Transaksi Tarik Tunai Melalui Merchant dalam Penggunaan Kartu Kredit

Abstract

The change of the society in the sector of social and economy has encouragedthe need for application of plastic card system. The problems in this thesisare related with the legal relation between bank as card issuer and the card holder,rights and obligations of the bank and the customer as card holder, and protection tothe card holder from the perspective of Act Number 8 of 1999 concerning ConsumerProtection. Utilization of a credit card not only gives benefit, but also finally it maybring about problems and complaints from the customers. Thus, legal protection tothe customers in the utilization of the credit card. The legal issues of this thesis arehow the legal relation between customer, bank, and merchant are, and how the legalprotection is provided to the customer as the user of credit card for cash drawingtransaction through merchant and why the said transaction is prohibited by Bank ofIndonesia. The utilization of credit card arises different legal relation among bank,customer, and merchant. Customer as consumer of credit card is placed in a weakbargaining position. The method used in this is normative legal research by collectingdata through library research, using primary, secondary, and tertiary resources,namely by studying various reading resources such as books, literatures, statutoryregulations, and through electronic media (internet). This research recommendsthat the marketing of banking products and services should pay more attention in theobligation of the card holder and the bank, procedure and requirements in issuing acard must conducted selectively, and Bank of Indonesia as central bank should playmore role as supervisor to the banking products particularly credit cards.