Juridical Reviews on Branchless Banking Toward the Potential of Fraud Due to the Using of Agent

Winarsih winarsih

Abstract

Branchless banking is a new system which is implemented by banks in Indonesia
with aims to provide services to rural communities in order to access banking
services such as lending or deposit money in the bank through an intermediary
agent. At first the rural communities are hard to obtain banking facilities such as
micro-credit whereas economic activities are largely actuated by lower-class
sector therefore the Financial Services Authority or Otoritas Jasa Keuangan (OJK)
issued the regulation number. 19/POJK.03/2014 about the financial services
without office in the framework of financial inclusion on November 18, 2014 to
face it. In this regulation, there are several things that need to be reviewed such
assessment accountability arrangements of agent as a third party who is not
clearly regulated whereas according to some research there are some risk in the
mechanism of implementation like as potential of fraud due to the using of agent
in this system. Though basically branchless banking is one of the strategic
national strategies to provide financing to small businesses in rural areas in order
to increase the competitiveness of products to compete in the ASEAN economic
community. Therefore, a legal instrument that can ensure and provide legal
certainty in branchless banking system is a very important thing, more over
branchless banking is the strategic of government to develop the quality of the
rural economy to face the ASEAN economic community.

Keywords

Regulation; Branch-less Banking; Agent; Fraud

Full Text:

PDF

References

Aanawalt, Paul "Russia's Siberbank and a Fresh Look at the Glass-Steagall Act" in Zulkarnean Sitompul, Perlindungan Dana Nasabah Bank Suatu Gagasan tentang Pendirian Lembaga Penjamin Simpanan di

Indonesia. Jakarta: Graduate Faculty of Law, University of Indonesia.

Simanjuntak, Ricardo. 2015. The Dispute Settlement Mechanisms Under the ASEAN Legal Frameworks: A Collective Commitment Creating the Rules- Based ASEAN Economic Community. Jakarta: Kontan Publishing

Sitompul, Zulkarnain. 2002. Perlindungan Dana Nasabah Bank Suatu Gagasan tentang Pendirian Lembaga Penjamin Simpanan di Indonesia. Jakarta: Graduate Faculty of Law, University of Indonesia.

Sutedi, Adrian. Hukum Perbankan Suatu Tinjauan Pencucian Uang, Merger, Likuidasi dan Kepailitan. Jakarta: Sinar Grafika.

Febriarti, Primitiva. Agen Sang Ujung Tombak, the Gerai Info Bank Indonesia Magazine published by Bank Indonesia Issue 39, June 2013, Year 4

Fitriastuti, Triana, Dhina Mustika Sari, Ike Purnamasari. Implementasi Keuangan Inklusif Bagi Masyarakat Perbatasan (Studi Kasus Pada Kutai Timur, Kabupaten Kutai Kartanegara Dan Kota Samarinda, Kalimantan Timur, Indonesia). Proceedings of the National Seminar on Economic Management and Accounting (SNEMA) Faculty of Economics, University of Padang ISBN: 978-602-17129-5-5).

Khanan and Pujiyono. 2016. “Aspek Yuridis Keberadaan Agen dalam Model Branchless Banking di sistem Perbankkan Indonesia”, Privat Law Journal Vol. IV No. 1 from January to June, 2016.

Kusumawati, Aster. 2015. Tanggungjawab Agen kepada Nasabah Penyimpan dan Simpananya terhadap Layanan Perbankan Baranchless Banking (Ditinjau dari Peraturan Otoritas Jasa Keuangan Nomor 19/POJK.03/2014 Tanggal 19 November 2014 Tentang Layanan Keuangan Tanpa Kantor Dalam Rangka Keuangan Inklusif). Notary Master Thesis at Faculty of Law Brawijaya University.

Nuraini, Fitri, Rieska Maharani, Andrianto. 2016. The Strategy of Enhancimg Competitiveness and Cooperation in Dealing SMEs AEC (Asean Economic Community): A Litarature Based Study, on Journal Semiar Nasional Ekonomi dan Bisnis and Call for Paper FEB UMSIDA.

Nurtjipto. 2012. Aspek Hukum Penggunaan Agen dalam Kegiatan Branchless Banking di Perbankan Indonesia. Thesis at the Faculty of Law, University of Indonesia

Sarah, Hidayati, “Dampak Branchless Banking Terhadap Kinerja Keuangan PT Bank Muamalat Indonesia Tbk”, Journal Al-muzara'ah 136 (p ISSN: 2337- 6333; e: 2355-4363).

Secioktaviany, Zhaskia Maya and Hudi Asrori. 2016. “Optimaliasasi Manajemen Resiko sebagai Upaya Preventif Resiko Hukum pada Bank Penyelenggara Branchless Banking di Indonesia”, Privat Law Journal Vol. IV No. 2 July to December, 2016.

Simatupang, Richard Burton. 2015. “Aspek Hukum dalam Bisnis, dalam Aster Kusumawati, Tanggungjawab Agen kepada Nasabah dan Simpananya terhadap Layanan Perbankan Branchless Banking (Ditinjau Dari Peraturan Otoritas Jasa Keuangan Nomor 19/POJK.03/2014 Tanggal 19 November 2014 Tentang Layanan Keuangan Tanpa Kantor dalam Rangka Keuangan Inklusif)”. Journal of the Master of Notary.

Supartoyo, Yesi Hendriani and Kasmiati. Branchless Banking Mewujudkan

Keuangan Inklusif sebagai Alternatif Solusi Inovatif Menanggulangi

Kemiskinan: Review dan Rekomendasi

Wibowo, Pungky Purnomo. Branchless Banking setelah Multilicense: Ancaman atau Kesempatan bagi Perbankan Nasional, (Papers in Terms of

Educational Staff Chairman of Bank Indonesia (SESPIBI) Force XXXI,

Bank Indonesia).

Indonesia, the Act on Banking as amended by Act Number 10 of 1998. Act

Number 7 of 1992. LN. No 31, TLN No. 3472.

------------, the Act on Amendment of Act Number 7 of 1992 on Banking. Law

No. 10 of 1998, LN. 1998/182, TLN No. 3790.

------------, the Act on Amendment of Act of the Republic of Indonesia Number 23

of 1999 concerning Bank Indonesia as amended by Act No. 6 of 2009. Act

Number 3 of 2004. LN. No. 7, TLN No. 4357.

------------, the Act on the Financial Services Authority, Act Number 21 of 2011.

LN. No 111, TLN No.5253.

OJK Regulation No 19/POJK.03/2014 on the the Financial Services without

Office in the Framework of Inclusive Finance.

Other Sources

Pocket book issued by the Financial Services Authority, Seputar Informasi

mengenai Layanan Keuangan tanpa Kantor dalam Rangka Keuangan

Inklusif (Laku Pandai).

Quarterly Report III-2014 issued by the Financial Services Authority.

Quarterly Report IV-2014 issued by the Financial Services Authority.

Academic Paper Bill on Restriction of Cash Transactions compiled by the

National Law Center Development Planning, Ministry of Law and Human

Rights, 2013.

Selilit Fraud in MPS, Adi Novita, Infobank published in November 2013

Refbacks

  • There are currently no refbacks.