PERLINDUNGAN HUKUM BAGI KONSUMEN JASA KEUANGAN DALAM PERJANJIAN BAKU DENGAN KLAUSULA EKSONERASI
DOI:
https://doi.org/10.21776/ub.arenahukum.2019.01202.8Keywords:
Legal protection, Consumer, Standart agreement, Exoneration clauseAbstract
Abstract
Standard agreements with exoneration clauses are generally used by people who have economic advantages so they are in a dominant position. Whereas the opposite party (Woderpartij) has a weak economic position either because of imbalance position or the ignorance of choices. The research aims to know and understand legal protection efforts if consumers have been harmed by the existence of a standard agreement with the exoneration clause on banks as financial service business actors. This is a normative research with a case approach analyzed based on applicable legal provisions and described descriptively analytically. Preventive and curative measures are needed in law enforcement that provide a deterrent effect to banks as financial service business actors (PUJK) that harm consumers. This is to prevent abuse standard with exoneration clauses in the form of transferring responsibilities and freeing up risks.
Abstrak
Perjanjian baku dengan klausula eksonerasi pada umumnya digunakan oleh kalangan yang memiliki keunggulan ekonomi sehingga berada pada posisi yang dominan. Sedangkan pihak lawannya (woderpartij) yang mempunyai kedudukan ekonomi yang lemah baik karena ketidakseimbangan posisi maupun karena ketidaktahuan terhadap pilihan. Penelitian dalam artikel ini bertujuan untuk mengetahui dan memahami upaya perlindungan hukum jika konsumen telah dirugikan dengan adanya perjanjian baku dengan klausula eksonerasi pada bank sebagai pelaku usaha jasa keuangan. Metode penelitian yang digunakan adalah yuridis normatif dengan pendekatan kasus yang dianalisis berdasarkan ketentuan hukum yang berlaku serta diuraikan secara deskriptif analitis. Diperlukan upaya preventif serta kuratif dalam penegakan hukum yang memberikan efek jera kepada bank selaku pihak pelaku pelaku usaha jasa keuangan (PUJK) yang merugikan konsumen agar tidak menyalahgunakan klausula baku dengan klausula eksonerasi berupa pengalihan tanggung jawab serta membebaskan resikoReferences
DAFTAR PUSTAKA
Buku
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Sriwati. “Perlindungan Hukum Bagi Para Pihak Dalam Perjanjian Bakuâ€. Jurnal Yustika Vol III, No. 2, (Desember 2000).
Makalah
Samsul, Inosensius. “Penegakan Hukum Perlindungan Konsumen Pasca Undang-Undang Otoritas Jasa Keuangan (OJK) dan Peraturan OJK Nomor 1 Tahun 2013â€. Seminar Hukum Kerja Sama Otoritas Jasa Keuangan (OJK) dan hukumonline.com. Jakarta, 2013.
Wiwoho, Jamal. Optimalisasi , Penguatan dan Modernisasi Kelembagaan Keuangan Mikro Syariah Dalam Mewujudkan Financial Inclusion Menuju Kesejahteraan Masyarakat disampaikan pada kegiatan The 1st International Islamic Financial Inclusion Summit 2012 yang diselenggarakan Oleh DPP GP ANSOR. Surakarta: Diamond Convention Centre (Ball Room), 2012.
Artikel Internet
Sindonews.com. “OJK Terbitkan Aturan Perlindungan Konsumenâ€. h_p://ekbis.sindonews.com/read/839060/32/ojk-terbitkan-aturan-perlindungan-konsumen. Diakses 24 September 2016.
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Peraturan Perundang-undangan
Undang-Undang Nomor 8 Tahun 1999 Tentang Hukum Perlindungan Konsumen
Peraturan Otoritas Jasa Keuangan Nomor 01/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan
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