Penguatan Bank Perekonomian Rakyat Berbasis Asas Demokrasi Ekonomi: Paradigma Keadilan Sosial
DOI:
Abstract Views:
638 times
PDF Downloads:
799 times
Abstract
The increasingly complex and numerous fundamental problems in the financial sector are driving financial sector have encouraged reform of the financial industry through the omnibus law, Law Number 4 of 2023 concerning Development and Strengthening of the Financial Sector (UUP2SK). The main aim of the presence of UUP2SK is to improve and direct the financial sector to be able to face global dynamics, be fair, sustainable, stable and inclusive as an embodiment of economic democracy which ultimately leads to the creation of social justice. One way of strengthening the financial services sector is through expanding the business activities of People’s Economic Banks (BPR) in Article 13 paragraph (1) letter g UUP2SK which opens up opportunities for BPR’s to collaborate with other financial service institutions, one of which is fintech lending so that they can expand accessibility all levels of society regarding funding. Based on this, the aim of this writing is to find out the implications of the UUP2SK omnibus law on expanding BPR businesses and strengthening BPR based on economic democracy after UUP2SK in realizing social justice for society. This research is normative legal research using a statutory regulatory approach and a conseptual approach. The data used is secondary data through literature study of primary, secondary and tertiary legal materials. The results of this research show that expanding BPR cooperation with other financial service institutions, namely fintech lending, can be a solution for equalizing BPR in Indonesia, as a concretization of the principles of economic democracy in realizing social justice for all society. However, it is necessary to strengthen and improve the level of substance, structure, and legal culture by prioritizing the spirit of economic democracy to realize social justice for the entire community.
Downloads
References
Abdul Madjid dan Sri-Edi Swasono. (1988). Wawasan Ekonomi Pancasila. Jakarta: UI Press.
Darji Darmodiharjo dan Sidarta. (2006). Pokok-Pokok Filsafat Hukum: Apa dan Bagaimana Filsafat Hukum di Indonesia Cetakan Keenam. Jakarta: PT. Gramedia Pustaka Utama.
Djoni S. Gazali dan Rachmadi Usman. (2010). Hukum Perbankan. Jakarta: Sinar Grafika.
Dominikus Rato. (2017). Pengantar Filsafat Hukum (Mencari, Menemukan, dan Memahami Hukum) Cetakan I. Yogyakarta: LaksBang PRESSindo.
Jimly Asshiddiqie. (2020). Omnibus Law dan Penerapannya di Indonesia. Jakarta: Konstitusi Press (Konpress).
Maria Farida Indrati. (2007). Ilmu Perundang-Undangan: Jenis, Fungsi dan Materi Muatan. Yogyakarta: Kanisius.
Mochtar Kusumaatmaja. (2022). Konsep-Konsep Hukum dalam Pembangunan. Bandung; Alumni.
Pandu Suharto. (1992). Peran, Masalah dan Prospek Bank Perkreditan Rakyat. Jakarta: Lembaga Pengembangan Perbankan Indonesia.
Sri-Edi Swasono. (1990). Bung Hatta Bapak Koperasi Tokoh Demokrasi Ekonomi. Jakarta: Dekopin.
Suryawasita SJ. (1989). Asas Keadilan Sosial. Yogyakarta: Kanisius.
Uzair Fauzan dan Heru Prasetyo. (2006). Teori Keadilan: Dasar-Dasar Filsafat Politik untuk Mewujudkan Kesejahteraan Sosial dalam Negara Cetakan I. Yogyakarta: Pustaka Pelajar (terjemahan dari John Rawls. (1995). A Theory of Justice. Cambridge, Massachusetts: Harvard University Press).
Zainal Arifin Mochtar dan Eddy O.S Hiariej. (2023). Dasar-Dasar Ilmu Hukum: Memahami Kaidah, Teori, Asas, dan Filsafat Hukum. Depok: Rajawali Pers.
Devi Anggraeni & Wisnu Budhi Pratomo. (2023). Dampak Undang-Undang Nomor 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan (P2SK) terhadap Kelangsungan Sektor Jasa Keuangan Khususnya Sektor Lembaga Pembiayaan. Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan, 5(12), 2.
Dhezya Pandu Satresna (2023). Pengaturan Metode Omnibus Dalam Undang-Undang Nomor 13 Tahun 2022 tentang Pembentukan Peraturan Perundang-Undangan. Jurnal APHTN-HAN, 2(1), 67. doi: https://doi.org/10.55292/japhtnhan.v2i1.68.
Fajar Kurniawan. (2020). Problematika Pembentukan RUU Cipta Kerja dengan Konsep Omnibus Law. Jurnal Panorama Hukum, 5(1), 242. doi: https://doi.org/10.21067/jph.v5i1.4437.
Iqbal Hasanuddin. (2018). Keadilan Sosial: Telaah atas Filsafat Politik John Rawls. Jurnal Refleksi, 17(2), 8. doi: https://doi.org/10.15408/ref.v17i2.10205.
Muhammad Ihsan Firdaus. (2023). Metode Omnibus Law dalam Pembaharuan Hukum Pembentukan Peraturan Perundang-Undangan di Indonesia (Studi Perbandingan Negara Kanada, Amerika Serikat, Filipina dan Vietnam). Jurnal Hukum IUS QUIA IUSTUM, 30(2), 132. doi: https://doi.org/10.20885/iustum.vol30.iss2.art1.
Pando & Kosariza. (2021). Analisis Terhadap Konseptualisasi Omnibus Law Sebagai Upaya Penyelesaian Masalah Regulasi Hukum di Indonesia Berdasarkan Undang-Undang Republik Indonesia Nomor 15 Tahun 2015 tentang Pembentukan Peraturan Perundang-Undangan. Limbago: Journal of Constitutional Law, 1(2), 243. doi: https://doi.org/10.22437/limbago.v1i2.13390.
Sangeetha D. (2018). Impact of Globalization on Banking Sector. International Journal of Creative Research Thoughts, 6(2), 285-286.
Tri Winarsih. (2022). Memaknai Perkembangan Fintech Syariah melalui Sistem Akad Syariah. POPULER: Jurnal Penelitian Mahasiswas, 1(3), 132. doi: https://doi.org/10.58192/populer.v1i3.519.
Yusril Rahman Hakim. (2021). Kebijakan Omnibus Law dalam Perspektif Kebijakan Buruh di Indonesia. Jurnal PolGov, 3(1), 251. doi: https://doi.org/10.22146/polgov.v3i1.3611.
Undang-Undang Dasar Negara Republik Indonesia Tahun 1945.
Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan (Lembaran Negara Republik Indonesia Tahun 1992 Nomor 31, Tambahan Lembaran Negara Republik Indonesia Nomor 3472).
Undang-Undang Nomor 10 Tahun 1998 tentang Perubahan atas Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan (Lembaran Negara Republik Indonesia Tahun 1998 Nomor 182, Tambahan Lembaran Negara Republik Indonesia Nomor 3790).
Undang-Undang Nomor 4 Tahun 2023 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan (Lembaran Negara Republik Indonesia Tahun 2023 Nomor 4, Tambahan Lembaran Negara Republik Indonesia Nomor 6845).
Undang-Undang Nomor 12 Tahun 2011 tentang Pembentukan Peraturan Perundang-Undangan (Lembaran Negara Republik Indonesia Tahun 2011 Nomor 82, Tambahan Lembaran Negara Republik Indonesia Nomor 5234).
Undang-Undang Nomor 15 Tahun 2019 tentang Perubahan atas Undang-Undang Nomor 12 Tahun 2011 tentang Pembentukan Peraturan Perundang-Undnagan (Lembaran Negara Republik Indonesia Tahun 2019, Nomor 183, Tambahan Lembaran Negara Republik Indonesia Nomor 6398).
Undang-Undang Nomor 13 Tahun 2022 tentang Perubahan Kedua atas Undang-Undang Nomor 12 Tahun 2011 tentang Pembentukan Peraturan Perundang-Undangan (Lembaran Negara Republik Indonesia Tahun 2022, Nomor 143, Tambahan Lembaran Negara Republik Indonesia Nomor 6801).
Peraturan Otoritas Jasa Keuangan Nomor 62/POJK.03/2020 tentang Bank Perkreditan Rakyat.
Peraturan Otoritas Jasa Keuangan Nomor 10/POJK.05/2022 tentang Layanan Pendanaan Bersama Berbasis Teknologi Informasi.
Putusan Mahkamah Konstitusi Nomor 91/PUU-XVIII/2020.
AFTECH. (2020). Laporan Annual Member Survey 2019/2020. Available online from: https://fintech.id/en/dokumen/aftech-annual-member-survey-report-20192020. [Accessed October 19, 2023].
Badan Kebijakan Fiskal Kementerian Keuangan. (2022). UU P2SK Resmi Disahkan, Langkah Awal Reformasi Sektor Keuangan. Available online from: https://fiskal.kemenkeu.go.id/baca/2022/12/15/4378-uu-p2sk-resmi-disahkan-langkah-awal-reformasi-sektor-keuangan. [Accessed October 22, 2023].
______________. (2022). Diagnosa Awal Kinerja Bank Perkreditan Rakyat dan Bank Pembiayaan Rakyat Syariah dan Potensi Usaha Mikro dan Kecil (UMK). Available online from: https://fiskal.kemenkeu.go.id/files/berita-kajian/file/1672296139_lampiran3ndpermohonanpublikasihasilkajianbprbprskepadasetbkfkajianbprbprs22122022pdf.pdf. [Accessed October 22, 2023].
Berita Perbankan. (2021). LPS Ungkap Alasan BPR Paling Banyak Dilikuidasi. Available online from: https://beritaperbankan.id/lps-ungkap-alasan-bpr-paling-banyak-dilikuidasi/. [Accessed October 19, 2023].
Departemen Penelitian dan Pengaturan Perbankan Otoritas Jasa Keuangan. (2021). Panduan Kerja Sama BPR & Fintech Lending. Available online from: https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Documents/Pages/Buku-Panduan-Kerjasama-Bank-Perkreditan-Rakyat-(BPR)-dengan-Lembaga-Layanan-Pinjam-Meminjam-Berbasis-Teknologi-Informasi/Buku%20-Panduan%20Kerjasama%20BPR%20dengan%20Fintech%20P2P%20Lending.pdf. [Accessed October 19, 2023].
Kompas.com. (2023). Aset BPR dan BPRS Naik 9,14 Persen Jadi Rp 202,46 Triliun. Available online from: https://money.kompas.com/read/2023/05/24/110000726/aset-bpr-dan-bprs-naik-9-14-persen-jadi-rp-202-46-triliun. [Accessed October 17, 2023].
Kompas.id. “Omnibus Law” Sektor Keuangan Perlu Dicermati. Available online from: https://www.kompas.id/baca/ekonomi/2022/10/12/omnibus-law-sektor-keuangan-perlu-dicermati. [Accessed October 17, 2023].
Lembaga Penjamin Simpanan (2023). Bank yang Dilikuidasi. Available online from: https://lps.go.id/bank-yang-dilikuidasi. [Accessed October 18, 2023].
Media Keuangan. (2023). UU P2SK Urgen, Ini Alasannya. Available online from: https://mediakeuangan.kemenkeu.go.id/article/show/uu-p2sk-urgen-ini-alasannya. [Accessed October 22, 2023].
Otoritas Jasa Keuangan. (2021). Roadmap Pengembangan Perbankan Indonesia Bagi Industri BPR dan BPRS. Available online from: https://ojk.go.id/id/berita-dan-kegiatan/publikasi/Documents/Pages/Roadmap-Pengembangan-Industri-BPR-dan-BPRS-(RBPR-S)-2021-2025/ROADMAP%20PENGEMBANGAN%20INDUSTRI%20BPR%20DAN%20BPRS%20(RBPR-S)%202021-2025%20(LONG%20VERSION).pdf. [Accessed October 20, 2023].
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
All articles published in YUSTIKA are licensed under a Creative Commons Attribution-ShareAlike 4.0 International (CC BY-SA) license. This means anyone is free to copy, transform, or redistribute articles for any lawful purpose in any medium, provided they give appropriate attribution to the original author(s) and YUSTIKA, link to the license, indicate if changes were made, and redistribute any derivative work under the same license.
Copyright on articles is retained by the respective author(s), without restrictions. A non-exclusive license is granted to YUSTIKA to publish the article and identify itself as its original publisher, along with the commercial right to include the article in a hardcopy issue for sale to libraries and individuals.
Although the conditions of the CC BY-SA license don't apply to authors (as the copyright holder of your article, you have no restrictions on your rights), by submitting to YUSTIKA, authors recognize the rights of readers, and must grant any third party the right to use their article to the extent provided by the license.
.jpg)
