[{"_1":2,"_124":-5,"_125":-5},"loaderData",{"_3":4,"_28":29,"_30":31},"root",{"_5":6,"_7":-5,"_8":9},"locale","id","session","ENV",{"_10":11,"_12":13,"_14":15,"_16":17,"_18":19,"_20":21,"_22":23,"_24":25,"_26":27},"APP_ENV","production","APP_URL","https://veritask.ai","GA_MEASUREMENT_ID","G-X1BV3QBZEM","META_PIXEL_ID","4698743733686194","TIKTOK_PIXEL_IDS","D8A3HTBC77U9J3L243V0","CLARITY_PROJECT_ID","wn9rn7xb4l","AMPLITUDE_API_KEY","74a0c7cc1509a379d3647ec140dd375","MIDTRANS_CLIENT_KEY","Mid-client-hwjEU5pmwAKVMbIA","MIDTRANS_SNAP_URL","https://app.midtrans.com/snap/snap.js","routes/$locale",{"_5":6},"routes/$locale.search-engine.regulation.$regulationId",{"_32":33,"_34":35},"regulationId","ebfbc03a-772b-4bee-937d-65531c751f4a","regulationData",{"_36":33,"_37":38,"_120":121,"_122":123},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_59":60,"_61":62,"_66":67,"_71":72,"_73":74,"_75":76,"_77":78,"_79":-5,"_80":81,"_82":83,"_84":-5,"_85":86,"_87":88,"_89":90,"_91":92,"_93":94,"_101":102,"_103":104,"_105":106,"_107":108,"_109":110,"_111":112,"_113":114,"_115":116,"_117":-5,"_118":119},"title","Peraturan Otoritas Jasa Keuangan Nomor 19/POJK.03/2014 Tahun 2014 tentang Layanan Keuangan tanpa Kantor dalam Rangka Keuangan Inklusif","short_title","Peraturan Otoritas Jasa Keuangan Nomor 19/POJK.03/2014 Tahun 2014","number","19/POJK.03/2014","year","2014","published_date","2014-11-18","effective_date","2014-11-19","status_id","89192b77-602e-484c-89df-4fd3166b732a","status",{"_6":52,"_55":56,"_57":58},"name","Tidak Berlaku","description","Peraturan yang sudah tidak berlaku karena dicabut, diubah, atau habis masa berlakunya","type_id","87562a34-231b-40c7-9b97-1b05bf771685","type",{"_6":60,"_55":63,"_64":65},"Peraturan Otoritas Jasa Keuangan","short_name","Peraturan OJK","subjects",[68],{"_6":69,"_55":70,"_57":-5},"b4352a21-9358-435d-b1a9-f4268ae07a7e","Kebijakan Perekonomian Nasional","tags",[],"location","Otoritas Jasa Keuangan","place_of_enactment","Jakarta","theme","Layanan Keuangan tanpa Kantor dalam Rangka Keuangan Inklusif","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


2014
Peraturan Otoritas Jasa Keuangan NO. 19/POJK.03/2014, LN.2014/NO.350, TLN NO.5628, Jdih.ojk.go.id: 49 hlm.
Peraturan Otoritas Jasa Keuangan TENTANG Layanan Keuangan tanpa Kantor dalam Rangka Keuangan Inklusif
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Otoritas Jasa Keuangan ini mulai berlaku pada tanggal 19 November 2014. \n \n

","regulatory_relationship","(-)","scope_and_parties","policy_content","

Latar Belakang dan Tujuan: Peraturan ini bertujuan untuk memperluas akses layanan keuangan bagi masyarakat yang belum mengenal atau menggunakan layanan perbankan dan keuangan lainnya. Hal ini sejalan dengan Strategi Nasional Keuangan Inklusif yang dicanangkan pemerintah. Layanan Keuangan Tanpa Kantor (Laku Pandai) diharapkan dapat menyediakan produk keuangan yang mudah dijangkau dan sesuai dengan kebutuhan masyarakat, terutama di daerah terpencil.

Ketentuan Substansial: Peraturan ini mengatur pembagian kewenangan antara Otoritas Jasa Keuangan dan lembaga jasa keuangan dalam penyelenggaraan Laku Pandai. Lembaga Jasa Keuangan dapat menjadi penyelenggara Laku Pandai dengan menyediakan produk seperti tabungan, kredit mikro, dan asuransi mikro. Tabungan dengan karakteristik Basic Saving Account (BSA) memiliki ketentuan khusus seperti tanpa batas minimum setoran dan bebas biaya administrasi. Kredit mikro diberikan kepada nasabah BSA dengan batas maksimum Rp20.000.000,00. Bank penyelenggara Laku Pandai harus memenuhi persyaratan tertentu, termasuk memiliki jaringan di wilayah Indonesia Timur dan infrastruktur pendukung transaksi elektronik.

","transitional_provisions","1. Bank yang telah bekerjasama dengan Agen tertentu sebelum 1 Maret 2015 tidak wajib menetapkan Agen mulai dari klasifikasi paling sederhana. 2. Bank yang akan menyelenggarakan Laku Pandai sebelum 1 Maret 2015 dapat menyampaikan permohonan kurang dari 60 hari sebelum target waktu penyelenggaraan. 3. Bank yang memenuhi persyaratan dan akan mengajukan permohonan pada tahun 2015 dapat mencantumkan rencana dalam revisi RBB.","sanctions","1. Pelanggaran terhadap ketentuan dapat dikenakan sanksi administratif berupa peringatan tertulis, pembatasan kegiatan usaha, dan/atau penurunan tingkat kesehatan. 2. Keterlambatan penyampaian laporan dikenakan denda Rp100.000,00 per hari dengan maksimum Rp3.000.000,00.","revokes",[],"revoked_by",[95],{"_96":97,"_98":99,"_36":100},"text","Peraturan OJK No. 1/POJK.03/2022 Tahun 2022 tentang Layanan Keuangan Tanpa Kantor Dalam Rangka Keuangan Inklusif","link","https://peraturan.bpk.go.id/Details/227321/peraturan-ojk-no-1pojk032022-tahun-2022","1b84a2a3-6314-40e6-ab79-13d4789069fb","partially_revokes",[],"partially_revoked_by",[],"amends",[],"amended_by",[],"partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

REGULATION OF FINANCIAL SERVICES AUTHORITY
NUMBER 19/POJK.03/2014
CONCERNING
OFFICELESS FINANCIAL SERVICES
IN THE FRAMEWORK OF INCLUSIVE FINANCE

BY THE GRACE OF GOD ALMIGHTY

\n\n\n\n

Considering:

that it is necessary to have access to financial services for people who are not familiar with, use, and/or obtain banking services and other financial services;
that in order to expand access to financial services, the Financial Services Authority, the banking industry, and other financial services industries are committed to supporting the realization of inclusive finance, which is also in line with the National Strategy for Inclusive Finance that has been launched by the government;
that one form of commitment from the financial services industry that has been included as one of the programs of the National Strategy for Inclusive Finance is the provision of off-office financial services (branchless banking);
that through

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