Larangan penggunaan klausula baku berdasarkan surat edaran OJK dan hubungannya dengan perjanjian kredit secara notariil

Noorfiah, Nunung (2015) Larangan penggunaan klausula baku berdasarkan surat edaran OJK dan hubungannya dengan perjanjian kredit secara notariil. Masters thesis, Universitas Pelita Harapan.

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Abstract

The Indonesian economy is growing rapidly. Along with sucheconomic development, business actors are in competition with one another to increase their profits, among others, by expanding their business through increased production, product innovation and also improved efficiency in the product form. In the banking sector, one of the attempts made by banks to promote efficiency of their banking products is to rely on standard agreements, for instance standard agreements or terms and conditions to be executed by the bank and the customers in connection with the extension of credit card facility, account opening, loan facility, etc. There are certainly a number of pros and cons as to the use of such standard loan agreements by the bank, and each of the opponents and advocates seems to have a sound argument. Those who oppose the use of standard agreements believe that this practice is detrimental to customers, and standard agreements are essentially contrary to the legal requirements of a valid contract, thereby potentially rendering such agreements null and void. In light of the pros and cons above, the OJK (Financial Services Authority) as a regulatory institution in charge of overseeing the banking sector has issued OJK Regulation No.1/POJK.07/2013 on Consumer Protection in the Financial Services Sector, as well as OJK Circular No.13/SEOJK.07/2014 on Standard Agreements as the implementing regulation of the former. Both regulations are essentially concerned with, among others, the restriction on the use of standard clauses in standard agreements made by banks. In connection with such standard agreements and standard clauses, a Notary, who is often involved in the execution of credit agreements between the bank and the customer, should be really clear about all issues of the standard agreements and standard clauses, as well as their connection with the Notary’s deed, to ensure full confidence and certainty to the status and position of such notarial deed. / Ekonomi di Indonesia berkembang dengan sangat pesat. Seiring dengan perkembangan tersebut para pelaku usaha berlomba-lomba untuk meningkatkan profit usaha mereka, diantaranya dengan cara melakukan ekspansi usaha melalui peningkatan produksi, inovasi barang produksi dan juga dengan cara melakukan efisiensi terhadap bentuk produk. Untuk usaha jasa perbankan, salah satu bentuk dari usaha untuk melakukan efisiensi terhadap produk yang ditawarkan oleh bank adalah dengan cara membakukan bentuk perjanjian-perjanjian yang dibuat antara bank dan nasabahnya, misalnya perjanjian atau syarat dan ketentuan sehubungan dengan pemberian fasilitas kartu kredit, pembukaan rekening, pemberian kredit dan lain-lain. Atas pembuatan perjanjian kredit secara baku oleh pihak bank tersebut, tentunya terdapat pro dan kontra, dimana masing-masing pihak memiliki argumen yang mendasar. Bagi pihak yang kontra berpendapat bahwa perjanjian baku sangat merugikan nasabah dan perjanjian tersebut bertentangan dengan syarat sahnya suatu perjanjian, sehingga menyebabkan perjanjian menjadi batal. Namun untuk menjembatani pro dan kontra tersebut, pihak OJK yang sebagai pengawas bidang perbankan telah mengeluarkan Peraturan Otoritas Jasa Keuangan nomor 1/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan, berikut Surat Edaran Otoritas Jasa Keuangan nomor 13/SEOJK.07/2014 tentang Perjanjian Baku yang merupakan peraturan pelaksana, dimana kedua ketentuan OJK tersebut diantaranya mengatur mengenai larangan pencantuman klausula baku pada perjanjian baku yang dibuat oleh pihak bank. Sehubungan dengan perjanjian baku dan klausula baku tersebut, tentunya notaris sebagai salah satu pihak yang erat hubungannya dengan pembuatan perjanjian kredit bank, maka hal ini harus mengetahui dengan jelas mengenai bagaimana perjanjian baku dan klausula baku tersebut, serta keterkaitan antara akta yang dibuatnya, sehingga hal tersebut akan memberikan keyakinan yang penuh terhadap status dan kedudukan akta notariil tersebut.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Noorfiah, NunungNIM00000005685UNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSihombing, JonkerNIDN8838820016UNSPECIFIED
Uncontrolled Keywords: standard clauses ; standard agreement ; notary deed
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Depositing User: Phillips Iman Heri Wahyudi
Date Deposited: 26 Nov 2020 08:37
Last Modified: 26 Nov 2020 08:37
URI: http://repository.uph.edu/id/eprint/12901

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