Ensuring Compliance: Legal Oversight of Banking Standard Agreements for Deposit Accounts
DOI:
https://doi.org/10.37253/barjoules.v2i1.9592Keywords:
Standard Contract, Consumer Protection, Standard Agreements, Banking TransactionsAbstract
Standard agreements are generally created by institutions that engage in cooperation with other parties, unilaterally determining the terms. These agreements between customers and banks often place a heavy burden of obligations on the customers. This study aims to understand the legal regulations regarding standard agreements in the context of opening deposit accounts from the perspective of national banking and to analyze the effectiveness of the implementation of these agreements in transactions at People's Credit Banks in Batam City. This research employs a normative legal research method, focusing on banking compliance with standard agreements. To identify legal regulations, the study utilizes secondary data through literature review, and to identify compliance implementation, it uses primary data obtained directly from the field. The findings indicate that regulations governing standard agreements are found in the Civil Code, Law No. 08 of 1999 on Consumer Protection, Law No. 10 of 1998 on Banking, Law No. 21 of 2011 on Financial Services Authority, Financial Services Authority Regulation No. 1/POJK.07/2013 on Consumer Protection in Financial Services Sector, and Financial Services Authority Circular No. 13/SEOJK.07/2014 on Standard Agreements. The study's findings on the compliance implementation of banks in standard agreements for deposit account transactions in Batam City, particularly at BPR Banda Raya and BPR Dana Nusantara, reveal that these banks have yet to fully comply with the legal regulations regarding standard agreements.
Downloads
References
Abdulkadir, Muhammad. Hukum Perikatan. Bandung: Citra Aditya Bakti, 2006.
Alfitri, Alfitri. “Ideologi Welfare State Dalam Dasar Negara Indonesia: Analisis Putusan Mahkamah Konstitusi Terkait Sistem Jaminan Sosial Nasional.” Jurnal Konstitusi 9, no. 3 (2016). https://doi.org/10.31078/jk932.
Aliffa, Umi. “Penerapan Perjanjian Baku Pada Perbankan Menurut Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen.” Jurnal Ilmu Hukum, no. 8 (2018): 1–13.
Amalia, Chairy Naima. “Penerapan Klausula Eksenorasi Pada Perjanjian Formulir Pembukaan Rekening Nasabah Pada Bank Konvensional Di Bandar Lampung.” Indonesia Private Law Review 1, no. 1 (2020). https://doi.org/10.25041/iplr.v1i1.2043.
Ardika, Nyoman, and M. Soleh. “IMPLEMENTASI ASAS KESEIMBANGAN DALAM PERJANJIAN” 20, no. 1 (2022): 105–23.
Asmadi, Erwin. “Peran Perbankan Dalam Pencegahan Pendanaan Terorisme.” DE LEGA LATA : Jurnal Ilmu Hukum I, no. 1 (2016): 57–84.
Atmoko, Dwi. “Penerapan Asas Kebebasan Berkontrak Dalam Suatu Perjanjian Baku.” Binamulia Hukum 11, no. 1 (2022): 81–92. https://doi.org/10.37893/jbh.v11i1.683.
Ayuta Naomi, Risa. “TANGGUNG JAWAB BANK TERHADAP NASABAH DALAM PENYALAHGUNAAN DEPOSITO UNTUK INVESTASI (STUDI KASUS BANK BTPN CABANG BSD TANGERANG).” Law and Justice 5, no. 41 (2016): 1–13.
Dewata, Mukti Fajar Nur, and Yulianto Achmad. Dualisme Penelitian Hukum Normatif & Empiris. 1st ed. Yogyakarta: Pustaka Pelajar, 2010.
Indonesia, Pemerintah. Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen. Jakarta, 1999.
Jamilah, Lina. “Asas Kebebasan Berkontrak Dalam Perjanjian Standar Baku.” Syiar Hukum, FH UNISBA XIII, no. 8 (2012).
Keuangan, Otoritas Jasa. Surat Edaran Otoritas Jasa Keuangan No.13/SEOJK.O7/2O14. Jakarta, 2014.
Latif, Moh Abdul. “Standarisasi Perjanjian Baku Pada Perbankan Syariah.” TAWAZUN : Journal of Sharia Economic Law 2, no. 1 (2019): 61. https://doi.org/10.21043/tawazun.v2i1.5513.
M. Roesli, Sarbini, and Bastianto Nugroho. “KEDUDUKAN PERJANJIAN BAKU DALAM KAITANNYA DENGAN ASAS KEBEBASAN BERKONTRAK.” Jurnal Ilmu Hukum 15 (2019): 1–8.
Martanto, Bayu, Syamsurijal Tan, and M. Syurya Hidayat. “Analisis Tingkat Inflasi Di Indonesia Tahun 1998-2020 (Pendekatan Error Correction Model).” Jurnal Paradigma Ekonomika 16, no. 3 (2021). https://doi.org/10.22437/jpe.v16i3.14360.
Mega Maya, Helda. “Keabsahan Klausul Eksonerasi Dalam Perjanjian Baku (StandartContract).” Jurnal Pendidikan Pancasila Kewarganegaraan Dan Hukum 1 (2017).
Mexsita, Meilani Sherly. “ANALISIS YURIDIS PEMBUATAN KLAUSUL BAKU YANG DILAKUKAN OLEH BRI CABANG ABDULRAHMANSALEH DENGAN NASABAH BARU DALAM PERSPEKTIF HUKUM PERJANJIAN,” 2023.
Prima, A K. “Kontrak Baku Dalam Perjanjian Jual Beli Motor Ditinjau Dari Asas Kebebasan Berkontrak Di Dalam KUHPerdat Di Kota Makassar.,” 2010.
Priyono, Ery Agus. “ASPEK KEADILAN DALAM KONTRAK BISNIS DI INDONESIA (Kajian Pada Perjanjian Waralaba ).” Law Reform 14, no. 1 (2018). https://doi.org/10.14710/lr.v14i1.20233.
Purwati, Ani. Metode Penelitian Hukum Teori Dan Praktek. Edited by Tika Lestari. Surabaya: Jakad Media Publishing, 2020.
Qamah, Nurul, and Farah Syah Rezah. Metode Penelitian Hukum Doktrinal Dan Non-Doktrinal. Makassar: Social Politic Genius, 2020.
Rachmaniyah, Shinta, and Dipo Wahyoeno. “Perjanjian Baku Yang Memuat Klausula Eksonerasi Dalam Perspektif Hukum Perlindungan Konsumen.” Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance 2, no. 2 (2022): 714–24. https://doi.org/10.53363/bureau.v2i2.100.
Rachmanto, A. Dwi. “Penyelesaian Sengketa Konsumen Akibat Perjanjian Baku Dan Klausula Baku Pasca Keberlakuan Undang-Undang Nomor 21 Tahun 2011 Tentang Otoritas Jasa Keuangan.” Jurnal Hukum & Pembangunan 48, no. 4 (2018): 826. https://doi.org/10.21143/jhp.vol48.no4.1805.
Tampongangoy, Grace H. “PELAKSANAAN PERJANJIAN BAKU YANG DILAKUKAN OLEH BANK TERHADAP NASABAH DITINJAU DARI UNDANG-UNDANG NOMOR 8TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN” VIII, no. 4 (2020): 58–65.
Yetti, Miftahul Haq, and Dedy Felandry. “PERLINDUNGAN KONSUMEN TERHADAP PERJANJIAN BAKU DALAM TRANSAKSI KEUANGAN BERDASARKAN PERATURAN OTORITAS JASA KEUANGAN NOMOR 01/POJK.07/2013.” Jotika Research in Business Law 1, no. 8.5.2017 (2022): 2003–5.
Published
Versions
- 2024-03-20 (3)
- 2024-03-10 (2)
- 2024-07-22 (1)
