OJK BiSa: Perlindungan Konsumen di Sektor Jasa Keuangan
Summary
TLDRIn this engaging discussion, Ibu Friderika Widyasari Dewi, a commissioner of OJK, highlights the essential role of consumer protection in the financial services sector. She explains that OJK's consumer protection efforts encompass education, market conduct supervision, and complaint handling. Emphasizing the importance of financial literacy, Ibu Kiki shares recent survey results showing significant improvements in consumer understanding. She outlines mechanisms for consumers to report grievances, encouraging proactive engagement with financial service providers. The conversation underscores the collaborative effort between OJK, financial businesses, and consumers to enhance awareness and ensure fair practices in the industry.
Takeaways
- 😀 One of OJK's primary functions is to protect consumers in the financial services sector.
- 😀 Consumer protection involves education, market conduct supervision, and handling consumer complaints.
- 😀 OJK emphasizes the importance of financial literacy and inclusion as foundational for consumer understanding of financial products.
- 😀 Recent surveys show significant improvement in financial literacy and inclusion rates in Indonesia.
- 😀 OJK collaborates with stakeholders to conduct extensive educational programs both online and offline.
- 😀 Market conduct supervision ensures financial service providers adhere to ethical marketing and operational practices.
- 😀 OJK has monitored over 13,000 advertisements for compliance, resulting in corrective actions for misleading promotions.
- 😀 Consumers are encouraged to report issues via the APPK application or by contacting OJK directly.
- 😀 Disputes between consumers and financial service providers should be addressed through internal dispute resolution processes.
- 😀 Both consumers and financial service providers share the responsibility for understanding and upholding consumer rights.
Q & A
What is the primary function of OJK regarding consumer protection in financial services?
-The primary function of OJK, as mandated by law, is to protect consumers in the financial services sector, which includes educating consumers, supervising market conduct, and handling consumer complaints.
Why is consumer education emphasized by OJK?
-Consumer education is emphasized because it serves as the foundation for consumers to understand financial products and services, helping them make informed decisions.
What recent trends were noted in financial literacy and inclusion in Indonesia?
-Recent surveys indicated that financial literacy rose from 38% in 2019 to 40.5% in 2022, while financial inclusion increased from 76% to 85.1% during the same period.
How does OJK ensure inclusive consumer education?
-OJK ensures inclusive consumer education by conducting both online and offline programs, including mobile educational initiatives in markets for those who may not have easy digital access.
What is market conduct supervision, and why is it important?
-Market conduct supervision involves monitoring financial service providers to ensure they engage in fair practices. It is important to prevent misleading marketing and ensure that consumers receive products that meet their needs.
How many advertisements did OJK review in its efforts to supervise market conduct, and what was a significant finding?
-OJK reviewed over 13,000 advertisements and found that more than 400 of them violated regulations, such as making excessive promises that did not align with the products' characteristics.
What mechanisms are in place for consumers to file complaints?
-Consumers can file complaints through the APPK portal or by calling a dedicated contact number (157), which is toll-free and allows OJK to monitor responses from financial service providers.
What is the recommended process for consumers facing disputes with financial service providers?
-Consumers are advised to first approach the financial service provider directly. If unresolved, they can escalate the issue to OJK or the LAPSJK for alternative dispute resolution.
What role does collaboration play in consumer protection according to the discussion?
-Collaboration is crucial in consumer protection; OJK encourages cooperation between consumers, financial service providers, and regulatory bodies to enhance understanding of rights and responsibilities.
What tips does OJK provide for consumers when choosing financial products?
-OJK advises consumers to thoroughly understand the offerings of financial products, ensuring they are suitable for their needs, and to be cautious of offers that seem too good to be true.
Outlines
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