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"ABSTRAKSkripsi ini membahas mengenai peraturan yang ada mengenai cek dan bilyet giro serta bagaimana perlindungan hukum bagi nasabah yang dicantumkan namanya oleh Bank dalam Daftar Hitam Nasional sebagai penarik cek dan/atau bilyet giro kosong berdasarkan Peraturan Bank Indonesia dan peraturan lainnya yang mengatur tentang permasalahan tersebut. Bentuk dari penelitian hukum ini adalah penelitian hukum normatif. Dalam hasil penelitian ini menyarankan bahwa Bank Indonesia untuk membuat Surat Edaran Bank Indonesia yang lebih spesifik mengenai Rehabilitasi Identitas Pemilik Rekening yang dicantumkan dalam Daftar Hitam Nasional, dan untuk selanjutnya Bank Indonesia dapat memperbaiki Peraturan Bank Indonesia mengenai Daftar Hitam Nasional Penarik Cek dan/atau Bilyet Giro Kosong terutama mengenai Pengawasan Kepatuhan Bank, sehingga tidak ada lagi kesalahpahaman antara Bank dan nasabahnya dan nasabah mengerti mengenai prosedur penarikan cek dan/atau bilyet giro. Kata kunci:Perlindungan hukum, daftar hitam nasional, cek, bilyet giro, hukum perbankan.

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ABSTRACTThis thesis explains about the existing regulations concerning checks and bilyet giro and how the legal protection for customer whom registered by Bank in the National Blacklist as drawer of blank checks and or bilyet giro based on Bank Indonesia Regulations and other regulations which stipulates regarding those matters. This legal research is made in form of normative legal research. The results of this legal research suggest Bank Indonesia to make specific Circular Letter of Bank Indonesia regarding Rehabilitation of Account Owner whom listed in the National Blacklist, and for the long time purposes Bank Indonesia could revise the Bank Indonesia Regulation regarding National Blacklist Drawer of Blank Checks and or Bilyet Giro especially on Compliance Supervision of Bank, therefore, there is no misunderstanding between Bank and customer and customer have gained knowledge on the procedure to withdraw cek and or bilyet giro. Keywords Legal protection, national blacklist, checks, bilyet giro, banking law"

"Saat ini perkembangan teknologi dan Internet sangat pesat, semua hal menjadi lebih mudah. Salah satu sektor yang dipengaruhi oleh perkembangan teknologi informasi dan komunikasi adalah Perbankan, sebuah sub-sektor ekonomi yang memobilisasi dana publik. Dibalik kenyamanan yang diperoleh dari penggunaan Internet Banking, Ada juga risiko yang terdapat dalam penggunaan layanan ini, antara lain, banyak pelanggaran hukum mengenai data pribadi melalui Internet dan juga tentang risiko keuangan yang diderita oleh nasabah bank di penggunaan Internet Banking. Para penjahat IT menyebabkan industri perbankan harus menyiapkan fitur keamanan yang mampu menjaga tingkat kepercayaan publik bahwa transaksi elektronik tersebut aman. Kemudian hal ini menimbulkan sejumlah pertanyaan, yaitu bagaimana ketentuan dan undang-undang tentang Internet Banking di Indonesia, kemudian bagaimana Bank dapat bertanggung jawab dalam keamanan data dan informasi nasabah, dan bagaimana bank melindungi pelanggan ini ketika ada masalah saat menggunakan Internet Banking. Penelitian ini dilakukan dengan menggunakan metode penelitian normatif, dimana penelitian berbasis perpustakaan dilakukan dari bahan-bahan pada buku, jurnal, dan juga hukum dan peraturan, dan penelitian lapangan dengan melakukan wawancara pada pekerja Bank X. Dengan demikian terdapat berbagai bentuk perlindungan bagi pelanggan yang menggunakan layanan Internet Banking yang disediakan oleh bank, sedangkan dalam hal tanggung jawab bank sebagai penyedia layanan Internet Banking, pelanggan lebih meningkatkan kesadaran dan ketelitian dalam menggunakan layanan Internet Banking.

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At the present the development of technology and the Internet has been very rapid, everything has been made easier. One sector that is affected by the development of information and communication technology is Banking, an economic sub-sector that mobilizes public funds. Behind the convenience obtained from the use of Internet Banking, there are also risks that can be used in the use of this service, among others, many violations of law regarding personal data via the Internet and also regarding financial risks suffered by bank customers in the use of Internet Banking The IT criminals cause the Banking industry to be able to prepare security features that are able to maintain the level of public confidence that electronic transactions are safe. Then this raises a number of questions, namely how the provisions and laws regarding Internet Banking in Indonesia, how a Bank can be responsible in the security of customer data and information, and how banks protect these customers when there are problems when using Internet Banking.This research is conducted by utilizing the normative research method, in which library based research is conducted from the materials on the books, journal, and also laws and regulations, and field research by conducting interview on Bank X worker. Thus there are various forms of protection for customers using Internet Banking services provided by banks, while in terms of bank responsibility as an Internet Banking service provider, the customer is more increased awareness and thoroughness in using Internet Banking services."

"Analisis ini bertujuan untuk mengetahui bagaimana upaya mengurangi praktik penarikan Cek Kosong selain dari pendekatan penerapan sanksi, yaitu dengan mengoptimalkan pemenuhan kewajiban penyediaan dana oleh Penarik Cek. Optimalisasi pemenuhan kewajiban penyediaan dana oleh Penarik Cek dianalisis dari sumber dana yang dapat digunakan untuk keperluan tersebut. Analisis difokuskan pada peraturan yang berlaku, yaitu Kitab Undang-Undang Hukum Dagang (KUHD) dan Peraturan Bank Indonesia tentang Daftar Hitam Nasional (PBI DHN), serta melihat mekanisme sweep account yang telah cukup lama dipraktikan oleh perbankan. Melalui analisis ini diharapkan benar-benar dapat menjunjung karakteristik utama Cek, yaitu dapat dibayarkan pada saat diunjukkan (payable on demand), sehingga Pemegang Cek terlindungi dan kepercayaan masyarakat terhadap Cek sebagai suatu instrumen pembayaran selain uang tunai terus meningkat.

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This analysis aims to understand how to reduce insufficient fund of Check who drawn by drawer, that is with optimizing accomplishment of fund by a drawer. Optimizing accomplishment of fund by a drawer will be analyses from the drawer accounts on drawee that can be used to meet a demand. Analysis is focused on Indonesia Commercial Code (KUHD) and Bank Indonesia Regulation about National Blacklist of drawer who drawn of insufficient funds of Check (PBI DHN), also focused on sweep account mechanism which have been made by drawee. This analysis is expected that main characteristic of theCheck as an instrument that "payable on demand" really can be done until payee of the Check are protected and increasingly a society trusty to the Check as a payment instrument besides cash."

"[Perjanjian kerjasama tentang penanggungan utang ini merupakan dasar dari penjaminan pemberian kredit yang diberikan oleh Bank Rakyat Indonesia dan juga menjadi dasar bagi Perum Jaminan Kredit Indonesia agar dapat bertindak sebagai penanggung dalam penjaminan kredit yang diberikan oleh Bank rakyat Indonesia. Analisis ini akan dilakukan dengan menggunakan ketentuan penanggungan utangdalam Kitab Undang-Undang Hukum Perdata, dimana akan dilihat mengenai keberlakuan dari ketentuan penanggungan utang dalam perjanjian kerjasama penanggungan utang antara Bank Rakyat Indonesia dengan Perum Jaminan KreditIndonesia. Dalam Buku III KUHPerdata memiliki asas kebebasan berkontrak, dimana dengan adanya asas ini maka para pihak bebas menentukan isi dari perjanjian yangingin dibuatnya selama tidak bertentangan dengan hukum, kepatutan dan norma yang berlaku. Namun, tidak banyak yang mengetahui keberadaan perjanjian kerjasama penjaminan kredit sehingga tidak diketahui mengenai isi dari perjanjian tersebut telah sesuai atau tidak bertentangan dengan ketentuan dalam KUHPerdata dan Peraturan lain yang berlaku. Adapun terdapat perbedaan mendasar antara perjanjian kerjasama penanggungan utang dengan ketentuan dalam KUHPerdata yaitu pada pihak yangmenjadi penanggung hanya boleh Perusahaan Penjaminan yang telah membuat MoU dengan Kementerian Keuangan seperti Perum Jaminan Kredit Indonesia. Dengan demikian analisis ini diperlukan agar dapat menjadi acuan hukum bagi usaha-usaha yang hendak melakukan peminjaman kredit melalui penjaminan pemberian kredit, sehingga mereka mengetahui ketentuan yang berlaku.

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A cooperation agreement of debt guarantee is the basis of the guarantee credit granted by Bank Rakyat Indonesia and also the basis for Perum Jaminan kredit

Indonesia in order to act as a guarantor in a debt guarantee given by Bank Rakyat Indonesia. This analysis will be done using debt guarantee provisions in the

Indonesian Code of Civil Law, which will be seen on the enforceability of the debt guarantee provisions in the Indonesian Code of Civil Law in the agreement about the

guarantee of debt between Bank Rakyat Indonesia with Perum Jaminan Kredit Indonesia. In Book III of the Civil Code, which has the principle of freedom of contract, where the presence of this principle made the parties are free to determine the contents of the agreements as long as its content did not violate the law, propriety

and norms. However, not many are aware of the existence of credit guarantee cooperation agreement, which is the basis of guaranteed debt lending, is not known about the contents of the agreement and of course so many people does not know if the content of its agreement match with the provisions of the Civil Code and other applicable regulation. As there is a fundamental difference between debt guarantee agreement and debt guarantee provisions in the Indonesian Civil Code, which is the parties that allowed to be the guarantor are the Company that has made a MoU agreement with the Ministry of Finance such as Perum Jaminan Kredit Indonesia. Thus this analysis is required in order to become the legal reference for businesses that want to borrow credit through the provision of credit guarantees, so that they know the provisions in force.;A cooperation agreement of debt guarantee is the basis of the guarantee credit granted by Bank Rakyat Indonesia and also the basis for Perum Jaminan kredit Indonesia in order to act as a guarantor in a debt guarantee given by Bank Rakyat Indonesia. This analysis will be done using debt guarantee provisions in the Indonesian Code of Civil Law, which will be seen on the enforceability of the debt guarantee provisions in the Indonesian Code of Civil Law in the agreement about the guarantee of debt between Bank Rakyat Indonesia with Perum Jaminan Kredit Indonesia. In Book III of the Civil Code, which has the principle of freedom of contract, where the presence of this principle made the parties are free to determine the contents of the agreements as long as its content did not violate the law, propriety

and norms. However, not many are aware of the existence of credit guarantee cooperation agreement, which is the basis of guaranteed debt lending, is not known about the contents of the agreement and of course so many people does not know if the content of its agreement match with the provisions of the Civil Code and other applicable regulation. As there is a fundamental difference between debt guarantee agreement and debt guarantee provisions in the Indonesian Civil Code, which is the parties that allowed to be the guarantor are the Company that has made a MoU agreement with the Ministry of Finance such as Perum Jaminan Kredit Indonesia. Thus this analysis is required in order to become the legal reference for businesses that want to borrow credit through the provision of credit guarantees, so that they know the provisions in force., A cooperation agreement of debt guarantee is the basis of the guarantee credit

granted by Bank Rakyat Indonesia and also the basis for Perum Jaminan kredit

Indonesia in order to act as a guarantor in a debt guarantee given by Bank Rakyat

Indonesia. This analysis will be done using debt guarantee provisions in the

Indonesian Code of Civil Law, which will be seen on the enforceability of the debt

guarantee provisions in the Indonesian Code of Civil Law in the agreement about the

guarantee of debt between Bank Rakyat Indonesia with Perum Jaminan Kredit

Indonesia. In Book III of the Civil Code, which has the principle of freedom of

contract, where the presence of this principle made the parties are free to determine

the contents of the agreements as long as its content did not violate the law, propriety

and norms. However, not many are aware of the existence of credit guarantee

cooperation agreement, which is the basis of guaranteed debt lending, is not known

about the contents of the agreement and of course so many people does not know if

the content of its agreement match with the provisions of the Civil Code and other

applicable regulation. As there is a fundamental difference between debt guarantee

agreement and debt guarantee provisions in the Indonesian Civil Code, which is the

parties that allowed to be the guarantor are the Company that has made a MoU

agreement with the Ministry of Finance such as Perum Jaminan Kredit Indonesia.

Thus this analysis is required in order to become the legal reference for businesses

that want to borrow credit through the provision of credit guarantees, so that they

know the provisions in force.]"

"Safe Deposit Box merupakan salah satu jasa yang ditawarkan oleh banyak Bank di Indonesia, salah satunya di Bank Mandiri. Dalam perjanjian sewa Safe Deposit Box, pihak yang terkait adalah Bank dan Nasabah. Perjanjian tersebut berbentuk Perjanjian Standar dimana sudah berbentuk formulir dan berisi peraturan yang dimana Nasabah hanya memiliki pilihan untuk menerima atau menolak. Perjanjian Standar tersebut seringkali menjadi permasalahan karena seringnya isi perjanjian tersebut lebih menguntungkan pihak pembuatnya yaitu pihak Bank, seperti pencantuman Klausa Eksonerasi yang dapat melepas tanggung jawab hukum pihak pembuat perjanjian. Oleh karena itu, Undang Undang No. 8 Tahun 1999 Tentang Perlindungan Konsumen menjadi perlindungan hukum bagi Nasabah karena membatasi hal tersebut agar Nasabah tidak dirugikan. Dan karena perjanjian adalah menjadi undang-undang bagi pihak-pihaknya, maka perjanjian tersebut tidak hanya dapat menjadi perlindungan hukum bagi Nasabah, tetapi dapat pula menjadi perlindungan hukum bagi Bank.

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Safe Deposit Box is one of the services offered by many banks in Indonesia, one of which is at Bank Mandiri. In the Safe Deposit Box rental agreement, the relevant parties are the Bank and the Customer. The agreement is in the form of a Standard Agreement which is in the form of a form and contains rules which the Customer only has the choice to accept or reject. The Standard Agreement is often a problem because often the contents of the agreement are more beneficial to the maker, namely the Bank, such as the inclusion of an Exoneration Clause that can release the legal responsibilities of the party making the agreement. Therefore, Law No. 8 of 1999 concerning Consumer Protection becomes legal protection for the Customer because it limits it so that the Customer is not disadvantaged. And because the agreement is a law for the parties, the agreement can not only be a legal protection for the Customer, but can also be a legal protection for the Bank."

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Perbankan merupakan sektor yang memiliki peran sangat vital, sebagai lembaga intermediasi industri perbankan mempunyai sifat khusus yang tidak dimiliki oleh sektor jasa keuangan lain. Industri perbankan sebagai penggerak dan jantung dalam suatu perekonomian negara. Saat ini, bank digital tengah berlomba-lomba menawarkan suku bunga simpanan tinggi hingga 10%, untuk menarik minat masyarakat. Hal tersebut berpotensi memiliki risiko yang merugikan bagi para nasabahnya. Dari hasil penelitian ini, perlu menjadi perhatian penting bagi para nasabah karena apabila suku bunga simpanan yang diperjanjikan antara bank dengan nasabah penyimpan melebihi tingkat bunga penjaminan simpanan, maka simpanan nasabah tersebut tidak akan dijamin. Lembaga Penjamin Simpanan pada dasarnya hanya akan menjamin pembayaran simpanan nasabah tersebut hingga Rp2.000.000.000,00 (dua miliar rupiah). Proses penyelesaian sengketa nasabah dalam mengajukan ganti rugi jika mengalami kerugian dapat ditempuh secara non-litigasi dan litigasi. Secara non-litigasi dengan mengajukan permohonan penyelesaian sengketa ke Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan (LAPS SJK), sedangkan dengan cara litigasi dengan mengajukan proses penyelesaian sengketa di pengadilan, dimana semua pihak yang bersengketa saling berhadapan satu sama lain untuk mempertahankan hak-haknya di muka pengadilan. Dalam menyelenggarakan dan menawarkan produk dan/layanan digital, Bank Digital wajib memperhatikan risiko-risiko yang ada dan keamanannya guna memenuhi ketentuan pelindungan hukum nasabah. Bank Digital harus dapat memenuhi dan mematuhi prosedur pelaksanaan, yaitu prinsip kepercayaan (fiduciary principle),prinsip kerahasiaan (confidential principle), dan prinsip kehati-hatian (prudential principle), dan prinsip mengenal nasabah. Keempat prinsip tersebut harus ditunjukkan dalam menjalankan kebijakan maupun teknis perbankan.

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Banking is a sector that has a very vital role, as an intermediary institution the banking industry has special characteristics that are not shared by other financial services sectors. The banking industry is the driving force and heart of a country's economy. Currently, digital banks are competing to offer high deposit rates of up to 10%, to attract public interest. This has the potential to have detrimental risks for its customers. From the results of this study, it should be an important concern for customers because if the deposit interest rate agreed between the bank and the depositor exceeds the deposit guarantee interest rate, the customer's deposit will not be guaranteed. The Indonesia Deposit Insurance Corporation will basically only guarantee the payment of customer deposits up to Rp2,000,000,000.00 (two billion rupiah). The process of resolving customer disputes in applying for compensation if they experience losses can be pursued in non-litigation and litigation. Non-litigation by submitting a dispute resolution application to the Alternative Dispute Resolution Institution for Financial Services Sector (LAPS SJK), while by litigation by submitting a dispute resolution process in court, where all parties to the dispute face each other to defend their rights before the court. In organizing and offering digital products and services, Digital Banks must pay attention to the existing risks and security in order to fulfill the provisions of customer legal protection. The Digital Bank must be able to fulfill and comply with the implementation procedures, namely fiduciary principle, confidential principle, prudential principle, and know your customer principle. These four principles must be demonstrated in carrying out banking policies and techniques.

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"ABSTRAKTransaksi derivatif di Indonesia cukup berkembang sejalan dengan peningkatan kegiatan usaha yang mengandung risiko nilai tukar mata uang asing, risiko suku bunga, risikofluktuasi harga saham atau risiko fluktuasi harga komoditas. Transaksi derivatif memiliki sisi positif yaitu berpihak pada. Namun di sisi lain, ada risiko kerugian juga cukup tinggi. Oleh karena itu, skripsi ini mengkaji perlindungan bagi nasabah dan bank dalam transaksi derivatif, dalam bentukpenelitian yuridis normatif, dengan metode penelitian kepustakaan dengan menggunakan data sekunder. Transaksi derivatif diatur dalam Peraturan Bank Indonesia Nomor: 31/7 / PBI / 2005 tentang Transaksi Derivatif jo. Peraturan Bank Indonesia Nomor: 10/38 / PBI / 2008 tentang Perubahan Atas Peraturan Bank Indonesia Nomor 7/31 / PBI / 2005 tentang Transaksi Derivatif. Pada tahun 2008, ketika terjadi krisis ekonomi, Ada banyak masalah yang muncul terkait dengan transaksi derivatif. Menjadi sebuah pertanyaannya adalah bagaimana melindungi nasabah dan bank sebagai pelakutransaksi derivatif. Salah satu pihak yang bersengketa adalah PT. Industri Toba Surimi melawan HSBC. Sengketa ini menekankan pentingnya transaksi derivatif sebagai kontrak. Kontrak merupakan salah satu pengaman bagi pelaku transaksi derivatif. Prinsip kontrak penting dalam perjanjian derivatif. Beberapa regulasi yang mewadahi perlindungan bagi nasabah dan bank dalam bertransaksi derivatif, termasuk Ketentuan Bank Indonesia tentang Perubahan Ketentuan.Bank Indonesia Nomor 7/31 / PBI / 2005 tentang Transaksi Derivatif. Jumlah: 10/38 / PBI / 2008, POJK tentang Penerapan Manajemen Risiko Bagi Bank Umum Nomor, POJK No.18 /POJK.03/2016, dan Peraturan Otoritas Jasa Keuangan No.7/POJK.03/2016 tentang Prinsip Kehati-hatian dalam Melaksanakan Kegiatan Produk Terstruktur untuk Bank Umum. Menurut pembahasan penulis, pertimbangan hakim terhadap putusan sengketa PT. Coba dengan HSBC harus tetap berpegang pada persetujuan. Sehingga meski regulasi sudah berubah, itu karena prinsip kontrak, kemudian menjadi aturan yang mengikat bagi para pihak dan harus tetap dilakukan selama tidak melanggar hukum.

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ABSTRACTDerivative transactions in Indonesia have developed sufficiently in line with the increase in business activities that carry foreign exchange rate risk, interest rate risk, and riskstock price fluctuation or the risk of commodity price fluctuation. Derivative transactions have a positive side, namely in favor of. But on the other hand, there is also a high risk of loss. Therefore, this thesis examines the protection for customers and banks in derivative transactions, in the form of normative juridical research, with the library research method using secondary data. Derivative transactions are regulated in Bank Indonesia Regulation Number: 31/7 / PBI / 2005 concerning Derivative Transactions jo. Bank Indonesia Regulation Number 10/38 / PBI / 2008 concerning Amendments to Bank Indonesia Regulation Number 7/31 / PBI / 2005 concerning Derivative Transactions. In 2008, when there was an economic crisis, there were many problems related to derivative transactions. The question is how to protect customers and banks as actors derivative transactions. One of the disputing parties is PT. The Toba Surimi Industry against HSBC. This dispute emphasizes the importance of derivative transactions as contracts. Contracts are one of the safeguards for derivative transaction actors. Important contract principles in derivative agreements. Several regulations provide protection for customers and banks in derivative transactions, including Bank Indonesia Regulations concerning Amendments to Terms. Bank Indonesia Number 7/31 / PBI / 2005 concerning Derivative Transactions. Total: 10/38 / PBI / 2008, POJK concerning Implementation of Risk Management for Commercial Banks Number, POJK No.18 /POJK.03/2016, and Financial Services Authority Regulation No.7 /POJK.03/2016 concerning Prudential Principles in Implementing Structured Product Activities for Commercial Banks. According to the author's discussion, the judge's consideration of the PT. Try with HSBC must stick to the approval. So even though the regulations have changed, it is because of the principle of the contract, then it becomes a binding rule for the parties and must be carried out as long as it does not violate the law."

"Girik sebagai jaminan pada Bank untuk memperbesar kegiatan usaha adalah salah satu pilihan dalam usaha peningkatan modal. Namun pada kenyataannya tidak semua Bank mau menerima tanah mereka yang masih berstatus Girik tersebut sebagai jaminan. Pertimbangan pihak Bank adalah tidak memiliki hak preferensi atas tanah. Oleh karena itu perlunya kajian untuk properti yang masih belum berstatus hak dengan tujuan jaminan kredit yang preferen. Dimana properti yang dijadikan agunan tersebut harus memiliki kualifikasi legalitas yang jelas, haknya dapat dipindah tangankan atau dibebani hak tanggungan. Kurang atau minimnya bukti kepemilikan atas tanah menjadi salah satu penyebab dari minimnya proses pendaftaran hak atas tanah. Hal lain yang menjadi penyebab yakni juga minimnya pengetahuan masyarakat akan arti pentingnya bukti kepemilikan hak atas tanah. Untuk proses pembuatan sertipikat maka mereka harus memiliki surat-surat kelengkapan untuk tanah yang mereka miliki, akan tetapi pada kenyataannya tanah-tanah yang dimiliki masyarakat pedesaan atau masyarakat adat itu dimiliki secara turun temurun dari nenek moyang mereka, sehingga surat kepemilikan tanah yang mereka miliki sangat minim bahkan ada yang tidak memiliki sama sekali.Untuk tanah yang memiliki surat minim itu biasanya berupa Letter C. Letter C ini diperoleh dari kantor desa dimana tanah itu berada. Letter C ini merupakan tanda bukti berupa catatan yang berada di Kantor Desa atau Kelurahan. Banyak yang belum mengerti apa yang dimaksud dengan buku Letter C, karena didalam literatur ataupun Perundang-undangan mengenai pertanahan sangat jarang dibahas atau dikemukakan. Tanah Girik bukan merupakan bentuk kepemilikan hak sesuai dengan UUPA, melainkan hanya berupa bukti pembayaran pajak saja. Namun demikian, Petuk Pajak Bumi/ Landrente, Girik, Pipil, Kekitir dan Verponding Indonesia ini adalah salah satu alat bukti tertulis yang dapat didaftarkan sesuai dengan PP No. 24 Tahun 1997 tentang Pendaftaran Tanah. Pensertipikatan hak atas tanah ini lah menjadi salah satu penunjang perbaikan investasi untuk meningkatkan pertumbuhan ekonomi Indonesia dan percepatan pembangunan sektor riil serta pemberdayaan usaha mikro kecil dan menengah.

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The use of Girik, i.e. former land tax registry, as collateral for banking loans to augment business activities should be an eligible option for working capital increase. However, in the field, not all banking institutions are available to accept Girik secured land as collateral. They are of opinion that under such temporary land title deed banks have no preference rights over the secured parcels. In light of that, it is deemed necessary to review properties without permanent ownership titles to be bankable to access banking facilities. These properties to be secured as collateral must have clear legality quality. Their inherent rights must be assignable. They must reserve security rights. Lack of and minimum evidence has been the grave contributing factor for the relatively low land title registration. Another factor concerns inadequate awareness of the land owners about the significance of possessing land title certificates to corroborate the ownership of their lands. To acquire land certificates they must furnish evidence supporting their land ownership. The problem is that the lands owned by villagers or traditional communities are descended from their ancestors. The current owners have lack of land title evidence; even some of them have no any proof. For these inadequately secured lands, the owners just keep the so-called Letter C certificates. This kind of certificate is issued by village office, where the land locates. Letter C certificate confirms that a parcel of land has been registered in Village Office or Kelurahan Office in case of city. Letter C is relatively unfamiliar among many people. It is rarely discussed or prescribed in agrarian literatures or laws. Girik certificate is not proprietary right as pointed out in Basic Agrarian Law (UUPA). It only indicates tax payment receipt. Nevertheless, there are other [less formal] land certificates of Petuk Pajak Bumi/ Landrente, Girik, Pipil, Kekitir and Verponding Indonesia that can serve as written evidence for land registration as provided for in Government Regulation (PP) No. 24 of 1997 concerning Land Registration. Land title certification is a way to bolster investments in order to boost national economic growth and accelerate real sector development on top of micro, small and medium scale enterprise empowerment."

"One of business activities bank is fund raising of the community and the distribution of funds (fund lending) to the public. Contractual relationship between banks and depositors based on the principle of trust (fiduciary principle) and the principle of confidentiality (confidential principle). But this time there is misuse of customer data provided to other parties without the consent of customers.

In line with that issue, this research analyses how regulations on confidentiality and security of customer data bank which is bank secrecy. In addition, its explores how the efforts of the financial services authority to protect the customers of the bank customer data abuse. Based on a legal analysis, this research argues that Banks and affiliated party are bound to apply the principle of confidentiality provisions to maintain customer confidence. Furthermore, the research urges that financial services authority providing strict sanctions for those who violate the provisions of confidentiality and security of customer data.

This study concludes that the confidentiality and security of customer data has been established in the banking law that must be obeyed by the Bank and its affiliates, but still pose some different interpretations because not regulate in detail the type of customer data that must be kept secret. Financial Services Authority has made arrangements related to consumer protection, among others regulate the confidentiality of customer data and any data that must be kept confidential.

This research recommended that bank secrecy provisions in banking laws need to be changed by setting clearer and detail associated with any kind of data that must be kept secret and the regulation of financial services authority must contain firm and clear sanctions against those who breach the confidentiality of customer data.

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Salah satu kegiatan usaha bank adalah penghimpunan dana dari masyarakat dan penyaluran dana kepada masyarakat. Hubungan kontraktual antara bank dan deposan berdasarkan prinsip kepercayaan (fidusia prinsip) dan prinsip kerahasiaan (prinsip rahasia). Namun demikian saat ini terdapat penyalahgunaan data nasabah yang diberikan kepada pihak lain tanpa persetujuan dari nasabah yang bersangkutan.Penelitian ini menganalisis bagaimana pengaturan tentang kerahasiaan dan keamanan data nasabah bank yang merupakan rahasia bank. Selain itu, mengeksplorasi bagaimana upaya Otoritas Jasa Keuangan untuk melindungi nasabah bank dari penyalahgunaan data tersebut. Berdasarkan analisis hukum, penelitian ini berpendapat bahwa Bank dan pihak terafiliasi terikat untuk menerapkan prinsip ketentuan kerahasiaan untuk menjaga kepercayaan nasabah. Selanjutnya, penelitian ini menekankan agar Otoritas Jasa Keuangan memberikan sanksi yang tegas bagi mereka yang melanggar ketentuan kerahasiaan dan keamanan data nasabah.Penelitian ini menyimpulkan bahwa Kerahasiaan dan keamanan data nasabah telah ditetapkan dalam undang-undang perbankan yang harus dipatuhi oleh pihak Bank dan afiliasinya namun masih menimbulkan beberapa interpretasi yang berbeda karena belum mengatur secara rinci jenis data nasabah yang harus dirahasiakan. Otoritas Jasa Keuangan telah membuat pengaturan yang terkait dengan perlindungan konsumen, antara lain mengatur kerahasiaan data nasabah dan jenis data yang harus dirahasiakan.Penelitian ini merekomendasikan bahwa ketentuan kerahasiaan bank dalam undang-undang perbankan perlu diubah dengan menetapkan lebih jelas dan rinci terkait dengan jenis data yang harus dirahasiakan dan peraturan otoritas jasa keuangan harus memuat sanksi yang tegas dan jelas terhadap mereka yang melanggar kerahasiaan data nasabah."

"ABSTRACTSkripsi ini membahas mengenai peran pengaturan Bank Indonesia dalam perlindungan konsumen pengguna jasa sistem pembayaran uang elektronik atau yang kerap disebut e-money. Satu produk uang elektronik yang dijadikan fokus dari penilitian yaitu Go-Pay milik PT Dompet Anak Bangsa milik PT Aplikasi Karya Anak Bangsa alias Go-Jek. Pokok permasalahan yang dibahas adalah bagaimana Bank Indonesia mengatur perlindungan konsumen bagi para pengguna jasa uang elektornik di Indonesia dan bagaimana implementasi dari pengaturan perlindungan konsumen tersebut dalam penyelenggaraan Go-Pay. Metode penelitian yang digunakan dalam penulisan karya ilmiah ini adalah penelitian yuridis normatif. Data yang digunakan yaitu data sekunder dengan wawancara sebagai pendukung. Pada prakteknya, penyelenggaraan uang elektronik sering mengalami beberapa masalah seperti misalnya gagal bayar, gagal, penipuan dan kurangnya keamanan informasi teknologi. Implementasi pengaturan perlindungan konsumen oleh Bank Indonesia dapat dilihat dari dibentuknya Peraturan Bank Indonesia Nomor 16/1/PBI/2014 tentang Perlindungan Konsumen Jasa Sistem Pembayaran dan dan Surat Edaran Bank Indonesia No. 16/16.DKSP perihal Tata Cara Pelaksanaan Perlindungan Konsumen Jasa Sistem Pembayaran. Kedua peraturan ini telah terlaksana di dalam syarat dan ketentuan perusahaan Go-Pay dan penyyelesaian pengaduan di Bank Indonesia. Bank Indonesia juga melakukan pengawasan terhadap penyelenggara uang elektronik termasuk Go-Pay. Selain itu, Bank Indonesia juga memberikan edukasi, sosialisasi dan fasilitasi bagi para pengguna jasa uang elektronik yang melakukan pengaduan ke Bank Indonesia.

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ABSTRACTThis research thesis discusses Bank Indonesia regulation on consumer protection on electronic money or also known as e-money as one of the payment system instruments that is currently growing rapidly in Indonesia. An electronic money product that is used as the focus of the research is Go-Pay which is owned by PT Dompet Anak Bangsa owned by PT Karya Anak Bangsa, also known as Go-Jek. The main issues discussed are related to Bank Indonesia regulation on consumer protection for electronic money services users in Indonesia and the implementation of the consumer protection regulation in the operation of Go-Pay. The research method used is normative juridical. The data used is secondary data with the support of interview. In practice, the operation of electronic money often experiences several problems such as payment failure, top-up failure, fraud and the lack of security in technology systems. The implementation of Bank Indonesia regulation can be seen from the issuance of Bank Indonesia Regulation Number 16/1/PBI/2014 on Consumer Protection for Payment System Services and Bank Indonesia Circular Letter Number 16/16.DKSP concerning the Procedures of Implementation of Consumer Protection for Payment System Services. Both of these regulations has been implemented within the Go-Pay terms and condition Bank Indonesia complaint settlements. Bank Indonesia also conduct the onsite and offsite supervision towards the operation of Go-Pay and provides education, socialization and facilitation for electronic money users who submit their complaints to Bank Indonesia."