Abstract
Operations of crimes committed by bank burglars must be immediately anticipated by the legal apparatus in Indonesia quickly and carefully so that the law does not look weak. At present the development of criminal legal responsibility has begun to expand, in the concept of criminal law, accountability can not only be requested from individuals, but also corporately. The obstacle is the concept of accountability of various corporate modes of law enforcement in Indonesia, so far it has not been utilized, besides the concept of corporate responsibility is not yet widely known, this concept is also still in the gray domain. Identification of this research are: 1) How is the bank's responsibility as a corporation for fraud and fraud ?. 2) What is the legal protection of bank customers who are victims of fraud? The research method used in this study is a normative juridical approach. The results of this study are: 1) Bank Indonesia as the holder of the Indonesian banking authority in an effort to meet applicable standards in the banking sector has prioritized programs related to customer protection, handling customer complaints, and including handling the establishment of independent banking mediation institutions, 2) In banking practice, a provision applies that customers who will save their funds in a bank are not free. The customer has the right to receive interest on funds deposited with the bank.
Highlights
Operations of crimes committed by bank burglars must be immediately anticipated by the legal apparatus
The obstacle is the concept of accountability of various corporate modes
What is the legal protection of bank customers who are victims of fraud
Summary
Pelanggaran hak nasabah oleh bank dapat diselesaikan melalui jalur hukum. Namun ketika kita kembali sadarkan terhadap nilai-nilai negara hukum Pancasila dan Undang-undang Dasar 1945 yang mengedepankan asas musyawarah, forum mediasi merupakan dimensi yang juga penting.[2]. Sesuai dengan penerapan hukum di Indonesia, seorang konsumen yang dilakukan oleh pelaku usaha, termasuk nasabah kepada bank, dapat menggugat pihak yang menimbulkan kerugian atas produk dan jasanya tersebut. Apabila tidak terdapat hubungan kontraktual antara nasabah dan bank, maka tidak ada tanggung jawab (hukum) pelaku usaha nasabah. Adanya hubungan kausal antara perbuatan melawan hukum dan kerugian yang dialami oleh konsumen. 1999 tentang Perlindungan Konsumen (UUPK), dalam konteks pertanggungjawaban pelaku usaha atas gugatan nasabah ini, Ketentuan ini tidak berlaku apabila pelaku usaha dapat membuktikan bahwa kerugian tersebut merupakan atau sebagai akibat kesalahan konsumen. Perlunya manajemen resiko ini ada kaitannya dengan kepercayaan masyarakat terhadap dunia perbankan, sehingga perlu menghindari potensi terjadinya suatu peristiwa (events) yang dapat menimbulkan kerugian bank.[3]. (2) Bank yang memiliki ukuran dan kompleksitas usaha yang tinggi wajib menerapkan Manajemen Resiko sebagaimana dimaksud dalam Pasal 2 ayat (2) untuk seluruh jenis risiko sebagaimana dimaksud dalam ayat (1). Mengevaluasi dan memutuskan permohonan Direksi yang berkaitan dengan transaksi yang memerlukan persetujuan dewan Komisaris
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