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All Journal GANEC SWARA Media Keadilan: Jurnal Ilmu Hukum Al-Amal: Jurnal Pengabdian Masyarakat PESOLAH: Jurnal Pendidikan, Sosial dan Humaniora Unizar Law Review Ganec Swara
Gede Tusan Ardika
Universitas Mahasaraswati Denpasar
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Penyelesaian Sengketa Perbankan Melalui Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan Pasca UU Nomor 4 Tahun 2023 Tentang Pengembangan dan Penguatan Sektor Keuangan dalam Perspektif Perlindungan Nasabah: Banking Dispute Resolution Through the Alternative Dispute Resolution Institution for the Financial Services Sector Following Law No. 4 of 2023 on the Development and Strengthening of the Financial Sector: A Customer Protection Perspective Dewi Asmawardhani; Titin Titawati; Gede Tusan Ardika
Ganec Swara Vol. 20 No. 3 (2026): September 2026
Publisher : Yayasan Al-Amin Qalbu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59896/gara.v20i3.820

Abstract

Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (P2SK) has shifted the paradigm of banking dispute resolution from voluntary to mandatory through the Financial Services Sector Alternative Dispute Resolution Institution (LAPS SJK)—an independent, integrated institution for out-of-court dispute resolution officially recognized by the Financial Services Authority (OJK). This study employs a normative juridical method to analyze the issues at hand. The findings indicate that, although LAPS SJK decisions are final and binding under OJK Regulation Number 61/2020, they lack executory force. Therefore, to mitigate structural imbalances and ensure compliance with mandatory LAPS SJK decisions or arbitration awards, strict administrative sanctions from the OJK are required for banks that disregard dispute resolution outcomes. Furthermore, to balance the customer's bargaining position and ensure that resolutions truly reflect genuine fairness, an execution model involving a court order is necessary to uphold legal certainty while prioritizing principles of simplicity, speed, and low cost.
Co-Authors Aesthetica Fiorini Mantika ALINE FEBRIANY LOILEWENDAN ALINE FEBRYANI LOILEWEN AMINULLAH AMINULLAH Aminullah Aminullah, Aminullah APRIANI, TITIN Bagus Widhi Dharma S Dewi Asmawardhani DEWI, NI MADE NIA BUNGA SURYA Edi Yanto Fahrurrozi Fitriani Amalia I Gusti Made Subrata I Gusti Ngurah Octova Seventilofa Ida Ayu Ketut Marini IDA AYU NOPIARI Imawanto Intan Aurel Jaya, Nenet Natasudian KETUT MARINI, IDA AYU Liya Apriana LOILEWEN, ALINE FEBRIANY M. Zainuddin Muhamad Yamin Muhammad Afzal Munir, Usman NI LUH ARININGSIH SARI Ni Made Nia Bunga Surya Dewi Nopiari, Ida Ayu Novita Listyaningrum, Novita Octova S., I Gusti Ngurah Pasti, I Wayan Ramli . RAMLI RAMLI Ramli Ramli RAMLI RAMLI RAMLI RAMLI Ramli Ramli RAMLI RAMLI Ramli Ramli Sahrul SUBRATA, I GUSTI MADE TITAWATI, TITIN Titin Titawati TITIN TITAWATI TITIN TITAWATI Titin Titawati Zulaifi, Reza