Countering Transnational Digital Ponzi Schemes in Indonesia: Legal Frameworks, Institutional Challenges, and Reform Pathways
DOI:
https://doi.org/10.23917/laj.v10i2.13243Keywords:
Anti-Money Laundering, Digital Forensics, Indonesia, Ponzi Schemes, Transnational Fraud, Anti Pencucian Uang, Forensik Digital, Indonesia, Skema Ponzi, Penipuan TransnasionalAbstract
Kemajuan pesat dalam transaksi pasar keuangan digital telah mempercepat penyebaran skema Ponzi global, yang menimbulkan ancaman serius bagi negara-negara berkembang seperti Indonesia. Artikel ini meneliti perkembangan skema Ponzi yang melibatkan mata uang kripto, platform perdagangan daring, dan komunikasi terenkripsi yang memungkinkan pelaku menipu investor lintas negara. Tujuan penelitian ini adalah untuk menganalisis hukum dan institusi di Indonesia dalam menghadapi skema Ponzi transnasional. Pendekatan yang digunakan adalah hukum doktrinal, dengan analisis terhadap kasus-kasus penipuan besar yang terjadi antara tahun 2020 hingga 2025, serta tinjauan terbatas terhadap hukum pidana, hukum perbankan, hukum pasar modal, dan undang-undang anti pencucian uang di Indonesia. Meskipun Indonesia memiliki dasar hukum yang memadai untuk menuntut pelaku skema Ponzi, proses hukum menghadapi berbagai kendala, termasuk keterbatasan yurisdiksi, kemampuan forensik digital yang belum optimal, serta tantangan kerja sama lintas negara. Lembaga-lembaga pengatur di Indonesia seperti Otoritas Jasa Keuangan (OJK) dan Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK) telah melaporkan beberapa langkah awal, seperti pembekuan aset utama kelompok pelaku dan upaya koordinasi investigasi. Namun demikian, masih terlihat adanya kekurangan dalam kesiapan dan kapasitas teknologi. Artikel ini menyimpulkan bahwa reformasi hukum, investasi pada infrastruktur forensik keuangan, kolaborasi internasional yang erat, serta peningkatan kesadaran publik akan sangat penting untuk memperkuat upaya Indonesia dalam memberantas skema Ponzi digital lintas negara dan melindungi investor domestik.
The dramatic advancement of digitized financial market transactions has enhanced the dissemination of global Ponzi schemes, leading to serious threats to developing nations like Indonesia. This paper investigates the development of Ponzi schemes involving cryptocurrencies, online trading platforms, and encrypted communications in ways that allow them to defraud investors across borders. The aim is to analyze the Indonesia's laws and institutions to deal with the transnational Ponzi schemes. A doctrinal law approach, with case analysis of 'high profile' frauds occurring between 2020 and 2025, combined with a limited capacity to examine the country's criminal law, banking law, capital market law and anti-money laundering laws, leads to the investigation's conclusions. Despite Indonesia having sufficient legal foundations to prosecute Ponzi schemes, any legal proceedings will struggle against many hurdles, including the lack of jurisdiction, digital forensics capabilities, and cooperation across borders. Indonesian regulatory agencies like the Financial Services Authority (OJK) and the Financial Transaction Reports and Analysis Centre (PPATK) reported they have taken some initial steps in freezing the groups major assets and working on coordination of investigations, but it is evident there are degrees of inadequacies of preparedness and technological capacity. The paper finishes with a conclusion that legal reforms, investment in financial forensic infrastructure, critical international collaboration, and raising public awareness will facilitate Indonesia's efforts to disrupt transnational digital Ponzi schemes and protect Indonesian investors.
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