<![CDATA[Dimas Auliya Fikri Bil Fi’li, M. Hamidi Masykur, S.H., M.Kn., ShantiRiskawati, S.H., M.Kn. Fakultas Hukum Universtas Brawijaya v.svrxvii@gmail.com  ABSTRAKDisparitas Putusan Mahkamah Agung Nomor Nomor 355/K/Pdt.Sus/2012 jo. Nomor589/K/Pdt.Sus/2012 jo. Nomor 472K/Pdt.Sus-BPSK/2014 jo. Nomor572/K/Pdt.Sus/2014 jo. Nomor 481/K/Pdt.Sus-BPSK/2015 menimbulkanpertanyaan dan kebingungan mengenai pandangan Mahkamah Agung terhadapkepastian hukum wewenang BPSK dalam menyelesaikan sengketa pembiayaankonsumen isparitas dasar pertimbangan hakim yang mengabulkan dan menolakkasasi terhadap putusan BPSK tidak memenuhi kepastian hukum. Unsur kepastiantidak terpenuhi karena terjadi kontradiktif antar dan multitafsir tentang kewenanganBPSK. BPSK tidak berwenang menyelesaikan sengketa pembiayaan konsumenkarena sengketa yang terjadi bersumber pada “penyitaan atas objek jaminanfidusia†dimana sengketa tersebut tidak menyentuh sengketa atas “kualitas suatubarang dan jasa†sebagai syarat terjadinya sengketa konsumen. Putusan BPSK tidakperlu dinyatakan batal karena tidak memenuhi syarat suatu putusan.Kata kunci: disparitas putusan, kewenangan badan penyelesaian sengketakonsumen, sengketa pembiayaan konsumen ABSTRACTDisparity of the Decision of Supreme Court Number 355/KPdt.Sus/2012 jo. Number589/K/Pdt.Sus/2012 jo. Number 472K/Pdt.Sus-BPSK/2014 jo. Number572/K/Pdt.Sus/2014 jo. Number 481/K/Pdt.Sus-BPSK/2015 has raised question regarding the perspective of Supreme Court toward legal certainty of the authority of BPSKin settling dispute of consumer lending. Basic disparity of the consideration made by the judge in which proposing higher court of cassation is accepted or rejected fails to meet legal certainty. This is due to the contradiction between and multi-interpretation on the authorities of BPSK. BPSK is not authorized to settle dispute regarding consumer lending because the dispute is triggered by the seizure of a fiduciary object in which the dispute does not take anything related to the quality of goods and services as the trigger for the dispute to occur to consumers. Finance Services Authority is an agency authorized to settle the dispute of consumer lending. The decision made by BPSK is not necessarily canceled when it does not meet the requirement as decided.Keywords: disparity of decision, authority of consumer dispute resolution agency, consumer lending dispute]]>
