PERLINDUNGAN HUKUM TERHADAP NASABAH LAKU PANDAI ATAS KERUGIAN AKIBAT PERBUATAN AGEN BRILINK

Authors

  • Agnes Cynthia Universitas Pembangunan Nasional Veteran Jakarta

DOI:

https://doi.org/10.21111/jicl.v6i2.11100

Abstract

Abstract Branchless Banking is a service created by bank to make it easier for people who use the bank to reach the bank for other financial needs. This is based on Financial Services Authority Regulation Number 19/POJK. 03/2014 concerning Officeless Financial Services in the Context of Financial Inclusion. With this regulation, Bank BRI opened a Branchless Banking service under the name BRILink, however, as the implementation of Branchless Banking BRILink progressed, many unscrupulous agents took advantage of opportunities that harmed customers financially. Article explains the legal protection for customer losses and legal responsibility of BRILink agents who commit criminal acts of embezzling BRILink customer money using normative juridical research methods. Article was written with the aim that the organizing banks must provide special protection to customers using Branchless Banking and strive to strictly monitor the activities of Branchless Banking Agents so that criminal acts that are detrimental to customers don't occur. Keywords: Branchless Banking; Bank; Customers; Agent.   Abstrak Laku Pandai merupakan layanan yang dibuat bank penyelenggara demi mempermudah khalayak yang menggunakan bank dapat menjangkau bank melakukan kepentingan finansial lainnya. Hal ini didasari dengan Peraturan Otoritas Jasa Keuangan (POJK) Nomor 19/POJK. 03/2014 mengenai Layanan Keuangan Tanpa Kantor Dalam Rangka Keuangan Inklusif. Dengan adanya regulasi tersebut, Bank BRI membuka layanan Laku Pandai dengan nama BRILink, namun seiring berjalannya pelaksanaan Laku Pandai BRILink, banyak oknum Agen BRILink yang memanfaatkan peluang yang akhirnya merugikan nasabah dalam segi finansial. Artikel ini menjelaskan tentang perlindungan hukum atas kerugian nasabah dan tanggung jawab hukum Agen BRILink yang melakukan tindak pidana penggelapan uang nasabah BRILink dengan metode penelitian yuridis normatif. Artikel ini dibuat dengan tujuan agar pihak Bank penyelenggara harus memberikan perlindungan yang khusus terhadap nasabah pengguna Laku Pandai serta berupaya untuk mengawasi jalannya kegiatan Agen Laku Pandai dengan tegas agar tidak terjadinya tindak pidana yang merugikan nasabah. Kata Kunci: Laku Pandai; Bank; Nasabah; Agen.

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Published

2024-01-22

How to Cite

Cynthia, A. (2024). PERLINDUNGAN HUKUM TERHADAP NASABAH LAKU PANDAI ATAS KERUGIAN AKIBAT PERBUATAN AGEN BRILINK. Journal of Indonesian Comparative of Syari’ah Law, 6(2), 205–218. https://doi.org/10.21111/jicl.v6i2.11100

Issue

Vol. 6 No. 2 (2023)

Section

Ilmu Hukum

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