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Volume 07 Issue 06 June 2024

Legal Protection for Deposit Customers Who Are Not Recorded after BPR’s Business License Is Revoked
1Kadek Wenten, 2Johannes Ibrahim Kosasih, 3I Made Arjaya
1,2,3Warmadewa University & Terompong No.24, Sumerta Kelod, Denpasar, Bali 80239
DOI : https://doi.org/10.47191/ijmra/v7-i06-73

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ABSTRACT:

Third-party fund collectors by Rural Banks (BPR) using a pick-up service system bear the risk of internal bank misconduct leading to the omission of customer deposits in the BPR's records. The research method employed is normative research aimed at understanding the prudence principle in fund collection and legal protection for depositors. The research benefits society by enhancing their understanding of their rights as depositors in BPR. The discussion results indicate that customer identification principles Know Your Customer (KYC) embody the prudence principle in fund collection. The Financial Services Authority (OJK) mandates that BPR be accountable for customers harmed by internal misconduct. However, after liquidation, the Deposit Insurance Corporation (LPS) does not guarantee these affected customers. In conclusion, there is a legal vacuum in protecting depositors post-BPR liquidation. The lack of legal certainty in fund collection through pick-up service leads to compensatory relationships between customers and bank staff. Recommendations include amending LPS regulations to provide legal protection for affected bank customers and enhancing supervision in third-party fund collection.

KEYWORDS:

Prudential Principle, Customer Deposits, Assurance

REFERENCES:
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2) Ibrahim J. Cross default and cross collateral sebagai upaya penyelesaian kredit bermasalah. Gunarsa A, editor. Refika Aditama; 2004.

3) Ibrahim J. Bank sebagai lembaga intermediasi dalam hukum positif. Utomo; 2004.

4) Dalih Jaringan Offline, Teller Bank Gelapkan Rp541 Juta [Internet]. CNN Indonesia. 2021 [cited 2023 Nov 5]. Available from: https://www.cnnindonesia.com/nasional/20210721143802-12-670337/dalih-jaringan-offline-teller-bank-gelapkan-rp541-juta

5) Pratama DB. Jaksa terbitkan status DPO tersangka penggelapan dana nasabah BPR NTB [Internet]. ANTARA. 2023 [cited 2023 Nov 5]. Available from: https://www.antaranews.com/berita/3753234/jaksa-terbitkan-status-DPO-tersangka-peggelapan-dana-nsabah-BPR NTB

6) Ibrahim J, Sirait YH. Kejahatan transfer dana: Evolusi dan modus kejahatan melalui sarana lembaga keuangan bank. Jakarta: Sinar Grafika; 2018.

7) Samsul I. Perlindungan Konsumen Jasa Keuangan Pasca Pembentukan Otoritas Jasa Keuangan (OJK). Negara Huk. 2013;4(2).

8) Samsul I. Perlindungan konsumen: kemungkinan penerapan tanggung jawab mutlak. Universitas Indonesia; 2004.

9) Panjaitan H. Hukum Perlindungan Konsumen. Jakarta: Jala Permata Aksara; 2021.

10) Kuswarak, Susandra RA. Analisis Penerapan Prinsip Mengenal Nasabah (Know Your Customer/KYC) Dalam Mencegah Pencucian Uang Pada Bpr Utomo Manunggal Sejahtera Lampung Di Bandar Lampung. J Manaj Mandiri Saburai. 2017;1(3).

11) Yudha IPWP, Kosasih JI, Arini DGD. Pertanggungjawaban Bank Terhadap Nasabah Yang Menjadi Korban Kejahatan Yang Dilakukan Oleh Oknum Internal Bank. J Konstr Huk |. 2021;2(3).
Volume 07 Issue 06 June 2024

There is an Open Access article, distributed under the term of the Creative Commons Attribution – Non Commercial 4.0 International (CC BY-NC 4.0) (https://creativecommons.org/licenses/by-nc/4.0/), which permits remixing, adapting and building upon the work for non-commercial use, provided the original work is properly cited.


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