<![CDATA[Cindy Olivia Susanto, Dr.Siti Hamidah, SH.,M.M., Dr. Reka Dewantara,S.H.,M.H. Fakultas Hukum Universitas Brawijaya Jalan MT.Haryono No. 169, Malang 65145, Indonesia Telp: +62-341-553898, Fax: +62-341-566505 Email : cindyoliviasusanto@gmail.com  ABSTRAK Penelitian ini bertujuan untuk menganalisis dasar pertimbangan hakim yang memenangkan Tergugat dalam putusan Nomor 29/Pdt.G/2014/PN.Mtp terkait wanprestasi oleh bank dalam Take Over kredit serta untuk mendeskripsikan bentuk Perlindungan Hukum Terhadap Nasabah Dari Wanprestasi Bank Take Over Kredit. Pertimbangan Hakim dalam putusan Nomor 29/Pdt.G/2014/PN.Mtp terkait Bank dalam take over kredit terdapat ketidak adilan dimana hakim memenangkan tergugat wanprestasi dan menimbulkan kerugian bagi nasabahnya. Bentuk Perlindungan hukum yang dapat diberikan kepada nasabah perbankan ada dua yaitu preventif dan represif. Perlindungan hukum preventif bagi nasabah dari wanprestasi bank dalam take over kredit berdasarkan KUH Perdata, berdasarkan Undang-undang Perlindungan Konsumen, berdasarkan POJK Nomor: 1/POJK.07/2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan. Perlindungan hukum represif bagi nasabah dari wanprestasi bank dalam take over kredit yaitu dengan adanya sanksi penggantian rugi yang telah diatur di dalam Kitab Undang-undang Hukum Perdata, Peraturan Otoritas Jasa Keuangan Tentang Perlindungan Konsumen Sektor Jasa Keuangan dan juga di dalam Undang-undang Perlindungan Konsumen. Kata Kunci : Perlindungan Hukum, Nasabah, Bank, Take Over, Kredit ABSTRACT This research is aimed to analyse the basis of the Judge’s consideration over winning a defendant’s case in the Decision Number 29/Pdt.G/2014/PN>Mtp regarding the case of the breach of contract by the bank in credit takeover and to describe the form of legal protection for the client regarding the breach of contract by the bank. There seemed to be unfairness in the Decision Number 29/Pdt.G/2014/PN.Mtp made by the Judge, in which it is obvious that the Judge won the defendant’s case, causing loss for the client. Preventive and repressive legal protection could be provided for the client. The preventive legal protection given must be based on Civil Code, Law of Consumer Protection, Regulation of Financial Services Authority (POJK) Number: 1/POJK.07/2013 on Consumer Protection in Financial Services Sector, while the later can be provided by imposing sanction in which compensation should be provided as regulated in Civil Code, in Regulation of Financial Services Authority on Consumer Protection, in the Sector of Financial Services, and also in Law of Consumer Protection. Keywords: legal protection, bank client, takeover, credit ]]>
