Analisis Perbandingan Perlindungan Konsumen Terhadap Pengguna E-Tol Ditinjau Dari Undang-Undang No. 8 Tahun 1999, Fatwa DSN MUI No. 116/DSN-MUI/IX/2017, Dan PBI No. 20/6/PBI/2018

Abstract

The consumer is weakest part in an agreement or transaction, therefore there is a need for protection as a form of legal certainty. This research aims to explain (1) the consumers protection for e-tol cards users. (2) the comparation of consumer protection for e-tol card users reviewed from Law No. 8 of1999, MUI Fatwa No. 116 of 2017 , and Bank Indonesia Regulastion No. 20 of 2018. This research is library research. Data collection tecniques use document and record tecniques. Check the validity of data using method triangulation. The data analysis technique useis comparative analysis. The result of this study, namely (1) the decision given by the e-tol card issuing bank has an impact on the consumer protection obtained for e-tol card users. (2) there is a lack of fulfillment of cnsumerprotection principles in the provisions for the use of e-tol card issuers, namely the rights and principles of security, as well as consumer safety as seen in Law No. 8 of 1999, the security of assets as seen in the MUI Fatwa No. 116 of 2017, while in Bank Indonesia Regulastion No. 20 of 2018 consumer protection has been implemented properly.