Tanggung Jawab Bank Kepada Nasabah Pasca Putusan Pengadilan Tindak Pidana Korupsi Pegawai Bank
DOI:
https://doi.org/10.30872/awmdjg53Keywords:
Verdict, Accountability, Bank, CustomerAbstract
Customers are a crucial factor in the world of Banking. However, it is not uncommon for customers who have fully entrusted their confidence to the bank to become victims of the negligence of individuals within the bank. This research is conducted with the objective of ascertaining the nature of the bank's responsibility following the judgment of Court Decision Number 21/Pid.Sus-TPK/2019/PN Smr, in cases where customers incur losses due to criminal activities committed by bank employees. The protection of banks for Bank Customers is regulated under Law No. 10/1998 regarding Amendments to Law No. 7/1992 regarding Banking. Normatively, the bank is accountable in cases where losses occur as a result of criminal acts by internal individuals, not only the perpetrators but the bank is also jointly responsible in accordance with the explanation found in the Indonesian Civil Code (KUHPer), specifically Article 1367. Regarding customer protection, banks do not solely rely on civil law enforcement, as expected through sanctions and compensation claim mechanisms. Criminal law provisions also include regulations that can safeguard consumers, such as licensing and supervision mechanisms. Indirect protection afforded to customers in the event of criminal acts in the field of banking is established through a series of statutory regulations, such as Law No. 8/1999 regarding Consumer Protection, as well as regulations that can ensnare wrongdoers, such as Law No. 10/1998 regarding Banking, Law No. 11/2008 regarding Electronic Information and Transactions, and Law No. 20/2001 regarding the Eradication of Corruption. Meanwhile, the direct protection provided by banks to their customers involves meticulous planning based on the principle of prudence, as stipulated in Article 29 of Law No. 10/1998 regarding Banking.
References
Agustina, Rani Sri, Rahasia Bank (Keni Media, 2016)
Agustina, Rosa, Perbuatan Melawan Hukum (Universitas Indonesia, Fakultas Hukum, Pascasarjana, 2003)
Agustina, Rosa, Hans Nieuwenhuis Suharnoko, and Jaap Hijma, ‘Hukum Perikatan (Law of Obligations)’, Denpasar: Pustaka Larasan, 2012, pp. 4–6
Arief, Moh. Zainol, and Sutrisni, ‘Perbuatan Melawan Hukum Dalam Transaksi Jual-Beli Melalui Internet Ditinjau Dari Buku III Kuhperdata’, Jendela Hukum, 1.2 (2014)
Bukit, Andi Nova, ‘Pertanggungjawaban Bank Terhadap Hak Nasabah Yang Dirugikan Dalam Pembobolan Rekening Nasabah (Studi Di PT. Bank Rakyat Indonesia TBK, Kantor Cabang Medan Gatot Subroto)’, Jurnal Ius Constituendum, 4.2 (2019), pp. 181–94
Busro, Achmad, ‘Hukum Perikatan Berdasar Buku III KUH Perdata’, Yogyakarta: Pohon Cahaya, 2011
Dameria, Rini, Achmad Busro, and Dewi Hendrawati, ‘Perbuatan Melawan Hukum Dalam Tindakan Medis Dan Penyelesaiannya di Mahkamah Agung (Studi Kasus Perkara Putusan Mahkamah Agung Nomor 352/PK/PDT/2010)’, Diponegoro Law Journal, 6.1 (2017), pp. 1–20
Djojodihardjo, Moegni, ‘Perbuatan Melawan Hukum, Cetakan I’, Pradnya Paramitha, Jakarta, 1979
Fuady, Munir, ‘Perbuatan Melawan Hukum (Pendekatan Kontemporer)’, 2005
Latumeten, Pieter E, ‘Reposisi Pemberian Kuasa Dalam Konsep Volmacht Dan Lastgeving Berdasarkan Cita Hukum Pancasila’, Jurnal Hukum & Pembangunan, 47.1 (2017), pp. 1–37
Muhammad, Antonio Syafi’i, ‘Bank Syariah Dari Teori Ke Praktik’, Gema Inasani: Jalarta, 2001
Prasetya, Ronny, Pembobolan ATM: Tinjauan Hukum Perlindungan Nasabah Korban Kejahatan Perbankan (Prestasi Pustaka Publisher, 2010)
Pratiwi, Anggita Maynanda, and Rinitami Njatrijani Budiharto, ‘Perlindungan Hukum Terhadap Nasabah Debitur Yang Terlapor Dalam Sistem Informasi Debitur (SID) Bank Indonesia’, Diponegoro Law Journal, 5.2 (2016), pp. 1–12
Purwosutjipto, H M N, ‘Pengertian Pokok Hukum Dagang Indonesia’, 2002
Sardjono, R, and Frieda Husni Hasbullah, Bunga Rampai Perbandingan Hukum Perdata (Ind-Hill, 2003)
Siahaan, Nommy Horas Thombang, Hukum Lingkungan Dan Ekologi Pembangunan (Erlangga, 2004)
Soenandar, Taryana, Fathurrahman Jamil, Mariam Darus Badrulzaman, Sutan Remy Sjahdeni, and Heru Soeprapto, ‘Kompilasi Hukum Perikatan’, 2016
———, ‘Kompilasi Hukum Perikatan’, 2016
Subekti, Raden, and Raden Tjitrosudibio, ‘Kitab Undang-Undang Hukum Perdata’, 1999
Takasenseran, Mauritz Pray, ‘Perjanjian Antara Bank Dan Nasabah Menurut Undang-Undang Nomor 10 Tahun 1998’, Lex et Societatis, 4.7 (2016)
Widiyono, Try, ‘Direksi Perseroan Terbatas’, Keberadaan, Tugas, Wewenang, Dan Tanggung Jawab, Edisi Kedua, Ghalia Indonesia, Bogor, 2008
Widodo, Selamat, ‘Tanggung Jawab Perdata Bank Terhadap Tindakan Fraud Karyawan Yang Merugikan Nasabah’, Kosmik Hukum, 14.2 (2014)
Winastri, Rivo Krisna, Ery Agus Priyono, and Dewi Hendrawati, ‘Tinjauan Normatif Terhadap Ganti Rugi Dalam Perkara Perbuatan Melawan Hukum Yang Menimbulkan Kerugian Immateriil (Studi Kasus Putusan Pengadilan Negeri Istimewa Jakarta No. 568/1968. G)’, Diponegoro Law Journal, 6.2 (2017), pp. 1–18
Downloads
Published
Issue
Section
License
Copyright (c) 2024 Erna Susanti, Sulung Nugroho
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
.png)
