TANGGUNG JAWAB BANK DALAM DUGAAN HILANGNYA TABUNGAN NASABAH ( DI BANK MANDIRI TAHUN 2021)

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Erlando Agi Patra
R.M. Gatot P. Soemartono

Abstract

Banks play a significant role in the economic growth of a country, and in its activities, banks are in dire
need of deposit funds from their customers. In this regard, banks are required to guarantee the security of
customer funds deposited with banks. As an ef ort to protect consumers/customers, Law no. 8 of 1999
concerning Consumer Protection and Law no. 10 of 1998 concerning Banking. However, in reality there
are still many modes of crime in the financial services sector. Many phenomena occur between banks and
customers, one of which is debit card theft and PIN ownership. This causes the customer's balance to be
lost in the amount of IDR 128 million rupiah. The problem that will be discussed is how the bank is
responsible for the loss of customers and how the legal settlement will be. This research is to understand
the form of bank responsibility and find out what customers should do if they feel aggrieved, as well as
what legal steps the customer can take. This study uses normative legal research methods using books and
websites, as well as interviews as supporting data. The results show that the customer must report the
problem to the bank concerned clarify the truth. When the bank cannot help with the complaint, the
customer can make a report to the Financial Services Authority (OJK). OJK will facilitate customer
complaints, which if there is an error on the part of the bank, the bank must be responsible, but if the bank
can prove his innocence, then the loss is borne by the customer himself due to negligence/error. If after
further examination there is a criminal element, the perpetrator may be subject to criminal sanctions.

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References

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