Perlindungan Hukum Bagi Nasabah Bank Selaku Konsumen Ditinjau dari Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen

Rafela Ashyla Zahra; Luthfi Abdurrahman; Asmak Ui Husnoh

doi:10.47134/ijlj.v1i4.2376

Authors

Rafela Ashyla Zahra Fakultas Hukum, Universitas Pakuan Bogor
Luthfi Abdurrahman Fakultas Hukum, Universitas Pakuan Bogor
Asmak Ui Husnoh Fakultas Hukum, Universitas Pakuan Bogor

DOI:

https://doi.org/10.47134/ijlj.v1i4.2376

Keywords:

Perlindungan Hukum, Nasabah Bank, Konsumen, Undang-Undang Perlindungan Konsumen

Abstract

Hubungan antara bank dan nasabah seringkali tidak seimbang, di mana bank memiliki posisi tawar yang lebih kuat. Kondisi ini menjadikan perlindungan hukum bagi nasabah selaku konsumen menjadi sangat penting. Penelitian ini bertujuan untuk menganalisis perlindungan hukum bagi nasabah bank selaku konsumen yang ditinjau dari Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen. Seiring dengan perkembangan industri perbankan, kebutuhan untuk melindungi kepentingan nasabah sebagai konsumen menjadi semakin penting. Undang-Undang Perlindungan Konsumen menjadi payung hukum dalam memberikan perlindungan terhadap hak-hak nasabah bank. Penelitian ini menggunakan metode penelitian yuridis normatif dengan mengkaji peraturan perundang-undangan terkait serta literatur-literatur yang relevan. Hasil penelitian menunjukkan bahwa Undang-Undang Perlindungan Konsumen memberikan perlindungan hukum bagi nasabah bank, terutama terkait dengan pengaturan klausula baku dalam perjanjian antara bank dan nasabah. Namun demikian, masih terdapat pelanggaran terhadap ketentuan tersebut yang merugikan kepentingan nasabah. Oleh karena itu, diperlukan upaya untuk meningkatkan kesadaran dan kepatuhan bank dalam menerapkan Undang-Undang Perlindungan Konsumen serta penegakan hukum yang tegas dalam melindungi hak-hak nasabah bank.

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