Pelindungan Hukum Bagi Investor Pasar Modal Indonesia Dalam Kasus Illegal Access Pada Rekening Dana Nasabah (RDN)

Dita Primasetya Mulyawati, Dr. Veri Antoni, S.H., M.Hum

2026 | Tesis | S2 ILMU HUKUM JAKARTA

 Penelitian thesis ini bertujuan untuk mengkaji pihak yang bertanggung jawab atas adanya kerugian investor pasar modal yang timbul akibat illegal access pada RDN dan meneliti mekanisme pelaksanaan pelindungan hukum investor pasar modal agar tidak terjadi kasus yang berulang. 

     Penelitian ini bersifat empiris dengan memanfaatkan pendekatan normative dengan menelaah Undang-Undang pasar modal Indonesia.Pencapaian tujuan penelitian dilakukan melalui pendekatan normatif-empiris. Alat dan cara pengumpulan data yaitu wawancaradi analisis secara kualitatif deskriptif melalui pendekatan kasus (case approach) serta pendekatan Undang - Undang (statute approach). Kesimpulan yang diambil dengan menggunakan cara berpikir induktif.
    Penelitian ini memiliki kesimpulan: Pertama, Menurut Pasal 15 Undang-Undang No 11 Tahun 2008 Perihal Informasi Teknologi Elektronik (UU ITE) jo  Pasal 10 POJK Nomor 22 Tahun 2023 perihal Pelindungan Konsumen dan Masyarakat di Sektor Jasa Keuangan, pihak yang bertanggung jawab atas kerugian Investor pasar modal yang terlebih dahulu dibuktikan melalui terdapat indikasi kekeliruan, kelalaian, maupun tindakan yang melanggar ketentuan hukum pada bidang jasa keuangan dan/atau perjanjian yang berlaku. Kedua, Mekanisme pelaksanaan pelindungan hukum untuk investor pasar modal dapat dilaksanakan melalui pelindungan preventif melalui mewajibkan pembatasan dan/atau pemberhentian layanan pemindahbukuan atau penarikan RDN pada hari libur  serta mengimplementasikan mekanisme whitelist. Mekanisme pelindungan represif berupa Pelaporan ke Lembaga Indonesia Anti Scam Center (IASC)  dan tanggung jawab ganti rugi (pemulihan dana) investor oleh Lembaga Jasa Keuangan yang terbukti lalai dalam menjaga sistem keamanan. Sedangkan mekanisme pelindungan berupa penyelesaian sengketa berupa internal dispute resolution (IDR) atau penyelesaian internal pada Lembaga Jasa Keuangan dan external dispute resolution (EDR) melalui LAPS SJK hingga litigasi

   The thesis research aims to examine the parties who responsible and the responsibility for capital market investor which losses arising from the illegal access of RDN (Investor Protection Fund) and to examine the mechanisms for implementing legal protection for capital market investors to prevent recurrence.
     This research is empirical and utilizes a normative approach by examining laws and regulations governing the Indonesian capital market. To achieve this objective, a normative empirical method was employed, including library research to obtain secondary data for legal purposes. Data collection tools and methods included interviews and descriptive qualitative analysis using a case approach and a statute approach. Conclusions were drawn using inductive reasoning.
    The researches are concludes: First, according to article 15 Electronic Information and Transaction Law (UU ITE)  jo article 10 OJK Regulation No. 22 of 2023 concerning Consumer and Public Protection in the Financial Services Sector, The Party which responsible for losses to the capital market investors as evidenced by error, negligence, or actions contrary against the provisions of laws and regulations in the financial services sector and/or agreements. Seconds, The mechanism for implementing of legal protection for capital market investors can be use by requiring restrictions and/or termination of RDN transfer or withdrawal services on the holidays and requiring a whitelist mechanism. Repressive protection mechanisms include reporting to the Indonesian Anti-Scam Center (IASC) and the obligation to compensate (recover) investors by Financial Services Institutions found to be negligent in maintaining security systems. Meanwhile, protection mechanisms include dispute resolution through internal dispute resolution (IDR) or internal resolution within Financial Services Institutions and external dispute resolution (EDR) through the LAPS SJK also the last is litigation.

Kata Kunci : Pelindungan Hukum, Illegal Access, Rekening Dana Nasabah (RDN)