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All Journal JHR (Jurnal Hukum Replik)
Burhanuddin, Sitti Khairunisa
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Law, Crime, Criminology & Criminal Justice

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Consumer Protection for Bank Customers in Standard Clause Agreements Burhanuddin, Sitti Khairunisa; Fuad, Fokky; Rohaya, Nizla; Machmud, Aris
Jurnal Hukum Replik Vol 12, No 2 (2024): JURNAL HUKUM REPLIK
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/jhr.v12i2.10756

Abstract

A standard agreement is a legally binding document containing pre-formulated clauses that govern the relationship between banks and their customers. Although regulated by the Consumer Protection Act No. 8 of 1999, such agreements can unilaterally place customers in vulnerable positions, necessitating legal safeguards to ensure customer security and prevent potential harm. This study employs an empirical legal research method, analyzing how laws are applied in society by focusing on public behavior through the distribution of questionnaires. Based on the collected data, customer rights are generally well-protected, as indicated by respondents' high level of trust in banking institutions to safeguard their funds. Furthermore, a low number of respondents reported experiencing losses due to standard agreement clauses, resulting in few complaints to banks, regulatory institutions, or authorities.Keywords: Consumer Protection, Standard Agreement, Banking
Co-Authors Fokky Fuad Machmud, Aris Rohaya, Nizla