Synchronization Regulation Debt Collector Industry Finance in Indonesia

Daniel Constantyn Adam

Abstract


The Financial Industry in Indonesia in providing credit facilities or financing facilities for debtors will definitely require debt collection activities from debtors who have defaulted in the context of recovering receivables from debtors. Who in this activity usually collaborate and or authorize debt collectors to carry out the collection function. However, in reality in the field there are many violations of the law committed by debt collectors and based on the analysis conducted in the study, it was found that one of the causes was due to regulatory conditions or regulations from Bank Indonesia (PBI) and the Financial Services Authority (POJK) regulations regarding debt collectors only apply binding on the financial industry as service users of debt collectors and not binding directly on each individual debt collector due to the limited regulatory authority of the two financial industry regulators who are only entitled to regulate the financial industry as stipulated in the existing laws and regulations. Therefore, in order to prevent violations of the law by debt collectors, it is necessary to have synchronized regulations from Bank Indonesia and the OJK and involve the Indonesian National Police (Polri) and the Supreme Court of the Republic of Indonesia in completing the preparation of regulations that are synchronized and have norms and objectives that are pre-emptive against law violations by debt. collector as will be described in this paper.


Keywords


financial industry; debt collector; synchronization; pre-emptive.

Full Text:

PDF

References


Agus Rahmat, Andrew Tito. (2022). viva.co.id, 07 September 2021, “Elang Eye Chronology Take Ojol 's motorbike to the point of swinging ", Source: h t t p s :/ / www . viv a . c o . i d / b er i t a / m e t r o /1 4 0 2 4 5 5 - kr o no l o g i - m a t a - el a n g - r a m p a s -motor-ojol-until-hanging , Accessed Date 12 April.

Alhamdulillah Ramadan. (2020). Crime Threat of Violence committed by Debt collector Loan On line To Debtor. let's go University Riau. Vol. III No. 2. Thing 10 – 11.

Andi Mohammad Ikhbal. (2022). Lampung innews.id, "Refuse to Pay Debts" D i t u s u k D e b t c o l l e c t o r ”, Su m b er : h t t p s :/ / l a m p u n g . i n ew s . i d / b e r i t a / t o l a k - b a y a r - u t a n g - debtor-stabbed-debt-collector , Accessed date 12 April.

Antaranews.com, 04 December (2021), OJK Records Consumer Complaints 2021 Majority About Fintech. Accessed Date 12 April 2022.h t t p s :/ / www . a n t a r a n ew s . c o m / b e r i t a / 2 5 6 4 9 6 1 / o j k - c a t a t - pe n g a d u a n - ko n s u m e n - d i - 2021-majority-about-fintech

Ari W, brito.id, Reported from Sumber Warta Ekonomi, 11 May(2021), “11 People The Debt Collector, who confronts Serda Nurhadi, will be severely punished”, Accessed Date 12 April 2022. https:// www.brito.id/11-orang-debt-collector-garang-yang- hadang-serda-nurhadi-will-be severely punished ,

Brotherhood Habib. Accountability Criminal Party Leasing which Hiring Debt collector in Complete Receivables with To do Persecution in Police. let's go University Riau. Vol. II No. 2. 2015. Thing 13.

Debt collector Customer terror, Standard Chartered Sentenced to IDR 1 Billion, 14 A g u s t u s 2 0 1 4 ., in access _ _ t a n gg a l 12 A p r i l 2 0 2 2 . h t t p s :/ / n ews . de t i k . c o m / b eri t a / d - 2662264/debt-collector-terror-customers-standard-chartered-dihuku m-rp-1 billion

Debt collector Shooter Dead Siti Fauziah Sentenced 12 Year, 04 March 2021, , Su m b er : h tt p s :/ / www . jp n n . _ c o m / n e ws / t o k - d e b t - c o ll e c t o r - p e n e m b a k - m a t i - s i t i - fauziah-convicted-12-years?page=2 , Accessed Date 12 April 2022.

Djumhana, Muhammad.Law Banking in Indonesia. Bandung: PT. CitraAditya devotion. 2012.

Fatin Nandari. Rof'fah Setyowati. Legal Protection for Customers In the Process of Billing Islamic Credit Card Arrears Through Debt Collector Services On Industry Banking Sharia In Indonesia. Diponegoro Law Journal. Vol. 5 No. 3. 2016. Thing. 18 – 19.

ferry andrianton. Use Service Debt collector by Party Bank in Bad Credit Billing on Credit Cards. Journal of Law. Vol. 7. No. 1. 2020. Pg. 5.

Frandi Piring, Tribun Manado.co.id, 27 July 2021, “A group of debt collectors Persecution Consumer until killed, Victim had time being chased” This Chronology, Source: https://manado. Tribunnews.com/2021 _ _/07/27/sekumpul-debt-collector-persecution-consumer-until-killed-victim-had- chased-this chronology, Accessed date 12 April 2022.

July Tjahyadi, debt collector Bank M Billing To Third Parties, 19 December 2021. accessed on date 12 April 2022.h t t p s : // m edi a ko n s u m e n . c o m /2 0 2 1 /1 2 /1 9 / s u r a t - p e m b a c a / de b t - c o ll ec t o r - b a n k - mega-billing to the parties third.

Jusnizar Sinaga. Withdrawal of Vehicle Units by Debt collector against the debtor in terms of the aspects of criminal law. USU Law Journal. Vol.5. No.2. 2017. Thing. 108.

Miswan Ansori. "Development and Impact Financial Technology (FINTECH) to Industry Finance Sharia in Java Middle". Vehicle islamic: Journal Studies Islamic. Vol. 5 No. 1. April 2019. Thing : 35.

Niati, D. R., Siregar, Z. M. E., & Prayoga, Y. (2021). The Effect of Training on Work Performance and Career Development: The Role of Motivation as Intervening Variable. Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences, 4(2), 2385–2393. https://doi.org/10.33258/birci.v4i2.1940

Prof. Dr. Thamrin Abdullah, S.Pd., MM Dr. Ir. Sintha Wahjusaputri, MM Bank and Institution Finance. Jakarta: Partner Discourse Media, 2018.

Reza pahlavi, katadata.co.id,10 January 2022, YLKI Note 535 Complaint Consumer Throughout the year 2021. , Accessed Date 12 April 2022 . h tt p s :/ / d a t a b o ks . k a t a d a t a . c o . i d / d a t a p u b li s h /2 0 2 2 /0 1 /1 0 / yl ki - c a t a t - 535 - a d u a n - consumers throughout 2021

Reza pahlavi, katadata.co.id,10 January 2022, YLKI Note 535 Complaint Consumer Throughout the year 2021. , Accessed Date 12 April 2022 . h tt p s :/ / d a t a b o ks . k a t a d a t a . c o . i d / d a t a p u b li s h /2 0 2 2 /0 1 /1 0 / yl ki - c a t a t - 535 - a d u a n - consumers throughout 2021

Rudi Afgani Dirgantara, liputan6.com, 02 November 2020, “This is what happened Moment Debt collector Try Consumption meth For Plus N y a li ”, Su m b er: h t t p s :/ / www . li p u t a n 6. c o m / reg i on a l / re a d / 4 3 9 8 2 1 8 / i n i - y a n g - work d i - when-debt-collector-try-try-consuming-meth-for-meat-boosting-guts , Accessed on 12 April 2020

S.Dian andryanto, Tempo.Co, 20 May (2021), Crowded Company Use Service Debt collector , What is the Legal Basis ?, Source: h t t p s :/ / m e t r o . t e m p o . c o / re a d /1 4 6 4 0 3 1/ r a m a i - p er u s a h aa n - p a k a i - j a s a - de b t - c o ll ec t o r - what-laws , Accessed Date 12 April 2022.

S.Dian andryanto, Tempo.Co, 20 May (2021), Crowded Company Use Service Debt collector , What is the Legal Basis ?, Source: h t t p s :/ / m e t r o . t e m p o . c o / re a d /1 4 6 4 0 3 1/ r a m a i - p er u s a h aa n - p a k a i - j a s a - de b t - c o ll ec t o r - what-laws , Accessed Date 12 April 2022.

Shah, M. M., et al. (2020). The Development Impact of PT. Medco E & P Malaka on Economic Aspects in East Aceh Regency. Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Volume 3, No 1, Page: 276-286.

Sita Dwiningthyas. Use of Debt Collectors in Credit Settlement Congested on Bank Standard Chartered (Analysis Decision MA Number 3192 K/Pdt/2012). Law Business UIN Jakarta. Thing. 62.

Soegianto. Diah Sulistiyani. M. Junaidi. (2019). Execution of Fiduciary Guarantee in Study Invite – law No. 42 know 1999 about Guarantee Fiduciary. Journal Ius Constituentum. Vol. 4 No. 2. Thing. 7.

Soerjono Soekanto & Sri Mamudji, (2009). Research Law normative. JakartaL eagle Pers..p. 13-14.

Vera Rimbawani S. (2020). Juridical Review of Debt Collectors and Post Leasing Decision Court Constitution NUMBER 18/PUU-XVII/2019. Gorontalo Law Reviews. Vol. 3 Number 1.Thing. 68.

Wening Novridasati. (2020). Fintech Desk Collector Criminal Liability Illegal as well as Protection To Victim. Journal Litigation. Vol. 21(2). Thing 247 – 249.

Werdhiastutie, A. et al. (2020). Achievement Motivation as Antecedents of Quality Improvement of Organizational Human Resources. Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Volume 3, No 2, Page: 747-752.

Widianingsih. (2016). Juridical Analysis Minister of Finance Regulation (PMK) No. 130/PMK.010/2012 concerning Fiduciary Registration for Financing Companies. Journal Panorama Law. Vol.1 Number 1.

Yadi Saputra. (2018). The Position of the Financial Services Authority in Supervising Institutions Finance Non – Bank. University Mataram.. Thing 12 – 14.

Yusuf.BJ, Metrosulawesi.co.id, 15 October (2019), “Bring Sajam Debt collectors D i t e t a p k a n J a di Ters a n gk a ”, Su m b er : h t t p s :/ / m e t r o s u l a wes i . i d /2 0 1 9 /1 0 /1 5 / b a w a - s a j a m - de b t - c o l l ec t o r - d i t e t a p k a n - j a d i- t ers a n g k a / , in access _ _ T a n gg a l 12 A p r i l 2 0 22

Zaenal .A, Antaranews.com, 25 May (2016), Debt collector Rape Girls Below U m u r , S u m b er: h tt p s :/ / j a t e n g . a n t a r a n ews . c o m / b er i t a /1 4 3 2 0 0 / de b t - c o l l ec t o r - rape-girl-under-age ,Accessed date April 12 2022




DOI: https://doi.org/10.33258/birci.v5i3.6182

Article Metrics

Abstract view : 39 times
PDF - 22 times

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

 

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.