OJK & PENGAWASAN MICROPUDENSIAL_LITERASI KEUANGAN_KELOMPOK 5
Summary
TLDRThe transcript explains the role and importance of Indonesia's Financial Services Authority (OJK). It outlines OJK's creation through the 2011 law to regulate and oversee the financial services sector, ensuring consumer protection and maintaining industry stability. The video highlights OJK's progressive milestones, such as taking over financial supervision from other institutions, its vision to become a trusted financial industry regulator, and its mission to foster a transparent, accountable financial system. The distinction between OJK's microprudential oversight and Bank Indonesia's macroprudential role is also discussed.
Takeaways
- π Otoritas Jasa Keuangan (OJK) is an independent government agency responsible for financial services supervision in Indonesia.
- π OJK was established under Law No. 21 of 2011 and operates independently, free from external interference.
- π‘ Its formation was driven by various backgrounds including business commerce, consumer protection, financial product integration, and cross-sectoral coordination.
- π OJK's establishment and functions were gradually implemented starting from November 22, 2011, with oversight of capital markets, banking, and microfinance shifting to OJK over time.
- π OJK's vision is to be a trusted financial services industry supervisor that protects consumer and public interests and strengthens the national economy.
- π― Its mission is to ensure the orderly, fair, transparent, and accountable operation of the financial services sector, promoting sustainable and stable financial growth.
- π OJK's objectives are outlined in Article 4 of Law No. 1 of 2011, focusing on orderly, fair, transparent, and accountable financial services sector activities.
- π OJK's functions and tasks are defined in Articles 5 and 6 of Law No. 21 of 2011, including integrated regulation and supervision of financial services activities.
- π¦ OJK's authority includes regulation and supervision over banking institutions, bank health, and consumer protection in financial transactions.
- π The difference between OJK and Bank Indonesia is that OJK focuses on microprudential supervision, while Bank Indonesia is responsible for macroprudential supervision and monetary policy.
Q & A
What is OJK and what does it stand for?
-OJK stands for Otoritas Jasa Keuangan, which is an independent state institution responsible for regulation and supervision of the financial services sector in Indonesia.
What is the legal basis for the establishment of OJK?
-OJK was established based on the regulation of the Republic of Indonesia Number 21 of 2011.
What are the main functions of OJK?
-OJK's main functions include implementing regulations and supervision over the financial services sector, ensuring consumer protection, and promoting the development of the financial services industry.
When was OJK officially established?
-OJK was officially established on November 22, 2011.
What are the key milestones in the development of OJK?
-Key milestones include the transfer of capital market supervision to OJK in December 2012, banking supervision in December 2013, and the shift of microfinance institution supervision to OJK on January 1, 2015.
What is the vision of OJK?
-The vision of OJK is to become a trusted financial services industry supervisor that protects the interests of consumers and society, and can make the financial services industry a competitive global economic pillar and enhance general welfare.
What is the mission of OJK?
-The mission of OJK is to ensure the orderly, fair, transparent, and accountable conduct of activities within the financial services sector, to establish a sustainable and stable financial system, and to protect the interests of consumers and society.
How does OJK's microprudential supervision differ from Bank Indonesia's macroprudential supervision?
-OJK's microprudential supervision focuses on monitoring individual financial institutions, akin to observing the growth of a single tree, while Bank Indonesia's macroprudential supervision focuses on the overall health of the financial system, similar to monitoring a forest.
What are the three main aspects of OJK's microprudential supervision?
-The three main aspects of OJK's microprudential supervision are regulation of the financial services sector, supervision of the financial services sector, and consumer protection in transactions.
What is the role of OJK in protecting consumers in the financial sector?
-OJK plays a crucial role in consumer protection by ensuring that transactions within the financial sector are conducted in an orderly, fair, transparent, and accountable manner.
How does OJK's supervision of the financial services sector contribute to the Indonesian economy?
-OJK's supervision contributes to the Indonesian economy by promoting a stable and sustainable financial system, enhancing consumer trust, and ensuring the overall health and competitiveness of the financial services industry.
Outlines
π¦ Introduction to OJK
The script discusses the increasing value of a certain stock and the suggestion to invest in an app supervised by OJK. OJK stands for Otoritas Jasa Keuangan, which is an independent state institution responsible for financial services supervision in Indonesia, established under Law No. 21 of 2011. It has a background in business mergers, consumer protection, financial product integration, and cross-sectoral coordination. Initially, consumer protection was not specifically regulated, but OJK was authorized to protect consumers in the financial sector. The establishment and development of OJK occurred in stages, with regulatory and supervisory powers over capital markets, banking, and microfinance institutions transferred to OJK on specific dates. The vision and mission of OJK are to be a trusted financial services industry supervisor that protects consumers and the community and to make the financial services industry a competitive global economic pillar that can improve general welfare. OJK's functions and tasks are defined in Law No. 21 of 2011, focusing on integrated regulation and supervision of financial services activities, ensuring orderly, fair, transparent, and accountable operations. OJK's objectives include sustainable and stable financial system development, consumer and community interest protection, and enhancing the competitiveness of financial institutions.
Mindmap
Keywords
π‘OJK
π‘Investment
π‘Consumer Protection
π‘Financial Services Sector
π‘Regulation
π‘Supervision
π‘Microprudential Supervision
π‘Macroprudential Supervision
π‘Bank Indonesia
π‘Financial Stability
π‘Transparency
Highlights
The stock is rising, suggesting a potential investment opportunity in the app.
The app is supervised by OJK, which stands for Otoritas Jasa Keuangan.
OJK is an independent government agency free from external interference.
OJK was established based on the Law No. 21 of 2011.
OJK's role is to regulate and supervise the financial services sector in Indonesia.
OJK has a diverse background including business commerce, consumer protection, financial product integration, and cross-sectoral coordination.
One of the backgrounds of OJK's establishment is consumer protection.
Before OJK was established, consumer protection in the financial services sector was not specifically regulated.
OJK was legally established on November 22, 2011.
On December 31, 2012, capital market regulation and supervision shifted to OJK.
On December 31, 2013, banking regulation and supervision were transferred to OJK.
On January 1, 2015, microfinance regulation and supervision were delegated to OJK.
OJK's vision is to be a trusted financial services industry supervisor that protects consumer and public interests.
OJK's mission is to ensure the orderly, fair, transparent, and accountable operation of the financial services sector.
OJK aims to create a sustainable and stable financial system.
The objectives of OJK are outlined in Article 4 of Law No. 1 of 2011.
OJK's functions include integrated regulation and supervision of the financial services sector.
OJK's tasks involve regulation and supervision of banking, capital markets, insurance, pension funds, financing institutions, and other financial services.
OJK's authority includes regulation and supervision of banking institutions, health, and examination.
The difference between OJK and other banks like Bank Indonesia is that OJK has microprudential supervision, while Bank Indonesia has macroprudential supervision.
Microprudential supervision by OJK is divided into three parts: regulation of the financial services sector, supervision of the sector, and consumer protection.
Bank Indonesia and OJK are siblings in the financial sector, with Bank Indonesia regulating monetary policy and OJK supervising the health of banks and non-banks.
Transcripts
Wah lagi naik nih sahamnya kayaknya kita
harus investasi di aplikasi ini deh
emang aplikasi ini sudah diawasi OJK OJK
Emang OJK itu apa sih jadi OJK atau
Otoritas Jasa Keuangan merupakan lembaga
negara yang bersifat independen dan
bebas dari campur tangan orang lain
dibentuk berdasarkan peraturan
undang-undang Nomor 21 Tahun 2011
bertugas untuk menjalankan peraturan dan
pengawasan terhadap sektor jasa keuangan
di Indonesia OJK ini terbentuk dari
berbagai macam latar belakang di mana
latar belakangnya itu komerasi bisnis
Perlindungan Konsumen integrasi produk
dan jasa keuangan Hybrid produk
koordinasi lintas sektoral dan aritrase
peraturan nah salah satu latar belakang
dari terbentuknya OJK yaitu Perlindungan
Konsumen aspek perlindungan konsumen
sebelum disah disahkannya OJK belum
diatur secara spesifik dan konkret
sehingga OJK disahkan untuk melindungi
konsumen di sektor jasa keuangan untuk
perkembangan OJK ini dilakukan secara
bertahap yang pertama yaitu pada tanggal
22 November 2011 OJK resmi disahkan oleh
undang-undang selanjutnya pada tanggal
31 Desember 2012 pengaturan dan
pengawasan pasar modal beralih ke OJK
selanjutnya 31 Desember 2013 pengaturan
dan pengawasan perbankan beralih ke OJK
dan pada tanggal 1 Januari 2015
pengaturan dan pengawasan lembaga
keuangan mikro dialihkan ke OJK lalu
terkait visi misi OJK dijelaskan oleh
Putra baik Adapun visi dan misi dari OJK
visi dari OJK adalah menjadi lembaga
pengawas industri jasa keuangan yang
terpercaya melindungi kepentingan
konsumen dan masyarakat dan mampu
mewujudkan industri jasa keuangan
menjadi pilar perekonomian nasional yang
berdaya saing global serta dapat
memajukan kesejahteraan umum Adapun misi
untuk mencapai visi tersebut adalah
mewujudkan terselenggaranya seluruh
kegiatan di dalam sektor jasa keuangan
secara teratur adil transparan dan
akuntabel mewujudkan sistem keuangan
yang tumbuh secara berkelanjutan dan
stabil serta melindungi kepentingan
konsumen dan masyarakat tujuan OJK
diatur dalam pasal 4 undangundang nomor1
tahun 201 tit jasan
akan kegiatan di sektor jasa keuangan
secara teratur adil transparan dan
akuntabel mewujudkan sistem keuangan
yang berkelanjutan dan stabil melindungi
kepentingan masyarakat konsumen pengguna
produk dan jasa keuangan meningkatkan
daya saing lembaga Jasa Keuangan menjaga
kepentingan nasional di sektor jasa
keuangan serta menjamin tata kelola yang
baik fungsi dan tugas OJK diatur dalam
pasal 5 dan 6 undang-undang Nomor 21
Tahun 2011 tentang Otoritas Jasa
Keuangan di mana fungsi dari OJK yaitu
menyelenggarakan sistem pengaturan dan
pengawasan yang
terintegrasi dengan keseluruhan kegiatan
di dalam sektor jasa keuangan Adapun
tugas dari OJK yaitu melakukan
pengaturan dan pengawasan terhadap
kegiatan Jasa Keuangan di sektor
perbankan di sektor pasar modal dan di
sektor perasuransian dana pensiun
lembaga pembiayaan dan lembaga Jasa
Keuangan Lainnya terakhir mengenai
wewenang OJK yaitu pengaturan dan
pengawasan mengenai kelembagaan bank
pengaturan dan pengawasan mengenai
kesehatan bank pengaturan dan pengawasan
mengenai aspek kehati-hatian bank dan
pemeriksaan bank jadi setelah kita
mengetahui apa itu OJK Bagaimana latar
belakang dan visi misinya Jadi sekarang
kita akan membahas terkait dengan Apa
perbedaan dari OJK dengan bank lainnya
seperti Bank Indonesia jadi OJK memiliki
pengawasan mikropudensial jika
diumpamakan seperti se kita meneliti
atau memantau suatu pohon Bagaimana
perkembangan atau pertumbuhan dari pohon
tersebut dan pengawasan makropudensial
yang dimiliki oleh Bank Indonesia
seperti kita memantau satu hutannya Jadi
itulah perbedaan antara pengawasan
mikropudensial dengan pengawasan
makropudensial untuk pengawasan
mikropudensial itu terbagi menjadi tiga
bagian yang pertama pengaturan terhadap
sektor jasa keuangan yang kedua
pengawasan terhadap sektor jasa keuangan
dan yang terakhir perlindungan konsumen
terhadap transaksi yang dilakukan Jadi
itulah tiga tahapan penting yang
dimiliki oleh pengawasan mikropudensial
OJK namun dengan perbedaan tersebut Bank
Indonesia dan OJK tetaplah saudara
karena Bank Indonesia yang meregulasikan
kebijakan moneter dan OJK yang mengawasi
kesehatan bank ataupun nonbank seperti
asuransi pasar modal dan lainnya
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