, Bandung: Remaja Rosdakarya, 2015.
Soerjono Soekanto dan Sri Mamudji, Penelitian Hukum Normatif: Suatu Tinjauan Singkat, Jakarta: Rajawali Pers, 2013.
Zulham, Hukum Perlindungan Konsumen, Jakarta: Kencana, 2013.
Jurnal
Aad Rusyad Nurdin, “Kajian Peraturan Perlindungan Konsumen di Sektor Perbankan,” Jurnal Hukum dan Pembangunan, Volume 48 No. 2, 2018.
Abd. Haris Hamid, Hukum Perlindungan Konsumen Indonesia, Jakarta: SAH Media, 2017.
Agus Satory, “Perjanjian Baku dan Perlindungan Konsumen dalam Transaksi Bisnis Sektor Jasa Keuangan: Penerapan dan Implementasinya di Indonesia,” Padjadjaran Jurnal Ilmu Hukum, Volume 2 No. 2, 2015.
Az. Nasution, Hukum Perlindungan Konsumen: Suatu Pengantar, Jakarta: Diadit Media, 2014.
Dwi Edi Wibowo, “How Consumers in Indonesia are Protected Fairly?” Indonesian Journal of Advocacy and Legal Services, Volume 2 No. 1, 2020.
G20/OECD Task Force on Financial Consumer Protection, Effective Approaches to Support the Implementation of the Remaining G20/OECD High-Level Principles on Financial Consumer Protection, Paris: OECD, 2014.
G20/OECD Task Force on Financial Consumer Protection, Compendium of Effective Approaches for Financial Consumer Protection in the Digital Age, Paris: OECD, 2020.
Heru Saputra Lumban Gaol dan Fransisca Yanita Prawitasari, “Kedudukan Pelaku Usaha dan Konsumen dalam Hukum Perlindungan Konsumen,” Jurnal Yustika, Volume 21 No. 2, Desember 2018.
I Wayan Gede Asmara, et. al., “Perlindungan Hukum terhadap Hak Konsumen atas Informasi Produk Import,” Jurnal Analogi Hukum, Volume 1 No. 1, 2019.
Marnia Rani, “Perlindungan Otoritas Jasa Keuangan terhadap Kerahasiaan dan Keamanan Data Pribadi Nasabah Bank,” Jurnal Selat, Volume 2 No. 1, Oktober 2014.
Martina Lestari Ritonga, “Juridical Review Consumer Legal Against Labeling of Food Products Based on Law No. 8 Year 1999,” Journal of Law Science, Volume 3 No. 4, 2021.
Muhamad Rizki Syafaat, “Perlindungan Konsumen menurut Peraturan Otoritas Jasa Keuangan Nomor 1/POJK.07/2013,” Maleo Law Journal, Volume 3 No. 2, Oktober 2019.
Niru Anita Sinaga dan Nunuk Sulisrudatin, “Pelaksanaan Perlindungan Konsumen di Indonesia,” Jurnal Ilmiah Hukum Dirgantara, Volume 5 No. 2, Maret 2015.
Rifan Adi Nugraha, et. al., “Perlindungan Hukum terhadap Konsumen dalam Transaksi Online,” Jurnal Serambi Hukum, Volume 8 No. 2, Agustus 2014 – Januari 2015.
Rizka Syafriana, “Perlindungan Konsumen dalam Transaksi Elektronik,” De Lega Latta, Volume 1 No. 2, Juli – Desember 2016.
World Bank, Good Practices for Financial Consumer Protection, Washington DC: World Bank, 2017.
Pranalar Luar
Novita Intan, “OJK: Pengaduan Konsumen di 2021 Mayoritas mengenai Fintech,” https://www.republika.co.id/berita/r3lf2b414/ojk-pengaduan-konsumen-di-2021-mayoritas-mengenai-fintech, diakses 8 Januari 2022, pukul 12.40 WIB.
Syahrizal Sidik, “OJK: Ada 3.224 Iklan Jasa Keuangan 'Sesat', Bank Terbanyak,” https://www.cnbcindonesia.com/market/20201117170603-17-202517/ojk-ada-3224-iklan-jasa-keuangan-sesat-bank-terbanyak, diakses 7 Januari 2022, pukul 19.32 WIB.
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Published
2022-04-28
How to Cite
Ahimsa, T. (2022). Transparansi Informasi sebagai Bentuk Perlindungan Konsumen di Sektor Jasa Keuangan: Studi Komparasi di Indonesia, Singapura, dan Malaysia. Dialogia Iuridica, 13(2), 065–091. https://doi.org/10.28932/di.v13i2.4391
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