Abstract
The function of the Indonesia Deposit Insurance Corporation (IDIC) is to guarantee a deposit of customers. The guarantee is significantly important for the main financial industries, such as a bank whose activity is to raise funds from the public and distribute the funds back to the public. As a consequence, public trust becomes the primary factor. In spite of the useful function of the IDIC, the public is still not familiar with the organization and they often question whether the status of the IDIC is a guarantee or insurance. This issue potentially creates a dispute between parties who are the bank and the customer. Hence, this research aims to discover evidence relating to the IDIC as the guarantor in the agreement between bank and customer. This research used a legal pluralism method that integrates juridical research, sociological research (living law) and philosophical research. The result of the research indicates the uncertainty of the status of the IDIC, whether it is a guarantee or insurance, whereas both statuses maintain different legal consequences. The uncertainty may lead to legal uncertainty and result in the disruption of the balance of both parties’ legal relationships.
Highlights
The function of Indonesia Deposit Insurance Corporation (IDIC) is to guarantee a deposit of customer
In spite of the useful function of the IDIC, public is still not familiar with the organization and they often question whether the status of the IDIC is a guarantee or an insurance
This research is aim to discover evidence relating to the IDIC as the guarantor in the agreement between bank and customer
Summary
Fungsi Lembaga Penjamin Simpanan (LPS) adalah menjamin simpanan nasabah. Jaminan sangat penting bagi industri keuangan terutama bank, yang memiliki kegiatan menghimpun dana dari masyarakat dan menyalurkannya kembali kepada masyarakat, sehingga kepercayaan masyarakat menjadi faktor utama. Meskipun LPS sangat bermanfaat bagi masyarakat, belum banyak dikenal dalam masyarakat. Bahkan kedudukannya masih menjadi bahan perdebatan, apakah termasuk jaminan atau asuransi. Hal ini berpotensi menimbulkan sengketa antara para pihak. Tujuan penelitian adalah untuk menemukan bukti-bukti mengenai LPS sebagai penanggung dalam perjanjian antara nasabah dan bank. Metode penelitian yang digunakan adalah legal pluralism yang mengintegrasikan penelitian yuridis, penelitian sosiologis (living law) serta penelitian filosofis. Hasil penelitian menunjukkan ketidakpastian LPS merupakan penanggungan atau asuransi. Hal ini tentu sangat berbeda akibat hukumnya. Ketidakjelasan tersebut dapat menimbulkan ketidakpastian hukum dan berujung terganggunya keseimbangan hubungan hukum para pihak. Kata Kunci: Simpanan; Penanggungan; Jaminan; Kepercayaan; Keseimbangan
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