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Abstract:
This study aims to identify and explain the form of legal protection of investors
as consumers in online mutual fund investments in Indonesia. In addition, this
study also aims to identify and explain the form of investor legal protection for
funds invested in mutual fund products that were dissolved by the Otoritas Jasa
Keuangan.
This research uses a normative legal research research method, which is a type
of legal research methodology that bases its analysis on applicable laws and
regulations and is relevant to the legal issues that are the focus of the research.
This research is a qualitative analysis, namely the legal materials obtained are
then compiled systematically and then analyzed qualitatively to achieve clarity
of the problems to be discussed and the results are stated in the form of a
journal.
The results of this study indicate that online mutual fund investment in
Indonesia has not been regulated specifically and integrated in separate
regulations, but still refers to a number of laws and regulations. -Invitations to
investors for mutual fund products disbanded by OJK consist of preventive and
repressive forms, currently there is no legal arrangement that explains the
amount and form of compensation that will be received by investors.
This study recommends that the government regulates online mutual funds lex
specialis which regulates electronic-based investments, including mutual funds
or other securities trading online. Apart from that, the government also needs
to clearly regulate the increase in the amount of compensation and the form of
compensation that will be obtained by investors.
Abstrak:
Penelitian ini bertujuan untuk mengetahui dan menjelaskan bentuk
perlindungan hukum investor sebagai konsumen dalam investasi reksa dana
daring di Indonesia. Selain itu, penelitian ini juga bertujuan untuk mengetahui
dan menjelaskan bentuk perlindungan hukum investor atas dana yang
diinvestasikan pada produk reksa dana yang dibubarkan oleh Otoritas Jasa
Keuangan.
Penelitian ini menggunakan metode penelitian jenis penelitian hukum
normatif yaitu salah satu jenis metodologi penelitian hukum yang
mendasarkan analisisnya pada peraturan perundang – undangan yang
berlaku dan relevan dengan permasalahan hukum yang menjadi fokus
penelitian. Adapun penelitian ini bersifat analisis kualitatif, yaitu bahan
hukum yang diperoleh kemudian dikemudian disusun secara sistematis dan
Lisensi CC BY-4.0
1
Qawanin, Vol. 1, No. 1 (Agustus 2020)
PENDAHULUAN
Salah satu contoh penyedia layanan reksa dana daring yang sangat eksis
belakangan ini adalah Bibit.id. Bibit.id adalah aplikasi marketplace Reksa dana
daring yang terdaftar pada Agen Penjual Reksa Dana (APERD) dan juga telah
mengantongi ijin resmi sebagai agen penjual Reksa Dana dari Otoritas Jasa Keuangan
(OJK). Reksa dana atau yang diluar negeri dikenal sebagai “Unit Trust” atau “Mutual
Fund” telah didefinisikan dalam Pasal 1 Ayat (27) Undang – Undang Nomor 8 Tahun