Urgensi Pembentukan Undang-Undang Fintech Di Indonesia: Harapan Dan Realita Di Era Pandemic Covid-19

Didik Irawansah; Wardah Yuspin; Ridwan Ridwan; Nasrullah Nasrullah

doi:10.47268/sasi.v27i4.581

Urgensi Pembentukan Undang-Undang Fintech Di Indonesia: Harapan Dan Realita Di Era Pandemic Covid-19

Didik Irawansah⁽¹⁾, Wardah Yuspin⁽²⁾, Ridwan Ridwan⁽³⁾, Nasrullah Nasrullah⁽⁴⁾

(1) Magister Ilmu Hukum Universitas Muhammadiyah Surakarta, Surakarta, Indonesia
(2) Magister Ilmu Hukum Universitas Muhammadiyah Surakarta, Surakarta, Indonesia
(3) Program Studi Ilmu Hukum STIH Muhammadiyah Bima, Kota Bima, Indonesia
(4) Program Studi Ilmu Hukum STIH Muhammadiyah Bima, Kota Bima, Indonesia
email

Corresponding Author

Abstract

The growth of Fintech in Indonesia is very rapid, this condition is directly proportional to the legal problems that arise, the legal policy of regulation and protection of Fintech is still focused on the OJK, while the OJK still has many weaknesses in the implementation of supervision and protection of fintech activities, especially in the era of the covid pandemic. -19. The purpose of this study, first, by outlining the legal regulations issued by Bank Indonesia and the Financial Services Authority regarding fintech in Indonesia by looking at the legal weaknesses so that it is important to establish the Fintech Law. second, the urgency of the establishment of a fintech law on fintech consumer protection in Indonesia. Meanwhile, the importance of this research is that it will explain the development of the fintech industry in Indonesia, especially during the Pandemic, where the fintech industry experienced significant development so that this is an idea to provide a clear legal framework for the fintech industry. The research method used is normative juridical using library data and observations of fintech developments through library studies. Research findings show that so far fintech in Indonesia has used regulations contained in the POJK and PBI as the basis for implementing fintech, although it is felt that the regulations issued by POJK and PBI have not been able to provide maximum legal protection for the implementation of the fintech industry. so it is necessary to establish a law in order to provide legal protection for the development of the fintech industry now and in the future.

Keywords

Urgency; Fintech Act; Protection; Consumer; Indonesia

DOI

10.47268/sasi.v27i4.581

Published

2021-12-31

How To Cite

APA: Irawansah, D., Yuspin, W., Ridwan, R., & Nasrullah, N. (2021). Urgensi Pembentukan Undang-Undang Fintech Di Indonesia: Harapan Dan Realita Di Era Pandemic Covid-19. SASI, 27(4), 532 - 548. DOI: https://doi.org/10.47268/sasi.v27i4.581.

IEEE: D. Irawansah, W. Yuspin, R. Ridwan, and N. Nasrullah, "Urgensi Pembentukan Undang-Undang Fintech Di Indonesia: Harapan Dan Realita Di Era Pandemic Covid-19", SASI, vol. 27, no. 4, pp. 532 - 548, Dec. 2021. Accessed on: Apr. 27, 2025. [Online]. Available DOI: https://doi.org/10.47268/sasi.v27i4.581

Harvard: Irawansah, D., Yuspin, W., Ridwan, R., and Nasrullah, N., (2021). "Urgensi Pembentukan Undang-Undang Fintech Di Indonesia: Harapan Dan Realita Di Era Pandemic Covid-19". SASI, Volume 27(4), pp. 532 - 548. [Online]. Available DOI: https://doi.org/10.47268/sasi.v27i4.581 (Accessed on: 27 April 2025)

Chicago: Irawansah, Didik, Wardah Yuspin, Ridwan Ridwan, and Nasrullah Nasrullah. "Urgensi Pembentukan Undang-Undang Fintech Di Indonesia: Harapan Dan Realita Di Era Pandemic Covid-19." SASI 27, no. 4 (November 27, 2021): 532 - 548. Accessed April 27, 2025. doi:10.47268/sasi.v27i4.581

Vancouver: Irawansah D, Yuspin W, Ridwan R, Nasrullah N. Urgensi Pembentukan Undang-Undang Fintech Di Indonesia: Harapan Dan Realita Di Era Pandemic Covid-19. SASI [Internet]. 2021 Dec 31 [cited 2025 Apr 27];27(4):532 - 548. Available from: https://doi.org/10.47268/sasi.v27i4.581

MLA 8th: Irawansah, Didik, Wardah Yuspin, Ridwan Ridwan, and Nasrullah Nasrullah. "Urgensi Pembentukan Undang-Undang Fintech Di Indonesia: Harapan Dan Realita Di Era Pandemic Covid-19." SASI, vol. 27, no. 4, 27 Nov. 2021, pp. 532 - 548, doi:10.47268/sasi.v27i4.581. Accessed 27 Apr. 2025.

BibTeX:

@article{SASI581,
		author = {Didik Irawansah and Wardah Yuspin and Ridwan Ridwan and Nasrullah Nasrullah},
		title = {Urgensi Pembentukan Undang-Undang Fintech Di Indonesia: Harapan Dan Realita Di Era Pandemic Covid-19},
		journal = {SASI},
		volume = {27},
		number = {4},
		year = {2021},
		keywords = {Urgency; Fintech Act; Protection; Consumer; Indonesia},
		abstract = {The growth of Fintech in Indonesia is very rapid, this condition is directly proportional to the legal problems that arise, the legal policy of regulation and protection of Fintech is still focused on the OJK, while the OJK still has many weaknesses in the implementation of supervision and protection of fintech activities, especially in the era of the covid pandemic. -19. The purpose of this study, first, by outlining the legal regulations issued by Bank Indonesia and the Financial Services Authority regarding fintech in Indonesia by looking at the legal weaknesses so that it is important to establish the Fintech Law. second, the urgency of the establishment of a fintech law on fintech consumer protection in Indonesia. Meanwhile, the importance of this research is that it will explain the development of the fintech industry in Indonesia, especially during the Pandemic, where the fintech industry experienced significant development so that this is an idea to provide a clear legal framework for the fintech industry. The research method used is normative juridical using library data and observations of fintech developments through library studies. Research findings show that so far fintech in Indonesia has used regulations contained in the POJK and PBI as the basis for implementing fintech, although it is felt that the regulations issued by POJK and PBI have not been able to provide maximum legal protection for the implementation of the fintech industry. so it is necessary to establish a law in order to provide legal protection for the development of the fintech industry now and in the future.},
				issn = {2614-2961},		pages = {532--548}			doi = {10.47268/sasi.v27i4.581},
				url = {https://fhukum.unpatti.ac.id/jurnal/sasi/article/view/581}
		}

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Dublin Core		PKP Metadata Items	Metadata for this Document

1.	Title	Title of document	Urgensi Pembentukan Undang-Undang Fintech Di Indonesia: Harapan Dan Realita Di Era Pandemic Covid-19

2.	Creator	Author's name, affiliation, country	Didik Irawansah; Magister Ilmu Hukum Universitas Muhammadiyah Surakarta, Surakarta; Indonesia

2.	Creator	Author's name, affiliation, country	Wardah Yuspin; Magister Ilmu Hukum Universitas Muhammadiyah Surakarta, Surakarta; Indonesia

2.	Creator	Author's name, affiliation, country	Ridwan Ridwan; Program Studi Ilmu Hukum STIH Muhammadiyah Bima, Kota Bima; Indonesia

2.	Creator	Author's name, affiliation, country	Nasrullah Nasrullah; Program Studi Ilmu Hukum STIH Muhammadiyah Bima, Kota Bima; Indonesia

3.	Subject	Discipline(s)

3.	Subject	Keyword(s)	Urgency; Fintech Act; Protection; Consumer; Indonesia

4.	Description	Abstract	The growth of Fintech in Indonesia is very rapid, this condition is directly proportional to the legal problems that arise, the legal policy of regulation and protection of Fintech is still focused on the OJK, while the OJK still has many weaknesses in the implementation of supervision and protection of fintech activities, especially in the era of the covid pandemic. -19. The purpose of this study, first, by outlining the legal regulations issued by Bank Indonesia and the Financial Services Authority regarding fintech in Indonesia by looking at the legal weaknesses so that it is important to establish the Fintech Law. second, the urgency of the establishment of a fintech law on fintech consumer protection in Indonesia. Meanwhile, the importance of this research is that it will explain the development of the fintech industry in Indonesia, especially during the Pandemic, where the fintech industry experienced significant development so that this is an idea to provide a clear legal framework for the fintech industry. The research method used is normative juridical using library data and observations of fintech developments through library studies. Research findings show that so far fintech in Indonesia has used regulations contained in the POJK and PBI as the basis for implementing fintech, although it is felt that the regulations issued by POJK and PBI have not been able to provide maximum legal protection for the implementation of the fintech industry. so it is necessary to establish a law in order to provide legal protection for the development of the fintech industry now and in the future.

5.	Publisher	Organizing agency, location	Faculty of Law, Universitas Pattimura

6.	Contributor	Sponsor(s)

7.	Date	(YYYY-MM-DD)	2021-12-31

8.	Type	Status & genre	Peer-reviewed Article

8.	Type	Type

9.	Format	File format	PDF

10.	Identifier	Uniform Resource Identifier	https://fhukum.unpatti.ac.id/jurnal/sasi/article/view/581

10.	Identifier	Digital Object Identifier	10.47268/sasi.v27i4.581

11.	Source	Title; vol., no. (year)	SASI; Vol 27, No 4 (2021): Volume 27 Nomor 4, Oktober - Desember 2021

12.	Language	English=en	en

13.	Relation	Supp. Files	URGENSI PEMBENTUKAN UU FINTECH DI INDONESIA: HARAPAN DAN REALITA DI ERA PANDEMIC COVID-19 (146KB)

14.	Coverage	Geo-spatial location, chronological period, research sample (gender, age, etc.)

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