Tanggung Jawab Hukum Perbankan Terhadap Nasabah Kartu Kredit Macet Akibat Kurang Menerapkan Prinsip Kehati-Hatian Dalam Penerbitan Kartu Kepada Nasabah

Abstract

The application of the principle of customer protection against bad credit cards due to not applying the precautionary principle causes financial losses to customers so that there is a need for legal rules to protect customers in the event of a bad credit dispute. The author uses a descriptive qualitative method, the results of the research in this paper are where the legal protection of banking for bad credit card customers is due to not applying the precautionary principle in issuing cards to customers. The results of the study stated that bad credit card disputes often occur for various reasons, where all credit card issuers should have implemented the regulations as stated in the PBI (Bank Indonesia Regulations). Settlement in the Consumer Dispute Settlement Agency (BPSK) and complaints to OJK as regulated in OJK Regulation No. 1/POJK.07/2013 concerning Consumer Protection in the financial services sector which contains efforts that can be taken by customers as a form of customer protection. If the customer is unable to pay the Bank's arrears, the Bank usually reports to the Bank Indonesia Debtor Information System which results in the recipient of the credit card bill being included in the bad credit blacklist of Bank Indonesia, resulting in the recipient of the credit card bill not being able to apply for capital credit to various financial institutions.

Keywords: Banking Law; Bad credit card; Banking Customers

Abstrak

Penerapan prinsip perlindungan nasabah terhadap kartu kredit macet akibat kurang menerapkan prinsip kehati-hatian menimbulkan kerugian financial terhadap nasabah sehingga perlunya aturan hukum untuk melindungi nasabah apabila terjadi sengketa kredit macet. Penulis menggunakan metode kualitatif deskriptif, hasil penelitian pada tulisan ini adalah dimana perlindungan hukum perbankan terhadap nasabah kartu kredit macet akibat kurang menerapkan prinsip kehati-hatian dalam penerbitan kartu kepada nasabah. Hasil penelitian menyatakan bahwa seringnya terjadi sengketa kartu kredit macet dengan beragam alasan, dimana seharusnya seluruh penerbit kartu kredit sudah menjalankan peraturan sesuai yang tercamtum dalam PBI (Peraturan Bank Indonesia). Penyelesaian dalam Badan Penyelesaian Sengketa Konsumen (BPSK) dan pengaduan kepada OJK yang diatur dalam Peraturan OJK No. 1/POJK.07/2013 tentang Perlindungan Konsumen sektor jasa keuangan yang memuat upaya-upaya yang dapat ditempuh oleh nasabah sebagai bentuk perlindungan nasabah. Jika nasabah tidak mampu membayar tunggakan tangihan Bank, Bank biasanya melakukan pelaporan kepada Sistem Informasi Debitur Bank Indoesia yang mengakibatkan penerima tagihan kartu kredit masuk dalam daftar blacklist kredit macet Bank Indonesia sehingga mengakibatkan penerima surat tagihan kartu kredit tidak bisa mengajukan kredit modal ke berbagai lembaga keuangan.

Kata Kunci: Hukum Perbankan; Kartu kredit Macet; Nasabah Perbankan