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: | Creators NIM Email ORCID Noorfiah, Nunung NIM00000005685 UNSPECIFIED UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email Thesis advisor Sihombing, Jonker NIDN8838820016 UNSPECIFIED |
Additional Information: | T 56-13 NOO l |
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: | 05 Nov 2021 03:10 |
URI: | http://repository.uph.edu/id/eprint/12901 |