Tinjauan Yuridis Perlindungan Hukum Nasabah Perbankan Berdasarkan Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan
Abstract: Banking is a
financial institution that can never be separated from the problem or dispute
either the bank's internal disputes and disputes between banks andcustomers.
Along with the times timbulah reforms to the legal system, one of which is the
renewal of the legal systems of banking, namely the birth of a banking institutions
like the Financial Services Authority and the Deposit Insurance Agency. Shift
functions of banking regulation and supervision of Bank Indonesia to the Financial
Services Authority has special meaning in particular the Financial Services
Authority as the receiver of the mandate in providing legal protection of customers.
Previous customer protection carried out by the Institute of Consumer Dispute
Resolution (BPSK) that receives customer complaints and disputesettlement.
The method of this thesis is a normative juridical approach (normative
legal research), specification of research is a descriptive study where the
research is todiscuss the principles of law. This research was conducted by
examining librarymaterials or secondary data such as legislation, books and a
variety of other sources.
Based on research conducted it can be concluded that Law No. 21 Year 2011
on the Financial Services Authority regulates the protection of customers which
consists of a couple of aspects based on results of the review authors, namely
the prevention of the loss of customers by improving customer knowledge by
publishing financial literature, service customer complaints by providing
facilitation customer complaints and resolve disputes between customers and
banks and legal defense for customers to file a civil suit in court by the
Financial Services Authority. Legal protection is an effort that shows that the
law is able to provide justice for the interests of the parties. Justice is
what is perceived and believed by those who receive treatment. Legal protection
settings banking customers in Law Number 21 Year 2011 on the Financial Services
Authority has complied fairness of some aspects of the Agreement the Bank Baku,
Conditions and Mechanism of Customer Complaints Service, terms and Dispute
Resolution Mechanism Through Alternative Dispute Resolution Institute (laps).
Keywords: Bank, Deposit
Insurance Agency, Law Number 21 Year 2011 on the Financial Services Authority
Penulis: Tengku Andrias
Prayudha
Kode Jurnal: jphukumdd151186
