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All Journal Cakrawala Hukum Jurnal Media Komunikasi Pendidikan Pancasila dan Kewarganegaraan Collegium Studiosum Journal Referendum Demokrasi: Jurnal Riset Ilmu Hukum, Sosial dan Politik WIKUACITYA: Jurnal Pengabdian Kepada Masyarakat
Aris Priyadi
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Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : referendum

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Analisis Hukum terhadap Kasus Penyalahgunaan Fungsi Perbankan: Studi Kasus dan Implikasinya bagi Perlindungan Konsumen di Indonesia Wiwin Muchtar Wiyono; Aris Priyadi; Ferryani Krisnawati
Referendum : Jurnal Hukum Perdata dan Pidana Vol. 3 No. 2 (2026): Juni : Referendum : Jurnal Hukum Perdata dan Pidana
Publisher : Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/referendum.v3i2.1932

Abstract

This study aims to analyze the forms of banking abuse, examine the legal accountability of perpetrators of banking abuse, and analyze its implications for consumer protection in Indonesia. The study uses a normative legal research method with a statute approach, a conceptual approach, and a case approach. The legal materials used consist of primary, secondary, and tertiary legal materials obtained through literature studies, then analyzed qualitatively using normative juridical analysis methods. The results of the study indicate that banking abuse generally occurs in the form of misuse of customer funds, misuse of personal data, violations of the prudential banking principle, abuse of authority by bank officials, and the provision of non-transparent information to consumers. Although Indonesia has various legal instruments regulating consumer protection in the banking sector, the implementation of legal protection still faces obstacles such as weak internal supervision, low legal and financial literacy among the public, and the increasing complexity of digital banking services. Therefore, it is necessary to strengthen the implementation of the prudential principle, good corporate governance, supervision by the Financial Services Authority (OJK), and improve the effectiveness of dispute resolution mechanisms to provide optimal legal protection to banking consumers.
Co-Authors Arif Awaludin, Arif Bing Waluyo Ferryani Krisnawati Kusumasari, Prosawita Ririh Suryati Suryati Teguh Anindito Teguh Anindito Teguh Anindito, Teguh Wiwin Muchtar M.Hum. S.H. Wiyono