Perlindungan konsumen nasabah PT Pegadaian (Persero) atas klausula baku kredit gadai KCA (kredit cepat aman) dalam peraturan otoritas jasa keuangan Nomor 1/PJOK. 07/2013 tentang perlindungan konsumen = customers protection consumer PT Pegadaian (Persero) for KCA standard clause (fast secured loans) in the regulation of the financial services authority no. 1 /POJK.07/2013 on protection of consumer financial services sector
Muntia Andhi Nutrilon;
Inosentius Samsul, supervisor; Ratih Lestarini, examiner; Sitompul, Zulkarnain, examiner
([, Universitas Indonesia], 2014)
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[ABSTRAK Munculnya Peraturan Otoritas Jasa Keuangan memberi pengaruh pada penerapanperlindungan konsumen di sektor jasa keuangan khususnya pergadaian yang salah satunyaadalah PT. Pegadaian (Persero). Sebagai ilustrasi tentang adanya permasalahan mengenaipemberlakuan larangan klausula baku adalah dengan adanya kasus sengketa PT Pegadaian(Persero) dengan Martha Sitorus dan Imelda Marina Sibuea merupakan salah satu korban dariketidakpahaman mengenai perjanjian baku yang telah disetujuinya di dalam Surat BuktiKredit, Barang jaminan nasabah tersebut dilelang oleh PT Pegadaian (Persero) tanpasepengetahuan nasabah pemilik barang jaminan. Dari kasus tersebut dapat dilihat bahwaakses informasi tidak didapatkan oleh nasabah Pegadaian. Dengan dikeluarkannya PeraturanOtoritas Jasa Keuangan yang mengatur tentang perlindungan Konsumen Sektor JasaKeuangan, jika kemudian hari terjadi kasus seperti itu maka banyak pembaharuanpembaharuanyang harus dilaksanakan oleh Pelaku Usaha termasuk didalamnya usaha Gadaiyang dilaksanakan oleh PT. Pegadaian (Persero) untuk menjamin pelaksanaan perlindungankonsumen/nasabah. Diantaranya pelaku usaha diwajibkan untuk menyelenggarakan edukasidalam rangka meningkatkan literasi keuangan, melaksanakan mekanisme pelayanan danpenyelesaian pengaduan bagi konsumen yang sebelumnya dilaksanakan oleh BPSK (BadanPenyelesaian Sengketa Konsumen) selanjutnya dapat ditangani oleh LAPS (LembagaAlternatif Penyelesaian Sengketa), dan mewajibkan pelaku usaha untuk memiliki unit kerjayang berfungsi untuk menangani pengaduan yang diajukan konsumen ABSTRACT The emergence of the Financial Services Regulatory Authority to give effect to the application of consumerprotection in the financial services sector in particular mortgages, one of which is PT. Pegadaian (Persero). Asan illustration of the problem of the existence of the ban is a standard clause in cases of dispute PT Pegadaian(Persero) with Martha Sitorus and Imelda Sibuea Marina is one of the victims of misunderstanding about thestandard contract that has been approved in the Proof of credit, guarantees the customer's goods auctioned PTPegadaian (Persero) without the knowledge of the owner of customer collateral. From these cases it can be seenthat access to information is not obtained by the customer Pawn. With the enactment of the Financial ServicesAuthority which regulates the protection of Consumer Financial Services Sector, if later on in cases like thatthen a lot of the reforms that must be implemented by business actors including Pawn effort undertaken by PT.Pegadaian (Persero) to ensure the implementation of the protection of the consumer / customer. Among businessoperators are required to hold in order to improve the education of financial literacy, implementing mechanismsand resolution service for consumers who previously carried out by the BPSK (Consumer Dispute SettlementBody) can be addressed by LAPS (Alternative Dispute Resolution Institute), and requires businesses to havework units that serve to handle consumer complaints filed;The emergence of the Financial Services Regulatory Authority to give effect to the application of consumerprotection in the financial services sector in particular mortgages, one of which is PT. Pegadaian (Persero). Asan illustration of the problem of the existence of the ban is a standard clause in cases of dispute PT Pegadaian(Persero) with Martha Sitorus and Imelda Sibuea Marina is one of the victims of misunderstanding about thestandard contract that has been approved in the Proof of credit, guarantees the customer's goods auctioned PTPegadaian (Persero) without the knowledge of the owner of customer collateral. From these cases it can be seenthat access to information is not obtained by the customer Pawn. With the enactment of the Financial ServicesAuthority which regulates the protection of Consumer Financial Services Sector, if later on in cases like thatthen a lot of the reforms that must be implemented by business actors including Pawn effort undertaken by PT.Pegadaian (Persero) to ensure the implementation of the protection of the consumer / customer. Among businessoperators are required to hold in order to improve the education of financial literacy, implementing mechanismsand resolution service for consumers who previously carried out by the BPSK (Consumer Dispute SettlementBody) can be addressed by LAPS (Alternative Dispute Resolution Institute), and requires businesses to havework units that serve to handle consumer complaints filed, The emergence of the Financial Services Regulatory Authority to give effect to the application of consumerprotection in the financial services sector in particular mortgages, one of which is PT. Pegadaian (Persero). Asan illustration of the problem of the existence of the ban is a standard clause in cases of dispute PT Pegadaian(Persero) with Martha Sitorus and Imelda Sibuea Marina is one of the victims of misunderstanding about thestandard contract that has been approved in the Proof of credit, guarantees the customer's goods auctioned PTPegadaian (Persero) without the knowledge of the owner of customer collateral. From these cases it can be seenthat access to information is not obtained by the customer Pawn. With the enactment of the Financial ServicesAuthority which regulates the protection of Consumer Financial Services Sector, if later on in cases like thatthen a lot of the reforms that must be implemented by business actors including Pawn effort undertaken by PT.Pegadaian (Persero) to ensure the implementation of the protection of the consumer / customer. Among businessoperators are required to hold in order to improve the education of financial literacy, implementing mechanismsand resolution service for consumers who previously carried out by the BPSK (Consumer Dispute SettlementBody) can be addressed by LAPS (Alternative Dispute Resolution Institute), and requires businesses to havework units that serve to handle consumer complaints filed] |
 T42555-Muntia Andhi Nutrilon.pdf :: Unduh
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| No. Panggil : | T42555 |
| Entri utama-Nama orang : | |
| Entri tambahan-Nama orang : | |
| Entri tambahan-Nama badan : | |
| Subjek : | |
| Penerbitan : | [Place of publication not identified]: [, Universitas Indonesia], 2014 |
| Program Studi : |
| Bahasa : | ind |
| Sumber Pengatalogan : | LibUI ind rda |
| Tipe Konten : | text |
| Tipe Media : | unmediated ; computer |
| Tipe Carrier : | volume ; online resource |
| Deskripsi Fisik : | viii, 113 pages : illustration ; 28 cm |
| Naskah Ringkas : | |
| Lembaga Pemilik : | Universitas Indonesia |
| Lokasi : | Perpustakaan UI, Lantai 3 |
| No. Panggil | No. Barkod | Ketersediaan |
|---|---|---|
| T42555 | 15-18-959345953 | TERSEDIA |
| Ulasan: |
| Tidak ada ulasan pada koleksi ini: 20389097 |
