Relevansi Penerapan Teori Hukum terhadap Perlindungan Nasabah Perbankan yang Dirugikan oleh Transaksi Internet Banking (Analisis Teori Hukum Positif dan Teori Utilitas)
Abstract:
Purpose: The purpose of writing this journal is to find out the legal arrangements for the protection of banking customers who are harmed by internet banking transactions, and to know the relevance of the application of legal theory to the protection of banking customers who are harmed by internet banking transactions.
Method: The method used is a normative approach, namely through library research, and an empirical approach, namely through field research by conducting a series of interviews with respondents and informants to obtain field data.
Result: The results of the study show that the legal arrangements for protecting banking customers who are harmed by internet banking transactions are regulated in Law Number 8 of 1999 concerning Consumer Protection, Bank Indonesia Regulation Number 10/10/PBI/2008 concerning Settlement of Customer Complaints, Regulations of the Financial Services Authority Number 1/POJK.07/2013 concerning Consumer Protection in the Financial Services Sector, and Bank Indonesia Circular Letter Number 9/30/DPNP concerning Implementation of Risk Management in the Use of Information Technology by Commercial Banks. The relevance of the application of legal theory to the protection of banking customers who are harmed by internet banking transactions. The application of law through legal theory in Indonesia from the perspective of philosophy of science can be seen from the legal protection that occurs. Legal protection as an effort to uphold justice, customers can claim compensation from the bank if there is a system error caused by an internet banking transaction, but this provision does not apply if the error is caused by the act or omission of the customer and the bank is required to warn customers about the risks of using the internet banking
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Ardelia, N., & Leon, F. M. (2021). Faktor–faktor yang mempengaruhi konsumen dalam menggunakan dan berhutang dengan kartu kredit di Jabodetabek. Jurnal Akuntansi, Keuangan, Dan Manajemen, 2(2), 83-101.
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Idham, I., Respationo, S., & Wibisono, C. (2022). Legal Political Dimensions, Improvement Expertise Agency Of The Dpr Ri In Implementing Research-Based Legislative Policy Making And Implementation Of Independent Learning And Merdeka Campus In Indonesia. Journal of Legal, Ethical and Regulatory Issues, 25(5).
Rahardjo, Satjipto. (2015). Ilmu Hukum, cetakan kelima. Bandung: PT. Citra Adya Bakti
Respationo, S., & Idham, I. (2022). Land Registration And Certificate Issuance In A Free Trade Zone Perspective (FTZ). 48(3).
Riswandi, B.A. (2015). Aspek Hukum Internet Banking. Jakarta: Raja Grafindo Persada.
Riza, K., Lubis, I. H., & Suwalla, N. (2022). Kepastian Hukum Terhadap Putusan Peradilan Adat Aceh dalam Penyelesaian Tindak Pidana Pencurian. Jurnal Ilmiah Hukum dan Hak Asasi Manusia, 2(1), 39-47.
Soekanto, S., & Mamudji, S. (2013). Penelitian Hukum Normatif suatu Tinjauan Singkat. Radja Grafindo Persada.
Soeharjoto, S., & Hariyanti, D. (2019). Pengaruh makro ekonomi dan fundamental perusahaan terhadap kinerja perbankan syariah di Indonesia. Jurnal Akuntansi, Keuangan, dan Manajemen, 1(1), 1-8.
Undang-Undang Dasar Negara Republik Indonesia Tahun 1945
Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan
Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen
- Ardelia, N., & Leon, F. M. (2021). Faktor–faktor yang mempengaruhi konsumen dalam menggunakan dan berhutang dengan kartu kredit di Jabodetabek. Jurnal Akuntansi, Keuangan, Dan Manajemen, 2(2), 83-101.
- Diantha, I. M. P., & SH, M. (2016). Metodologi penelitian hukum normatif dalam justifikasi teori hukum: Prenada Media.
- Ghafur, M. (2007). Potret Perbankan Syariah di Indonesia Terkini. Yogyakarta: Biruni Press
- Huijbers, T. (2019). Filsafat Hukum. Yogyakarta: Kanisius
- Idham, I., Respationo, S., & Wibisono, C. (2022). Legal Political Dimensions, Improvement Expertise Agency Of The Dpr Ri In Implementing Research-Based Legislative Policy Making And Implementation Of Independent Learning And Merdeka Campus In Indonesia. Journal of Legal, Ethical and Regulatory Issues, 25(5).
- Rahardjo, Satjipto. (2015). Ilmu Hukum, cetakan kelima. Bandung: PT. Citra Adya Bakti
- Respationo, S., & Idham, I. (2022). Land Registration And Certificate Issuance In A Free Trade Zone Perspective (FTZ). 48(3).
- Riswandi, B.A. (2015). Aspek Hukum Internet Banking. Jakarta: Raja Grafindo Persada.
- Riza, K., Lubis, I. H., & Suwalla, N. (2022). Kepastian Hukum Terhadap Putusan Peradilan Adat Aceh dalam Penyelesaian Tindak Pidana Pencurian. Jurnal Ilmiah Hukum dan Hak Asasi Manusia, 2(1), 39-47.
- Soekanto, S., & Mamudji, S. (2013). Penelitian Hukum Normatif suatu Tinjauan Singkat. Radja Grafindo Persada.
- Soeharjoto, S., & Hariyanti, D. (2019). Pengaruh makro ekonomi dan fundamental perusahaan terhadap kinerja perbankan syariah di Indonesia. Jurnal Akuntansi, Keuangan, dan Manajemen, 1(1), 1-8.
- Undang-Undang Dasar Negara Republik Indonesia Tahun 1945
- Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan
- Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen
