PERLINDUNGAN HUKUM TERHADAP PEMEGANG KARTU E-MONEY SEBAGAI ALAT PEMBAYARAN DALAM TRANSAKSI KOMERSIAL
Abstract: One means of
electronic or non-cash payments are by using electronic money card (e-money).
Value of money is stored electronically and issued on the basis of the value of
money paid to the holders of the provider. The money is used as a means of payment,
but not the deposit as stipulated in the Banking Law, so it is not guaranteed
by Saving Guarantee Institution (LPS).
There are two issues that were examined in this study, namely: the
arrangements for electronic money card holders in e-money transactions and
legal protection for the cardholder to perform e-money transactions. The
research is a normative legal research using law and conceptual approach. Based
on the results of studies conducted on the issue, the legal regulation of the
form of electronic money stipulated in
Bank Indonesia Regulation Number
11/12/PBI/2009 on Electronic
Money, and through
standard agreements governed by
the provider, such as terms and conditions of the card holder. Legal protection
for the cardholder is required to ensure the equality of the provider and the
card holder, including legal protection against the misuse of e-money card that
can be detrimental to the holder, through preventive and repressive legal
protection.
Penulis: Ni Nyoman Anita
Candrawati
Kode Jurnal: jphukumdd140231
