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Ada Pertanyaan? Hubungi Kami Marcell Sihombing, Fathan Qorib
The Financial Services Authority (OJK) has recently declared its readiness to monitor and evaluate financial services providers’ compliance to OJK Regulation No. 1/POJK.07/2013 on Consumer Protection in the Financial Services Sector (2013 OJK Regulation) and the implementing rules contained therein.Kusumaningtuti S. Setiono, OJK’s Commissioner for Consumer Protection and Education, stated that all financial service providers must implement consumer protection principles without exceptions as the plan has been earlier announced.
“OJK must ensure that financial service providers and their consumers execute their obligations as well as obtain their rights as mentioned in the agreement,” said Mrs. Setiono.
Mrs. Setiono explained several things in relation to financial service providers that will be monitored by OJK, such as:
1. Consumer protection policy on Information disclosure, implementation, and evaluation. The evaluation includes the fulfillment of compulsory education to improve financial literacy for their consumers or the public.
2. Service and settlement of consumer complaints by the respective financial service provider.
3. Information disbursement for financial service or product marketing activities.
4. The standardized contract between consumer and Financial Service Provider as well as the security and confidentiality of consumers’ personal information.
A self-assessment method will be used to implement the principles, in which each financial service provider would fill the worksheet themselves. The worksheet consists of detailed steps that each Financial Service Providers must comply when implementing the consumer protection principles.
OJK itself established an application called Consumer Protection and Education Reporting Information System (Sistem Informasi Pelaporan Edukasi dan Perlindungan Konsumen-PEDULI). This system simplifies the reporting mechanism, where financial service providers may submit their reports online, at the same time helping OJK to recapitulate them as a base in their decision making.
Aside from worksheets, OJK will also perform an on-site thematic surveillance based on the widespread complaints from the public. OJK operatives will also become a mystery shopper to directly observe the interactions between Financial Service Providers and their consumers.
On the other hand, OJK encourages the public to thoroughly read the terms and conditions in order to understand and be familiar with all the benefits, costs and risks of a financial service or product. As for financial service providers, OJK ensures the fulfillment of transparency aspects, fair treatment, reliability, maintaining the confidentiality of consumers’ personal information, and complaint management.
“Transparency aspects must elaborate all benefits, costs and risks and in that regard, the public should be observant and clever enough when utilizing a financial service or product to suit their need,” Mrs. Setiono concluded.
(hot/na/jm)
Marcell Sihombing, Fathan Qorib
The Financial Services Authority (OJK) has recently declared its readiness to monitor and evaluate financial services providers’ compliance to OJK Regulation No. 1/POJK.07/2013 on Consumer Protection in the Financial Services Sector (2013 OJK Regulation) and the implementing rules contained therein.Kusumaningtuti S. Setiono, OJK’s Commissioner for Consumer Protection and Education, stated that all financial service providers must implement consumer protection principles without exceptions as the plan has been earlier announced.
“OJK must ensure that financial service providers and their consumers execute their obligations as well as obtain their rights as mentioned in the agreement,” said Mrs. Setiono.
Mrs. Setiono explained several things in relation to financial service providers that will be monitored by OJK, such as:
1. Consumer protection policy on Information disclosure, implementation, and evaluation. The evaluation includes the fulfillment of compulsory education to improve financial literacy for their consumers or the public.
2. Service and settlement of consumer complaints by the respective financial service provider.
3. Information disbursement for financial service or product marketing activities.
4. The standardized contract between consumer and Financial Service Provider as well as the security and confidentiality of consumers’ personal information.
A self-assessment method will be used to implement the principles, in which each financial service provider would fill the worksheet themselves. The worksheet consists of detailed steps that each Financial Service Providers must comply when implementing the consumer protection principles.
OJK itself established an application called Consumer Protection and Education Reporting Information System (Sistem Informasi Pelaporan Edukasi dan Perlindungan Konsumen-PEDULI). This system simplifies the reporting mechanism, where financial service providers may submit their reports online, at the same time helping OJK to recapitulate them as a base in their decision making.
Aside from worksheets, OJK will also perform an on-site thematic surveillance based on the widespread complaints from the public. OJK operatives will also become a mystery shopper to directly observe the interactions between Financial Service Providers and their consumers.
On the other hand, OJK encourages the public to thoroughly read the terms and conditions in order to understand and be familiar with all the benefits, costs and risks of a financial service or product. As for financial service providers, OJK ensures the fulfillment of transparency aspects, fair treatment, reliability, maintaining the confidentiality of consumers’ personal information, and complaint management.
“Transparency aspects must elaborate all benefits, costs and risks and in that regard, the public should be observant and clever enough when utilizing a financial service or product to suit their need,” Mrs. Setiono concluded.
(hot/na/jm)