ABSTRAK
Penulisan Tesis ini menggunakan metode penelitian hukum normatif dan kualitatifdeskriptif. Yang menjadi permasalahan adalah bagaimana kedudukan bank sebagaiagen penjual Reksa Dana; bagaimana hubungan antara bank dengan nasabahpembeli Reksa Dana serta pengaturan dan pengawasan yang dilakukan olehotoritas pengawas bank dan pasar modal; serta bagaimana perlindungan hukumterhadap konsumen pembeli Reksa Dana melalui bank? Untuk meningkatkan feebased income, Bank sebagai lembaga intermediasi selain mengembangkanpelayanan produk perbankan, bank juga mengembangkan pelayanan produk nonperbankan yang salah satunya adalah bank bertindak sebagai agen penjual ReksaDana. Reksa Dana sebagai bentuk investasi yang saat ini sedang bergairah, selainmemberikan tingkat keuntungan yang kompetitif, juga mengandung risikosehingga nasabah perlu memininalisir risiko dengan cara meminta informasi secaralengkap dan transparan kepada bank. Namun tidak dapat dipungkiri bahwa dalaminteraksi yang demikian intensif antara bank sebagai agen penjual Reksa Danadengan nasabah pembeli Reksa Dana, da pat menimbulkan sengketa. Untuk itumaka otoritas pengawas perbankan dan pasar modal telah mengeluarkan berbagaiketentuan terkait perlindungan nasabah bank dan mengawasi implementasiketentuan tersebut agar tercipta sistem perbankan yang sehat dan mampumelindungi kepentingan nasabah dengan baik. Perlindungan hukum yangditekankan dalam Tesis ini adalah perlindungan hukum secara implisit (implicitdeposit protection ) melalui pengetatan pengaturan dan pengawasan terhadap bankyang bertindak sebagai agen penjual Reksa Dana agar menerapkan prinsip kehatihatian(prudential banking principles) sehingga kepentingan nasabah dapatterlindungi. Terkait hal tersebut, maka bank perlu menginformasikan kepadanasabah antara lain mengenai manfaat, risiko dan biaya-biaya yang melekat padaproduk Reksa Dana serta pemberian sanksi yang lebih tegas terhadap bank yangtidak prudent terhadap ketentuan yang ada.
ABSTRACT
This Thesis is written by using normative and descriptive-qualitative legal researchmethods. Problems arise as objects in this Thesis are; how is the legal position ofbank as an agent of Mutual Fund; how is the relation between bank and customerof Mutual Fund; how banking regulations are regulated and how is the supervisionconducted by the banking and capital market authority; and how is the legalprotection prevailed for customer who purchase Mutual Fund from the bank. Toincrease its fee based income, bank as an intermediation institution besidesdeveloping its banking product services, also develop services for its non-bankingproducts such as providing services as agent of Mutual Fund. Mutual Fund, as aninvestment that is now booming, offers a very competitive profit, but also containshigh risks of which customer should be aware and minimize those risks by askingthe bank to provide complete and transparent information. However, it cannot beavoided that during intensive interaction between bank, as an agent or a seller ofMutual Fund, and customer, the dispute may arise. With regards to that, bankingand capital market authority have enacted various regulations that aim to protectcustomers and also supervise the implementation of such regulations in order tocreate a sound banking system so that would enable to protect customers. The legalprotection that is emphasized in this Thesis is the implicit deposit protectionthrough tightening regulations and supervision to the banks as agents of MutualFund in order to ensure their compliance of prudential banking principles so theprotection to customers could be established. In relation to that, ba nk needs toinform customer on, among others, the benefits, risks, and costs of Mutual Fund.Sanction will be given to banks which are not comply with the prevailedregulations |
