{"id":392375,"date":"2018-09-06T16:27:27","date_gmt":"2018-09-06T09:27:27","guid":{"rendered":"http:\/\/vibiznews.com\/?p=392375"},"modified":"2018-09-06T16:35:16","modified_gmt":"2018-09-06T09:35:16","slug":"ojk-dukung-kemajuan-teknologi-keuangan-digital","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2018\/09\/06\/ojk-dukung-kemajuan-teknologi-keuangan-digital\/","title":{"rendered":"OJK Dukung Kemajuan Teknologi Keuangan Digital"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan mendorong kemajuan teknologi keuangan digital yang diharapkan bisa memperluas akses keuangan masyarakat dan mendukung pembangunan perekonomian nasional.<\/p>\n<p style=\"text-align: justify;\">&#8220;OJK memandang pembangunan wilayah Timur Indonesia itu sangatlah penting, dan itu bisa dilakukan melalui pengembangan teknologi keuangan digital,&#8221; kata Kepala OJK Regional 6 Zulmi saat membuka kegiatan &#8220;Sosialisasi POJK No.13\/POJK.02\/2018 tentang Inovasi Keuangan Digital di Sektor Keuangan&#8221; di Makasar, hari ini, Kamis 6 September 2018.<\/p>\n<p style=\"text-align: justify;\">Menurutnya, pengembangan teknologi keuangan digital di wilayah Timur Indonesia diharapkan mampu menerobos hambatan pengembangan ekonomi skala kecil, serta mempermudah, mempercepat dan mengurangi biaya layanan keuangan ke masyarakat.<\/p>\n<p style=\"text-align: justify;\">Untuk itulah, OJK pada kesempatan sosialisasi POJK 13\/2018 ini tidak hanya melakukan sosialisasi pengaturan tentang Inovasi Keuangan Digital, tetapi juga membawa para pebisnis digital yang memiliki visi pengembangan UMKM melalui keuangan digital.<\/p>\n<p style=\"text-align: justify;\">POJK Inovasi Keuangan Digital diharapkan juga akan memberikan kepastian hukum inovasi keuangan yang berbasis teknologi sehingga akan menumbuh kembangkan inovasi di industri jasa keuangan serta memberikan manfaat kepada masyarakat.<\/p>\n<p style=\"text-align: justify;\">POJK 13\/2018 berfungsi sebagai payung hukum Inovasi Keuangan Digital secara menyeluruh yang antara lain mencakup\u00a0<em>insurtech<\/em>,\u00a0<em>crowdfunding<\/em>, serta penyelesaian transaksi dan pengelolaan investasi secara digital. Di masa mendatang, setiap subsector dalam\u00a0<em>fintech<\/em>\u00a0akan memiliki POJK khusus untuk masing-masing subsektor (lex specialis) dan merujuk kepada payung hukum POJK 13\/2018 ini.<\/p>\n<p style=\"text-align: justify;\">\u00a0&#8220;Inovasi keuangan digital ini perlu didukung sekaligus dipantau dan dikendalikan agar bisa bersinergi dengan lembaga keuangan yang telah ada serta memberikan perlindungan maksimal kepada konsumen,&#8221; kata Zulmi.<\/p>\n<p style=\"text-align: justify;\">OJK juga mengarahkan agar inovasi keuangan digital diawasi dengan prinsip\u00a0<em>market conduct,\u00a0<\/em>yang<em>\u00a0<\/em>pelaksanaannya bekerjasama dengan asosiasi fintech yang diakui oleh OJK.<\/p>\n<p style=\"text-align: justify;\">Dalam pelaksanaan\u00a0<em>market conduct<\/em>, OJK membuat pendekatan baru yaitu\u00a0<em>principle based regulation<\/em>\u00a0dan\u00a0<em>activity based licensing<\/em>, yang berarti OJK hanya membuat garis besar pengaturan (<em>principles<\/em>) saja, sementara terjemahan dari pengaturan ini akan dibuat oleh para pelaku industri.<\/p>\n<p style=\"text-align: justify;\">OJK juga menerapkan prinsip pro-inovasi melalui penerapan\u00a0<em>regulatory sandbox<\/em>,\u00a0<em>yang merupakan<\/em>\u00a0mekanisme pengujian oleh Otoritas Jasa Keuangan untuk menilai keandalan proses bisnis, model bisnis, instrumen keuangan, dan tata kelola penyelenggara.<\/p>\n<p style=\"text-align: justify;\">Proses\u00a0<em>regulatory\u00a0sandbox<\/em>\u00a0dilaksanakan paling lama satu tahun dan dapat diperpanjang selama enam bulan jika diperlukan. Hasil\u00a0<em>regulatory sandbox<\/em>\u00a0adalah status untuk direkomendasikan, perbaikan, atau tidak direkomendasikan.<\/p>\n<p style=\"text-align: justify;\">Selain itu, peraturan ini juga mendorong terbentuknya ekosistem inovasi keuangan digital yang akan dipimpin oleh OJK bekerjasama dengan semua pihak terkait, untuk membangun ekosistem yang bersimbiosis-mutualis agar memberikan manfaat sebesar-besarnya untuk kesejahteraan masyarakat.<\/p>\n<p style=\"text-align: justify;\">Melalui POJK ini, OJK juga berkepentingan untuk memberikan akses keuangan kepada para pelaku usaha UMKM melalui jalur inovasi keuangan digital, sehingga bisa menghilangkan hambatan yang sering dimiliki oleh pelaku usaha UMKM dalam bidang pendanaan dan pemasaran.<\/p>\n<p style=\"text-align: justify;\"><em>Platform digital<\/em>\u00a0memungkinkan memberikan pinjaman ritel yang tidak beragunan dengan syarat yang sangat mudah, seperti yang dilakukan dalam bisnis fintech\u00a0<em>peer to peer lending<\/em>\u00a0dan telah diatur OJK dalam POJK 77\/2016.<\/p>\n<p style=\"text-align: justify;\"><strong>Statistik Fintech Lending (<em>peer to peer lending)<\/em>\u00a0per 25 Juli 2018<\/strong><\/p>\n<ol>\n<li style=\"text-align: justify;\">63 perusahaan\u00a0<em>peer to peer lending<\/em>terdaftar, terdiri dari 61 konvensional dan 2 syariah<\/li>\n<li style=\"text-align: justify;\">Domisili perusahaan\u00a0<em>peer to peer lending<\/em>: 60 perusahaan di Jabodetabek, masing-masing 1 di Bandung, Surabaya, dan Ternate<\/li>\n<li style=\"text-align: justify;\">Status kepemilikan : 43 perusahaan lokal, 20 perusahaan asing<\/li>\n<li style=\"text-align: justify;\">Profil\u00a0<em>Fintech Peer to Peer Lending<\/em><\/li>\n<\/ol>\n<table width=\"100%\">\n<tbody>\n<tr>\n<td colspan=\"5\" width=\"835\"><strong>Profil\u00a0<em>Lender<\/em>\u00a0(penyedia dana) dalam jumlah rekening<\/strong>\u00a0\u200b \u200b \u200b \u200b<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><strong>Des 2016<\/strong><\/td>\n<td><strong>Des 2017<\/strong><\/td>\n<td><strong>Juni 2018<\/strong><\/td>\n<td><strong><em>Growth June 2018 ytd<\/em><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>\u00a0<\/strong><\/td>\n<td><strong>\u00a0<\/strong><\/td>\n<td><strong>\u00a0<\/strong><\/td>\n<td><strong>\u00a0<\/strong><\/td>\n<td><strong><em>\u00a0<\/em><\/strong><\/td>\n<\/tr>\n<tr>\n<td>Jawa<\/td>\n<td>12.498<\/td>\n<td>75.769<\/td>\n<td>92.963<\/td>\n<td><em>23%<\/em><\/td>\n<\/tr>\n<tr>\n<td>Luar Jawa<\/td>\n<td>1.264<\/td>\n<td>24.028<\/td>\n<td>29.063<\/td>\n<td><em>21%<\/em><\/td>\n<\/tr>\n<tr>\n<td>Sulsel<\/td>\n<td><\/td>\n<td><\/td>\n<td>\u00a02.000<\/td>\n<td><em>\u00a0<\/em><\/td>\n<\/tr>\n<tr>\n<td>Luar Negeri<\/td>\n<td>602<\/td>\n<td>1.143<\/td>\n<td>\u00a0 1.607<\/td>\n<td><em>41%<\/em><\/td>\n<\/tr>\n<tr>\n<td><strong>Total<\/strong><\/td>\n<td><strong>14.364<\/strong><\/td>\n<td><strong>100.940<\/strong><\/td>\n<td><strong>123.633<\/strong><\/td>\n<td><em>22%<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table width=\"100%\">\n<tbody>\n<tr>\n<td colspan=\"5\" width=\"835\"><strong>Profil\u00a0<em>Borrrower (peminjam)<\/em>\u00a0dalam jumlah rekening<\/strong>\u00a0\u200b \u200b \u200b \u200b<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><strong>Des 2016<\/strong><\/td>\n<td><strong>Des 2017<\/strong><\/td>\n<td><strong>Juni 2018<\/strong><\/td>\n<td><strong><em>Growth June 2018 ytd<\/em><\/strong><\/td>\n<\/tr>\n<tr>\n<td>Jawa<\/td>\n<td>\u00a036.830<\/td>\n<td>\u00a0237.319<\/td>\n<td>\u00a0949.168<\/td>\n<td><em>300%<\/em><\/td>\n<\/tr>\n<tr>\n<td>Luar Jawa<\/td>\n<td>\u00a01.275<\/td>\n<td>\u00a022.316<\/td>\n<td>\u00a0141.138<\/td>\n<td><em>532%<\/em><\/td>\n<\/tr>\n<tr>\n<td>Sulsel<\/td>\n<td><\/td>\n<td><\/td>\n<td>\u00a0 26.417<\/td>\n<td><em>\u00a0<\/em><\/td>\n<\/tr>\n<tr>\n<td><strong>Total<\/strong><\/td>\n<td><strong>\u00a038.105<\/strong><\/td>\n<td><strong>\u00a0259.635<\/strong><\/td>\n<td><strong>1.090.306<\/strong><\/td>\n<td><strong><em>320%<\/em><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table width=\"100%\">\n<tbody>\n<tr>\n<td colspan=\"5\" width=\"835\"><strong>Penyaluran Pinjaman\u00a0\u00a0(dalam Miliaran Rupiah)<\/strong>\u00a0\u200b \u200b \u200b \u200b<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><strong>Des 2016<\/strong><\/td>\n<td><strong>Des 2017<\/strong><\/td>\n<td><strong>Juni 2018<\/strong><\/td>\n<td><strong><em>Growth June 2018 ytd<\/em><\/strong><\/td>\n<\/tr>\n<tr>\n<td>Jawa<\/td>\n<td>\u00a0261<\/td>\n<td>\u00a02.186<\/td>\n<td>\u00a06.714<\/td>\n<td><em>207%<\/em><\/td>\n<\/tr>\n<tr>\n<td>Luar Jawa<\/td>\n<td>\u00a023<\/td>\n<td>\u00a0378<\/td>\n<td>\u00a0\u00a0\u00a0 920<\/td>\n<td><em>143%<\/em><\/td>\n<\/tr>\n<tr>\n<td>Sulsel<\/td>\n<td><\/td>\n<td><\/td>\n<td>\u00a0\u00a050,9<\/td>\n<td><em>\u00a0<\/em><\/td>\n<\/tr>\n<tr>\n<td><strong>Total<\/strong><\/td>\n<td><strong>\u00a0284<\/strong><\/td>\n<td><strong>\u00a02.564<\/strong><\/td>\n<td><strong>\u00a07.633<\/strong><\/td>\n<td><strong><em>198%<\/em><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>NPL\u00a0<em>peer to peer lending<\/em>\u00a0total: Desember 2017: 0,99% dan Juni 2018: 0,79%<\/p>\n<p>&nbsp;<\/p>\n<p><em>Sumber : OJK<\/em><\/p>\n<p><em>Belinda Kosasih\/Coordinating Partner of Banking Business Services\/Vibiz Consulting Group<\/em><\/p>\n<p><em>Editor: Asido Situmorang<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan mendorong kemajuan teknologi keuangan digital yang diharapkan bisa memperluas akses keuangan masyarakat dan mendukung pembangunan perekonomian nasional. &#8220;OJK memandang pembangunan wilayah Timur Indonesia itu sangatlah penting, dan itu bisa dilakukan melalui pengembangan teknologi keuangan digital,&#8221; kata Kepala OJK Regional 6 Zulmi saat membuka kegiatan &#8220;Sosialisasi POJK [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":392377,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[353,29,183],"tags":[8099],"class_list":["post-392375","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-economy-business","category-technology","tag-ojk-dukung-kemajuan-teknologi-digital"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OJK Dukung Kemajuan Teknologi Keuangan Digital - Vibiznews.com<\/title>\n<meta name=\"robots\" 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