This study investigated the types of repair strategies and techniques of repair initiation used by Indonesian elementary EFL students during the classroom interaction with their teacher. The participants were elementary EFL students at the beginner level. By using qualitative research, the study used four types of repair strategies by Schegloff, Jefferson, and Sacks (1977) and techniques of repair initiation from Finegan (2008). The data were taken from video recorded of classroom interactions that were transcribed by applying Jefferson Transcription Notation (2004). The findings of the study revealed that the students used all types of repair strategies. The most frequently is OISR which obtained 23 occurrences (37.1%). Besides, the three techniques were found in the conversation. Asking questions toward the problem is the dominant one which 31 occurrences (50.0%). Another technique was revealed which is giving a possible understanding of the problem. The results show that the speakers produced the trouble source more which affected the recipient to initiate asking for the repair, meaning that the trouble source identified by the teacher, but the students repaired. The trouble source that appeared was affected by the students' proficiency and the lack of topic knowledge. Also, the teachers initiated asking for an explanation to raise the students' ability in terms of their English knowledge and speaking fluency. However, the teacher should allow the students to repair their trouble source or problem themselves.

This article discusses the role and involvement of the Financial Services Authority (OJK) in overseeing the Baitul Maal wa Tamwil (BMT) institution, especially in relation to the protection of illegal BMT customers. After the legislation and enactment of Law Number 1 of 2013 about Microfinance Institutions (UULKM), the establishment, guidance, regulation, and supervision of BMTs have changed. BMT organizations that originally could have been in the form of cooperative, foundation, limited liability companie, and even non-governmental organization, now must be in the form of cooperative or limited liability companie. However, in terms of guidance, OJK still needs to coordinate with ministries that carry out cooperative and domestic affairs, and therefore LKM guidance are actually under three authorities: OJK, the Ministry of Cooperatives and SMEs, and the Ministry of Home Affairs. Whereas in terms of regulation and supervision, authority is absolutely in OJK. The validity of UULKM also requires BMT to obtain a business license from OJK, and if not, the status means illegal. Taking the BMT (illegal) Global Insani case as an example, this article shows the role of OJK in BMT supervision has been expanded, from the institutional to the consumer protection aspects. Consumer protection efforts that can be done by OJK are through the mechanism of complaint, investigation, reporting, and prosecution. Abstrak Artikel ini membahas peran dan keterlibatan Otoritas Jasa Keuangan (OJK) dalam mengawasi lembaga Baitul Maal wa Tamwil (BMT), terutama dikaitkan dengan perlindungan nasabah BMT ilegal. Pasca dibentuk dan diberlakukannya Undang-undang Nomor 1 Tahun 2013 tentang Lembaga Keuangan Mikro (UULKM), maka pendirian, pembinaan, pengaturan, dan pengawasan BMT menjadi berubah. Organisasi BMT yang semula dapat berupa koperasi, yayasan, perseroan terbatas, dan bahkan kelompok swadaya masyarakat, saat ini harus berbentuk koperasi atau perseroan terbatas. Namun demikian, dalam hal pembinaan, OJK masih perlu berkoordinasi dengan kementerian yang menyelenggerakan urusan koperasi dan dalam negeri, dan karenanya LKM sesungguhnya berada di bawah tiga otoritas, yaitu OJK, Kementerian Koperasi dan UKM, dan Kementerian Dalam Negeri. Sedangkan dalam hal pengaturan dan pengawasan, kewenangan secara absolut ada pada OJK yang. Keberlakuan UULKM juga mewajibkan BMT memperoleh izin usaha dari OJK, dan jika tidak, statusnya berarti ilegal. Dalam artikel ini ditunjukkan, dengan mengambil contoh BMT (ilegal) Global Insani, peran OJK dalam pengawasan BMT telah diperluas, dari aspek kelembagaan hingga aspek perlindungan konsumen. Perlindungan konsumen yang dapat dilakukan OJK ialah melalui mekanisme pengaduan, penyelidikan, hingga pelaporan dan penuntutan.