Perlindungan nasabah atas pencantuman klausula baku yang dilarang oleh Undang-Undang Perlindungan Konsumen di dalam perjanjian pembukaan deposito : studi kasus putusan Badan Penyelesaian Sengketa Konsumen Kota Yogyakarta Nomor 15/Abs/BPSK-Yk/VIII/2009 = Consumer protection from standard clause inclusion that prohibited by Undang-Undang Perlindungan Konsumen in deposit opening agreement : case study judgement consumer dispute resolution Body Yogyakarta No. 15/Abs/BPSK-Yk/VIII/2009 / Christopher Hendrik Samuel Jouwena

Christopher Hendrik Samuel Jouwena, author

Perlindungan nasabah atas pencantuman klausula baku yang dilarang oleh Undang-Undang Perlindungan Konsumen di dalam perjanjian pembukaan deposito : studi kasus putusan Badan Penyelesaian Sengketa Konsumen Kota Yogyakarta Nomor 15/Abs/BPSK-Yk/VIII/2009 = Consumer protection from standard clause inclusion that prohibited by Undang-Undang Perlindungan Konsumen in deposit opening agreement : case study judgement consumer dispute resolution Body Yogyakarta No. 15/Abs/BPSK-Yk/VIII/2009 / Christopher Hendrik Samuel Jouwena

Christopher Hendrik Samuel Jouwena; Heri Tjandrasari, supervisor; Henny Marlyna, examiner; Wahyu Andrianto, examiner; Myra Rosana Budi Setiawan, examiner; Aad Rusyad Nurdin, examiner ([Publisher not identified] , 2015)

Abstrak

[ABSTRAK

Masyarakat sering memanfaatkan jasa perbankan maka banyak hubungan yang

terjadi antara masyarakat dan bank dengan perjanjian tertulis atau tidak tertulis.

Namun nasabah atau calon nasabah tidak selalu memperhatikan klausula di dalam

perjanjian tersebut telah ditetapkan terlebih dahulu oleh Bank. UUPK telah

mengatur larangan penggunaan klausula tertentu di dalam perjanjian nasabah dan

bank, tapi dalam prakteknya terdapat Bank yang mencantumkan klausula baku

seperti melepas tanggungjawab atas kerugian yang dialami nasabah saat sedang

atau setelah memanfaatkan jasa perbankan. Bank tidak bisa berlindung dengan

perjanjian baku yang telah dibuat sebelumnya apabila klausula perjanjian tersebut

mencantumkan hal-hal yang dilarang untuk dicantumkan oleh UUPK.

ABSTRACT

People often using banking services, therefore lots of relations happen between

individuals and banks, either in the form of written agreement or unwritten consent.

However, customers or prospects are not always aware of the contents in the agreement

whereas the clauses has already been provisioned by the bank. UUPK prohibits the usage

of such particular clause in the mentioned above agreement, in common practice, there

are banks that include prohibited clauses. One of the clause that is prohibited by UUPK

to be included in the bank-customer agreement is ?bank is not responsible for customer?s

loss while and/or after using the bank?s services?. In fact, Bank that cause loss to

customers has to be responsible for customer?s loss and can not protect itself using the

standard clauses that has been made before by the bank, if such clauses are prohibited by

UUPK to be included in the bank-customers agreement.;People often using banking services, therefore lots of relations happen between