Tanggung Jawab Bank terhadap Nasabah yang Mengalami Kerugian dalam Penggunaan Elektronik Banking

Selly Maulina (Magister Ilmu Hukum Universitas Syiah Kuala)
Dahlan Dahlan (Universitas Syiah Kuala)
Mujibussalim Mujibussalim (Universitas Syiah Kuala)

Kanun: Jurnal Ilmu Hukum
Vol 18, No 3 (2016): Vol. 18, No. 3, (Desember, 2016)

ABSTRAK. Perekonomian kuat membutuhkan lembaga keuangan yang aman untuk melakukan berbagai aktivitas keuangan. Salah satunya dengan menggunakan elektronik banking atau lebih dikenal dengan internet banking yaitu pelayanan jasa bank yang memungkinkan nasabah memperoleh informasi, melakukan komunikasi dan transaksi perbankan, dengan cepat, serta dapat dilakukan dimana saja dan kapan saja. Transaksi internet banking juga dapat menimbulkan beberapa risiko, pasal 1 ayat (2) Peraturan Bank Indonesia Nomor 5/8/PBI/2003 tentang Penerapan Managemen Risiko bagi Bank Umum, yang menyebutkan bahwa risiko adanya potensi terjadinya peristiwa yang dapat menimbulkan kerugian, seperti risiko yang dialami oleh nasabah PT. BNIS dan PT. BCA. Merujuk Peraturan Bank Indonesia Nomor 10/10PBI/2008 tentang Penyelesaian Pengaduan, nasabah yang mengalami kerugian dapat mengajukan pengaduan ke bank. Perlindungan nababah dari segi hukum belum ada aturan terinci tentang internet banking, maka pihak bank melakukan perjanjian standar yang dibuat oleh pihak bank, perjanjian tersebut lebih mengutamakan kewajiban daripada hak nasabah. Responsibility to Customers Who Experience Bank Losses in The Use of Electronic Banking ABSTRACT. The strong development economy requires a bank as a financial institution that is safe for undertaking various financial activities.The positive impact of developments on financial services is the use of e-bankingis also known as internet banking is the bank services that enable customers to obtain information, communicate and conduct banking transactions through the internet, quickly, can be done anywhere and anytime. Internet banking transactions can also pose some risk, Article 1, paragraph (2) of Bank Indonesia Regulation No. 5/8/PBI/2003 on the Application of Risk Management for Commercial Bank said that the risk is the potential for the occurrence of an event  that can cause harm. Risks experienced by customers of PT. BNIS and PT. BCA. According to the Bank Indonesia Regulation Number 10/10/PBI/2008 on the Settlement of customer complaints,customers who suffered the financial  losses can lodge a complaint by means of submitting a complaint to the bank. The protection from a legal perspective rule has no detail rules yet about internet banking so bank makes initiave on internet banking terms and condition.The agreement prioritize customer client obligations rather than rights.