scholarly journals Putusan Mahkamah Agung Perlindungan Konsumen, Pasca Undang-Undang No. 21 Tahun 2011 Tentang Otoritas Jasa Keuangan

2020 ◽  
Vol 9 (2) ◽  
pp. 366
Author(s):  
A Dwi Rachmanto
Keyword(s):  
Supreme Court ◽  
Consumer Protection ◽  
Financial Services ◽  
Dispute Settlement ◽  
Financial Service ◽  
Point Of View ◽  
Services Sector ◽  
The Supreme Court ◽  
Case Decisions

The majority of civil case decisions specifically consumer protection are closely correlated with the financial services sector. Looking at and studying the verdicts of consumer protection cases contained in the Supreme Court (MA) website, it can be concluded that the consumer protection cases have increased significantly in the last 3 (three) years, between 2013 and 2017, especially after the enactment of Act Number 21 the Year 2011 concerning Financial Fervices Authority. This paper will analyze non-financial service case decisions, at least from the point of view of whether non-financial service case decisions are appropriately handled and understood by Supreme Court judges, BPSK Members, and by disputing parties based on Act Number 9 of 1999 Concerning Consumer Protection. The purpose of writing is to know what has been exactly done by BPSK and the judge and to analyze what is not appropriate normatively. The decision analysis is based on the classification of consumers, business actors, and the authority of the Consumer Dispute Settlement Agency (BPSK). This paper will analyze 14 non-financial services Supreme Court (MA) decisions in the span of time between 2013 and 2017, and use the normative juridical research method. From the results of the verdict research, it appears that the understanding of MA judges, BPSK members, and the parties to the dispute has not fully understood the understanding of consumers, business actors, and the authority of BPSK in handling cases. Mayoritas putusan perkara perdata khusus perlindungan konsumen berkorelasi erat dengan bidang jasa keuangan. Melihat dan mempelajari putusan perkara perlindungan konsumen yang terdapat dalam laman Mahkamah Agung (MA) dapat disimpulkan bahwa perkara perlindungan konsumen mengalami peningkatan signifikan dalam kurun 3 (tiga) tahun terakhir, antara tahun 2013 sampai dengan tahun 2017,  khususnya setelah berlakunya UU Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan. Tulisan ini akan menganalisis putusan perkara non jasa keuangan, setidaknya dari sudut pandang apakah putusan perkara non jasa keuangan telah tepat ditangani dan dipahami oleh hakim MA, Anggota BPSK dan  oleh para pihak yang bersengketa berdasarkan UU Nomor 9 Tahun 1999 Tentang Perlindungan Konsumen. Tujuan penulisan mengetahui apa yang telah tepat dilakukan oleh BPSK dan hakim serta menganalisis apa saja yang tidak tepat secara normatif. Analisis putusan dilakukan berdasarkan klasifikasi konsumen, pelaku usaha, dan kewenangan Badan Penyelesaian Sengketa Konsumen (BPSK). Tulisan ini akan menganalisis 14 putusan MA (MA) non jasa keuangan dalam rentang waktu antara tahun 2013 sampai dengan tahun 2017, dan menggunakan metode penelitian yuridis normatif. Dari hasil penelitian putusan nampak bahwa pemahaman hakim MA, Anggota BPSK dan para pihak yang bersengketa belum sepenuhnya memahami pengertian konsumen, pelaku usaha, dan kewenangan BPSK dalam menangani perkara.

scholarly journals Standard Contract on Banking Sector: Regulation and Description in Internal Banking Regulations

2021 ◽  
Vol 10 (2) ◽  
pp. 251
Author(s):  
Desak Putu Dewi Kasih ◽  
Putu Devi Yustisia Utami
Keyword(s):  
Consumer Protection ◽  
Financial Services ◽  
Banking Sector ◽  
Action Plan ◽  
Financial Service ◽  
Conceptual Approach ◽  
Services Sector ◽  
Standard Contract ◽  
Banking Regulations ◽  
Legal Consequences

This study aims to determine the regulations regarding standard contracts in the banking sector after the existence of the authority of the Otoritas Jasa keuangan, to find out the legal consequences of violations of the provisions of standard contracts carried out by banking financial services and to determine efforts to prevent violations of standard contracts by banking financial services. This is normative legal research with with statutory approach and a conceptual approach. The results show that the regulation regarding the standard contract after the existence of the OJK as a financial service consumer protection agency is regulated through the Financial Services Authority Regulation (POJK) No.1/POJK.07/2013 concerning Consumer Protection in the Financial Services Sector and in the Financial Services Authority Circular Letter (SEOJK) No. 13 /SEOJK.07 / 2014 regarding the Standard contract. The legal consequences of violating the provisions of the standard contract are not regulated in the POJK and the SEOJK. When it compared with the provisions of article 18 paragraph (3) of the Consumer Protection Law which explicitly states that violations of article 18 paragraphs (1) and (2) result in standard clauses being null and void, POJK and SEOJK only require financial service actors to make action plan, hence it is deemed to have no clear legal consequences. One of the efforts that must be made by banking financial service actors to prevent violations of the provisions of the standard contract is by making standard contract regulations independently and elaborating them in the internal banking regulations.

PERLINDUNGAN KONSUMEN PERUSAHAAN EFEK YANG MELAKUKAN PEMBELIAN SAHAM KORPORASI TERBUKA YANG DINYATAKAN MELAKUKAN TINDAK PIDANA KORUPSI

2019 ◽  
Vol 7 (2) ◽  
pp. 216
Author(s):  
Laras Ayu Sahita ◽  
Hudi Asrori
Keyword(s):  
Financial Services ◽  
Dispute Settlement ◽  
Listed Company ◽  
Legal Protection ◽  
Financial Service ◽  
Literature Study ◽  
Services Sector ◽  
Financial Services Sector ◽  
Service Businesses ◽  
Alternative Dispute Settlement

<p>Abstract<br />This article aims to determine about legal protection for consumers of securities companies that purchase shares of public listed company that committed acts of corruption. This article using a normative prespective<br />legal research with statue approach. Legal materials that used include primary and secondary legal material obtained by data collection techniques based on literature study with analysis techniques with deductive logic, explain a general thing then drawing it into more specific conclusions. The result of this study explains that there is a legal protection in the form of efforts that can be done by the investors as explained in the Chapter VI Article 28 through Article 30 of Law Number 21 of 2011 on Financial Services Authority (FSA) and also through the predetermined Internal Dispute (IDR) mechanism by FSA. If the mechanism unsuccessfully, then they can do an alternative dispute resolution through an Alternative Dispute Settlement Institution in the Financial Services Sector as regulated in POJK Number 1 / POJK.07 / 2013. As a customer, it is expected to find out more about their rights and obligations in the capital market sector before deciding to invest their funds through a securities company. FSA also needs to provide more education regarding the rights and obligations of financial service businesses and financial service consumers. In addition, it is expected that the FSA can have a greater role related to the protection of consumers and society.<br />Keywords: Protaction; Securities Companies; Consumers of Securities Companies.</p><p>Abstrak<br />Penulisan artikel ini bertujuan untuk mengetahui tentang perlindungan hukum bagi konsumen perusahaan efek yang melakukan pembelian saham korporasi terbuka yang dinyatakan melakukan tindak pidana korupsi. Metode yang digunakan adalah penelitian hukum normatif yang bersifat prespektif dengan menggunakan pendekatan perundang-undangan (statue approach). Jenis data yang digunakan berupa data primer dan sekunder yang diperoleh dengan teknik pengumpulan data berdasarkan studi kepustakaan dengan teknik analisis data dengan logika deduktif, yaitu  menjelaskan suatu hal yang bersifat umum kemudian menariknya menjadi kesimpulan yang lebih khusus. Hasil dari kajian ini adalah adanya perlindungan hukum berupa upaya yang dapat dilakukan oleh konsumen sebagaimana dijelaskan pada Bab VI Pasal 28 sampai dengan Pasal 30 Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan dan juga melalui mekanisme Standar Internal Dispute (IDR) yang telah ditentukan oleh OJK. Jika melalui mekanisme tersebut belum menemui titik terang maka dapat melakukan alternatif penyelesaian sengketa melalui Lembaga Alternatif Penyelesaian Sengketa di Sektor Jasa Keuangan sebagaimana diatur dalam POJK Nomor 1/ POJK.07/2013. Sebagai nasabah diharapkan untuk lebih mencari tahu kembali terkait hak-hak dan kewajibannya selaku nasabah di sektor pasar modal sebelum memutuskan untuk menginvestasikan dananya melalui perusahaan efek. OJK juga perlu memberikan edukasi lebih terkait hak dan kewajiban baik pelaku usaha jasa keuangan dan konsumen jasa keuangan, selain itu OJK diharapkan dapat memiliki peranan yang lebih besar lagi terkait dengan perlindungan konsumen dan masyarakat.<br />Kata kunci: Perlindungan; Perusahaan Efek; Konsumen Perusahaan Efek.</p>

scholarly journals Mercenary Purpose in Theft: Are There Limits To Broad Interpretation?

Lex Russica ◽  
2020 ◽  
pp. 93-102
Author(s):  
V. V. Khilyuta
Keyword(s):  
Supreme Court ◽  
Russian Federation ◽  
Point Of View ◽  
Broad Sense ◽  
The Supreme Court ◽  
Objective Classification ◽  
The Russian Federation ◽  
Broad Interpretation ◽  
Different Content

The paper deals with the issue of the modern understanding of the mercenary purpose as an element of theft and its forms — fraud, misappropriation and embezzlement. The author closely analyzes the Plenum of the Supreme Court of the Russian Federation Resolution No. 48 dated 30 November 2017 "On court practice on cases involving fraud, misappropriation and embezzlement" in view of the discussion of understanding mercenary purpose in litigation. The author polemically sets out the point of view that it is impossible to interpret a mercenary purpose in a broad sense — as the ability to dispose of stolen property at their own discretion, including in favor of other persons, whose circle is unlimited. It is proved that the term "lucre" cannot reveal the content of the purpose of theft, since lucre is inherent not only in theft, but also in other crimes. "Lucre" can only indicate the attitude of a person to the act of his behavior, the method of committing a crime, but does not characterize the purpose of his actions, as a result of which the concept of mercenary purpose can be filled with different content. Mercenary motives should determine the existence of a mercenary purpose, and non-mercenary motives should exclude the qualification of committed acts as theft of someone else’s property. The explanation of a mercenary purpose proposed by the Supreme Court of the Russian Federation significantly shifts the scope of the presence of elements of theft and transfers them to an earlier stage. Evening a mercenary purpose with the purpose of gaining (receiving) property benefits is not certain, since property benefits can also be extracted from the illegal use of other people’s property. For the objective classification of theft, the motive of the perpetrator’s behavior and the nature of his actions must be essential. Therefore, from the point of view of subjective elements of theft, its purpose should indicate that such an act is aimed at enriching the perpetrator or other persons, the circle of whom should be limited.

THEORETICAL STUDY OF LEGAL PROTECTION FOR CREDITORS IN THE OPEN SAVINGS ACCOUNT STANDARD AGREEMENT IN BANKS IN INDONESIA

2020 ◽  
Vol 4 (1) ◽  
pp. 29
Author(s):  
Dauri Dauri ◽  
Nadya Waliyyatunnisa ◽  
Retias Dewi Jayanti
Keyword(s):  
Commercial Bank ◽  
Consumer Protection ◽  
Financial Services ◽  
Theoretical Study ◽  
Legal Protection ◽  
Financial Service ◽  
Services Sector ◽  
Financial Services Sector ◽  
Legal Relationship ◽  
Account Standard

This study aims to examine the legal protection of creditors against standard savingsbookkeeping agreements at the Bank. With the enactment of Law Number 8 of 1999concerning Consumer Protection, the customer or customer gets legal protection. To bea customer at a bank, the community must first be bound in a legal relationship with thebank. The legal relationship between the customer and the bank occurs after bothparties sign an account opening form as proof that the customer has agreed and iswilling to fulfill the terms and conditions proposed by the bank. Customers who deposittheir money in the bank expect profit, security and convenience, therefore there must beprotection provided by the bank to depositors. The problem that will be discussed in thisresearch is how the form of legal protection for creditors against the standardagreement to open a savings account at a bank. The method used in this study is a typeof normative juridical research or literature review or documents related to theproblem. Based on the results of the study the authors found that the form of legalprotection for deposit customers against the exoneration clause in the form of opening a savings account at a commercial bank is one of the government's efforts to protect consumers against businesses in the financial services sector. Financial ServicesAuthority Regulation Number:1/POJK.07/2013 concerning Consumer Protection TheFinancial Services Sector is able to put the position of consumers of financial servicesin balance with financial service players, but in practice banks still apply theexoneration clause.

scholarly journals PERLINDUNGAN HUKUM KONSUMEN ATAS PENERAPAN KLAUSULA BAKU

2018 ◽  
Vol 11 (1) ◽  
pp. 91
Author(s):  
Muhamad Syamsudin
Keyword(s):  
Supreme Court ◽  
Consumer Protection ◽  
Dispute Settlement ◽  
Supreme Court Decision ◽  
District Court ◽  
Legal Research ◽  
Court Judge ◽  
Legal Questions ◽  
The Supreme Court

ABSTRAKKajian ini dilatarbelakangi oleh putusan kasasi Mahkamah Agung yang memutus berbeda dengan putusan Badan Penyelesaian Sengketa Konsumen, yang dikuatkan oleh Pengadilan Negeri Surabaya terkait dengan gugatan pelanggaran klausula baku oleh pelaku usaha jasa kebugaran milik PT X. Permasalahannya adalah: 1) Apakah isi klausula baku yang tercantum dalam perjanjian anggota jasa kebugaran milik PT X dapat dibenarkan berdasarkan Pasal 18 Undang-Undang Perlindungan Konsumen?; 2) Apakah dasar pertimbangan hakim Mahkamah Agung sudah tepat dan mencerminkan nilai-nilai keadilan bagi para pihak jika dibandingkan dengan Putusan Badan Penyelesaian Sengketa Konsumen dan Pengadilan Negeri Surabaya? Kajian ini merupakan penelitian hukum normatif dengan metode pendekatan kasus dan perundang-undangan. Hasil kajian menunjukkan bahwa klausula baku dalam perjanjian keanggotaan jasa kebugaran milik PT X telah melanggar ketentuan Pasal 18 ayat (1) huruf a, c, e, f, dan g Undang-Undang Perlindungan Konsumen. Konsekuensinya adalah batal demi hukum. Putusan Mahkamah Agung tidak tepat dan cermat dalam mempertimbangkan fakta-fakta hukum dan penerapan hukumnya. Ditinjau dari substansinya, Putusan Badan Penyelesaian Sengketa Konsumen yang dikuatkan oleh Pengadilan Negeri Surabaya lebih memenuhi rasa keadilan dan melindungi konsumen jika dibandingkan dengan Putusan Mahkamah Agung.Kata kunci: perlindungan konsumen, klausula baku, perjanjian keanggotaan. ABSTRACTThe background of this study is related to the Supreme Court Decision which is contradicted the Decision of the Consumer Dispute Settlement Agency (BPSK) upheld by the Surabaya District Court in relation to the lawsuit regarding the violation of the standard clause by PT X. The legal questions are: 1) Does the standardized clause contained in the membership agreement of PT X violate the Article 18 of the Consumer Protection Law?; 2) Are the considerations of the Supreme Court Judge appropriate and do they reflect the justice values for the parties when compared with the decision of the Consumer Dispute Settlement Agency and the Surabaya District Court? This study is a normative legal research done with case study and legislation review. The results indicate that the standardized clause in the membership agreement of PT X has violated the provisions of Article 18 paragraph (1) letters a, c, e, f, and g. The consequences is null and void. The Supreme Court failed to consider and employ the legal facts in the ruling. By the content, the Decision of BPSK strengthened by the Surabaya District Court is likely more justifiable and protective compared to the Supreme Court Decision.Keywords: consumer protection, standardized clause, membership agreement.

scholarly journals Consumer Protection and Contingent Charges

2012 ◽  
Vol 50 (2) ◽  
pp. 477-493 ◽  
Author(s):  
Mark Armstrong ◽  
John Vickers
Keyword(s):  
Supreme Court ◽  
Consumer Protection ◽  
Financial Services ◽  
Legal Issues ◽  
Regulatory Intervention

Contingent charges for financial services, such as fees for unauthorized overdrafts, are often controversial. We study the economics of contingent charges in a stylized setting with naive and sophisticated consumers. We contrast situations where the naive benefit from the presence of sophisticated consumers with situations where competition works to subsidize the sophisticated at the expense of the naive, arguably unfairly. The case for regulatory intervention in these situations depends in good part, but not only, on the weight placed on distributional concerns. The economic and legal issues at stake are well illustrated by a case on bank charges recently decided by the U.K. Supreme Court. (JEL D14, D18, G21, G28, L51)

ON THE CONCEPT AND CONTENT OF “ANOTHER ORDER OF PRE-TRIAL SETTLEMENT OF DISPUTES, ESTABLISHED BY THE AGREEMENT”

2021 ◽  
Vol 11 (4) ◽  
pp. 282-298
Author(s):  
D.G. FILCHENKO ◽  
E.A. EVTUKHOVICH
Keyword(s):  
Supreme Court ◽  
Russian Federation ◽  
Dispute Settlement ◽  
Critical Assessment ◽  
The Supreme Court ◽  
The Russian Federation ◽  
Characteristic Features ◽  
Dispute Settlement Procedure ◽  
Settlement Of Disputes ◽  
The Impact

The article analyzes the provisions of the arbitration procedural legislation and the practice of its application on a different pre-trial dispute settlement procedure established by the contract. A different pre-trial procedure is considered as an alternative to the general claim procedure for resolving disputes. The characteristic features of a different pre-trial order have been revealed. The authors summarized the practice of arbitration courts, highlighting other demanded pre-trial dispute settlement procedures. In particular, examples of atypical other methods of dispute settlement are provided. Separately, the issue of the admissibility of the cancellation of the general claim procedure for the settlement of disputes by the agreement was considered. An independent subject of the authors’ analysis was mediation as a pre-trial dispute settlement procedure. The work also focuses on the impact of a different pre-trial dispute settlement procedure on the course of the limitation period. The article discusses the provisions of the Resolution of the Plenum of the Supreme Court of the Russian Federation of 22 June 2021 No. 18 “On Some Issues of Pre-Trial Settlement of Disputes Considered in Civil and Arbitration Proceedings”. Some of the recommendations of the Plenum of the Supreme Court of the Russian Federation received critical assessment. The authors note the existing contradictions in the legislation and possible ways to overcome them, formulate individual conclusions as a result of studying the materials of the practice of arbitration courts.

scholarly journals Kewenangan Badan Penyelesaian Sengketa Konsumen (BPSK) dalam Menyelesaikan Sengketa Asuransi Pasca Keluarnya Peraturan Otoritas Jasa Keuangan (OJK) Nomor 1/POJK.07/2014

2019 ◽  
Vol 12 (2) ◽  
pp. 102
Author(s):  
Wisnu Kumala ◽  
Yaswirman Yaswirman ◽  
Ulfanora Ulfanora
Keyword(s):  
Dispute Resolution ◽  
Consumer Protection ◽  
Financial Services ◽  
Alternative Dispute Resolution ◽  
Dispute Settlement ◽  
Legal Research ◽  
Research Results ◽  
Consumer Protection Act ◽  
Legal Effect ◽  
Legal Consequences

There is a tug of authority in resolving insurance disputes outside the court between the Consumer Dispute Settlement Agency (BPSK) based on Law Nomor 8 of 1999 concerning Consumer Protection with Alternative Dispute Resolution Institutions (LAPS) based on Financial Services Authority Regulation Number 1/POJK.07/2014. This encourages the author to conduct legal research in order to determine the authority of BPSK in resolving insurance disputes as well as the legal consequences of the decision after the issuance of the Financial Services Authority Regulation Number 1/POJK.07/2014 using the statutory approach. This legal research results in the finding that BPSK is still authorized to settle insurance disputes following the issuance of the Financial Services Authority Regulation Number 1/POJK.07/2014, this is based on the provisions of the Lex superior derogat legi inferiori principle. Then there is no legal effect on the BPSK decision after the issuance of the Financial Services Authority Regulation. This is because BPSK's decision has been based on Law Number 8 of 1999 concerning Consumer Protection, whose position is higher than the Regulation of the Financial Services Authority. So there is no need for BPSK to follow the provisions of the regulations whose hierarchy of legislation is lower than the Consumer Protection Act. Therefore BPSK's decision is "final and binding" as explained in Article 54 paragraph 3 of the Consumer Protection Act.

scholarly journals PERAN OTORITAS JASA KEUANGAN TERHADAP PENGAWASAN LEMBAGA KEUANGAN DI INDONESIA

2019 ◽  
Vol 1 (02) ◽  
pp. 177-188
Author(s):  
Annisa Arifka Sari
Keyword(s):  
Capital Market ◽  
Financial Services ◽  
Financial Service ◽  
Legal Basis ◽  
Legal Research ◽  
Services Sector ◽  
Financial Services Sector ◽  
Stable Manner ◽  
The Government

Penelitian ini bertujuan untuk menjelaskan peran Otoritas Jasa Keuangan sebagai lembaga independen dalam melakukan pengawasan terhadap lembaga jasa keuangan di Indonesia serta kewenangan Otoritas Jasa Keuangan yang diatur dalam Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan. Metode yang digunakan dalam penelitian ini adalah penelitian hukum normatif. Dari hasil penelitian dijelaskan bahwa Otoritas Jasa Keuangan adalah lembaga yang independen dan bebas dari campur tangan pihak lain, yang mempunyai fungsi, tugas, dan wewenang pengaturan, pengawasan, pemeriksaan, dan penyidikan terhadap lembaga jasa keuangan seperti perbankan. Dasar hukum dibentuknya Otoritas Jasa Keuangan adalah Undang-Undang Nomor 21 Tahun 2011. Secara kelembagaan, Otoritas Jasa Keuangan berada di luar pemerintah, yang dimaknai bahwa Otoritas Jasa Keuangan tidak menjadi bagian dari kekuasaan pemerintah. Otoritas Jasa Keuangan dibentuk dengan tujuan agar keseluruhan kegiatan di dalam sektor jasa keuangan terselenggara secara teratur, adil, transparan, dan akuntabel; mampu mewujudkan sistem keuangan yang tumbuh secara berkelanjutan dan stabil; serta mampu melindungi kepentingan konsumen dan masyarakat. Otoritas Jasa Keuangan bertugas tidak hanya mengatur dan mengawasi perbankan saja, tetapi juga mencakup pasar modal, perasuransian, dana pensiun, lembaga pembiayaan, serta lembaga jasa keuangan lainnya.    THE ROLE OF FINANCIAL SERVICES AUTHORITY ON SUPERVISION OF FINANCIAL INSTITUTIONS IN INDONESIA This research aims to explain the role of the Financial Services Authority as an independent institution in supervising financial service institutions in Indonesia as well as the authority of the Financial Services Authority as regulated in Law Number 21 of 2011 concerning the Financial Services Authority. The method used in this research is normative legal research. From the research results, it is explained that the Financial Services Authority is an independent institution and free from interference from other parties, which has the function, task and authority to regulate, supervise, examine and investigate financial service institutions such as banks. The legal basis for the establishment of the Financial Services Authority is Law Number 21 of 2011. Institutionally, the Financial Services Authority is outside the government, which means that the Financial Services Authority is not part of the government's power. The Financial Services Authority was formed with the aim that all activities in the financial services sector are carried out in an orderly, fair, transparent and accountable manner; able to realize a financial system that grows in a sustainable and stable manner; and able to protect the interests of consumers and society. The Financial Services Authority is tasked with not only regulating and supervising banking, but also covering the capital market, insurance, pension funds, financing institutions, and other financial service institutions.    

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