Wijaya, Mutiara Anisa (2023) Peran Otoritas Jasa Keuangan (ojk) Tehadap Kesalahan Bank Dalam Melaporkan Informasi Debitur Dalam Sistem Layanan Informasi Keuangan (slik) (studi Kasus Putusan No. 220/pdt.g/2020/pn.pbr). Other thesis, Universitas Islam Riau.

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Abstract

In providing credit, banks use the principle of prudence and the principle of knowing the customer to anticipate the occurrence of non-performing loans / bad credit. One of the prudential efforts made is through the Financial Information Service System (SLIK) application. However, in its application, sometimes the SLIK application also experiences problems in its application. As happened in Case Decision Number 220/Pdt.G/2020/PN.Pbr, where Bank Mega Syariah KC Pusat was considered to have made mistakes or negligent in entering debtor information with Kol-2 status with problematic debtor status. Therefore, OJK has a role to oversee activities in SLIK. The main problem of this research is how is the role of the Financial Services Authority (OJK) in Case Number 220/Pdt.G/2020/PN Pbr and how are dispute resolution efforts regulated by the Financial Services Authority (OJK). The research method used for this research is normative legal research. The nature of this research is descriptive. In this research, the author provides a description and descriptions of the main research problems. From the results of this study it can be concluded OJK's role based on Article 30 of Law No. 21 of 2011 concerning the Financial Services Authority, explains that the Financial Services Authority has the authority to provide protection to customers and the public, therefore OJK is authorized to conduct legal defense of customers. However, in case No. 220/Pdt.G/2020/PN.Pbr, OJK as Defendant II did not attend the trial to provide testimony, so that in the trial no information was obtained from OJK as an institution that oversees activities in the Financial Information Service System (SLIK) and the Plaintiff in decision 220/Pdt.G/2020/PN.Pbr chose to resolve the dispute by litigation (court) at the Pekanbaru District Court. Whereas to get his rights the Plaintiff does not need to bother with a trial in court. The plaintiff can take the non-litigation (out of court) dispute resolution method that has been regulated by the OJK in Financial Services Authority Regulation Number 1/POJK.07/2014 concerning Alternative Dispute Resolution Institutions in the Financial Services Sector. Because dispute resolution through LAPS when compared to settlement in court is much easier, cheaper and faster.

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