Digital Library: No conditions. Results ordered -Date Deposited. 2024-03-29T02:11:02ZEPrintshttp://digilib.unila.ac.id/images/sitelogo.pnghttp://digilib.unila.ac.id/2018-01-24T03:17:08Z2018-01-24T03:45:24Zhttp://digilib.unila.ac.id/id/eprint/29885This item is in the repository with the URL: http://digilib.unila.ac.id/id/eprint/298852018-01-24T03:17:08ZPELAKSANAAN FUNGSI PENGATURAN DAN PENGAWASAN
TERHADAP LEMBAGA KEUANGAN MIKRO DI LAMPUNG OLEH
OTORITAS JASA KEUANGAN
(Studi Pada Koperasi Lembaga Keuangan Mikro Agribisnis
Gapoktan Sari Makmur)Otoritas Jasa Keuangan (OJK) yang merupakan lembaga terintegrasi terhadap
keseluruhan sistem pengaturan dan pengawasan kegiatan di dalam sektor jasa
keuangan yaitu kegiatan jasa keuangan di sektor perbankan, kegiatan jasa
Keuangan di sektor pasar modal dan kegiatan jasa keuangan di Sektor
perasuransian, dana pensiun, lembaga pembiayaan, dan lembaga jasa keuangan
lainnya yaitu Lembaga Keuangan Mikro. Berdasarkan Pasal 28 Undang-Undang
Nomor 1 Tahun 2013 Tentang Lembaga Keuangan Mikro (UU LKM)
menyatakan bahwa pembinaan, pengaturan, dan pengawasan LKM dilakukan oleh
Otoritas Jasa Keuangan. Pembinaan dan pengawasan didelegasikan kepada
Pemerintah Daerah Kabupaten/Kota. Dalam hal Pemerintah Daerah
Kabupaten/Kota belum siap, Otoritas Jasa Keuangan dapat mendelegasikan
pembinaan dan pengawasan kepada pihak lain yang ditunjuk. Namun hingga saat
ini dari sejak diundangkan UU LKM tahun 2013 dan berlaku 2 tahun setelahnya
yaitu 2015 pihak lain yang ditunjuk oleh OJK belum ada khususnya pada
Koperasi LKMA Gapoktan Sari Makmur.
Permasalahan dalam penelitian ini adalah Bagaimanakah bentuk fungsi
pengaturan dan pengawasan terhadap lembaga keuangan mikro oleh Otoritas Jasa
Keuangan, Apakah faktor penghambat pelaksanaan fungsi pengaturan dan
pengawasan terhadap lembaga keuangan mikro oleh Otoritas Jasa Keuangan.
Metode penelitian yang digunakan adalah yuridis normatif dan yuridis
empiris.Teknik pengumpulan data dilakukan dengan studi kepustakaan dan studi
lapangan. Pengolahan data dilakukan dengan editing data, klasifikasi data,
sistematika data. Narasumber penelitian ini adalah Bagian Pengawas Industri
Keuangan Non Bank kantor Otoritas Jasa Keuangan Provinsi Lampung dan
bagian pengelola Koperasi LKM Agribisnis Gapoktan Sari Makmur Kota Metro.
ii
Hasil penelitian dan pembahasan Bentuk fungsi pengaturan dan pengawasan
terhadap lembaga keuangan mikro oleh Otoritas Jasa Keuangan yaitu bahwa
fungsi pengaturan OJK dengan cara menetapkan kebijakan operasional peraturan
terkait LKM, bentuk pengawasan Otoritas Jasa Keuangan berupa pemeriksaan
langsung dan pemeriksaan tidak langsung. Faktor penghambat pelaksanaan fungsi
pengaturan dan pengawasan terhadap lembaga keuangan mikro oleh Otoritas Jasa
Keuangan berupa Faktor Internal yaitu Kompetensi SDM pengurus LKM yang
masih belum memadai karna banyak yang berada di desa/kelurahan bukan lulusan
sarjana tertentu dan masih membutuhkan pendampingan termasuk dalam hal
administrasi atau pencatatan laporan keuangan dan Kurangnya SDM dari Otoritas
Jasa Keuangan dikarenakan seharusnya Pembinaan dan pengawasan didelegasikan
kepada Pemerintah Daerah Kabupaten/Kota, nantinya OJK berkoordinasi bersama
pihak yang ditunjuk. Serta Faktor Eksternal yaitu Sulitnya melakukan
inventarisasi data LKM yang belum berbadan hukum dan mapping data LKM
yang memenuhi syarat menjadi LKM, Minimnya informasi yang diterima oleh
masyarakat mengenai LKM, Belum adanya kesamaan persepsi mengenai regulasi
LKM di Dinas Koperasi dan UKM dan Notaris terutama yang menangani
pengesahan anggaran dasar koperasi LKM, sehingga dapat menghambat proses
pembadan hukuman koperasi LKM, Biaya notaris yang dirasa cukup mahal dan
memberatkan LKM yang permodalannya terbatas hal ini yang membuat
pembinaan sulit berjalan, Seringnya terjadi rotasi dan mutasi pegawai di
lingkungan Pemerintah Daerah, termasuk pegawai pemda yang telah ditunjuk
menjadi pengawas LKM , Jauh nya lokasi LKM untuk dilakukan pengawasan
langsung oleh OJK dikarenakan banyak didaerah tugas pengawasan masih berada
pada OJK.
Kata kunci: Pelaksanaan Pengaturan dan Pengawasan, Lembaga Keuangan
Mikro, Otoritas Jasa Keuangan.
ABSTRACT
The Financial Service Authority (OJK) is an integrated institution toward the
whole regulating and monitoring system for activities in financial service sectors
including activities in banking, capital market, insurance, pension fund, funding
institution and other financial institutions such as micro financial institutions.
Based on Article 28 of Law number 1 in 2013 about Micro Financial Institution
(the Law of MFI), it states that education, regulation, and monitoring of micro
financial institution (MFI) is conducted by the Financial Service Authority (OJK).
This education and monitoring are delegated to the regional government. If a
regional government is not yet ready, the Financial Service Authority may
delegate the education and monitoring to other appointed parties. However, since
the Law of MFI was enacted in 2013 until 2015, there was no other party had
been appointed by the Financial Service Authority, especially for the Sari
Makmur Farmer Group Micro Agribusiness Finance Cooperation (Sari Makmur
FGMAFC).
The problems in this research were how did the forms of regulating and
monitoring functions toward micro financial institution by the Financial Service
Authority; what were the inhibiting factors in exercising the regulating and
monitoring functions toward micro financial institution by the Financial Service
Authority. This research used normative and empirical jurisdiction approaches.
Data were collected by librarian research and field study. Data were processed
with editing, classification, and data systematization. Informants in this research
were Non-bank Financial Industry Monitoring Division of Financial Service
Authority in Lampung province and management of Sari Makmur Farmer Group
Micro Agribusiness Finance Cooperation (Sari Makmur FGMAFC) in Metro.
The research results showed that the forms of regulating and monitoring functions
toward micro financial institution by the Financial Service Authority were that the
Financial Service Authority provisioned operational policies of regulations related
to micro financial institution (MFI), the monitoring by the Financial Service
iv
Authority was conducted in forms of direct and indirect investigations. The
inhibiting factors in exercising the regulating and monitoring functions toward
micro financial institution by the Financial Service Authority were the internal
factor where human resource competence of the MFI administrators were not
sufficient because many MFI administrators in villages were not undergraduate
degree and they still required assistances including in the administrations and
financial reporting; less personnel from the Financial Service Authority because
these functions should have been delegated to the regional government, while the
Financial Service Authority would have coordinated with the appointed parties;
and the external factor where it was difficult to conduct data inventories of MFIs
which were not yet in forms of legal entities and mapping of MFIs which met the
qualifications of being MFI, minimum information received by public about MFI,
there was no same perceptions about MFI regulations between Cooperation
Office, small and middle sized businesses, and notary especially in validating the
basic article of association of MFI Cooperation, so that this could inhibit process
to create legal entity for the MFI Cooperation. The notary fee was perceived to be
expensive and burdening MFIs with limited capitals and this made educations to
MFIs to be difficult. Employee rotation and shifting often occurred in the regional
government environment, including civil servants who were appointed to monitor
directly the MFIs. MFIs locations were far enough to monitor by the Financial
Service Authority because the monitoring task was still on the hand of the
Financial Service Authority.
Keywords : The Exercise Of Regulating and Monitoring, Micro Financial
Institution, Financial Service Authority.1522011027 REZA DRIANDRA rzadriandra27@gmail.com