Authority of the Consumer Dispute Settlement Body in Education of Consumer Protection in Financial Services Sector

2017 ◽  
Author(s):  
Agus Satory
Keyword(s):  
Consumer Protection ◽  
Financial Services ◽  
Dispute Settlement ◽  
Services Sector ◽  
Financial Services Sector

scholarly journals PERLINDUNGAN HUKUM BAGI NASABAH PENGGUNA INTERNET BANKING

GANEC SWARA ◽  
2019 ◽  
Vol 13 (2) ◽  
pp. 207
Author(s):  
ALINE FEBRIANY LOILEWEN ◽  
TITIN TITAWATI
Keyword(s):  
Risk Management ◽  
Consumer Protection ◽  
Financial Services ◽  
Service Sector ◽  
Legal Protection ◽  
Internet Banking ◽  
Electronic Information ◽  
Customer Complaints ◽  
Services Sector ◽  
Financial Services Sector

  This study aims to examine and analyze how the legal protection and supervision of the banking world for customers using internet banking facilities.  This study uses a form of normative legal research, namely research that is based on written rules and legislation and various literature related to the problems that will be discussed in this study.   Some forms of legal protection for customers using internet banking facilities are the existence of the Financial Services Authority Regulation No.38 / POJK.03 / 2016 concerning Application of Risk Management in the Use of Information Technology by Commercial Banks (POJK IT Risk Management). The existence of Article 1 number 12 of Law No. 11 of 2008 concerning Information and Electronic Transactions (UU ITE), electronic signatures are signatures consisting of electronic information that is attached, associated or related to other electronic information used as a verification and authentication tool . Another thing that can be done by customers who use internet banking facilities is to conduct customer complaints. Customer complaints are a manifestation of the protection of rights owned by customers, namely the right to be heard. This right is regulated in Article 4 letter d of Law 8 of 1999 concerning Consumer Protection of the PK Law). Whereas in the financial services sector, there is Article 32 of the Financial Services Authority Regulation No. 1 / POJK.07 / 2013 concerning Consumer Protection in the Financial Services Sector (POJK PK) which stipulates that financial service sector business operators must have and carry out customer service and settlement complaints.  The supervision policy carried out by Bank Indonesia towards banks aims to protect the interests of the community and to maintain the continuity of the bank's business as a trust and as an intermediary institution, the supervision is carried out either directly or indirectly

scholarly journals PERAN OTORITAS JASA KEUANGAN DALAM PENYELESAIAN PENGADUAN KONSUMEN SEKTOR JASA KEUANGAN

2018 ◽  
Vol 5 (1) ◽  
pp. 236
Author(s):  
Marwah Marwah
Keyword(s):  
Empirical Research ◽  
Consumer Protection ◽  
Financial Services ◽  
Accurate Information ◽  
Business Service ◽  
Services Sector ◽  
Consumer Complaints ◽  
Financial Services Sector ◽  
Laws And Regulations

Abstract                Under the provisions of Article 22 paragraph (1) of the Financial Services Authority Regulation No. 1/POJK.07/2013 on Consumer Protection of the Financial Services Sector, whereas in the case of Business Service Actors using standard agreements, such standard agreements shall be prepared in accordance with the laws and regulations . However, based on the results of the research, in the current banking practice, the agreement format has been prepared unilaterally by the bank in the form of standard conditions set forth in the printed form, and then presented to applicant debtor for approval. This study aimed to find out about the role of the Financial Services Authority as a facilitator in providing accurate information and provide facilities for the settlement of consumer complaints. This research was an empirical research conducted in Makassar city. The results indicated that the Financial Services Authority as a facilitator, not optimal in protecting the mortgage debtor.Key Word : Role of the Financial Services Authority, Debtor Protection Abstrak             Berdasarkan ketentuan Pasal 22 ayat (1) Peraturan Otoritas Jasa Keuangan Nomor 1/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan, bahwa dalam hal Pelaku Usaha Jasa Keuangan menggunakan perjanjian baku, maka perjanjian baku tersebut wajib disusun sesuai dengan peraturan perundang-undangan. Namun, berdasarkan hasil penelitian, dalam praktik perbankan saat ini, format perjanjian telah disiapkan secara sepihak oleh pihak bank berupa syarat-syarat baku yang dituangkan dalam formulir yang sudah dicetak, dan kemudian disodorkan kepada calon nasabah debitor untuk disetujui. Penelitian ini bertujuan untuk mengetahui mengenai peran Otoritas Jasa Keuangan sebagai fasilitator dalam menyediakan informasi yang akurat serta memberikan fasilitas penyelesaian pengaduan konsumen. Penelitian ini merupakan penelitian empiris yang dilaksanakan di kota Makassar. Hasil penelitian menunjukkan bahwa Otoritas Jasa Keuangan sebagai fasilitator, belum optimal dalam melindungi debitor Kredit Pemilikan Rumah.Kata Kunci : Peran Otoritas Jasa Keuangan, Perlindungan Debitor   

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 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 INTEGRATED ALTERNATIVE DISPUTE RESOLUTION INSTITUTIONS IN THE FINANCIAL SERVICES SECTOR: DISPUTE RESOLUTION EFFORTS IN CONSUMER PROTECTION FRAMEWORK

2021 ◽  
Vol 10 (1) ◽  
pp. 32
Author(s):  
Lastuti Abubakar ◽  
Tri Handayani
Keyword(s):  
Dispute Resolution ◽  
Consumer Protection ◽  
Financial Services ◽  
Alternative Dispute Resolution ◽  
Services Sector ◽  
Financial Services Sector ◽  
Legal Implications ◽  
Legal Perspective ◽  
Analytical Research ◽  
Financial Technology

<em>This study examines and analyzes the legal implications of strengthening the integrated Alternative Dispute Resolution Institutions in the Financial Services Sector regulations. This study applies a normative juridical approach with descriptive-analytical research specifications. The data are analyzed using qualitative juridical analysis. Results show that: an Integrated Alternative Dispute Resolution Institutions in the Financial Services Sector is a dispute resolution institution that is in accordance with the characteristics of the financial services sector as an agent of trust and prioritizes consumer protection. It is expected that consumer dispute resolution is faster, cheaper, and fairer for both Business Actors and the consumers; strengthening of regulations on integrated ADR Institutions in the Financial Services Sector aims to create independent, fair, effective, and efficient dispute resolution capable of anticipating developments in the financial services sector that are increasingly complex from a legal perspective, the use of financial technology, and products/services across financial services sectors</em>

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 NASABAH DEBITUR TERHADAP PERJANJIAN BAKU YANG MENGANDUNG KLAUSULA EKSONERASI PADA BANK UMUM DI BANDARLAMPUNG

FIAT JUSTISIA ◽  
2017 ◽  
Vol 10 (1) ◽  
Author(s):  
Ahmad Jahri
Keyword(s):  
Consumer Protection ◽  
Financial Services ◽  
Financial Institution ◽  
Legal Protection ◽  
Active Role ◽  
Services Sector ◽  
Financial Services Sector ◽  
Standard Contract ◽  
Bargaining Position ◽  
Credit Contract

Legal protection for debtor as a consumer in banking becomes important which the position of the some parts of credit contract is not balanced. Bank prefer to have a strong bargaining position, so the bank based on the reason of efficiency makes standard contract contain exoneration clause that incriminating debitors. The Government’s Determination Law No. 8 of 1999 on Consumer Protection has been set up the opposition to banning the use of the standard contract. Similarly, the Financial Services Authority (FSA)/ Otoritas Jasa Keuangan (OJK) carried out a function of supervising the financial institution has issued POJK No. 1/POJK.07/2013 on Consumer Protection of Financial Services Sector. The regulations issued to protect consumers especially financial services sector. The result showed that credit contract of the commercial bank in Bandar Lampung still contains exoneration clause that prohibited on The Government’s Determination Law No. 8 of 1999 on Consumer Protection and OJK Regulation No.1/POJK.07/2013 on Consumer Protection of Financial Services Sector. There is a clause that requires the debtors to submit all bank’s guidance and regulations, either already exist or will be set later. The legal consequence of the implementation of exoneration clause in credit contract is the contract can be canceled by law as mentioned in Article 18 paragraph (3) The Government’s Determination Law No. 8 of 1999 on Consumer Protection. The legal protection of debtor as a consumer of banking service has been arranged by the regulations, but the implementation has not effective because still there are abuses by the bank. Therefore, the active role of Financial Services Authority to conduct monitoring and providing strict sanctions to banks that violate the rule. Furthermore, need education for community and have to make a format of standard contract that compatible with rules which formulated by the Financial Services Authority (FSA)/ Otoritas Jasa Keuangan (OJK). Keywords: Exoneration, Clause, Customer Protection, Standard Contract

Protection of Customers for Management of Digital Banking Services (Study at PT. BRI Unit Boyolali)

2020 ◽  
Vol 3 (2) ◽  
pp. 170
Author(s):  
Herdian Ayu Andreana Beru Tarigan ◽  
Darminto Hartono Paulus
Keyword(s):  
Information Technology ◽  
Financial Services ◽  
Banking Industry ◽  
Service Innovation ◽  
Quality Of Services ◽  
Legal Research ◽  
Banking Services ◽  
Services Sector ◽  
Financial Services Sector

<p>Increasing competition in the Indonesian banking industry has encouraged many banks to improve the quality of services to customers by utilizing information technology developments. Service innovation in the use of information technology encourages banks to enter the era of digital banking services. However, the development of digital banking services also increases the risks faced by banks. The purpose of this study is to provide an overview of the implementation of digital banking services and customer protection for risks from digital banking services. The method used in this study is an empirical legal research method. The results of this study indicate that the implementation of digital banking services is regulated by OJK Regulation No.12/POJK.03/2018. The existence of this OJK Regulation is expected by banks as providers of digital banking services to always prioritize risk management in the use of information technology. In addition, this study also shows the existence of 2 types of customer protection for the use of digital banking services, namely preventive protection in the form of legislation related to customer protection in the financial services sector and repressive protection in the form of bank accountability for complaints from customers using digital banking services.</p>

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