Legal Protection for Customers Victims of Savings Account Break-ins Crime

This study aimed to analyze the role of Bank Indonesia (BI) and the Otoritas Jasa Keuangan (OJK) of the banking activities in Indonesia and to analyze the legal protection of bank customers. There are two issues discussed in this study, the first regarding the role of OJK and Bank Indonesia in supervising crime in the banking world and the second regarding legal protection for customers victims of savings accounts break-ins crime. The research method used was normative juridical, by studying and reviewing legal principles derived from library materials. The discussions that were discussed in this article were how the role of OJK and Bank Indonesia in supervising crime in the banking world and how legal protection is for customers who are victims of savings account burglary in Indonesia. The Otoritas Jasa Keuangan regulation (PJOK) also requires banks to compensate for losses suffered by customers. Article 29 PJOK Number 1/PJOK.07/2013 states "Otoritas Jasa Keuangan is required to be responsible for Consumer losses arising from errors and/or negligence, management, employees of Financial Services Business Actors and/or third parties working for the interests of the Financial Services Providers. Financial Services Business. Lawsuits that can be pursued through the courts can be in the form of criminal charges or civil lawsuits. Embezzlement of bank customer deposits may be subjected to Article 372 and Article 374 of the Criminal Code (KUHP).

Promoting public retirement savings accounts during tax filing: evidence from field experiments

In 2015, the U.S. Treasury Department launched myRA, a no-fee retirement account designed for people who lacked employer-sponsored retirement options. We report findings from two behavioral field experiments intended to motivate interest in using the tax refund to open and fund myRAs directly through the tax-filing process. These experiments, administered to more than 100,000 low-income tax filers in 2016, embedded persuasive messages in emails sent to filers and directly within online tax-filing software. We find that interest in myRA was generally very low, although interest and enrollment intentions varied depending on the framing of the program's benefits.

Saving for Multiple Financial Needs: Evidence from Lockboxes and Mobile Money in Malawi

We test whether the provision of multiple labeled savings accounts affects savings and downstream outcomes in an experiment with 761 microentrepreneurs in urban Malawi. Treatment respondents received one or multiple savings accounts, in the form of lockboxes or mobile money. We find that while providing additional boxes increased savings by 40%, technical issues marred the efficacy of a second mobile money account. Data from novel high-frequency surveys suggests that both types of accounts had impacts on downstream outcomes, including farming decisions and credit extended to customers. We do not detect differential downstream effects by the number or modality of accounts.

Mekanisme Simpanan Haji dan Umrah (SHAUM) di KSPPS Khidmatul Ummah Bogor

This study aims to analyze the financing mechanism of Hajj and Umrah in KPPPS Khidmatul Ummah Bogor. The method used is descriptive qualitative analysis based on field studies and observations during PPL. The results are as follows: the mechanism of umrah and hajj savings products in KSPPS Khidmatul Ummah consists of several procedures such as: opening savings accounts, receiving savings deposits, withdrawing savings and closing accounts. The contract used has been in accordance with the principles of sharia, namely using the revenue sharing system and mudharabah contract. In fatwa DSN No.07/DSN-MUI/IV/2000 on mudharabah and the foundation of sharia law In accordance with the Qur'an and hadith that have been explained in Surat An-nisa 'verse 29 and hadith from Ibn Majjah.