Electronic Theses and Dissertation

ABSTRAK


Penelitian ini bertujuan untuk menganalisis penerapan regulatory governance oleh Otoritas Jasa Keuangan (OJK) dalam pengawasan perlindungan konsumen layanan pinjaman online di Aceh. Pendekatan yang digunakan adalah kualitatif, dengan data diperoleh melalui wawancara mendalam dan dokumentasi. Hasil penelitian menunjukkan bahwa OJK telah menerapkan Regulatory Governance yang meliputi prinsip Regulatory Impact Analysis (RIA) seperti membuka ruang partisipasi publik dalam penyusunan regulasi, menyediakan akses terhadap rancangan aturan secara daring, serta melakukan evaluasi sebelum regulasi diberlakukan, Stakeholder Engagement melalui public hearing, forum diskusi, konsultasi dengan pengawas daerah, serta membuka akses bagi masyarakat umum untuk memberikan masukan melalui website dan email, dan Ex-Post Evaluation seperti menjadikan pengaduan masyarakat sebagai masukan untuk evaluasi dan perbaikan regulasi. Namun, keterbatasan kewenangan OJK daerah, ketertinggalan regulasi dari inovasi, lemahnya pengawasan terhadap praktik penagihan, serta rendahnya literasi konsumen menjadi tantangan utama. Penelitian ini merekomendasikan penguatan koordinasi pusat-daerah, edukasi langsung kepada masyarakat, dan regulasi yang adaptif terhadap perkembangan teknologi.

Kata kunci: Regulatory Governance, Otoritas Jasa Keuangan, Perlindungan
Konsumen, Pinjaman Online.

ABSTRACT This study aims to analyze the implementation of regulatory governance by the Financial Services Authority (Otoritas Jasa Keuangan/OJK) in supervising consumer protection in online lending services in Aceh. A qualitative approach was employed, with data collected through in-depth interviews and documentation. The findings indicate that OJK has applied regulatory governance principles, including Regulatory Impact Analysis (RIA) by facilitating public participation in the regulatory drafting process, providing online access to draft regulations, and conducting evaluations prior to implementation. Stakeholder engagement was evident through public hearings, discussion forums, consultations with regional supervisors, and open channels for the public to submit feedback via the website and email. Ex-post evaluation was carried out by utilizing public complaints as input for regulatory assessment and improvement. However, the study also identifies several key challenges, including limited authority at the regional OJK level, regulatory lag behind innovation, weak oversight of debt collection practices, and low levels of consumer financial literacy. This research recommends strengthening coordination between central and regional offices, providing direct public education, and developing regulations that are adaptive to technological developments. Keywords: Regulatory Governance, Financial Services Authority, Consumer Protection, Online Loans.