OJK Make Sure It Will Not Provide Protection To Debtors With Bad Intentions

Deputy Commissioner for Behavior Supervision for Financial Services and Consumer Protection Business Actors OJK Sarjito (Photo: Aris Nurjani/VOI)

JAKARTA - Deputy Commissioner for Supervision of Behavior for Financial Services and Consumer Protection of the Financial Services Authority (OJK) Sarjito ensures that his party will not protect consumers with bad intentions or naughty people who do not make credit payments.

"OJK will not protect naughty consumers, many consumers do not have good intentions. So the debtor is the unit that is brought, so if that's the case, please execute it with the Fidusian Law," he said at the Press Conference, Thursday, February 1, 2024.

Sarjito explained that in various cases that occurred, his party saw that there were several debtors who deliberately carried out several modes so as not to pay their credit.

Sarjito reminded POJK Number 22 of 2023, in addition to protecting consumers, it also functions to protect PUJK. The regulation is contained in POJK Number 22 of 2023, Article 92 paragraph 3 POJK explains that consumers are obliged to fulfill their obligations and PUJK is also entitled to legal protection.

According to Sarjito, if a default occurs, credit givers can execute collateral in accordance with the Fidusian Guarantee Law article 23 paragraph 2.

On the same occasion, OJK Director of Consumer Protection Development and Education Arrangement (EPK) Rela Ginting said debt collectors can attract collateral to consumers other than consumers because of the many cases where consumers work together as collectors of collateral objects.

"Then it is stipulated that fiduciary guarantees can still be taken even in the hands of whoever the object is. This refers to Article 64 POJK 22 of 2023," he explained.

In addition, Ginting explained that default is not always through the judiciary and can be in the form of a written agreement to the parties, court decisions and/or other mechanisms in accordance with the laws and regulations.

Regarding the criminal threat, Ginting said that in Article 23 paragraph 2 of the Fidusia Law, fiduciary providers are prohibited from transferring, pawning or leasing to other parties who are objects of fiduciary guarantees that are not inventory objects, except with written prior approval from fiduciary recipients.