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All Journal EkoBis ( Ekonomi & Bisnis ) Journal of Economics, Business, & Accountancy Ventura Journal of Consumer Science Jurnal Manajemen Teori dan Terapan MIX : Jurnal Ilmiah Manajemen Journal of Consumer Sciences Syntax Literate: Jurnal Ilmiah Indonesia Journal of Humanities and Social Studies International Journal of Economics Development Research (IJEDR) Jurnal Manajemen ASEAN Marketing Journal Media Riset Bisnis & Manajemen Journal of Economic, Business & Accounting Research IIJSE Journal of Entrepreneurial Economics Kemakmuran Hijau: Jurnal Ekonomi Pembangunan
Rizal Edy Halim
Faculty Of Economics And Business, Universitas Indonesia, Jakarta
Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Journal of Consumer Science

 1 
Consumer Protection in the Retail and Financial Services Sectors against the Practice of Exoneration Clauses Anggraini, Anna Maria Tri; Simanjuntak, Megawati; Safari, Arief; Halim, Rizal E.; Riyadi, Slamet
Journal of Consumer Sciences Vol. 7 No. 2 (2022): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.7.2.83-96

Abstract

The rapid development of the business world has resulted in several changes to business actors in carrying out their business activities. This encourages the emergence of standard agreements as practicality in conducting transactions. This study aims to analyze consumer protection law and apply the principles of freedom of contract in standard agreements in online and retail financial services businesses—the descriptive qualitative method with data collection techniques using in-depth interviews and documentation studies. Informants were selected by purposive sampling. The results show that standard clauses have been regulated in Article 18 of the Consumer Protection Law. However, in practice, clauses are still found that violate and transfer responsibility to the detriment of consumers. Furthermore, regarding consumer dispute resolution, there is an overlap issue between the Financial Services Authority (OJK) and the Consumer Dispute Resolution Agency (BPSK). Therefore, if viewed from the principle of freedom of contract, the standard agreement cannot fulfill the principle of freedom of contract, and consumer protection, so especially in the financial services sector and retail, needs to increase preventive and repressive supervision by providing several alternatives dispute resolutions for disadvantaged consumers.
Co-Authors Adi Zakaria Afiff Adiwijaya K. Ahamad Daromi Ahmadan Maulana Hermawan Andhari Shanty Kusmaharani Anggun Pratama Anna Maria Tri Anggraini Aprinuryanto, Naufal Afiqusholih Arief Wibisono Lubis Aroli, Muchammad Nur Mafazi Bheakanti Bias Btari Btari, Bheakanti Bias Efendi, Achmad Arif Rachmad Fauzan R. Hermawan, Ahmadan Maulana Imam Wahyudi Izzuddin Alghifari La Ode Muhammad Restu Prada M. Budi Prasetyo Megawati Simanjuntak Phillip Phillip Pratama, Anggun Rusli Fauzan Safari, Arief Safira, Fitri Yani Rossa Slamet Riyadi Sumiyarto Sumiyarto Triantara, Muhamad Ridwan Vaharani, Amanda Andriana Zea, Diva Akiela Fahlerie