The Policy on the Determination of Top-Up Fee of E-Money

Fadia Fitriyanti, Muhammad Arif Hartavian

Abstract


Introduction to The Problem: Bank Indonesia (BI) has determined the top-up fee of e-money in the Board Governor Member Regulation Number 19/8/PADG/2017 on the National Payment Gateway. This regulation is contrary to article 2 paragraphs 2, article 23 paragraph 1, article 33 paragraph 2 Law Number 7 of 2011 concerning Currency expressly regulates that every person is prohibited from refusing to accept rupiah. Aside from that, the regulation has the potential to cause injustice and discrimination for consumers.

Purpose/Objective Study: This research aims to analyze whether Bank Indonesia’s actions determine the top-up fee in the form of the Board Governor Member Regulation Number 19/8/PADG/2017 on the National Payment Gateway are in line with its duties and authorities.

Design/Methodology/Approach: This research uses the normative legal research type with the statute approach to research the Legislation that regulates Bank Indonesia’s authority regarding the policy on a top-up fee issued by Bank Indonesia supervision on implementing its policy.

Findings: The research concluded that there is an inconsistency authority between Bank Indonesia and Financial Service Authority. Bank Indonesia is authorized to regulate the top-up fee of e-money to ensure consumer protection and the payment system’s smoothness. Moreover, the supervision regarding the e-money top-up fee was in the hand of Bank Indonesia. However, when the consumer suffered loss because of the e-money organizer’s fault, the Financial Service Authority could take the lead to facilitate the customer’s complaint.

Paper Type: Research Article.

 


Keywords


Electronic Money; Top-Up Fee; Policy

Full Text:

PDF

References


Ali, Z. (2009). Metode Penelitian Hukum. Jakarta: Sinar Grafika.

Arifin, M. Q. N., & Oktavilia, S. (2020). Analysis The Use of Electronic Money in Indonesia. Economics Development Analysis Journal, 9(4), 361–373.

Ayudya, A. C., & Wibowo, A. (2018). The Intention to Use E-Money using Theory of Planned Behavior and Locus of Control. Jurnal Keuangan dan Perbankan, 22(2), 335–349. https://doi.org/10.26905/jkdp.v22i2.1691

Badan Pembinaan Hukum Nasional Kementerian Hukum dan HAM RI. (2010). Laporan Akhir Pengkajian Hukum Tentang Eksistensi Peraturan Perundang-undangan di Luar Hierarki Berdasarkan UU No. 10 Tahun 2004 Tentang Pembentukan Peraturan Perundang-undangan,. Pusat Penelitian dan Pengembangan Sistem Hukum Nasional. Retrieved from http://www.bphn.go.id/data/documents/eksistensi_peraturan_perundang-undangan.pdf.

Bidari, A. S. (2014). Kedudukan Bank Indonesia (BI) Setelah Terbentuknya Otoritas Jasa Keuangan (Ojk). Ratu Adil, 3(1).

Bank Indonesia. (2017). Laporan Perekonomian Indonesia 2017. Jakarta: Bank Indonesia.

Gazali, D., & Usman, R. (2012). Hukum Perbankan. Jakarta: Sinar Grafika.

Hermansyah. (2013). Hukum Perbankan Indonesia. Jakarta: Kencana Prenada Media Group.

Hery, A., Yustianti, S., & Susilo, D. (2019). Authority of Banking Supervision And Regulation By Bank Indonesia And Financial Services Authority (OJK). YURISDIKSI: Jurnal Wacana Hukum Dan Sains, 14(1), 20–33.

Hidayati, S., Nuryanti, I., Fadly, A. F. A., & Darmawan, I. Y. (2006). Operasional E-Money KAJIAN.

Ibrahim, J. (2005). Dilematis Penerapan Undang-Undang Nomor 24 Tahun 2004 tentang Lembaga Penjamin Simpanan, Antara Perlindungan Hukum dan Kejahatan Perbankan. Jurnal Hukum Bisnis, 24(1).

Lestari, N. D., Lambey, L., & Tumiwa, J. (2018). The Use of E-Money in State Owned Banks in Manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 6(4), 2448–2457. https://doi.org/10.35794/emba.v6i4.21014

Muchda, M. W., Bachtiar, M., & Dasrol. (2014). Pengalihan Tugas Pengaturan dan Pengawasan Perbankan dari Bank Indonesia Kepada Otoritas Jasa Keuangan Berdasarkan Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan. Jurnal Ekonomi, 22(2).

Mustikawati, M., Fadila, F., & Muharir, M. (2019). Analysis of the Using of E-Money in Industrial Revolution 4.0. I-ECONOMICS: A Research Journal on Islamic Economics, 5(2), 164–182.

https://doi.org/10.19109/https://doi.org/10.19109/ieconomics.v5i2.5025

Naibaho, K., & Rahayu, S. M. (2018). Pengaruh GDP, inflasi, BI rate, nilai tukar terhadap non performing loan pada bank umum konvensional di indonesia. Jurnal Administrasi Bisnis (JAB), 62(2), 87–96.

Nursanti, T. D. (2019). The Development of Option Market and The Role of Indonesia Financial Service Authority (OJK) In Indonesia Capital Market Period 2004 - 2019. Jurnal Ilmu Manajemen & Ekonomika, 12, 20–26. Retrieved from http://journal.ibs.ac.id/index.php/jime/article/viewFile/171/168

Pikahulan, R.M. (2020). Implementasi Fungsi Pengaturan serta Pengawasan pada Bank Indonesia dan Otoritas Jasa Keuangan (OJK) terhadap Perbankan. Jurnal Penegakan Hukum dan Keadilan, 1(1), 41-51. doi: 10.18196/jphk.1103

Rizqi, M. N., & Ady, S. U. (2019). E-Money As A Payment System Tool In Flazz Bca Card Users In Surabaya. Ekspektra : Jurnal Bisnis Dan Manajemen, 3(1). https://doi.org/10.25139/ekt.v3i1.1519

Santoso, A., & Purba, A. (2006). Kedudukan Bank Indonesia dalam UUD Negara Republik Indonesia Tahun 1945 (Amandemen Keempat) dan Usulan Komisi Konstitusi dalam Konsep Amandemen Kelima UUD Negara Republik Indonesia Tahun 1945. Buletin Hukum Perbankan Dan Perbansentralan, 4(2).

Saraswati, N., & Mukhlis, I. (2018). The Influence of Debit Card, Credit Card, and E-Money Transactions toward Currency Demand in Indonesia. Quantitative Economics Research, 1(2), 87–94.

Sulistyandari, Said, N. A., & Hastuti, W. Y. (2017). Strengthening the Supervision of Market Conduct of Banking Financial Services By Financial Service Authority (Ojk) in Central Java. Jurnal Dinamika Hukum, 16(3), 258–265. https://doi.org/10.20884/1.jdh.2016.16.3.708

Widijantoro, J. (2019). The Role of Financial Services Authority in the Consumer Protection Amid the Growth of Fintech Industry in Indonesia. Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada, 31(2). https://doi.org/10.22146/jmh.43129

Zaini, Z. D. (2013). Hubungan Hukum Bank Indonesia sebagai Bank Sentral dengan Otoritas Jasa Keuangan (OJK) Pasca Pengalihan Fungsi Pengawasan Perbankan. Jurnal Media Hukum, 20(2).




DOI: http://dx.doi.org/10.26555/novelty.v12i01.a17167

Article Metrics

Abstract view : 0 times
PDF - 0 times

Refbacks

  • There are currently no refbacks.


Copyright (c) 2021 Jurnal Hukum Novelty

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

Jurnal Hukum Novelty

ISSN 1412-6834 (Print)

ISSN 2550-0090 (Online)

Creative Commons License
This journal is licensed under a Creative Commons Attribution 4.0 International License

Jurnal Hukum Novelty Stats

 

Jurnal Hukum Novelty is indexed by:

 

   

 

Jurnal Hukum Novelty is member of:

 

Translator/Proofreader Partnership: