Analisis Kritis Kebijakan Otoritas Jasa Keuangan terhadap Penyandang Disabilitas dalam Mewujudkan Layanan Perbankan Inklusif

Gaol, Heru Saputra Lumban and Janisriwati, Sylvia and Diaz, Marchethy Riwani (2025) Analisis Kritis Kebijakan Otoritas Jasa Keuangan terhadap Penyandang Disabilitas dalam Mewujudkan Layanan Perbankan Inklusif. INKLUSI: Journal of Disability Studies, 12 (1). pp. 15-30. ISSN 2580-9814

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Abstract

The Financial Services Authority (Otoritas Jasa Keuangan/OJK) has made efforts to promote inclusive financial services for persons with disabilities through Regulation No. 6/POJK.07/2022 concerning Consumer and Community Protection in the Financial Services Sector, along with the OJK Operational Technical Guidelines (PTO) for providing services to persons with disabilities. However, in practice, several barriers remain, particularly for persons with visual disabilities when opening savings accounts at banks, due to difficulties related to the use of fingerprints in banking documentation. This study aims to critically examine the effectiveness of POJK No. 6/POJK.07/2022 and the PTO OJK in ensuring inclusive financial services for persons with disabilities in the banking sector. This research employs a normative-empirical legal method. Fieldwork was conducted in Surabaya through interviews with informants from Kedaibilitas and HWDI Surabaya. The findings reveal that the implementation of OJK regulations and guidelines in the banking sector has not been fully realized. Adopting an equality-based approach and human rights-based policy formulation is crucial in developing inclusive banking services.

Item Type:	Article
Uncontrolled Keywords:	banking services; consumers with disabilities; inclusivity; OJK’s policies
Subjects:	K Law > K Law (General)
Divisions:	Faculty of Law > Department of Law
Depositing User:	HERU SAPUTRA LUMBAN GAOL
Date Deposited:	03 Jul 2025 03:36
Last Modified:	03 Jul 2025 03:36
URI:	http://repository.ubaya.ac.id/id/eprint/48840

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