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All Journal Unri Conference Series: Community Engagement JP2N: Jurnal Pengembangan Dan Pengabdian Nusantara
Kristesya Veronika Br. Sihombing
Universitas Riau
Humanities Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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PERLINDUNGAN HUKUM TERHADAP NASABAH DALAM PELAYANAN PERBANKAN PADA BANK. BTN DI KOTA PEKANBARU Afifah Sri Lestari; Kristesya Veronika Br. Sihombing; Nasywa Aulia Salsabila; Nurahim Rasudin
JP2N : Jurnal Pengembangan Dan Pengabdian Nusantara Vol. 3 No. 3 (2026): JP2N: Mei - Agustus 2026
Publisher : Yayasan Pengembangan Dan Pemberdayaan Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62180/yx32gr23

Abstract

Perkembangan industri perbankan menempatkan nasabah pada posisi yang rentan terhadap asimetri informasi dan klausula baku. Penelitian ini bertujuan untuk menganalisis pelaksanaan perlindungan hukum nasabah dalam pelayanan perbankan pada PT Bank Tabungan Negara (Persero) Tbk di Kota Pekanbaru (KC Pekanbaru, KCP Panam, dan KCP Rumbai) serta mengidentifikasi hambatan dalam implementasinya. Metode penelitian yang digunakan adalah yuridis empiris dengan pendekatan sosiologi hukum. Data primer diperoleh melalui kuesioner kepada nasabah Bank BTN di Kota Pekanbaru, sedangkan data sekunder diperoleh dari studi kepustakaan, peraturan perundang-undangan, dan literatur hukum. Hasil penelitian menunjukkan bahwa Bank BTN di Kota Pekanbaru secara umum telah menerapkan prinsip-prinsip perlindungan konsumen berdasarkan Peraturan Otoritas Jasa Keuangan (POJK). Hal ini tercermin dari tingginya pemahaman nasabah terhadap produk, transparansi kontrak, dan jaminan keamanan data pribadi. Namun, masih terdapat hambatan berupa kurangnya pemahaman nasabah mengenai jalur resmi pengaduan (mekanisme redress) dan adanya perubahan biaya administrasi/suku bunga secara sepihak yang kurang disosialisasikan. Diharapkan Bank BTN dapat meningkatkan edukasi berkala mengenai tata cara pengaduan guna mewujudkan perlindungan hukum yang optimal.
Transformasi UMKM Menuju Ekonomi Digital: Implementasi QRIS di Desa Batu Belah oleh Mahasiswa KKN MBKM FH UNRI dalam Bingkai Regulasi Hukum Sistem Pembayaran Ricki Musliadi; Yuandha Markalino; Daniel Joenathan Tambunan; Meri Yulia Susanti; Christin Amelia Carolina Napitupulu; Muhammad Novan Anugerah Panggabean; Kristesya Veronika Br. Sihombing; Ayu Septhia; Fidela Nur Aurelia; Daniel Novaldo Haposan Simanjuntak; Marsya Awalia Putri
Unri Conference Series: Community Engagement Vol 7 (2025): Seminar Nasional Pemberdayaan Masyarakat
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/unricsce.7.291-296

Abstract

The 2025 Community Service Program (Kuliah Kerja Nyata - KUKERTA) of the Merdeka Belajar - Kampus Merdeka (MBKM) at Universitas Riau is an implementation of the Three Pillars of Higher Education, specifically community service. The 2025 UNRI KUKERTA Program serves as a platform for students to learn and contribute simultaneously, absorbing real-world societal issues, and applying knowledge through tangible community empowerment to generate programs that are feasible, acceptable, participatory, and sustainable. Batu Belah Village, Kampar District, Kampar Regency, possesses MSMEs (Micro, Small, and Medium Enterprises) with significant potential for development, yet their operations remain largely confined to conventional cash-based transactions. Low digital literacy, limited understanding of legal regulations, and inadequate supporting facilities hinder the adoption of QRIS-based digital payment systems. Through the KKN program, students implemented a participatory and educational approach encompassing socialization, technical training, direct mentoring, and monitoring and evaluation to enhance MSMEs' practical understanding and capability in utilizing QRIS. As a result, MSME actors in Batu Belah Village successfully created QRIS accounts independently, understood digital transaction mechanisms, and began integrating non-cash payments into their business operations. The conclusion of this activity indicates that student-led, community-based mentoring not only accelerates the adoption of digital payment technology but also strengthens the foundation for transforming the MSME economy towards an inclusive and sustainable digital ecosystem, supported by a clear legal-regulatory framework.
Co-Authors Afifah Sri Lestari Ayu Septhia Christin Amelia Carolina Napitupulu Daniel Joenathan Tambunan Daniel Novaldo Haposan Simanjuntak Fidela Nur Aurelia Marsya Awalia Putri Meri Yulia Susanti Muhammad Novan Anugerah Panggabean Nasywa Aulia Salsabila Nurahim Rasudin Ricki Musliadi Yuandha Markalino