Analisis hukum tentang pembukaan rahasia bank setelah putusan mahkamah konstitusi nomor 64/puu-x/2012

Valentina, Stella (2016) Analisis hukum tentang pembukaan rahasia bank setelah putusan mahkamah konstitusi nomor 64/puu-x/2012. Masters thesis, Universitas Pelita Harapan.

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Abstract

The application of bank secrecy in Indonesia is still relatively, meaning that bank secrecy can be opened only for a particular case, as stipulated in Law No. 10 of 1998 on changes to Law No. 7 of 1992 on Banking. Each bank shall keep all the information of each depositor, because banks require public confidence in business. The trust obtained either by keeping the bank secret to the customer. With the decision of the Constitutional Court Number 64 / PUU-X / 2012 which terminated on February 20, 2013 granted an exemption application of bank secrecy and can be opened if it is associated with the joint property in divorce cases. This study uses normative juridical approach, which uses secondary data based on the laws and regulations governing bank secrecy. Specifications of this study is a descriptive analysis, which describes the analysis of the provisions relating to procedures for opening bank secrecy with juridical quantitative analysis method, based on the legislation and analyze the data that is contrary to the information obtained from the study of literature. In the banking practices that banks have not implemented the decision of the Constitutional Court, the expansion of the Constitutional Court ruling that the provisions of the Banking Act can be made by the Financial Services Authority which should make the rules by taking into account the risks that will happen, so the decision of the Constitutional Court can be applied in the regulations that safeguard the interests of all parties, both banks and customers. The regulation includes procedures for opening bank secrecy stipulated in the Banking Law and the decision of the Constitutional Court, so that the bank will implement a bank's internal guidelines. A provision of the law should protect the interests of all parties in order to create comfort together. Bank as the lifeblood of the economy, must maintain the trust and customer convenience. By keeping the customer information as contained in Article 2 of the Banking Act. / Penerapan rahasia bank di indonesia masih bersifat relatif, artinya rahasia bank hanya dapat dibuka untuk perkara tertentu, sebagaimana yang diatur dalam Undang-Undang Nomor 10 Tahun 1998 tentang perubahan Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan. Bank wajib menjaga segala informasi nasabah penyimpan, karena bank membutuhkan kepercayaan masyarakat dalam menjalankan usahanya, salah satunya dengan menjaga rahasia bank atas nasabah. Dengan adanya putusan Mahkamah Konstitusi Nomor 64/PUU-X/2012 yang diputus pada tanggal 20 Februari 2013 memberikan pengecualian penerapan rahasia bank apabila berkaitan dengan harta bersama dalam perkara perceraian. Penelitian ini menggunakan pendekatan yuridis normatif, menggunakan data sekunder berdasarkan peraturan perundang-undangan yang mengatur rahasia bank. Spesifikasi penelitian ini bersifat deskriptif analitis menggambarkan analisis ketentuan-ketentuan yang berhubungan dengan tata cara pembukaan rahasia bank dengan metode analisis yuridis kuantitatif, berpedoman pada peraturan perundang-undangan dan menganilisis data-data yang bertolak pada informasi yang diperoleh dari studi kepustakaan. Dalam praktek perbankan saat ini bank belum menerapkan putusan Mahkamah Konstitusi tersebut, perluasan putusan Mahkamah Konstitusi tersebut dalam ketentuanUndang-Undang Perbankan dapat dilakukan dengan Otoritas Jasa Keuangan yang sebaiknya membuat peraturan dengan memperhatikan resiko-resiko yang akan terjadi, sehingga putusan Mahkamah Konstitusi tersebut dapat diterapkan dalam peraturan yang menjaga kepentingan semua pihak baik bank maupun nasabah. Bank akan menerapkan sebagai pedoman internal bank. Suatu ketentuan hukum seharusnya melindungi kepentingan semua pihak agar tercipta kenyamanan bersama. Bank sebagai urat nadi perekonomian, harus menjaga kepercayaan nasabah dengan menjaga informasi nasabah sebagaimana tercantum dalam Pasal 2 Undang-Undang Perbankan.

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