The Policy on the Determination of Top-Up Fee of E-Money

Jurnal Hukum Novelty

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Field Value
 
Title The Policy on the Determination of Top-Up Fee of E-Money
 
Creator Fitriyanti, Fadia; Universitas Muhammadiyah Yogyakarta
Hartavian, Muhammad Arif; Universitas Muhammadiyah Yogyakarta
 
Subject
Electronic Money; Top-Up Fee; Policy

 
Description Introduction to The Problem: Bank Indonesia (BI) has determined the top-up fee of e-money in the Board Governor Member Regulation Number 19/8/PADG/2017 on the National Payment Gateway. This regulation is contrary to article 2 paragraphs 2, article 23 paragraph 1, article 33 paragraph 2 Law Number 7 of 2011 concerning Currency expressly regulates that every person is prohibited from refusing to accept rupiah. Aside from that, the regulation has the potential to cause injustice and discrimination for consumers.Purpose/Objective Study: This research aims to analyze whether Bank Indonesia’s actions determine the top-up fee in the form of the Board Governor Member Regulation Number 19/8/PADG/2017 on the National Payment Gateway are in line with its duties and authorities.Design/Methodology/Approach: This research uses the normative legal research type with the statute approach to research the Legislation that regulates Bank Indonesia’s authority regarding the policy on a top-up fee issued by Bank Indonesia supervision on implementing its policy.Findings: The research concluded that there is an inconsistency authority between Bank Indonesia and Financial Service Authority. Bank Indonesia is authorized to regulate the top-up fee of e-money to ensure consumer protection and the payment system’s smoothness. Moreover, the supervision regarding the e-money top-up fee was in the hand of Bank Indonesia. However, when the consumer suffered loss because of the e-money organizer’s fault, the Financial Service Authority could take the lead to facilitate the customer’s complaint.Paper Type: Research Article. 
 
Publisher Universitas Ahmad Dahlan
 
Contributor
 
Date 2021-04-21
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article

 
Format application/pdf
 
Identifier http://journal.uad.ac.id/index.php/Novelty/article/view/17167
10.26555/novelty.v12i01.a17167
 
Source Jurnal Hukum Novelty; Vol 12, No 1 (2021); 82-95
2550-0090
1412-6834
 
Language eng
 
Relation http://journal.uad.ac.id/index.php/Novelty/article/view/17167/pdf_67
 
Coverage


 
Rights Copyright (c) 2021 Jurnal Hukum Novelty
http://creativecommons.org/licenses/by/4.0
 

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