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-i06-73Google Scholar Download Pdf
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
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Volume 07 Issue 06 June 2024
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