Mitigasi risiko hukum penggunaan tanda tangan elektronik pada perjanjian kredit dibawah tangan di unit konsumer PT. Bank Nationalnobu, Tbk

Widyatmaka, Addy (2021) Mitigasi risiko hukum penggunaan tanda tangan elektronik pada perjanjian kredit dibawah tangan di unit konsumer PT. Bank Nationalnobu, Tbk. Masters thesis, Universitas Pelita harapan.

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Abstract

Undang- undang Informasi dan Transaksi Elektronik telah melahirkan satu produk hukum yaitu tanda tangan elektronik yang memiliki kekuatan yang sama dengan tanda tangan basah sekaligus menjadi bukti hukum yang sah. Tanda tangan elektronik tersebut dapat digunakan untuk menggantikan tanda tangan basah pada perjanjian kredit di perbankan, khususnya bagi debitur perorangan. Tanda tangan elektronik ini telah digunakan pada perjanjian kredit konsumer pada PT. Bank Nationalnobu, Tbk bekerjasama dengan PT. Privy Identitas Digital sebagai Penyedia Sertifikat Elektronik. Sebagai lembaga perbankan yang menjalankan aktivitas berdasarkan prinsip kehati- hatian, maka dalam menggunakan tanda tangan elektronik pada perjanjian kredit harus tetap didasarkan pada mitigasi risiko hukum. Mitigasi risiko hukum dilakukan terhadap keabsahan tanda tangan elektronik tersertifikasi, risiko hukum dan kepatuhan yang mungkin muncul serta hak dan kewajiban Bank serta Penyedia Sertifikat Elektronik yang didudukkan dalam suatu perjanjian kerjsama. Penggunaan layanan ini juga harus mendapatkan ijin dari Otoritas jasa Keuangan sebagai regulator perbankan. Dalam penelitian ini, pengumpulan data dilakukan dengan menggunakan pendekatan Perundang-undangan yaitu yuridis normatif dan penelitian di Unit Konsumer PT. Bank Nationalnobu, Tbk dan PT. Privy Identitas Digital./ The Information and Electronic Transaction Law has given birth to a legal product, namely an electronic signature which has the same power as a wet signature as well as being valid legal evidence. The electronic signature can be used to replace the wet signature on credit agreements in banking, especially for individual debtors. This electronic signature has been used in the consumer credit agreement at PT. Bank Nationalnobu, Tbk in cooperation with PT. Privy Identitas Digital as Electronic Certificate Provider. As a banking institution that carries out activities based on the prudential principle, in using electronic signatures on credit agreements, it must still be based on legal risk mitigation. Legal risk mitigation is carried out on the validity of certified electronic signatures, legal and compliance risks that may arise as well as the rights and obligations of Banks and Electronic Certificate Providers set out in a cooperation agreement. The use of this service must also obtain permission from the Otoritas Jasa Keuangan as a banking regulator. In this study, data collection was carried out using a legislative approach, namely normative juridical and research at the Consumer Unit of PT. Bank Nationalnobu, Tbk and PT. Privy Identitas Digital.

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