Electronic Theses and Dissertation

Perkembangan teknologi informasi mendorong meningkatnya penggunaan layanan pinjaman online di Indonesia, termasuk di Provinsi Aceh. Pinjaman online memberikan kemudahan akses dan proses yang cepat, sehingga menjadikan layanan ini semakin diminati oleh masyarakat dari berbagai latar belakang. Namun, kondisi tersebut juga memunculkan berbagai permasalahan, seperti maraknya pinjaman ilegal, penyalahgunaan data pribadi, serta rendahnya literasi keuangan digital. Situasi ini menuntut adanya pengawasan yang efektif serta perlindungan konsumen yang optimal, yang tidak dapat dilakukan oleh satu lembaga saja, melainkan memerlukan kolaborasi lintas sektor. Penelitian ini bertujuan untuk menganalisis penerapan collaborative governance oleh Otoritas Jasa Keuangan dalam pengawasan keamanan cyber dan perlindungan konsumen pinjaman online di Aceh, serta mengidentifikasi tantangan yang dihadapi. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Analisis penelitian mengacu pada teori collaborative governance dari Ansell dan Gash yang meliputi starting conditions, facilitative leadership, institutional design, dan collaborative process. Hasil penelitian menunjukkan bahwa OJK telah menjalin kolaborasi dengan berbagai pemangku kepentingan seperti Bank Indonesia, Dinas Komunikasi dan Persandian, serta aparat penegak hukum. Namun, implementasi kolaborasi belum berjalan optimal akibat keterbatasan kewenangan di daerah, lemahnya koordinasi, keterbatasan sumber daya, dan rendahnya literasi masyarakat. Oleh karena itu, diperlukan penguatan koordinasi, peningkatan kapasitas kelembagaan, serta optimalisasi edukasi publik untuk mewujudkan pengawasan yang lebih efektif dan berkelanjutan.
Kata Kunci: Collaborative Governance, Otoritas Jasa Keuangan, Keamanan Cyber, Perlindungan Konsumen, Pinjaman Online

The development of information technology has driven the increasing use of online lending services in Indonesia, including in Aceh Province. Online loans offer easy access and a fast process, making them increasingly popular among people from various backgrounds. However, this situation has also given rise to various problems, such as the rise of illegal lending, misuse of personal data, and low digital financial literacy. This situation demands effective oversight and optimal consumer protection, which cannot be carried out by a single institution but requires cross-sector collaboration. This study aims to analyze the implementation of collaborative governance by the Financial Services Authority (OJK) in overseeing cybersecurity and protecting online lending consumers in Aceh, and to identify the challenges faced. This study uses a descriptive qualitative approach with data collection techniques through interviews, observation, and documentation. The research analysis refers to the collaborative governance theory of Ansell and Gash, which includes starting conditions, facilitative leadership, institutional design, and collaborative processes. The results show that the OJK has collaborated with various stakeholders, such as Bank Indonesia, the Communications and Cryptography Agency, and law enforcement officials. However, the implementation of this collaboration has not been optimal due to limited authority at the regional level, weak coordination, limited resources, and low public literacy. Therefore, it is necessary to strengthen coordination, increase institutional capacity, and optimize public education to realize more effective and sustainable supervision. Keywords: Collaborative Governance, financial Services Authority, Cybersecurity, Consumer Protection, Online Loans