<![CDATA[Abstrak Perlindungan hukum terhadap nasabah dalam sistem perbankan memiliki peranan penting untuk menjaga kepercayaan publik dan stabilitas keuangan nasional, terutama ketika terjadi likuidasi bank. Penelitian ini bertujuan menganalisis kerangka hukum perlindungan nasabah, mengidentifikasi kendala dalam implementasinya, serta merumuskan strategi untuk memperkuat posisi hukum nasabah. Metode yang digunakan adalah pendekatan yuridis normatif dengan menelaah peraturan perundang-undangan, literatur hukum, serta data sekunder terkait. Hasil penelitian menunjukkan bahwa meskipun telah diatur dalam Undang-Undang No. 10 Tahun 1998 tentang Perbankan dan Undang-Undang No. 24 Tahun 2004 tentang Lembaga Penjamin Simpanan (LPS), mekanisme perlindungan hukum masih menghadapi hambatan. Kendala yang muncul antara lain rendahnya literasi hukum nasabah, keterbatasan akses terhadap informasi likuidasi, ketidaktepatan data nasabah, serta lambannya proses verifikasi oleh lembaga terkait. Selain itu, kedudukan nasabah sebagai kreditur konkuren memperlemah kepastian hukum dalam pemenuhan hak simpanannya. Oleh karena itu, diperlukan langkah strategis melalui penguatan regulasi, peningkatan transparansi proses likuidasi, advokasi hukum yang berkelanjutan, serta sinergi antarotoritas perbankan dan lembaga penjamin simpanan. Upaya tersebut diharapkan mampu mewujudkan perlindungan hukum yang efektif, adil, dan berkeadilan bagi nasabah. Kata Kunci: Perlindungan hukum; likuidasi bank; Lembaga Penjamin Simpanan. Abstract Legal protection for customers in the banking system plays a crucial role in maintaining public trust and ensuring national financial stability, particularly in cases of bank liquidation. This study aims to analyze the legal framework governing customer protection, identify obstacles in its implementation, and formulate strategic efforts to strengthen customers’ legal standing. The research employs a normative juridical approach through the study of legislation, legal literature, and relevant secondary data. The findings indicate that although legal protection has been regulated under Law No. 10 of 1998 concerning Banking and Law No. 24 of 2004 concerning the Deposit Insurance Corporation (LPS), its implementation still encounters challenges. These include customers’ low legal literacy, limited access to liquidation information, inaccurate customer data, and delays in the verification process by related institutions. Moreover, the status of customers as concurrent creditors weakens the certainty of their rights’ fulfillment. Therefore, strategic measures are required, including regulatory strengthening, enhanced transparency in the liquidation process, continuous legal advocacy, and improved synergy among banking authorities and the deposit insurance institution. Such efforts are expected to realize more effective, fair, and equitable legal protection for customers. Keywords: Legal protection; bank liquidation; Deposit Insurance Corporation.]]>
