Peran Otoritas Jasa Keuangan Dalam Penegakan Hukum Pidana Terhadap Praktik Pinjaman Online Ilegal

The Role of the Financial Services Authority in Criminal Law Enforcement Against Illegal Online Lending Practices

Abstract

The development of online loans has given rise to new crimes in the form of illegal online loans which have resulted in fatalities due to a series of terror attacks and threats made by the perpetrators against their victims. In response to this, the OJK is required to be able to maximize its duties and authority in carrying out its supervisory and regulatory functions over all financial services activities. This research aims to determine the form of criminal responsibility for perpetrators of illegal online loans from the perspective of positive law and Islamic criminal law as well as the role of the Financial Services Authority in enforcing the law against illegal online lending practices. This research uses a normative juridical research type using a conceptual approach and a statutory approach. The results obtained include the OJK's role in overcoming illegal online lending practices by forming a collaboration with the Investment Alert Task Force (SWI). Judicial protection efforts for debtors who practice illegal lending are regulated in POJK Number 1/POJK.07/2013 concerning Consumer Protection in the Financial Services Sector, regarding findings of illegal lending by the public, they can report it via email waridainvestasi@ojk.go.id, or via OJK consumer service 157.

Berkembangnya pinjaman online memunculkan kejahatan baru berupa pinjaman online ilegal yang mengakibatkan korban jiwa akibat serangkaian teror serta ancaman yang dilakukan pelaku terhadap korbanya, menanggapi hal tersebut OJK dituntut mampu memaksimalkan tugas serta
wewenangnya dalam menjalankan fungsi pengawasan dan pengaturan terhadap keseluruhan kegiatan jasa keuangan. Penelitian ini bertujuan untuk mengetahui bentuk pertanggungjawaban pidana terhadap pelaku pinjaman online ilegal dari sudut pandang hukum positif dan hukum pidana islam serta peran Otoritas Jasa Keuangan dalam penegakan hukum terhadap praktik pinjaman online ilegal. Penelitian ini menggunakan jenis penelitian yuridis normative dengan
menggunakan pendekatan konseptual serta pendekatan perundang-undangan. Hasil yang diperoleh diantaranya Peran OJK dalam mengatasi praktik pinjaman online ilegal adalah
dengan membentuk kerjasama dengan Satgas Waspada Investasi (SWI). Upaya perlindungan yuridis terhadap debitur praktik pinjol ilegal diatur dalam POJK Nomor 1/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan, terkait temuan masyarakat terhadap pinjol ilegal
dapat melaporakanya melalui surel waspadainvestasi@ojk.go.id, atau melalui layanan konsumen
OJK 157.