EFEKTIVITAS PELAKSANAAN PASAL 7 POJK NO.12/POJK.01/2024 TENTANG PENERAPAN STRATEGI ANTI- FRAUD BAGI LEMBAGA JASA KEUANGAN (STUDI PADA PROGRAM SOSIALISASI FRAUD AWARENESS DI PERUSAHAAN FINTECH P2P LENDING PT AMARTHA MIKRO FINTEK AREA MANGGARAI REGIONAL NUSA TENGGARA TIMUR)

Muhammad Athaya Primananda, . (2026) EFEKTIVITAS PELAKSANAAN PASAL 7 POJK NO.12/POJK.01/2024 TENTANG PENERAPAN STRATEGI ANTI- FRAUD BAGI LEMBAGA JASA KEUANGAN (STUDI PADA PROGRAM SOSIALISASI FRAUD AWARENESS DI PERUSAHAAN FINTECH P2P LENDING PT AMARTHA MIKRO FINTEK AREA MANGGARAI REGIONAL NUSA TENGGARA TIMUR). Skripsi thesis, Universitas Pembangunan Nasional Veteran Jakarta.

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Abstract

The rapid development of financial technology peer-to-peer (P2P) lending as part of financial service innovation in Indonesia has significantly expanded access to financing, particularly for micro, small, and medium enterprises (MSMEs). Nevertheless, this growth has also been accompanied by increasing risks of fraud, which may harm financial institutions, consumers, and overall financial system stability. In response to these risks, the Financial Services Authority of Indonesia issued Regulation Number 12 of 2024 concerning the Implementation of Anti-Fraud Strategies for Financial Institutions, which mandates the implementation of fraud awareness socialization programs as stipulated in Article 7. This study aims to analyze the effectiveness of the implementation of Article 7 of OJK Regulation Number 12 of 2024 and to identify the inhibiting factors as well as the efforts undertaken by PT Amartha Mikro Fintek in implementing fraud awareness socialization as an early fraud prevention measure. This research employs an empirical juridical method, supported by statutory and sociological legal approaches. Data were collected through interviews, observations, and documentation, and analyzed using qualitative descriptive analysis based on Soerjono Soekanto’s Theory of Legal Effectiveness. The findings indicate that the fraud awareness socialization program implemented by PT Amartha Mikro Fintek in the Manggarai Area has been empirically effective in enhancing employees’ understanding, awareness, and vigilance toward fraud risks. However, the effectiveness has not been fully achieved in a normative-substantive sense due to the general nature of Article 7, which lacks clear indicators of success and standardized evaluation mechanisms. This study concludes that regulatory reinforcement by the authority and continuous program development by financial technology providers are necessary to ensure the substantive achievement of fraud prevention objectives.

Item Type: Thesis (Skripsi)
Additional Information: [No. Panggil : 2210611013] [Pembimbing : Andriyanto Adhi Nugroho] [Ketua Penguji : Irsyaf Marsal] [Penguji 1 : Ema Nurkhaerani] [Penguji 2 : Andriyanto Adhi Nugroho]
Uncontrolled Keywords: Fraud Awareness, Fintech P2P Lending, Legal Effectiveness
Subjects: K Law > K Law (General)
Divisions: Fakultas Hukum > Program Studi Hukum (S1)
Depositing User: MUHAMMAD ATHAYA PRIMANANDA
Date Deposited: 20 Apr 2026 04:30
Last Modified: 20 Apr 2026 04:58
URI: http://repository.upnvj.ac.id/id/eprint/49878

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