Skripsi ini membahas mengenai bentuk tanggung jawab hukum penyelenggara kegiatan transfer dana ditinjau dari beberapa undang-undang yang terkait dengan kegiatan transfer dana, khususnya bagi undang-undang dan peraturan yang mengatur tentang tanggung jawab hukum penyelenggara kegiatan transfer dana. Undang-Undang yang mengatur mengenai tanggung jawab hukum penyelenggara kegiatan transfer dana adalah Undang-Undang Nomor 3 Tahun 2011 tentang Transfer Dana yang baru disahkan pada Maret 2011 yang lalu. Sebelumnya, tanggung jawab hukum ini diatur berdasarkan Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik. Di samping itu, masalah transfer dana ini juga diatur dalam Peraturan Bank Indonesia No. 10/6/PBI/2008 tentang Sistem Bank Indonesi Real Time Gross Settlement; dan Peraturan Bank Indonesia No. 12/5/PBI/2010 tentang Sistem Kliring Nasional Bank Indonesia, yang mengatur tentang kewajiban, hak dan tangung jawab Bank Indonesia dalam penyelenggara kegiatan transfer dana yang berlaku di Indonesia. Di Amerika Serikat, tanggung jawab hukum semacam ini diatur dalam Electronic Fund Transfer Act (15 USC 1693 et seq) dan Electronic Fund Transfer Act (15 USC 1601 note) dalam Title IX. Penelitian ini menggunakan metode penelitian yang berbentuk yuridis normatif dengan sifat eksplanatoris deskriptif. Hasil dari penelitian adalah terdapat perbedaan bentuk tanggung jawab hukum bagi penyelenggara kegiatan transfer dana yang dilihat berdasarkan Undang-Undang Transfer Dana, Undang-Undang Informasi dan Transaksi Elektronik, dan Electronic Fund Transfer Act (EFTA) yang berlaku di Amerika Serikat. Dalam Undang-Undang Informasi Transaksi Elektronik, bentuk tanggung jawab hukum bagi penyelenggara sistem elektronik dan transaksi elektronik adalah liability based on fault karena adanya kelalaian (negligence). Sedangkan bentuk tanggung jawab hukum penyelenggara kegiatan transfer dana dalam Undang-Undang Transfer Dana adalah tanggung jawab mutlak (absolute liability) tanpa dimungkinkan adanya pembelaan (defense) dari penyelenggara transfer dana. Pada sisi lain, bentuk tanggung jawab hukum yang diterapkan dalam Electronic Fund Transfer Act (EFTA) adalah tanggung jawab ketat (strict liability) dengan dimungkinkannya terdapat pembelaan (defense).
This thesis is discusses about the legal liability of the operator of fund transfer activities viewed from several rules related to transfer of funds, especially on the laws and regulations governing the legal responsibility of the operator of funds transfer activities. The Law regulating legal responsibility of the operators of fund transfer activities is the Law Number 3 Year 2011 regarding Transfer of Fund, that has been endorsed on last March 2011. Previously, this legal liability was governed by Law Number 11 Year 2008 on Information and Electronic Transactions. In addition, this fund transfer are also regulated by Bank Indonesia Regulation number 10/6/PBI/2008 about Indonesia Bank System Real Time Gross Settlement; and Bank Indonesia Regulation number 12/5/PBI/2010 about Bank Indonesia National Clearing System, which regulate the duty, right and responsibility of Bank Indonesia in implementation of fund transfer activities. In United State of America, these duty, right and responsibility have been regulated by the Electronic Fund Transfer Act (15 USC 1693 et seq) and Electronic Fund Transfer Act (15 USC 1601 note) in Title IX. This research used the form of juridical normative methode, with descriptive explanatory nature. The results of the study is that there are difference legal liability of the operators of the funds transfer activity viewed from The Law of Funds Transfer, The Law of Information and Electronic Transactions, and Electronic Fund Transfer Act (EFTA) which applies in the United States. In The Law of Information Electronic Transaction, the form of legal responsibility for the operators of the electronic systems and electronic transactions are based on fault liability due to negligence. While the legal responsibility of the operators of funds transfer activities in the The Law of Funds Transfer is absolute liability, without the possible defense of the operators. On the other side, the form of legal responsibility applied in the Electronic Fund Transfer Act (EFTA) is a strict liability with the possibility of defense. |
