PERLINDUNGAN HUKUM BAGI NASABAH PENGGUNA MOBILE BANKING PT.BANK SYARIAH INDONESIA UNIT KCP CHIK JOHAN DITINJAU DARI UNDANG-UNDANG NOMOR 08 TAHUN 1999 TENTANG PERLINDUNGAN KONSUMEN
DOI:
https://doi.org/10.29103/reusam.v11i1.11158Keywords:
Perlindungan Hukum, Mobile Banking, KonsumenAbstract
Perlindungan nasabah merupakan upaya untuk menjamin adanya kepastian hukum bagi konsumen jasa pengguna layanan mobile banking terkait dengan segala keluhan sebagai pengaduan nasabah. Pengaduan nasabah dilakukan jika ada permasalahan dari nasabah yang tidak terselesaikan dengan baik oleh pihak bank yang berpotensi terjadi perselisihan yang akan menyebabkan kerugian bagi kedua belah pihak. Metode yang digunakan dalam penelitian ini adalah yuridis empiris, dengan bahan-bahan hukum primer, sekunder maupun tersier. Pendekatan empiris melihat hukum sebagai kenyataan sosial, kultural atau das sein karena dalam penelitian ini data yang digunakan data primer yang diperoleh langsung dari lokasi penelitian. Hasil penelitian adalah perlindungan hukum ada dua bentuk yakni secara preventif dan represif. Upaya perlindungan hukum secara preventif dilakukan untuk mencegah terjadinya perselisihan hukum antara pihak bank dengan nasabah berkaitan dengan kegagalan system pada saat penggunaan mobile banking. Perlindungan hukum juga dapat dilakukan secara represif, yaitu untuk menyelesaikan perselisihan antara pihak bank dengan nasabah dengan melakukan beberapa upaya yaitu pengaduan, edukasi dan tanggung jawab mengganti kerugian. Tanggung jawab hukum bank atas kerugian nasabah merupakan bagian dari kewajiban bank untuk memberikan ganti kerugian yang dinyatakan dalam Pasal 7 Undang-Undang Perlindungan Konsumen.
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