Mustolih Siradj: OJK Oversight of Hajj Funds Contradicts BPKH Law
The National Hajj Commission (Komnas Haji) is questioning the authority of the Financial Services Authority (OJK) in overseeing hajj funds, as regulated in the revision of the Law on the Development and Strengthening of the Financial Sector (UU P2SK). Komnas Haji chairman Mustolih Siradj reckons this expansion of authority lacks a strong philosophical, sociological, or juridical foundation. According to him, hajj financial oversight has so far been specifically regulated in Law No. 34 of 2014 on Hajj Fund Management and Law No. 14 of 2025 on the Organization of Hajj and Umrah Pilgrimages.
Mustolih pointed out that the provisions in Law No. 4 of 2026 only mention the scope of OJK oversight includes hajj finances and Tapera, without detailing the procedures. This raises concerns about multiple interpretations and norm conflicts, since hajj fund management is lex specialis. He also regretted that the Hajj Fund Management Agency (BPKH) wasn’t involved in the discussion of the law revision.
Currently, BPKH is already supervised by internal bodies and the House of Representatives, and is directly accountable to the president. Komnas Haji believes the nature of hajj deposit funds differs from funds in the financial services industry, so it’s not right to treat them the same. Mustolih asked OJK and the House to give a public explanation about the urgency and legal basis for involving OJK so as not to cause confusion or regulatory clashes.
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