Kamis 01 Aug 2013 00:03 WIB

OJK issues regulation on consumer protection

Rep: Satya Festiani/Mutia Ramadhani/ Red: Yeyen Rostiyani
Logo of Financial Service Authority or Otoritas Jasa Keuangan (OJK) in Indonesian language. (illustration)
Foto: Republika/Aditya Pradana Putra
Logo of Financial Service Authority or Otoritas Jasa Keuangan (OJK) in Indonesian language. (illustration)

REPUBLIKA.CO.ID, JAKARTA - Financial Services Authority (OJK) issued a regulation on consumer protection in financial services sector. Regulation No. 01/POJK.07/2013 is the first one issued by OJK.

"This regulation aims to protect interests of consumers of financial services industry and community. This regulation also supports growth of institutions and financial services industry sector. Its principle is balance," Chairman of OJK, Muliaman D Hadad said on Wednesday.

This regulation will be an umbrella to financial industry activities, such as banks and capital markets. OJK will also make detailed rules in form of a circular letter.  OJK regulation have three main aspects namely transparency improvement,  disclosure of benefits, risks and costs of products or Services of Financial Services Businesses (PUJK). PUJK is resposible to assess suitability of products or services including their risks to financial consumers.

OJK makes procedures simpler for financial consumers to submit complaints and resolve dispute to PUJK on products and services. The regulation uses five key principles, namely transparency, fair treatment, reliability, confidentiality and security of data information, as well as settlement of consumer disputes in a simple, fast and affordable cost. 

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وَمَا تَفَرَّقُوْٓا اِلَّا مِنْۢ بَعْدِ مَا جَاۤءَهُمُ الْعِلْمُ بَغْيًاۢ بَيْنَهُمْۗ وَلَوْلَا كَلِمَةٌ سَبَقَتْ مِنْ رَّبِّكَ اِلٰٓى اَجَلٍ مُّسَمًّى لَّقُضِيَ بَيْنَهُمْۗ وَاِنَّ الَّذِيْنَ اُوْرِثُوا الْكِتٰبَ مِنْۢ بَعْدِهِمْ لَفِيْ شَكٍّ مِّنْهُ مُرِيْبٍ
Dan mereka (Ahli Kitab) tidak berpecah belah kecuali setelah datang kepada mereka ilmu (kebenaran yang disampaikan oleh para nabi) karena kedengkian antara sesama mereka. Jika tidaklah karena suatu ketetapan yang telah ada dahulunya dari Tuhanmu (untuk menangguhkan azab) sampai batas waktu yang ditentukan, pastilah hukuman bagi mereka telah dilaksanakan. Dan sesungguhnya orang-orang yang mewarisi Kitab (Taurat dan Injil) setelah mereka (pada zaman Muhammad), benar-benar berada dalam keraguan yang mendalam tentang Kitab (Al-Qur'an) itu.

(QS. Asy-Syura ayat 14)

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